Portfolio Management Associate - Dealer Commercial Services

Portfolio Management Associate
- Dealer Commercial Services Country:
United States of America

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.

Santander's Dealer Commercial Services ("DCS") delivers integrated capital and banking solutions to automotive dealers nationwide, including floorplan financing, syndicated lending, commercial real estate, treasury, merchant services, and other commercial banking capabilities. The Portfolio Management Associate support DCS by managing dealer relationships, monitoring portfolio performance, assessing risk, and collaborating cross-functionally to support deal structuring and ongoing portfolio oversight.

• Manage dealer relationships and serve as the primary day-to-day servicing contact, responding to inquiries and resolving billing discrepancies and other account issues.
• Maintain loan documentation and financial records in nCino/Doc Man, ensuring accuracy, completeness, and timely portfolio data updates.
• Monitor portfolio performance, covenant compliance, delinquency trends, maturities, and other risk indicators, and elevate material concerns to senior leadership.
• Collect, review, and maintain borrower financial reporting, including monthly, quarterly, and annual submissions.
• Perform financial spreading, ongoing credit analysis, and portfolio-level risk review to support informed decision-making.
• Review daily operational and risk reports, including overdrafts, floorplan overline/UGL, duplicate VINs, and related exceptions, and take appropriate action.
• Coordinate resolution of loan documentation issues, due diligence items, waivers, exceptions, and post-close requirements.
• Support audit activities, floorplan audits, QC/CRR inquiries, lien releases, borrower notices, and other portfolio administration needs.

• Bachelor’s Degree in related field or equivalent demonstrated through a combination of work experience, training, military service, or education
  - Required.
• Master's Degree in related field or equivalent demonstrated through a combination of work experience, training, military service, or education
  - Preferred.

• 5+ years of Risk, Consumer Operations, Internal Controls, or related experience in the Financial Services Industry – Required.
• Experience in commercial lending, floorplan financing, or portfolio management – Preferred.
• Experience working in a fast-paced environment with multiple priorities and strict deadlines.
• Experience supporting dealer-facing servicing, portfolio oversight, credit administration, or related activities.

• Financial analysis and credit analysis.
• Risk assessment and control design to mitigate risk.
• Financial spreading and portfolio monitoring.
• Loan system experience, including nCino or similar platforms.
• Microsoft Office proficiency.
• Strong analytical, problem-solving, and critical thinking skills.
• Excellent written and verbal communication skills.
• Strong organizational skills and attention to detail.
• Ability to multi-task, adapt to changing circumstances, and work with urgency.
• Ability to lead, influence, and build strong internal relationships.
• Strong project management skills.

Certifications:

No Certifications listed for this job.

• Established work history or equivalent demonstrated through a combination of work experience, training,…