Middle Office Lending - Commercial & Wholesale Operations, 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.

The Vice President – Middle Office Lending, Commercial & Wholesale Operations plays a critical role in supporting multiple Lending Product Teams across loan closing, distribution, and full lifecycle management activities. This includes interpreting credit agreements, establishing loan structures within internal systems, confirming approvals and regulatory adherence, and performing complex calculations, reconciliations, and remediations across commercial loan, supply chain finance, and letter of credit products.

The VP is a key liaison for internal partners and clients, maintaining strong relationships and ensuring seamless execution throughout new loan origination, modifications, and extensions.

• Provide daily leadership and guidance for the Middle Office team in the absence of the manager.
• Collaborate with front-office, credit, legal, and back-office teams to ensure flawless execution of transactions.
• Perform a variety of non-routine and complex Middle Office tasks that support lending delivery and product lifecycle execution.
• Serve as a subject matter expert, offering procedural knowledge and support to less experienced staff.
• Resolve issues escalated by junior team members and independently manage complex loan closings.
• Research and address sophisticated questions to determine the best course of action and ensure accuracy and compliance.
• Train new employees on systems, procedures, workflows, and best practices.
• Identify opportunities for workflow enhancements and propose updates to policies and procedures.
• Represent the Middle Office in governance forums, issue remediation meetings, operational risk discussions, and audits.
• Perform additional responsibilities requiring advanced expertise and judgment.

• Bachelor’s degree in Business or related field, or equivalent professional experience.
• 7+ years of experience in commercial lending support or Middle Office functions.
• Strong expertise in Syndicated and Commercial Lending products and markets, including loans, supply chain finance, and letters of credit.
• Ability to review and interpret legal documentation for these products.
• Solid understanding of banking regulations and standard market practices.
• In-depth knowledge of initiatives aimed at streamlining and automating Middle Office processes
  .

• Excellent written and verbal communication skills
  , with the ability to explain complex concepts clearly and concisely.
• Strong organizational skills
  , attention to detail, and the ability to consistently meet deadlines.
• High proficiency in Microsoft Office Suite
  , workflow tools, and lending systems; experience with AI tools is helpful.
• Ability to adapt quickly
  , collaborate effectively, and contribute to a high-performing team environment.
• Comfortable working in an evolving environment with shifting priorities and new technologies.
• Demonstrated ability to assess workflows, recommend improvements, and help implement structural or procedural changes.

This is a hybrid position (3 days/week in office) at our Miami, FL location.

Base Pay Range Minimum: $97,500.00 USD Maximum: $ USD

Santander Benefits – 2025 Santander OnGoing/NH eGuide ()

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.

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