Santander is a leading global bank, founded in 1857 and headquartered in Spain, and is one of the largest banks in the world by market capitalisation. It provides a wide range of financial products and services, including personal and corporate banking, wealth management, and insurance. With a strong presence in Europe, Latin America, North America, and Asia, Santander's mission is to help people and businesses prosper by offering customer-centric solutions. Its purpose is to support growth and innovation while fostering responsible banking practices to benefit individuals, businesses, and communities.

Finance

Santander

You should have relevant work experience, strong academic performance in business or finance, motivation to learn, English proficiency, and MS Office skills; German and Spanish are a plus.

You will assist in business development, support team and client needs, prepare transactions, conduct financial analysis, coordinate pricing with the Liquidity Desk, and enhance client communication.

Banking & Finance

Frankfurt

SCIB is looking for a Cash Management Intern, based in our Frankfurt Office. WHY YOU SHOULD CONSIDER THIS OPPORTUNITY At Santander CIB (https://www.santandercib.com/) we are key players in the transformation of the financial sector. Do you want to join us? Santander Corporate & Investment Banking (Santander CIB) is Santander's global division that supports some of the world's most complex and sophisticated corporate and institutional clients, offering customized services and value-added wholesale solutions to best meet their needs. We embrace a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management. Santander is proud of being an organization where there are equal opportunities regardless of gender identity, culture, and disability. Our mission is to contribute to help more people and business prosper. What You Will Be Doing During your Cash Management internship, you will develop a sophisticated set of skills in Global Transaction Banking, gain a deep understanding of SCIB solutions and services with insights into tasks and projects of our international client business. We need you to support us on various activities: * Assist in creating new business opportunities * Assisting to service the team and clients in daily business * Work on the preparation and execution of transactions * Perform financial and strategic business analysis * Coordinate with the Liquidity Desk & obtain pricing offers * Create client communication and strengthen business relationships Experience * Relevant prior work experience appreciated EDUCATION * Strong academic track record (preferably in business administration, finance or economics). Skills & Knowledge * High motivation to learn and work in a global team * Highly proficient in English and basic German, Spanish would be of advantage * Proficient in MS Office suite * Excellent oral and written communication skills. * Commitment to Banco Santander’s values and high ethical standards. Further Requirements Our internships are designed to complement your studies for six months. The precise period will be arranged individually. Please attach a copy of your supporting documentation in English and indicate your availability. We ask for your understanding that applicants who are not available during the specified period cannot be considered. If you are a non-EU citizen, please include a scan of your visa and work permit for Germany to your application documents.

SCIB is looking for a Cash Management Intern, based in our Frankfurt Office.WHY YOU SHOULD CONSIDER THIS OPPORTUNITYAt Santander CIB (https://www.santandercib.com/) we are key players in the transformation of the financial sector. Do you want to join us?Santander Corporate & Investment Banking (Santander CIB) is Santander's global division that supports some of the world's most complex and sophisticated corporate and institutional clients, offering customized services and value-added wholesale solutions to best meet their needs. We embrace a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management.Santander is proud of being an organization where there are equal opportunities regardless of gender identity, culture, and disability. Our mission is to contribute to help more people and business prosper.What You Will Be DoingDuring your Cash Management internship, you will develop a sophisticated set of skills in Global Transaction Banking, gain a deep understanding of SCIB solutions and services with insights into tasks and projects of our international client business.We need you to support us on various activities: * Assist in creating new business opportunities * Assisting to service the team and clients in daily business * Work on the preparation and execution of transactions * Perform financial and strategic business analysis * Coordinate with the Liquidity Desk & obtain pricing offers * Create client communication and strengthen business relationships      Experience * Relevant prior work experience appreciated      EDUCATION * Strong academic track record (preferably in business administration, finance or economics).      Skills & Knowledge * High motivation to learn and work in a global team * Highly proficient in English and basic German, Spanish would be of advantage * Proficient in MS Office suite * Excellent oral and written communication skills. * Commitment to Banco Santander’s values and high ethical standards.      Further RequirementsOur internships are designed to complement your studies for six months. The precise period will be arranged individually. Please attach a copy of your supporting documentation in English and indicate your availability. We ask for your understanding that applicants who are not available during the specified period cannot be considered.If you are a non-EU citizen, please include a scan of your visa and work permit for Germany to your application documents.

Cash Management Intern - Santander

Cash Management Intern

You must be an undergraduate with a GPA of 3.5+, demonstrate motivation and communication skills, possess strong analytical abilities, and support diversity and teamwork.

