Whole Loans Operations, Analyst

Banco Santander SA; Dallas (TX); On-site; USD 70,000 - 90,000; Full time

Job summary

Banco Santander SA in the United States of America seeks a Whole Loans Operations Analyst. The role covers loan and letter of credit booking, funding, payments, and maintenance for defined business lines, with emphasis on accuracy and compliance.

You will analyze credit agreements, perform reconciliations, research loan requests, review payment histories, and ensure documentation supports audits. Strong knowledge of syndicated and commercial loans, banking operations, and Microsoft Office is

Qualifications

• Bachelor’s Degree in related field or equivalent.
• 1+ year working knowledge in banking operations.
• Excellent communication, organization, and attention to detail.
• Solid knowledge of Microsoft Office Suite and bank systems.
• Experience in Commercial Banking; ability to meet deadlines.
• Strong knowledge of Syndicated and Commercial Loan products.
• Knowledge of lending policies, credit analysis, underwriting, and structuring.
• Strong judgment within defined policies; team player.

Responsibilities

• Process loan/letter of credit booking, funding, payments and maintenance.
• Handle analytical components related to credit agreements and loan products.
• Process transactions involving booking and servicing commercial loans and credits.
• Research loan requests and payment histories; respond to inquiries.
• Ensure proper documentation for audits and regulatory needs.
• Identify and resolve problems within established guidelines.

Skills

Microsoft Office Suite

Banking operations

Commercial banking

Credit analysis

Underwriting

Lending policies

Credit agreements

Attention to detail

Communication skills

Team player

Education

Bachelor’s Degree or equivalent

Job description

Whole Loans Operations, Analyst 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 primary function of the Whole Loans Operations, Analyst is loan/letter of credit booking, funding, payments and maintenance for the defined lines of business, or executing related controls, utilizing the systems and processes defined by management. The incumbent handles analytical components (i.e. interpreting credit agreements) related to various loan/fee accruals, calculations as well as ongoing/ad‑hoc reconciliation and remediation, for commercial loan/letter of credit products, which include new loans, modifications and extensions. Processes transactions involving booking and servicing commercial loans and letter of credit. Researches and responds to incoming commercial loan requests received from business areas supported by the department. Researches payment history, loan balances, and associated documentation including loan notes, forbearance agreements, and modifications. Performs dollar transactions, collateral setup and maintenance, GL balancing, and quality review. Creates and analyzes error reports, researching the payments log, and incoming wire transfer payments. Ensures proper documentation is filed appropriately and is available for internal and external audits. Identifies and resolves problems within established guidelines.

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 Qualifications: 1+ Years Working knowledge in Company's documentation and banking operations. - Required. Requires excellent communication, good organizational skills, and attention to details. Solid knowledge/skills of Microsoft Office Suite and various bank systems. Ability to adapt quickly and be a team player. Working knowledge in Commercial Banking. Ability to meet deadlines. Strong knowledge of the Syndicated and Commercial Loan products and markets. Demonstrated knowledge of other banking products and the ability to apply that information to this role. Expert knowledge of overall lending policies and procedures, credit analysis, underwriting, structuring, etc. Excellent organizational, management, communication and customer service skills. Solid judgment within broadly defined policies and practices. Strong computer skills including Microsoft Office.

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: $70,000.00 USD Maximum: $90,000.00 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.