Santander Bank, N.A. · 2 weeks ago
Corporate Banking Underwriting & Portfolio Management Associate
New York, NY
Full-time
Onsite
Entry Level
$109K/yr - $175K/yr
3+ years expSantander Bank, N.A. is a global leader in the financial services industry, evolving into a technology-driven organization. The Associate, Underwriting & Portfolio Management manages a portfolio of loan relationships, providing support for continuous improvement initiatives and leading projects to enhance loan growth and efficiency.
BankingFinanceFinancial Services
Responsibilities
Provide financial analysis on large corporate clients with a focus on credit
Underwrite credits, spread financials, perform projections unsupervised with deep understanding of the client
Participates in deal diligence process including identifying all key risks
Reviews relevant deal documents / information provided in data room, by Company / Sponsor, and third party reports
Oversees internal approval process including ensuring accurate and timely completion of internal approval write-ups and leading deal merit discussion on internal approval calls
Qualification
Required
At least 3+ years of experience in credit underwriting with solid experience in spreading financials under GAAP and IFRS accounting, understanding the concepts of EBITDA add-backs and ability to perform projections unsupervised with deep understanding of the client
Experience with financial analysis of large corporate clients with a focus on credit
Bachelor's Degree or equivalent work experience: Finance, Accounting, Management, Economics or equivalent field
3+ Years Financial analysis, structuring, underwriting and portfolio management
3+ Years Experience with underwriting loan transactions
Superior written and verbal communication skills
Strong analytical skills and proficiency navigating and understanding financial statements
Ability to work in a fast paced environment with little supervision
Ability to work well with others and on teams
Proficient in Microsoft Office, including Word, Excel and PowerPoint
Skilled in proposing and negotiating and recommending credit and covenant structures
Comfortable in customer contact situations including escalations and potential work-out/loan restructure environments
Ability to foster strong partnerships with the related documentation and underwriting units
Demonstrated practical and conceptual knowledge of credit and risk analysis
Demonstrated knowledge in financial modeling and able to structure credit in modeling environment. Able to assist RM's on how to structure the credit relationship
Exhibits competency at independently reaching conclusions and forms clear view of credit structure and business risk to organization
Solid understanding of industry nuances applicable to the credits contained within the group's portfolio
Solid knowledge of loan and related legal documents
Strong communication skills, and ability to influence others by persuasively presenting thoughts and ideas to gain commitment and agreement for proposed ideas and solutions
Must demonstrate strong judgment and sound credit skills
Knowledge of Federal banking regulations
Preferred
Completion of bank-certified course in Credit Training
Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education
Experience in Microsoft Office products
Company
Santander Bank, N.A.
At Santander Bank, it’s our mission to help people and businesses prosper.
5001-10000 employees
H1B Sponsorship
Santander Bank, N.A. has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (44)
2024 (36)
2023 (61)
2022 (66)
2021 (78)
2020 (69)
Funding
Current Stage
Late StageTotal Funding
$75MKey Investors
Wind Turbine & Energy Cables
2020-01-22Debt Financing· $75M
Leadership Team
Pierre Habis
Chief Consumer & Digital Transformation Officer
Recent News
CEE Legal Matters
2025-12-22
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2025-12-06
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2025-11-18
Company data provided by crunchbase