You will learn credit policies, build partnerships, conduct risk research and analysis, and support ongoing projects and improvement initiatives within the risk management team.

Data

New York

<div>Santander CIB 2025 Risk Summer Analyst
Country: United States of America
What you will gain
Our Risk Summer Analyst Program, beginning in June 2025, provides an introduction to Santander CIB and its capabilities. You will obtain practical, hands-on experience on both technical and interpersonal skills, helping your development during the Internship.
At Santander CIB, we believe in the idea that our actions, no matter how small, can have a positive impact on our clients, employees, shareholders, and the communities we serve. As such, we strive to attract like-minded individuals and exceptional talent who we can help achieve their highest potential.
The 2025 Risk Summer Analyst Program is for undergraduate students in a four-year program who have an anticipated graduation date of May/June 2026.
Based in New York (NY), you will become part of an international business working with teams across different geographies.
What we offer you
You will be working in an environment where teamwork and partnership is critical to deliver the best solutions. You will be partnered with a mentor, who is able to provide you with guidance and advice throughout the Summer while immediately building your Santander network.
We make it our mission to focus on attracting and retaining junior talent. Our program is designed to get you on the right path to the next level. At Santander CIB, we have a strong global footprint which fosters an environment in which we promote internal mobility both locally and globally.
Santander&rsquo;s Corporate and Investment Banking (CIB) Risk Summer Analysts work alongside our Risk Management Team across various functions &ndash; Credit, Operational, Enterprise, and Market Risk.<ul><li>
Become familiar with the bank&rsquo;s credit policies and framework in support of risk management and business development.</li><li>
Build relationships with Credit, Relationship, Product, and Legal Partners.</li><li>
Conduct research and analysis while identifying associated risks</li><li>
Support department on continuous projects and improvement initiatives.</li></ul>
What we are looking for<ul><li>
An undergraduate student in a four-year program with an expected graduation date of May/June 2026.</li><li>
Cumulative GPA is 3.5 or above.</li><li>
Highly motivated and results oriented with a desire to exceed expectations.</li><li>
Demonstrates intellectual curiosity and courage in their leadership style.</li><li>
Crisp communication skills with the ability to express facts and ideas clearly both verbally and in writing, interacting professionally, transparently, and effectively with people at all levels.</li><li>
Strong English communication skills both written and spoken required, foreign language skills are a plus.</li><li>
Strong analytical and quantitative skills.</li><li>
Strong critical thinking with the ability to develop solutions to complex challenges.</li><li>
Ability to multi-task as required.</li><li>
Ability to work independently on special projects.</li><li>
Ability to effectively contribute in a team environment.</li><li>
Create an environment of diversity, equity, and inclusion where all perspectives are valued, and all people are welcomed.</li></ul>
Joining Santander CIB means becoming part of a world-class team that supports the growth strategy of major companies and institutions by providing innovative and tailor-made solutions. A unique opportunity to join an international network of experts that will help you take your career to the next level.
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.
The base hourly pay range for this position is $33.60/hr. The exact compensation may vary based on skills, experience, training, licensure and certifications and location. The internship program does not offer any relocation assistance.<div><div><div><div><div><div><div>
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.</div></div></div></div></div></div></div> 
Primary Location: New York, NY, Madison Ave Corp 
Other Locations: New York-New York</div>

