Job description
Structured/Project Finance - Underwriting & Portfolio Management Associate
Country: United States of America
**Your Journey Starts Here:**
Santander is a global leader and innovator in the financial services industry.
We believe that our employees are our greatest asset.
Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth.
We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally.
Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together.
Join us at Santander, where you are supported by a culture of engagement and a commitment to your success.
An exciting journey awaits, if you are interested in exploring the possibilities **We Want to Talk to You!**
**The Difference You Make:**
The Associate, Underwriting & Portfolio Management will be responsible for managing the Underwriting & Portfolio Management of a defined portfolio of Structured Finance transactions.
The Portfolio is comprised of Project Finance and Fund Finance loans.
This position will work closely with the 1LoD product teams to present and defend business opportunities to the 2nd Line of Defense.
The candidate will manage the business relationship with risk and ensure all required portfolio management tasks are completed.
Responsibilities:
· Communicates portfolio trends, risks and mitigants to senior leadership.
· Develops and manages portfolio information needed to accommodate sound risk management, economic and regulatory reporting requirements.
· Leads underwriting, structuring and closing of amendments, upsizes and extensions, as needed, including annual reviews and credit approval memos.
· Develop credit recommendations which include clear views of credit structures and borrower’s risks.
· Lead the financial modelling of complex structured corporates, including the impacts of complex transactions including mergers, acquisitions and divestitures.
· Supports junior development through building strong relationships with the team as a mentor as needed.
· Collaborates with product team members prior to loan closing on approval memos, legal documentation, collateral review and funding approvals.
· Manages and controls risks throughout the post-closing credit process to ensure strong borrower performance.
· Monitors and enforces terms of loan agreement / documents.
· Identifies and establishes best practices policies and procedures.
· Manages other Portfolio Management functions, including collaborating with new business team on up-front and ongoing client due diligence, etc.
· Leads and/or provides valuable input for broader business initiatives, projects and goals.
**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 or equivalent work experience in Finance, Accounting, Management, Economics or equivalent field.
(Required)
CFA Charter and/or MBA (Preferred)
Work Experience:
Financial analysis, structuring, underwriting and portfolio management.
_Experience with infrastructure companies, and/or project finance loans (preferably renewable energy - wind, solar, etc)_
Skills and Abilities:
· Proficient communicator (orally and in writing) with clients, peers and fellow associates
· Proficient with Microsoft Office applications
· Ability to work and interact with various departments
· Ability to work in a fast-paced, sometimes stressful, environment with many critical deadlines
· Thorough knowledge and understanding of Structured Finance loan products and services
**Certifications:**
+ Other: Completion of bank-certified course in Credit Training - Preferred.
**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.
+ Experience in Microsoft Office products.
**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:
$78,750.00 USD
Maximum:
$122,500.00 USD
**Link to Santander Benefits:**
**Santander Benefits - 2025 Santander OnGoing/NH eGuide (foleon.com) (https://comms.santander.us/r/c-1x-asoDvZMQUmQ9qBf0gNi6cS-sCOOUmrXQKufnl-c92ox6n4.htm)**
**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** **:**
If this sounds like a role you are interested in, then please apply.
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 TAOps@santander.us to discuss your needs.
**Primary Location:** New York, NY, Madison Ave Corp
**Other Locations:** New York-New York
**Organization:** Banco Santander S.A.
AN EQUAL OPPORTUNITY EMPLOYER M/F/Vet/Disabled/SO
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