Santander US | Senior Associate, Sponsor and Specialty Finance - Technology & Infrastructure

Responsibilities

• The Sr. Associate, Portfolio Management manages a portfolio of credit account relationships and is responsible for credit risk management, retention and expansion of directly assigned customer relationships including underwriting, leading loan approval discussions, coordinating loan documentation and closing new loans to existing and new customers.
• To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.
• Delivers exceptional credit execution including prudent, sound and timely completion of all underwriting and portfolio management requirements within an assigned middle market portfolio.
• Ensures timely completion of renewals, annual reviews, and interim analyses.
• Works collaboratively with Risk Management on underwriting and credit approval matters.
• Ensures that the portfolio and all deal screen memos, term sheets and underwriting documents meet all existing Company and federal compliance requirements.
• Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.
• Grows and manages an assigned portfolio of high level banking credit account relationships, generating growth in net interest income and loan-related fee revenue.
• Produces quality underwriting documents for new/incremental business.
• Supports a strong risk culture for Santander by conducting day-to-day business in compliance with laws and regulations, internal policies and guidelines and proactively identifying, communicating, and addressing issues warranting attention.

Requirements

• Thoroughly identifies and analyzes all risks and mitigating factors, identifies variances to policy/procedures and assign accurate risk grade with appropriate justifications.
• The requirements listed below are representative of the knowledge, skill, and/or ability required.
• Bachelor’s Degree: in related field or equivalent demonstrated through a combination of work experience, training, military service, or education.
• Experience in credit structuring and underwriting and cross selling.
• Strong analytical skills and proficiency with financial statement modeling.
• Strong credit skills with the capacity to evaluate strength and weakness of a wide variety of credits.
• Ability to produce high quality underwriting documents with concise, well-reasoned analysis under tight time constraints.
• Ability to work independently and proactively address the needs of assigned portfolio.
• Excellent interpersonal, team building and communication skills.
• Thorough understanding of regulations governing financial products and services.
• Proficient with Microsoft office .

Santander US

Santander US is an employer hiring in India (sector: BFSI / Investments / Insurance). In its own words: "Apply for a bank account online with Santander Bank."

Its finance, accounts, audit and tax openings in India are mostly in New York, Miami, Houston and Boston.

• Industry: BFSI / Investments / Insurance