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CIB Credit Management Associate

Apply Req ID: Req0944357 Date posted 04/20/2022
CIB Credit Management Associate

New York, United States of America


The Associate, Underwriting & Portfolio Management is an important member of the Media & Telecom Team.  S/he manages a very active portfolio of complex and/or high dollar banking loan relationships, and routinely monitors them for risks inherent in a business loan portfolio and provides support to the Team Leader on continuous improvement initiatives and takes the lead on projects that support loan growth and efficiency objectives within lines of business. The Associate, Underwriting & Portfolio Management helps deliver an industry-leading experience for both internal and external customers and acts as a subject matter expert.


  • Support Media & Telecom underwriters in collaboration with bankers in preparing credit approval memos with recommendations consistent with bank policy that illustrate well-reasoned analysis
  • Identify, gather and analyze relevant information to assess credit risk, establish viability of sources of repayment and determine appropriate loan structures 
  • Perform 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 on customers, as needed. Support Media & Telecom team on special projects
  • Manage transactions from start to finish including borrower rating, analysis of transaction terms & conditions, industry analysis, financial modelling and presentation to credit committee
  • Portfolio management of an assigned portfolio of Media & Telecom clients including, covenant monitoring, ratings, and periodic borrower reviews
  • Develop a deep understanding of the assigned portfolio through close following of company developments, press releases and news reports
  • Identify risk and mitigants and articulate them through written word and through incorporating them into the financial model
  • Oversees internal approval process including ensuring accurate and timely completion of internal approval write-ups and leading deal merit discussion on internal approval calls
  • Reviews relevant deal documents / information provided in data room, by Company / Sponsor, and third party reports


  • Bachelor's Degree or equivalent work experience - Finance, Accounting, Management, Economics or equivalent field
  • MBA or CFA Charter preferred
  • 3-5 years - Experience with underwriting loan transactions
  • 3-5 years - Financial analysis, structuring, underwriting and portfolio management
  • Completion of bank-certified course in Credit Training
  • Creative with high level of intellectual curiosity
  • Ability to foster strong partnerships with the related documentation and underwriting units
  • Ability to work in a fast paced environment with little supervision and simultaneously manage multiple projects
  • Ability to work well with others and on teams
  • Comfortable in customer contact situations including escalations and potential work-out/loan restructure environments

At Santander, we value and respect differences in our workforce and strive to increase the diversity of our teams. We encourage everyone to apply.






Primary Location: New York, New York, United States of America

Other Locations: New York-New York

Organization: Banco Santander S.A.

As a part of our commitment to the health and safety of our employees and clients, we have implemented COVID-related health and safety requirements for our workforce. These requirements may include all or some combination of: disclosing your vaccination status, being fully vaccinated, regular testing, mask wearing and social distancing. As you go through our selection process, the requirements will be clearly disclosed to you.


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