Senior Portfolio Credit Manager

Santander US; Boston (MA); On-site; USD 101,000 - 165,000; Full time

Job summary

Santander US is seeking a Sr. Associate, Portfolio Management to oversee a portfolio of credit relationships and lead underwriting, loan approvals, and documentation for existing and new customers.

You will negotiate terms, assess risk, and collaborate with Risk Management to ensure compliance and timely renewals. Ideal candidates have 9+ years in credit structuring, strong analytical and communication skills, and a proven ability to produce high-quality underwriting documents under tight

Qualifications

• Bachelor’s Degree in related field or equivalent demonstrated through work experience, training, military service, or education - Required
• 9+ Years Experience in credit structuring and underwriting and cross selling - Required.
• 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.
• Ability to produce high quality underwriting documents with concise, well-reasoned analysis under tight time constraints.

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.
• Achieves a high level of client satisfaction and customer service including periodic client meetings to respond to customer credit questions, sell appropriate credit products and services and identify cross-sell opportunities and make appropriate referral
• 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 a
• 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.
• Meets Credit Risk Review, Audit and OCC requirements for acceptable reviews.
• Ensures that the portfolio and all deal screen memos, term sheets and underwriting documents meet all existing Company and federal compliance requirements.

Skills

Credit underwriting

Financial modeling

Credit analysis

Independent work

Communication skills

Regulatory knowledge

MS Office

Cross selling

Credit risk

Education

Bachelor’s Degree or equivalent

Job description

Santander US is seeking a Sr. Associate, Portfolio Management to oversee a portfolio of credit relationships and lead underwriting, loan approvals, and documentation for existing and new customers.

You will negotiate terms, assess risk, and collaborate with Risk Management to ensure compliance and timely renewals. Ideal candidates have 9+ years in credit structuring, strong analytical and communication skills, and a proven ability to produce high-quality underwriting documents under tight