USA SCIB Portfolio Management Analyst - CIB Lending

About the role

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.

The SCIB Portfolio Management Analyst is an entry to early-career individual contributor role within US SCIB COO Lending Solutions responsible for supporting credit spreading, portfolio monitoring, covenant tracking, collateral monitoring, annual and quarterly review preparation and portfolio reporting across SCIB lending portfolios. The role supports multiple products and business lines, including Infrastructure Finance, Structured Finance, Leveraged Finance, Investment Grade corporate lending and GTB-linked credit exposures. Objectives are to provide accurate analytical and administrative support for portfolio monitoring, maintain disciplined tracking of financial reporting, covenants, collateral and review deliverables, and develop foundational expertise in CIB lending lifecycle management.

Responsibilities

Credit Spreading and Analysis Support

• Perform financial spreading and basic credit analysis for assigned borrowers using financial statements, internal systems and portfolio management templates.
• Support quarterly and annual review preparation by gathering financials, covenant certificates, collateral data, borrower updates, rating inputs and prior review materials.
• Prepare initial variance analysis, ratio outputs, covenant calculations and portfolio data summaries for review by Associates and Vice Presidents.

Monitoring and Tracking

• Maintain trackers for financial statement delivery, covenant certificates, borrowing base certificates, collateral deliverables, insurance requirements, annual reviews, quarterly reviews and other monitoring obligations.
• Identify missing or late deliverables, data inconsistencies and potential exceptions for escalation.
• Update portfolio monitoring tools and shared records accurately and on schedule.

Lifecycle and Documentation Support

• Assist with amendment, waiver and lifecycle event tracking by collecting data, maintaining logs and supporting evidence files.
• Coordinate with Transaction Management, Agency, Operations and Portfolio Management colleagues to confirm post-close and ongoing monitoring requirements.
• Support document organization and retrieval for audits, credit reviews, regulatory requests and management reporting.

Reporting and Process Support

• Prepare recurring status reports, covenant dashboards, exception trackers and portfolio data extracts under supervision.
• Support data quality reviews, procedure updates, training materials and process improvement initiatives.
• Help maintain organized records for portfolio monitoring and control evidence.

Development and Collaboration

• Build knowledge of Infrastructure Finance, Structured Finance, Leveraged Finance, IG and GTB credit products, documentation and monitoring requirements.
• Collaborate with Front Office, Credit, Risk, Agency, Operations, Transaction Management and Finance stakeholders as directed.
• Demonstrate ownership, responsiveness and willingness to learn in a fast-paced CIB lending environment.

Requirements

Qualifications & Education

• Bachelor degree or equivalent work experience.
• 1+ years of relevant experience in credit analysis, finance, accounting, banking, lending operations, portfolio monitoring, agency, risk management or related roles.

Skills

• Strong Excel, analytical, organizational and written communication skills.
• Ability to perform accurate data entry, financial spreading and basic variance analysis.
• Attention to detail and comfort working with recurring deadlines and trackers.
• Willingness to learn credit systems, covenant tools, loan systems and portfolio reporting processes.
• Foundational knowledge of financial statements, credit analysis, Excel and corporate finance.
• Exposure to banking, credit, lending, infrastructure finance, structured finance, leveraged finance, IG corporate lending or GTB helpful.

Key Competencies

• High degree of accuracy and follow-through.
• Curiosity and interest in CIB lending and credit risk.
• Ability to ask good questions and escalate potential issues promptly.
• Collaborative and service-oriented approach.

Nice to Have

• Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.

Work Authorization

Applicants must be legally authorized to work in the United States on a full-time basis without requiring employer sponsorship to commence employment.

Pay

Base pay range: $110,000 – $135,000 USD annually (based on a 40-hour work week). Exact compensation may vary based on skills, experience, training, licensure, certifications and location.

Benefits

Santander offers a comprehensive rewards package including benefits designed to support you, your family and your well-being. Details are available in the Santander Benefits – 2026 Santander OnGoing/NH eGuide.

Working Conditions

Frequent minimal physical effort such as sitting, standing and walking is required. Depending on location, occasional moving and lifting light equipment and/or furniture may be required.