Senior Associate, Tech & Infrastructure Sponsor & Finance

Banco Santander SA; Boston (MA); Hybrid; USD 101,000 - 165,000; Full time

Job summary

Santander in Boston is seeking a Senior Associate in Sponsor and Specialty Finance - Technology & Infrastructure to manage a portfolio of credit relationships and lead underwriting discussions. The role focuses on risk-aware credit approval, documentation, and compliance while driving growth and client satisfaction.

The candidate will negotiate terms, prepare underwriting materials, and coordinate with Risk Management to ensure timely renewals and approvals.

Qualifications

• 9+ years experience in credit structuring and underwriting and cross selling.
• Strong analytical skills and proficiency with financial statement modeling.
• Strong credit skills with the capacity to evaluate strength and weakness of a wide variety of credits.
• Formal credit training program preferred.
• Ability to produce high quality underwriting documents with concise, well-reasoned analysis under tight time constraints.
• Ability to work independently and proactively address the needs of assigned portfolio.
• Excellent interpersonal, team building and communication skills.
• Thorough understanding of regulations governing financial products and services.
• Proficient with Microsoft Office.

Responsibilities

• Grows and manages an assigned portfolio of high level banking credit account relationships, generating growth in net interest income and loan-related fee revenue.
• Delivers exceptional credit execution including prudent, sound and timely completion of all underwriting and portfolio management requirements within an assigned middle market portfolio.
• Directly negotiates credit terms with clients, underwrites loan requests, leads deal screen & loan approval discussions, and closes approved credit transactions including engagement of counsel and preparation of legal documentation for loans to existing and new customers.
• Produces quality underwriting documents for new/incremental business.
• Thoroughly identifies and analyzes all risks and mitigating factors, identifies variances to policy/procedures and assign accurate risk grade with appropriate justifications.
• Ensures timely completion of renewals, annual reviews, and interim analyses.
• Works collaboratively with Risk Management on underwriting and credit approval matters.
• Supports a strong risk culture for Santander by conducting day-to-day business in compliance with laws and regulations, internal policies and guidelines and proactively identifying, communicating, and addressing issues warranting attention.

Skills

Credit underwriting

Financial analysis

Financial modeling

Cross-selling

Communication

Education

Bachelor's degree

Tools

Microsoft Office

Job description

Santander in Boston is seeking a Senior Associate in Sponsor and Specialty Finance - Technology & Infrastructure to manage a portfolio of credit relationships and lead underwriting discussions. The role focuses on risk-aware credit approval, documentation, and compliance while driving growth and client satisfaction.

The candidate will negotiate terms, prepare underwriting materials, and coordinate with Risk Management to ensure timely renewals and approvals.