USA SCIB Portfolio Management Analyst - CIB Lending

Santander; Miami (FL); On-site; USD 68,000 - 110,000; Full time

Job summary

Santander in the United States is seeking a Credit Spreading & Analysis Support professional to assist with financial spreading, credit analysis, and monitoring across portfolios. You will gather data, support reviews, and maintain tracking tools to ensure timely compliance with covenants and reporting requirements.

The role emphasizes collaboration with Front Office, Credit, Risk, Agency, Operations, and Finance teams in a fast-paced CIB lending environment.

Qualifications

• Bachelor degree or equivalent work experience.
• Foundational knowledge of financial statements, credit analysis, Excel and corporate finance.
• Exposure to banking, credit, lending, infrastructure finance, structured finance, leveraged finance, IG corporate lending or GTB helpful.

Responsibilities

• Credit spreading and basic credit analysis for assigned borrowers using financial statements, internal systems and portfolio management templates.
• Support quarterly and annual review preparation by gathering financials, covenant certificates, collateral data, borrower updates, rating inputs and prior review materials.
• Prepare initial variance analysis, ratio outputs, covenant calculations and portfolio data summaries for review by Associates and Vice Presidents.
• Maintain trackers for financial statement delivery, covenant certificates, borrowing base certificates, collateral deliverables, insurance requirements, annual reviews, quarterly reviews and other monitoring obligations.
• Identify missing or late deliverables, data inconsistencies and potential exceptions for escalation.
• Coordinate with Transaction Management, Agency, Operations and Portfolio Management colleagues to confirm post-close and ongoing monitoring requirements.

Skills

Excel

Analytical skills

Organizational skills

Written communication

Data entry

Attention to detail

Credit systems

Education

Bachelor's degree

Job description

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.

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!

Key Responsibilities

• Credit Spreading and Analysis Support
• Perform financial spreading and basic credit analysis for assigned borrowers using financial statements, internal systems and portfolio management templates.
• Support quarterly and annual review preparation by gathering financials, covenant certificates, collateral data, borrower updates, rating inputs and prior review materials.
• Prepare initial variance analysis, ratio outputs, covenant calculations and portfolio data summaries for review by Associates and Vice Presidents.
• Monitoring and Tracking
• Maintain trackers for financial statement delivery, covenant certificates, borrowing base certificates, collateral deliverables, insurance requirements, annual reviews, quarterly reviews and other monitoring obligations.
• Identify missing or late deliverables, data inconsistencies and potential exceptions for escalation.
• Update portfolio monitoring tools and shared records accurately and on schedule.
• Lifecycle and Documentation Support
• Assist with amendment, waiver and lifecycle event tracking by collecting data, maintaining logs and supporting evidence files.
• Coordinate with Transaction Management, Agency, Operations and Portfolio Management colleagues to confirm post-close and ongoing monitoring requirements.
• Support document organization and retrieval for audits, credit reviews, regulatory requests and management reporting.
• Reporting and Process Support
• Prepare recurring status reports, covenant dashboards, exception trackers and portfolio data extracts under supervision.
• Support data quality reviews, procedure updates, training materials and process improvement initiatives.
• Help maintain organized records for portfolio monitoring and control evidence.
• Development and Collaboration
• Build knowledge of Infrastructure Finance, Structured Finance, Leveraged Finance, IG and GTB credit products, documentation and monitoring requirements.
• Collaborate with Front Office, Credit, Risk, Agency, Operations, Transaction Management and Finance stakeholders as directed.
• Demonstrate ownership, responsiveness and willingness to learn in a fast-paced CIB lending environment.

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.

Qualifications

Bachelor degree or equivalent work experience. Foundational knowledge of financial statements, credit analysis, Excel and corporate finance. Exposure to banking, credit, lending, infrastructure finance, structured finance, leveraged finance, IG corporate lending or GTB helpful.

Skills

• Strong Excel, analytical, organizational and written communication skills.
• Ability to perform accurate data entry, financial spreading and basic variance analysis.
• Attention to detail and comfort working with recurring deadlines and trackers.
• Willingness to learn credit systems, covenant tools, loan systems and portfolio reporting processes.

Key Competencies

• High degree of accuracy and follow-through.
• Curiosity and interest in CIB lending and credit risk.
• Ability to ask good questions and elevate potential issues promptly.
• Collaborative and service-oriented approach.

Education

Bachelor Degree or equivalent work experience

Work Experience

1+ years of relevant experience in credit analysis, finance, accounting, banking, lending operations, portfolio monitoring, agency, risk management or related roles.

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: $67,500.00 USD

Maximum: $110,000.00 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.

What To Do Next

We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at [e-mail] to discuss your needs.