Commercial Middle Market Underwriting & Portfolio Management VP

Your Journey Starts Here:

Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized enabling you to thrive both professionally and personally. Here you will find ample opportunities to connect and collaborate with talented colleagues from around the world sharing insights and driving innovation together. Join us at Santander where you are supported by a culture of engagement and a commitment to your success.

An exciting journey awaits if you are interested in exploring the possibilities We Want to Talk to You!

The Difference You Make:
The incumbent provides expertise in underwriting structuring servicing and documenting new and renewal credits. In addition the incumbent is responsible for identifying gathering and analyzing relevant information to assess credit risk establish viability of sources of repayment and determine appropriate loan structures. Acts as lead underwriter in collaboration with bankers in preparing credit approval memos with recommendations consistent with bank policy that illustrate wellreasoned analysis. Performs servicing reviews and supports management of the assigned portfolio to identify and minimize risk to the organization. Provides quality customer service including participation in joint calls on customers as needed.

Underwrites new transactions.

Portfolio manages existing loan relationships.

Expands and builds relationships with a high degree of resultant customer satisfaction.
Ensures 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.
Handles reporting on loans such as past dues documentation and collateral exceptions financial performance updates portfolio profitability risk grades etc.
Keeps informed of financial and market trends in the portfolio and analyzes those trends for the effect they will have on the portfolio.

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.

Bachelors Degree or equivalent work experience: Finance Accounting Management Economics or equivalent field. Required.
Masters Degree Finance Accounting Management Economics or equivalent field. Preferred.

9 years of handson underwriting experience in the commercial and/or corporate banking space Mandatory.

Skilled in proposing and negotiating and recommending credit and covenant structures.
Comfortable in customer contact situations including escalations and potential workout/loan restructure environments.
Demonstrated practical and conceptual knowledge of credit and risk analysis.
Demonstrated knowledge in financial modeling and able to structure credit in modeling environment. Able to assist RMs on how to structure the credit relationship.
Exhibits competency at independently reaching conclusions and forms clear view of credit structure and business risk to organization.
Solid understanding of industry nuances applicable to the credits contained within the groups portfolio.
Solid knowledge of loan and related legal documents.
Strong communication skills and ability to influence others by persuasively presenting thoughts and ideas to gain commitment and agreement for proposed ideas and solutions.
Must demonstrate strong judgment and sound credit skills.
Knowledge of Federal banking regulations.
Proficiency with computer systems.

Certifications:
Other Completion of bankcertified course in Credit Training Required.

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.

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 (nonexempt) the annual range is based on a 40hour work week. The exact compensation may vary based on skills experience training licensure and certifications and location.

Benefits:

Santander Benefits 2025 Santander OnGoing/NH eGuide ()

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 standingand 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 to discuss your needs.