Supply Chain & Working Capital Solutions – Associate (Structuring & Origination)

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!

The Difference You Make:

The Corporate & Investment Banking Associate - Supply Chain & Working Capital Solutions will support the structuring and origination of Supply Chain Finance (SCF) transactions, acting as a key contributor in delivering working capital solutions for corporate clients across US and cross-border flows. This role combines analytical structuring responsibilities with active participation in business development efforts.

• Support the structuring and execution of Supply Chain Finance solutions
• Contribute to origination efforts by identifying opportunities within existing client portfolios and supporting senior team members in new business development initiatives
• Partner with Relationship Managers and senior product specialists to develop client strategies and tailored working capital solutions
• Assist in preparing client presentations, pitch materials, and proposals with a focus on SCF structuring and value proposition
• Participate in client discussions as a product specialist, supporting advisory efforts on working capital optimization and supply chain strategies
• Support end-to-end deal execution, including financial analysis, pricing, internal approvals, and coordination with key stakeholders
• Assist in structuring bespoke solutions to meet client-specific needs across domestic and cross-border supply chains
• Coordinate with internal stakeholders (Legal, Risk, Compliance, Operations, Technology) to facilitate smooth transaction execution and onboarding
• Support portfolio management activities, including monitoring program performance, utilization, and profitability
• Build and maintain internal relationships across support functions critical to successful deal execution
• Collaborate closely with internal stakeholders to align on pipeline development, client engagement, and growth strategy

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.

• 2+ years of relevant experience in Supply Chain Finance, Trade Finance, Working Capital Solutions, or Structured Finance
• Bachelor’s Degree or equivalent in Business, Finance, or related field
• Foundational experience in financial analysis, credit evaluation, and working capital assessment
• Basic understanding of SCF structures and documentation (e.g., receivables purchase agreements, payables finance frameworks)
• Familiarity with accounting considerations (IFRS and US GAAP) related to receivables sales and payables finance is a plus
• Strong analytical and problem-solving skills, with attention to detail
• Ability to support business development efforts and contribute to client-facing materials
• Effective communication and presentation skills
• Ability to work collaboratively across teams and build internal and external relationships
• Proficiency in Microsoft Office (Excel, PowerPoint, Word)
• Self-starter with a proactive mindset and willingness to learn in a fast-paced environment
• Understanding of SCF technology platforms and digital solutions is a plus
• High ethical standards and professionalism

Desirable, but not required:

• Exposure to broader Trade Finance products (Documentary Trade, ECA, Structured Trade, Commodity Finance)
• Familiarity with ERP systems (SAP, Oracle) and SCF platform integration
• Additional languages (particularly Spanish)
• Experience working with SCF fintech platforms or digital solutions
• Exposure to syndication or distribution of trade finance assets

Certifications:

• No Certifications listed for this job.

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.

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

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:

We Value Your Impact:

Your contribution matters and it’s recognized.  You can expect a fair and competitive rewards package that reflects the impact you create and the value you deliver. We know rewards go beyond numbers.  Offering more than just a paycheck our benefits are designed to support you, your family and your well-being, now and into the future. Santander Benefits - 2026 Santander OnGoing/NH eGuide (foleon.com) 

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.