Specialist, Portfolio Management

Banco Santander SA; Jericho (NY); On-site; USD 46,000 - 74,000; Full time

Job summary

Banco Santander SA seeks a Specialist, Portfolio Management in the United States. You will work with Relationship Manager to underwrite new loans, support the approval process, and engage in client calls to assess credit risk and non-profit relationships.

This role requires strong credit structuring, underwriting experience, and ability to present analyses clearly. Location is in the United States; base pay ranges from $45,750 to $74,000 per year, with opportunities for growth.

Qualifications

• Education: Bachelor's Degree in a related field or equivalent demonstrated through work experience, training, or education.
• Experience in credit structuring and underwriting and cross selling is required.
• Demonstrates experience and judgment with credit decisions and analysis; strong written and verbal communication.

Responsibilities

• Work with Relationship Manager to develop non-profit loan relationships and underwriting new loans.
• Accompany Relationship Manager on customer calls and review financials.
• Test financial covenants, monitor expirations, and schedule analyst workflow.
• Underwrite credits as needed and provide senior credit analyst support.

Skills

Credit analysis

Underwriting

Quantitative reasoning

Written communication

Problem solving

Education

Bachelor's degree

Job description

Specialist, Portfolio Management Country: United States of America

It Starts Here: Santander is a global leader and innovator in the financial services industry and is evolving from a high-impact brand into a technology-driven organization. Our people are at the heart of this journey and together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible. This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference. If you are interested in exploring the possibilities We Want to Talk to You!

The Difference You Make

The Specialist, Portfolio Management is responsible for working with the Relationship Manager to develop non-profit relationships by underwriting new loans and participating in the approval process. Accompanies Relationship manager on customer calls. Reviews financials. Tests financial covenants and compliance. Reports regularly on status to Relationship Manager. Monitors all expiration dates 90-days ahead. Schedule analyst workflow and priorities. Provides senior credit analyst support as needed. Underwrites credits as needed.

What You Bring

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education

Bachelor’s Degree: in related field or equivalent demonstrated through a combination of work experience, training, military service, or education - Required.

Professional Experience

Experience in credit structuring and underwriting and cross selling. - Required.

Skills

Demonstrates experience and judgment with credit decisions and analysis. Organized and self sufficient. Strong quantitative reasoning and writing skills. Knowledge of underwriting and experience with all underwriting procedures. Ability to effectively present information and respond to questions from groups or managers, members, and general public. Excellent member service skills. Detail oriented, common sense decision-making; above average oral, written and communications skills. Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to work with mathematical concepts, such as profitability and statistical inference. Ability to apply concepts, such as fractions, percentages, ratios and proportions, to practical situations. Capacity to complete the project on time.

Certifications

No Certifications listed for this job.

It Would Be Nice For You To Have

Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.

Work Authorization & Sponsorship

Applicants must be legally authorized to work in the United States on a full-time basis without requiring employer sponsorship to commence employment.

What Else You Need To Know

The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location.

Base Pay Range

Minimum: $45,750.00 USD Maximum: $74,000.00 USD

We Value Your Impact

Your contribution matters and it’s recognized. You can expect a fair and competitive rewards package that reflects the impact you create and the value you deliver. We know rewards go beyond numbers. Offering more than just a paycheck our benefits are designed to support you, your family and your well-being, now and into the future. Santander Benefits - 2026 Santander OnGoing/NH eGuide (foleon.com)

Risk Culture

We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management.

EEO Statement

At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law.

Working Conditions

Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required.

Employer Rights

This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason.

The Santander Way

Santander is evolving from a global, high-impact brand into a technology-driven organization, and our people are at the heart of this journey. Together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible. This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference. Our mission is to contribute to help more people and businesses prosper. We embrace a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management. Ready to make it happen? It starts with you. It starts here.