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Santander · 3 weeks ago

Corporate Banking Underwriting & Portfolio Management Associate

Madison Ave Corp

Full-time

Onsite

Mid Level

$109K/yr - $175K/yr

3+ years exp

Santander is a global leader and innovator in the financial services industry, evolving into a technology-driven organization. The Associate, Underwriting & Portfolio Management manages a portfolio of loan relationships and provides support on continuous improvement initiatives to enhance loan growth and efficiency.

BankingCommercial LendingFinanceFinancial ServicesPersonal Finance

Comp. & Benefits

Responsibilities

Provide financial analysis on large corporate clients with a focus on credit

Underwrite credits, spread financials, perform projections unsupervised with deep understanding of the client

Participates in deal diligence process including identifying all key risks

Reviews relevant deal documents / information provided in data room, by Company / Sponsor, and third party reports

Oversees internal approval process including ensuring accurate and timely completion of internal approval write-ups and leading deal merit discussion on internal approval calls

Qualification

Credit underwritingFinancial analysisPortfolio managementGAAPIFRS knowledgeFinancial modelingMicrosoft OfficeAnalytical skillsRisk analysisJudgmentCustomer serviceWritten communicationVerbal communicationTeamworkNegotiation skills

Required

At least 3+ years of experience in credit underwriting with solid experience in spreading financials under GAAP and IFRS accounting, understanding the concepts of EBITDA add-backs and ability to perform projections unsupervised with deep understanding of the client

Experience with financial analysis of large corporate clients with a focus on credit

Bachelor's Degree or equivalent work experience: Finance, Accounting, Management, Economics or equivalent field

3+ Years Financial analysis, structuring, underwriting and portfolio management

3+ Years Experience with underwriting loan transactions

Superior written and verbal communication skills

Strong analytical skills and proficiency navigating and understanding financial statements

Ability to work in a fast paced environment with little supervision

Ability to work well with others and on teams

Proficient in Microsoft Office, including Word, Excel and PowerPoint

Skilled in proposing and negotiating and recommending credit and covenant structures

Comfortable in customer contact situations including escalations and potential work-out/loan restructure environments

Ability to foster strong partnerships with the related documentation and underwriting units

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 RM's 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 group's 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