SCIB Portfolio Manager, VP - CIB Lending

It Starts Here

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.

Country:
United States of America

• Credit Monitoring and Reviews:
  Prepare, coordinate, and/or review quarterly and annual credit reviews for assigned portfolio names, including financial performance, rating considerations, risk trends, covenant compliance, collateral status and sector developments.
• Perform or oversee credit spreading, financial analysis, variance analysis, leverage/liquidity analysis and borrower performance updates.
• Support rating reviews, watchlist recommendations, exposure analysis and escalation of credit deterioration or emerging risks.
• Covenant, Collateral and Documentation Monitoring:
  Monitor financial and non‑financial covenants, reporting requirements, borrowing base certificates, collateral deliverables, insurance requirements, financial statements and other ongoing obligations.
• Track exceptions, waivers, missing deliverables, collateral shortfalls, covenant breaches and post‑close items through remediation.
• Coordinate with Agency, Transaction Management, Legal, Operations and Servicing to ensure ongoing obligations are captured and maintained.
• Amendments, Waivers and Lifecycle Events:
  Support amendments, waivers, consents, extensions, repricings, restructurings and other lifecycle events through credit analysis, approval coordination and implementation tracking.
• Assess whether changes require new approvals, rating updates, documentation amendments, covenant changes, collateral updates, system updates or control escalation.
• Partner with Transaction Management to ensure approved amendments are reflected accurately in documentation, systems and monitoring tools.
• Portfolio Reporting and Governance:
  Prepare portfolio reporting, KPIs, KRIs, management updates, issue logs and control evidence for senior management, Credit, Risk, Audit and regulatory stakeholders.
• Monitor portfolio trends across Infrastructure Finance, Structured Finance, Leveraged Finance, IG and GTB exposures, including concentrations, exceptions, ratings, covenants and collateral indicators.
• Participate in governance forums and support remediation plans related to portfolio monitoring and credit administration.
• Stakeholder Collaboration and Process Improvement:
  Work closely with Front Office, Credit, Risk, Agency, Legal, Operations, Transaction Management, Finance and Technology to support a coordinated lifecycle management process.
• Mentor associates and analysts and help develop procedures, portfolio monitoring standards, training materials and quality control routines.
• Identify opportunities to improve financial spreading, covenant tracking, collateral monitoring, data quality and management reporting.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Completion of bank‑certified course in Credit Training – required.

• Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.

Applicants must be legally authorized to work in the United States on a full‑time basis without requiring employer sponsorship to commence employment.

Base Pay Range: $ USD – $ USD.

Your contribution matters and it’s recognized. You can expect a fair and competitive rewards package that reflects the impact you create and the value you deliver. Santander provides benefits to support you, your family and your well‑being, now and into the future.

We embrace a strong risk culture and expect all…