VP, Portfolio Management – Lending & Credit Solutions

Santander Consumer USA Inc.

New York (NY)

On-site

USD 140,000 - 185,000

Full time

6 days ago

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Job summary

Santander Consumer USA Inc. is seeking a Vice President-level SCIB Portfolio Manager to oversee credit monitoring, covenant and collateral monitoring, and lifecycle governance across SCIB lending portfolios in the US.

The role spans Infrastructure Finance, Structured Finance, Leveraged Finance, and IG/GTB exposures, with emphasis on quarterly reviews and reporting to senior stakeholders. Responsibilities include coordinating credit reviews, amendments, waivers, and portfolio reporting, while

Qualifications

Strong knowledge of CIB lending, credit analysis, portfolio management, financial spreading, covenant and collateral monitoring, credit documentation, ratings, amendments and portfolio reporting.
Experience across Infrastructure Finance, Structured Finance, Leveraged Finance, IG corporate lending or GTB preferred.

Responsibilities

Prepare, coordinate and review quarterly and annual credit reviews for assigned portfolio names.
Perform credit spreading, financial analysis, variance analysis, leverage/liquidity analysis and borrower performance updates.
Support rating reviews, watchlist recommendations, exposure analysis and escalation of credit deterioration or emerging risks.
Monitor covenants, reporting, collateral deliverables, insurance requirements, financial statements and other ongoing obligations.
Track exceptions, waivers, missing deliverables, collateral shortfalls, covenant breaches and post-close items through remediation.
Coordinate with Agency, Transaction Management, Legal, Operations and Servicing to ensure ongoing obligations are captured and maintained.
Support amendments, waivers, extensions, repricings, restructurings and other lifecycle events through credit analysis, approval coordination and implementation tracking.
Assess whether changes require new approvals, rating updates, documentation amendments, covenant changes, collateral updates, system updates or control escalation.
Partner with Transaction Management to ensure approved amendments are reflected accurately in documentation, systems and monitoring tools.
Prepare portfolio reporting, KPIs, KRIs, management updates, issue logs and control evidence for senior management, Credit, Risk, Audit and regulatory stakeholders.
Monitor portfolio trends across Infrastructure Finance, Structured Finance, Leveraged Finance, IG and GTB exposures, including concentrations, exceptions, ratings, covenants and collateral indicators.
Participate in governance forums and support remediation plans related to portfolio monitoring and credit administration.
Work closely with Front Office, Credit, Risk, Agency, Legal, Operations, Transaction Management, Finance and Technology to support a coordinated lifecycle management process.
Mentor associates and analysts and help develop procedures, portfolio monitoring standards, training materials and quality control routines.
Identify opportunities to improve financial spreading, covenant tracking, collateral monitoring, data quality and management reporting.