Santander CIB 2025 Risk Summer Analyst
Country: United States of America
What you will gain
Our Risk Summer Analyst Program, beginning in June 2025, provides an introduction to Santander CIB and its capabilities. You will obtain practical, hands-on experience on both technical and interpersonal skills, helping your development during the Internship.
At Santander CIB, we believe in the idea that our actions, no matter how small, can have a positive impact on our clients, employees, shareholders, and the communities we serve. As such, we strive to attract like-minded individuals and exceptional talent who we can help achieve their highest potential.
The 2025 Risk Summer Analyst Program is for undergraduate students in a four-year program who have an anticipated graduation date of May/June 2026.
Based in New York (NY), you will become part of an international business working with teams across different geographies.
What we offer you
You will be working in an environment where teamwork and partnership is critical to deliver the best solutions. You will be partnered with a mentor, who is able to provide you with guidance and advice throughout the Summer while immediately building your Santander network.
We make it our mission to focus on attracting and retaining junior talent. Our program is designed to get you on the right path to the next level. At Santander CIB, we have a strong global footprint which fosters an environment in which we promote internal mobility both locally and globally.
Santander’s Corporate and Investment Banking (CIB) Risk Summer Analysts work alongside our Risk Management Team across various functions – Credit, Operational, Enterprise, and Market Risk.
Become familiar with the bank’s credit policies and framework in support of risk management and business development.
Build relationships with Credit, Relationship, Product, and Legal Partners.
Conduct research and analysis while identifying associated risks
Support department on continuous projects and improvement initiatives.
What we are looking for
An undergraduate student in a four-year program with an expected graduation date of May/June 2026.
Cumulative GPA is 3.5 or above.
Highly motivated and results oriented with a desire to exceed expectations.
Demonstrates intellectual curiosity and courage in their leadership style.
Crisp communication skills with the ability to express facts and ideas clearly both verbally and in writing, interacting professionally, transparently, and effectively with people at all levels.
Strong English communication skills both written and spoken required, foreign language skills are a plus.
Strong analytical and quantitative skills.
Strong critical thinking with the ability to develop solutions to complex challenges.
Ability to multi-task as required.
Ability to work independently on special projects.
Ability to effectively contribute in a team environment.
Create an environment of diversity, equity, and inclusion where all perspectives are valued, and all people are welcomed.
Joining Santander CIB means becoming part of a world-class team that supports the growth strategy of major companies and institutions by providing innovative and tailor-made solutions. A unique opportunity to join an international network of experts that will help you take your career to the next level.
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.
The base hourly pay range for this position is $33.60/hr. The exact compensation may vary based on skills, experience, training, licensure and certifications and location. The internship program does not offer any relocation assistance.
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.
Primary Location: New York, NY, Madison Ave Corp
Other Locations: New York-New York

Santander CIB 2025 Risk Summer Analyst - Santander

Santander CIB 2025 Risk Summer Analyst

You should have a relevant degree, 1-2+ years of experience, strong financial modeling skills, knowledge of energy sectors, advanced Excel and PowerPoint, and excellent communication abilities.

You will build client relationships, support deal teams in origination and marketing, conduct financial analysis, review due diligence, and prepare financial models and materials for transactions.

New York, United States of America USA Job Family Description Santander Corporate & Investment Bank (“SCIB”) is one of the leading energy and infrastructure structuring and financing bank in the US. The goal of continuing revenue growth more than 20% per year makes the team an exciting place to work. The Analyst – Financial Advisory will be a strategic advisor to our clients regarding capital solutions. They will be supporting the transaction process from origination to closing, including, origination, structuring and modelling, diligence, lenders presentations and coordination They will also support on negotiation of financing documentation, and lead defined workstreams. Activities will include providing relevant content and support the team on providing advice to clients related to financing and strategic transactions. USA Job Function Description Santander Corporate & Investment Bank (“SCIB”) is one of the leading energy and infrastructure structuring and financing bank in the US. The goal of continuing revenue growth more than 20% per year makes the team an exciting place to work. The Analyst – Financial Advisory will be a strategic advisor to our clients regarding capital solutions. They will be supporting the transaction process from origination to closing, including, origination, structuring and modelling, diligence, lenders presentations and coordination They will also support on negotiation of financing documentation, and lead defined workstreams. Activities will include providing relevant content and support the team on providing advice to clients related to financing and strategic transactions. Essential Functions/Responsibility Statements Assist in developing and maintaining new and existing client relationships, to support the team in growing business in the region, including preparation of marketing related materials Provide essential support to the deal team through all steps of the origination and marketing phases (preparation of marketing materials, credentials, pitches, any advisory materials) Financial modeling: analyze and support in building cash flow models as well as run sensitivities and prepare financial analysis Review due diligence materials (market, technical, insurance, legal, tax) and interact with relevant advisors in Q&A sessions Support in the structuring of the transaction: review of the key features of the financing strategy and any financial documentation Prepare content that increases or maintains knowledge of the Energy and Infrastructure sectors, as well as current market conditions and financing trends Prepare and support the preparation of structuring materials and financing analyses for pitches and live mandates Support the development of complex financial models for financial advisory and other purposes as well as carrying on the team’s modelling good practices Operate within compliance parameters and demonstrate sound business judgement Qualifications: 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. Education Bachelor’s degree, MBA or CFA a plus Work Experience 1-2+ years of relevant experience 1+ years in developing complex financial models Skills And Abilities Preferred sector experience: energy transition, traditional energy, power & renewables and infrastructure Solid financial modeling and technical capabilities Strong communication and interpersonal skills Advanced knowledge of Excel and PowerPoint Ability to coordinate across multiple teams Team player and self-starter Comfortable sharing own ideas and perspectives Able to anticipate what is needed next without always waiting for instructions Strong interest in new disruptive/clean technologies Diversity & EEO Statements: At Santander, we value and respect differences in our workforce and strive to increase the diversity of our teams. 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. Occasional moving and lifting equipment and furniture is required to support onsite and offsite meeting setup and teardown. Physically capable of lifting up to fifty pounds, able to bend, kneel, climb ladders. 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 at any time for any reason. Primary Location: New York, NY, Madison Ave Corp Other Locations: New York-New York Organization: Banco Santander S.A. Salary: $82,500 - $135,000/year

