Corporate Underwriting & Portfolio Management VP

About the role

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!

Responsibilities

• Provide expertise in underwriting, structuring, servicing and documenting new and renewal credits.
• Identify, gather and analyze relevant information to assess credit risk, establish viability of sources of repayment and determine appropriate loan structures.
• Act as lead underwriter in collaboration with bankers preparing credit approval memos with recommendations consistent with bank policy that illustrate well‑reasoned analysis.
• Perform servicing reviews and support management of the assigned portfolio to identify and minimize risk to the organization.
• Provide quality customer service, including participation in joint calls with customers as needed.
• Ensure financial statements are spread and analyzed, addressing industry risks, monitoring collateral requirements, loan structuring and pricing, credit analysis, monitoring credit performance and assisting with loan presentations.
• Help to structure deals.
• Handle reporting on loans such as past dues, documentation and collateral exceptions, financial performance updates, portfolio profitability, risk grades, etc.
• Keep informed of financial and market trends in the portfolio and analyze those trends for the effect they will have on the portfolio.
• Assist in special projects as assigned.

Qualifications

Education: Bachelor’s Degree in a related field or equivalent demonstrated through a combination of work experience, training, military service, or education – Required. Master’s Degree in a related field or equivalent demonstrated through a combination of work experience, training, military service, or education – Preferred.

Experience: 7+ Years financial analysis, structuring, underwriting and portfolio management – Required. 7+ Years experience underwriting corporate loan transactions – Required.

Certifications: Completion of a bank‑certified course in Credit Training – Required.

Skills

• Superior written and verbal communication skills
• Strong analytical skills and proficient with 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, negotiating and recommending credit and covenant structures
• Comfortable in customer contact situations including escalations and potential work‑out