Senior Portfolio Credit Manager

Santander US; Jericho (NY); Sur place; USD 101 000 - 165 000; Plein temps

Résumé du poste

Santander US is seeking a Sr. Associate in Portfolio Management to oversee a portfolio of credit relationships. You will manage underwriting, lead loan discussions, coordinate documentation, and close new loans for existing and new customers.

You will grow the portfolio, maintain client satisfaction, and drive cross-sell opportunities while ensuring compliance with regulations and internal policies. This role emphasizes risk-aware credit execution and strong collaboration with Risk Management.

Qualifications

• Bachelor’s Degree in related field or equivalent demonstrated through a combination of 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
• 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.

Responsabilités

• 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.

Connaissances

Analytical skills

Interpersonal skills

Communication skills

Independent worker

Credit risk knowledge

Formation

Bachelor’s Degree in related field

Outils

Microsoft Office

Description du poste

Santander US is seeking a Sr. Associate in Portfolio Management to oversee a portfolio of credit relationships. You will manage underwriting, lead loan discussions, coordinate documentation, and close new loans for existing and new customers.

You will grow the portfolio, maintain client satisfaction, and drive cross-sell opportunities while ensuring compliance with regulations and internal policies. This role emphasizes risk-aware credit execution and strong collaboration with Risk Management.