Underwriting & Portfolio Management Analyst

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 main function of the Analyst, Underwriting & Portfolio Management is to assist the Underwriter(s) in analyzing, processing and packaging loans.

• The Analyst, Underwriting & Portfolio Management - Financial Institutions Group, will provide oversight of all aspects of credit quality of the Financial Institutions portfolio working with more senior colleagues, including the daily approval process of individual credits and the formal review process of the portfolio as a whole.

• Primary responsibility is to review and coordinate the approval of individual counterparty limits and transactions working with more senior members of the team.

• Monitor the portfolio including the management of limits, review of exposures and relevant news on the clients / sectors covered

• Will work closely with the bankers in the origination and monitoring their assigned portfolio.

• Undertake other tasks as may be appropriate to the position as part of the broader team environment.

Responsibilities

Conduct detailed credit analysis and risk assessments for FI clients in the assigned portfolio with a primary focus on structure, documentation and financial analysis on the client.Participate in due diligence calls.Prepare written risk opinions and analysis. Work with bankers on a regular basis and build strong relationships.Apply credit policy and risk management standards, procedures and processes for the credit risk management of clients.Articulate a convincing case in support of the risk opinion.Prepare various portfolio analytical reports and presentations; stay connected with industry trends and macro issues which may impact the portfolio.Understand and use internal tools, methodologies and rating models used for underwriting and monitoring.

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.

• Bachelor's Degree or equivalent work experience: Finance, Accounting, Management, Economics or equivalent field. - Required.
• 1+ years of related experience and/or training. - Required.
• Excellent 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.
• Demonstrated proficiency in Microsoft Office, including Word, Excel and PowerPoint.
• Demonstrates strong judgment and sound credit skills.
• Knowledge of Federal banking regulations.

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.
• Experience in Microsoft Office products.

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.