New York, United States of AmericaUSA Job Family DescriptionSantander Corporate & Investment Bank (“SCIB”) is one of the leading energy and infrastructure structuring and financing bank in the US. The goal of continuing revenue growth more than 20% per year makes the team an exciting place to work.The Analyst – Financial Advisory will be a strategic advisor to our clients regarding capital solutions. They will be supporting the transaction process from origination to closing, including, origination, structuring and modelling, diligence, lenders presentations and coordination They will also support on negotiation of financing documentation, and lead defined workstreams. Activities will include providing relevant content and support the team on providing advice to clients related to financing and strategic transactions.USA Job Function DescriptionSantander Corporate & Investment Bank (“SCIB”) is one of the leading energy and infrastructure structuring and financing bank in the US. The goal of continuing revenue growth more than 20% per year makes the team an exciting place to work.The Analyst – Financial Advisory will be a strategic advisor to our clients regarding capital solutions. They will be supporting the transaction process from origination to closing, including, origination, structuring and modelling, diligence, lenders presentations and coordination They will also support on negotiation of financing documentation, and lead defined workstreams. Activities will include providing relevant content and support the team on providing advice to clients related to financing and strategic transactions.Essential Functions/Responsibility StatementsAssist in developing and maintaining new and existing client relationships, to support the team in growing business in the region, including preparation of marketing related materialsProvide essential support to the deal team through all steps of the origination and marketing phases (preparation of marketing materials, credentials, pitches, any advisory materials)Financial modeling: analyze and support in building cash flow models as well as run sensitivities and prepare financial analysisReview due diligence materials (market, technical, insurance, legal, tax) and interact with relevant advisors in Q&A sessionsSupport in the structuring of the transaction: review of the key features of the financing strategy and any financial documentationPrepare content that increases or maintains knowledge of the Energy and Infrastructure sectors, as well as current market conditions and financing trendsPrepare and support the preparation of structuring materials and financing analyses for pitches and live mandatesSupport the development of complex financial models for financial advisory and other purposes as well as carrying on the team’s modelling good practicesOperate within compliance parameters and demonstrate sound business judgementQualifications: 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.EducationBachelor’s degree, MBA or CFA a plusWork Experience1-2+ years of relevant experience1+ years in developing complex financial modelsSkills And AbilitiesPreferred sector experience: energy transition, traditional energy, power & renewables and infrastructureSolid financial modeling and technical capabilitiesStrong communication and interpersonal skillsAdvanced knowledge of Excel and PowerPointAbility to coordinate across multiple teamsTeam player and self-starterComfortable sharing own ideas and perspectivesAble to anticipate what is needed next without always waiting for instructionsStrong interest in new disruptive/clean technologiesDiversity & EEO Statements: At Santander, we value and respect differences in our workforce and strive to increase the diversity of our teams. 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. Occasional moving and lifting equipment and furniture is required to support onsite and offsite meeting setup and teardown. Physically capable of lifting up to fifty pounds, able to bend, kneel, climb ladders.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 at any time for any reason.Primary Location: New York, NY, Madison Ave CorpOther Locations: New York-New YorkOrganization: Banco Santander S.A.Salary: $82,500 - $135,000/year

Analyst, Financial Advisory- SCIB - Santander

Analyst, Financial Advisory- SCIB

You need a Bachelor's degree, 9+ years in workout/portfolio management, knowledge of multifamily loans, strong analytical skills, and advanced Microsoft Office proficiency.

You will manage complex defaulted multifamily loans, interact with borrowers, analyze financials, resolve issues, ensure compliance, mentor junior staff, and monitor portfolio quality.

Real Estate & Property

Boise

Boston, United States of America Job Description Summary The Sr. Associate/Vice President, Commercial Real Estate Multifamily Workout, leverages his or her subject matter expertise for work out situations and activities and facilitates the resolution of problems multifamily real estate loans, proactively minimizing potential losses to the Company. The incumbent manages accounts of medium and advanced complexity and leads special workout projects and/or programs. Job Description Monitors activities to minimize the company's exposure to risk. Activities may include quantitative analysis, risk identification and remediation. Represents or supports the reputation of the company to minimize compliance and regulatory risk by resolving issues and ensuring adherence to company and legal standards. Responsible for ensuring that all of the company's activities adhere to the necessary rules and regulations, and that the company complies with legal/regulatory statutes and jurisdictions. Ensures adherence to the, standards, policies and procedures established by the company. Monitors and manages risk/exposure and compliance with the company's policies. Essential Functions/Responsibility Statements * Manages accounts of medium and advanced complexity including defaulted multifamily commercial real estate loans and borrower relationships, the majority of which are rent stabilized and/or rent controlled housing assets in/around Greater New York City, in accordance with risk management objectives and corporate budgets. * Facilitates the resolution of problem multifamily loans through interacting with multifamily borrowers, designing and implementing loan modifications to improve credit quality or chances of repayment, in a cost-effective manner. Interacts with institutional sponsors. * Reviews adequacy of assigned risk ratings, commercial loan accounting determinations, and provide support for risk rating upgrade and downgrade recommendations. * Collects financial information, communicates with existing multifamily borrowers s and credit administration to ensure loans are reviewed and managed in a proper and timely manner. Ability to analyze income and expense statements, balance sheets, guarantor financial statements and build pro formas for collateral properties at various points of loan cycle. * Performs analysis of credit submittals regarding transactions and / or financial strengths to ascertain if borrowers qualify for financing restructures and recommend solutions to resolve loans. * Ability to analyze third party commercial real estate reports such as appraisals, environmental reports, property condition reports. * Facilitates the resolution of problems loans, proactively minimizing potential losses to the Company. * Proactively manages troubled loan relationships with ability to lead discussions with sophisticated sponsors, counsel, junior staff and third-party associates. * Monitors portfolios and quality assurance in compliance with corporate policy. * Ensures compliance with training, statutes, valuation and environmental policy. * Oversees the candidates loan portfolio to ensure consistent quality control, accuracy, and compliance with internal policies and regulatory requirements for reporting processes. * Analyzes severely delinquent and charged off accounts to identify possible problems, trends, and issues for feedback to credit and management. * Processes charged-off financings including litigation, asset discovery and fraud investigations. * Mentors and coaches work of junior level workout professionals. * Communicates recommendations and credit risk management processes to management that strengthens the organization and enhances overall supervision of lending methods and provides tools to continually measure effectiveness. Qualifications 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. Education Bachelor's Degree or equivalent work experience: Business, Accounting, Finance, Economics or equivalent field. Required. Master's Degree in Business Administration, Accounting, Finance, Economics or equivalent field. Preferred. Work Experience 9+ Years Workout and/or portfolio management experience. Required. 9+ Years Req Skills And Abilities * Advanced knowledge of Commercial Loan Workout best practices, identification, resolution and implementation. * Knowledge of multifamily lending, underwriting, loan documentation, and asset management and ability to implement such knowledge into proposed thoughtful loan restructures and assemblage of loan credit files. * Knowledge of New York City multifamily loans and, ideally, rent controlled and/or rent stabilized buildings and portfolios. * Ability to provide accurate and timely reporting and analyses on the assigned portfolio for investors and as part of quarterly portfolio review. * Ability to read, analyze and interpret commercial real estate multifamily financial information, loan files and legal documents. * Ability to work cross-functionally as a team player. * Excellent interpersonal, supervisory, and customer service skills required. * Excellent written and verbal communication skills * Excellent critical thinking skills with the ability to be adept in identifying and resolving complex risk management problems. * Ability to build and foster internal relationships. * Ability to lead, influence and direct peers, subordinates and management. * Ability to interact with senior level management, experience interfacing with multiple levels of the organizational structure. * Advanced Microsoft Office (Excel, Word, PowerPoint, Outlook, SharePoint) skills. * Self-directed, self-motivated and demonstrated experience providing ideas and solutions to further business understanding. Diversity & EEO Statements At Santander, we value and respect differences in our workforce and strive to increase the diversity of our teams. 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. Occasional moving and lifting equipment and furniture is required to support onsite and offsite meeting setup and teardown. Physically capable of lifting up to fifty pounds, able to bend, kneel, climb ladders. 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 at any time for any reason. Primary Location: Boston, MA, Boston Other Locations: Massachusetts-Boston,Ohio-Columbus,North Carolina-Raleigh,Michigan-Lansing,Maryland-Annapolis,Virginia-Richmond,Iowa-Des Moines,Nevada-Carson City,New Hampshire-Concord,Alabama-Montgomery,Texas-Austin,South Carolina-Columbia,Vermont-Montpelier,New Jersey-Trenton,New York-Albany,Wisconsin-Madison,Colorado-Denver,Indiana-Indianapolis,Missouri-Jefferson City,Georgia-Atlanta,Oklahoma-Oklahoma City,Illinois-Springfield,Utah-Salt Lake City,Mississippi-Jackson,Delaware-Dover,Washington-Olympia,Maine-Augusta,Arkansas-Little Rock,Pennsylvania-Harrisburg,Tennessee-Nashville,Kentucky-Frankfort,Idaho-Boise,Minnesota-St Paul,Rhode Island-Providence,Oregon-Salem,Louisiana-Baton Rouge,Kansas-Topeka Organization: Santander Holdings USA, Inc. Salary: $90,000 - $165,000/year

Boston, United States of AmericaJob Description SummaryThe Sr. Associate/Vice President, Commercial Real Estate Multifamily Workout, leverages his or her subject matter expertise for work out situations and activities and facilitates the resolution of problems multifamily real estate loans, proactively minimizing potential losses to the Company. The incumbent manages accounts of medium and advanced complexity and leads special workout projects and/or programs.Job DescriptionMonitors activities to minimize the company's exposure to risk. Activities may include quantitative analysis, risk identification and remediation. Represents or supports the reputation of the company to minimize compliance and regulatory risk by resolving issues and ensuring adherence to company and legal standards. Responsible for ensuring that all of the company's activities adhere to the necessary rules and regulations, and that the company complies with legal/regulatory statutes and jurisdictions.Ensures adherence to the, standards, policies and procedures established by the company. Monitors and manages risk/exposure and compliance with the company's policies.Essential Functions/Responsibility Statements * Manages accounts of medium and advanced complexity including defaulted multifamily commercial real estate loans and borrower relationships, the majority of which are rent stabilized and/or rent controlled housing assets in/around Greater New York City, in accordance with risk management objectives and corporate budgets. * Facilitates the resolution of problem multifamily loans through interacting with multifamily borrowers, designing and implementing loan modifications to improve credit quality or chances of repayment, in a cost-effective manner. Interacts with institutional sponsors. * Reviews adequacy of assigned risk ratings, commercial loan accounting determinations, and provide support for risk rating upgrade and downgrade recommendations. * Collects financial information, communicates with existing multifamily borrowers s and credit administration to ensure loans are reviewed and managed in a proper and timely manner. Ability to analyze income and expense statements, balance sheets, guarantor financial statements and build pro formas for collateral properties at various points of loan cycle. * Performs analysis of credit submittals regarding transactions and / or financial strengths to ascertain if borrowers qualify for financing restructures and recommend solutions to resolve loans. * Ability to analyze third party commercial real estate reports such as appraisals, environmental reports, property condition reports. * Facilitates the resolution of problems loans, proactively minimizing potential losses to the Company. * Proactively manages troubled loan relationships with ability to lead discussions with sophisticated sponsors, counsel, junior staff and third-party associates. * Monitors portfolios and quality assurance in compliance with corporate policy. * Ensures compliance with training, statutes, valuation and environmental policy. * Oversees the candidates loan portfolio to ensure consistent quality control, accuracy, and compliance with internal policies and regulatory requirements for reporting processes. * Analyzes severely delinquent and charged off accounts to identify possible problems, trends, and issues for feedback to credit and management. * Processes charged-off financings including litigation, asset discovery and fraud investigations. * Mentors and coaches work of junior level workout professionals. * Communicates recommendations and credit risk management processes to management that strengthens the organization and enhances overall supervision of lending methods and provides tools to continually measure effectiveness.      QualificationsTo 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.EducationBachelor's Degree or equivalent work experience: Business, Accounting, Finance, Economics or equivalent field. Required.Master's Degree in Business Administration, Accounting, Finance, Economics or equivalent field. Preferred.Work Experience9+ Years Workout and/or portfolio management experience. Required.9+ Years ReqSkills And Abilities * Advanced knowledge of Commercial Loan Workout best practices, identification, resolution and implementation. * Knowledge of multifamily lending, underwriting, loan documentation, and asset management and ability to implement such knowledge into proposed thoughtful loan restructures and assemblage of loan credit files. * Knowledge of New York City multifamily loans and, ideally, rent controlled and/or rent stabilized buildings and portfolios. * Ability to provide accurate and timely reporting and analyses on the assigned portfolio for investors and as part of quarterly portfolio review. * Ability to read, analyze and interpret commercial real estate multifamily financial information, loan files and legal documents. * Ability to work cross-functionally as a team player. * Excellent interpersonal, supervisory, and customer service skills required. * Excellent written and verbal communication skills * Excellent critical thinking skills with the ability to be adept in identifying and resolving complex risk management problems. * Ability to build and foster internal relationships. * Ability to lead, influence and direct peers, subordinates and management. * Ability to interact with senior level management, experience interfacing with multiple levels of the organizational structure. * Advanced Microsoft Office (Excel, Word, PowerPoint, Outlook, SharePoint) skills. * Self-directed, self-motivated and demonstrated experience providing ideas and solutions to further business understanding.      Diversity & EEO StatementsAt Santander, we value and respect differences in our workforce and strive to increase the diversity of our teams. 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 ConditionsFrequent Minimal physical effort such as sitting, standing and walking. Occasional moving and lifting equipment and furniture is required to support onsite and offsite meeting setup and teardown. Physically capable of lifting up to fifty pounds, able to bend, kneel, climb ladders.Employer RightsThis 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 at any time for any reason.Primary Location: Boston, MA, BostonOther Locations: Massachusetts-Boston,Ohio-Columbus,North Carolina-Raleigh,Michigan-Lansing,Maryland-Annapolis,Virginia-Richmond,Iowa-Des Moines,Nevada-Carson City,New Hampshire-Concord,Alabama-Montgomery,Texas-Austin,South Carolina-Columbia,Vermont-Montpelier,New Jersey-Trenton,New York-Albany,Wisconsin-Madison,Colorado-Denver,Indiana-Indianapolis,Missouri-Jefferson City,Georgia-Atlanta,Oklahoma-Oklahoma City,Illinois-Springfield,Utah-Salt Lake City,Mississippi-Jackson,Delaware-Dover,Washington-Olympia,Maine-Augusta,Arkansas-Little Rock,Pennsylvania-Harrisburg,Tennessee-Nashville,Kentucky-Frankfort,Idaho-Boise,Minnesota-St Paul,Rhode Island-Providence,Oregon-Salem,Louisiana-Baton Rouge,Kansas-TopekaOrganization: Santander Holdings USA, Inc.Salary: $90,000 - $165,000/year

Sr. Associate, Workout (Commercial Real Estate/Multifamily Workout) REMOTE - Santander

Sr. Associate, Workout (Commercial Real Estate/Multifamily Workout) REMOTE

You need a Bachelor’s degree, 9+ years in workout/portfolio management, expertise in commercial loan workouts, multifamily lending, and strong analytical, communication, and leadership skills.

You will manage complex multifamily loan accounts, resolve issues, analyze financials, ensure compliance, and mentor junior staff while minimizing potential losses.

Atlanta

Boston, United States of America Job Description Summary The Sr. Associate/Vice President, Commercial Real Estate Multifamily Workout, leverages his or her subject matter expertise for work out situations and activities and facilitates the resolution of problems multifamily real estate loans, proactively minimizing potential losses to the Company. The incumbent manages accounts of medium and advanced complexity and leads special workout projects and/or programs. Job Description Monitors activities to minimize the company's exposure to risk. Activities may include quantitative analysis, risk identification and remediation. Represents or supports the reputation of the company to minimize compliance and regulatory risk by resolving issues and ensuring adherence to company and legal standards. Responsible for ensuring that all of the company's activities adhere to the necessary rules and regulations, and that the company complies with legal/regulatory statutes and jurisdictions. Ensures adherence to the, standards, policies and procedures established by the company. Monitors and manages risk/exposure and compliance with the company's policies. Essential Functions/Responsibility Statements * Manages accounts of medium and advanced complexity including defaulted multifamily commercial real estate loans and borrower relationships, the majority of which are rent stabilized and/or rent controlled housing assets in/around Greater New York City, in accordance with risk management objectives and corporate budgets. * Facilitates the resolution of problem multifamily loans through interacting with multifamily borrowers, designing and implementing loan modifications to improve credit quality or chances of repayment, in a cost-effective manner. Interacts with institutional sponsors. * Reviews adequacy of assigned risk ratings, commercial loan accounting determinations, and provide support for risk rating upgrade and downgrade recommendations. * Collects financial information, communicates with existing multifamily borrowers s and credit administration to ensure loans are reviewed and managed in a proper and timely manner. Ability to analyze income and expense statements, balance sheets, guarantor financial statements and build pro formas for collateral properties at various points of loan cycle. * Performs analysis of credit submittals regarding transactions and / or financial strengths to ascertain if borrowers qualify for financing restructures and recommend solutions to resolve loans. * Ability to analyze third party commercial real estate reports such as appraisals, environmental reports, property condition reports. * Facilitates the resolution of problems loans, proactively minimizing potential losses to the Company. * Proactively manages troubled loan relationships with ability to lead discussions with sophisticated sponsors, counsel, junior staff and third-party associates. * Monitors portfolios and quality assurance in compliance with corporate policy. * Ensures compliance with training, statutes, valuation and environmental policy. * Oversees the candidates loan portfolio to ensure consistent quality control, accuracy, and compliance with internal policies and regulatory requirements for reporting processes. * Analyzes severely delinquent and charged off accounts to identify possible problems, trends, and issues for feedback to credit and management. * Processes charged-off financings including litigation, asset discovery and fraud investigations. * Mentors and coaches work of junior level workout professionals. * Communicates recommendations and credit risk management processes to management that strengthens the organization and enhances overall supervision of lending methods and provides tools to continually measure effectiveness. Qualifications 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. Education Bachelor's Degree or equivalent work experience: Business, Accounting, Finance, Economics or equivalent field. Required. Master's Degree in Business Administration, Accounting, Finance, Economics or equivalent field. Preferred. Work Experience 9+ Years Workout and/or portfolio management experience. Required. 9+ Years Req Skills And Abilities * Advanced knowledge of Commercial Loan Workout best practices, identification, resolution and implementation. * Knowledge of multifamily lending, underwriting, loan documentation, and asset management and ability to implement such knowledge into proposed thoughtful loan restructures and assemblage of loan credit files. * Knowledge of New York City multifamily loans and, ideally, rent controlled and/or rent stabilized buildings and portfolios. * Ability to provide accurate and timely reporting and analyses on the assigned portfolio for investors and as part of quarterly portfolio review. * Ability to read, analyze and interpret commercial real estate multifamily financial information, loan files and legal documents. * Ability to work cross-functionally as a team player. * Excellent interpersonal, supervisory, and customer service skills required. * Excellent written and verbal communication skills * Excellent critical thinking skills with the ability to be adept in identifying and resolving complex risk management problems. * Ability to build and foster internal relationships. * Ability to lead, influence and direct peers, subordinates and management. * Ability to interact with senior level management, experience interfacing with multiple levels of the organizational structure. * Advanced Microsoft Office (Excel, Word, PowerPoint, Outlook, SharePoint) skills. * Self-directed, self-motivated and demonstrated experience providing ideas and solutions to further business understanding. Diversity & EEO Statements At Santander, we value and respect differences in our workforce and strive to increase the diversity of our teams. 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. Occasional moving and lifting equipment and furniture is required to support onsite and offsite meeting setup and teardown. Physically capable of lifting up to fifty pounds, able to bend, kneel, climb ladders. 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 at any time for any reason. Primary Location: Boston, MA, Boston Other Locations: Massachusetts-Boston,Ohio-Columbus,North Carolina-Raleigh,Michigan-Lansing,Maryland-Annapolis,Virginia-Richmond,Iowa-Des Moines,Nevada-Carson City,New Hampshire-Concord,Alabama-Montgomery,Texas-Austin,South Carolina-Columbia,Vermont-Montpelier,New Jersey-Trenton,New York-Albany,Wisconsin-Madison,Colorado-Denver,Indiana-Indianapolis,Missouri-Jefferson City,Georgia-Atlanta,Oklahoma-Oklahoma City,Illinois-Springfield,Utah-Salt Lake City,Mississippi-Jackson,Delaware-Dover,Washington-Olympia,Maine-Augusta,Arkansas-Little Rock,Pennsylvania-Harrisburg,Tennessee-Nashville,Kentucky-Frankfort,Idaho-Boise,Minnesota-St Paul,Rhode Island-Providence,Oregon-Salem,Louisiana-Baton Rouge,Kansas-Topeka Organization: Santander Holdings USA, Inc. Salary: $90,000 - $165,000/year

Santander

Mission