Santander Bank, N.A.
Overview
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. Location : United States of America
Position Summary
Credit Analyst We are looking for future leaders to join Santander’s unique, one year, comprehensive Commercial Credit Training Program. You will start your journey as a Credit Analyst and join other program colleagues for 2 months of intensive classroom training followed by 10 months of rotations. In this role, you will learn critical analytical and communication skills to develop a career with a rapidly growing global financial services firm. Santander Group is one of the top 10 Banks worldwide. The US operation with $155 billion in assets is headquartered in Boston with offices across the United States. The program curriculum is rigorous and provides foundational, technical underwriting skills to prepare you to make an immediate impact on the business. Rotations through our Underwriting & Portfolio Management and Originations teams provide practical experience working in deal teams on live transactions for real clients across Commercial Banking. The program also includes leadership and development training, a speaker series, mentoring and group community volunteering. Following graduation, analysts are placed within a Commercial Banking Underwriting & Portfolio Management team based upon business line need. The Commercial Banking Credit Analyst Program offers exposure to the Executive Leadership Team. You will engage in a high performance culture, with the goal of building lasting loyalty with our clients and developing your career. We seek exceptional candidates with an analytical mindset, intellectual curiosity, communication and teamwork skills ready to play an important role in a fast paced deal team environment to help deliver solutions for our clients.
About Santander Bank
Santander Bank US is a subsidiary of Madrid-based Santander Group, the largest retail and commercial bank in the Eurozone and the #1 financial institution in Latin America. Santander Group operates in over 40 countries. In the United States Santander’s accelerated growth leverages the firm’s world class global capabilities. Commercial Banking Santander’s Commercial Banking Division provides Capital, Treasury Management, and Risk Management solutions to thousands of middle market and mid-corporate companies across the U.S. Santander’s international presence helps companies grow. Industry expertise includes Technology, Media, Telecommunications, Commercial Real Estate, Asset Based Lending, Cash Flow Lending, Leveraged Finance, Equipment Leasing, Automotive Dealer Finance, Food and Beverage, Healthcare, Education, and Government Banking.
Job Requirements & Responsibilities
Requirements
and
Responsibilities Complete the Commercial Credit Training Program curriculum Perform credit analysis and underwriting on new deals, renewals/reviews and modifications verifying compliance with credit policy Conduct due diligence on clients, industries and markets to identify key business drivers and risks Assist in the preparation of valuation and capital structure analysis in conjunction with credit approvals for new and existing clients Assist with legal closing process, preparing, reviewing, and validating documentation, ensuring compliance and conditions are met Communicate with all deal team members including: origination, underwriting, credit risk management, monitoring, and loan closing Monitor and assess client financials, collateral, loan covenants and risk ratings on a periodic basis Assess and formally review client risk through periodic Portfolio Reviews, Internal Audits, External Audits, and ad-hoc reviews Continuously monitor client financials/information to ensure performance to financial plan and compliance with credit agreement Prepare credit approval document and assist deal team in deal screen and approval meetings Prepare customer risk rating and financial statement analysis
Qualifications
Education: Bachelor's Degree, minimum 3.5 cumulative GPA preferred Experience: Demonstrated work ethic and proficiency in academics, internships, extracurricular activities, and relevant leadership positions
Required Skills
Strong intellectual curiosity, ability to ask insightful questions, think critically, problem solve, and probe for deeper understanding Commitment to excellence, high standards, openness to new challenges and learning Strong written and verbal communication Strong work ethic, positive attitude, perseverance, resiliency, and management by fact Ability to prioritize, manage and meet tight deadlines Strong attention to detail Ability to collaborate within a team and work independently Proficiency in Microsoft Word, Excel, PowerPoint
What Else You Need To Know
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. Base Pay Range Minimum: $63,750.00 USD Maximum: $97,500.00 USD
Benefits : Link To Santander Benefits - 2025 Santander OnGoing/NH eGuide (foleon.com)
Risk Culture We embrace a strong risk culture and expect proactive risk management at all levels.
EEO Statement 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 is required. Depending on location, occasional moving and lifting of light equipment may be required.
What To Do Next If this sounds like a role you are interested in, please apply. We are committed to an inclusive and accessible application process. For accommodations, contact TAOps@santander.us.
Primary Location : Boston, MA Other Locations : Massachusetts-Boston Organization : Santander Bank N.A.
Employment Type : Full-time
Job Function : Finance and Sales |
Industries : Banking
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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. Location : United States of America
Position Summary
Credit Analyst We are looking for future leaders to join Santander’s unique, one year, comprehensive Commercial Credit Training Program. You will start your journey as a Credit Analyst and join other program colleagues for 2 months of intensive classroom training followed by 10 months of rotations. In this role, you will learn critical analytical and communication skills to develop a career with a rapidly growing global financial services firm. Santander Group is one of the top 10 Banks worldwide. The US operation with $155 billion in assets is headquartered in Boston with offices across the United States. The program curriculum is rigorous and provides foundational, technical underwriting skills to prepare you to make an immediate impact on the business. Rotations through our Underwriting & Portfolio Management and Originations teams provide practical experience working in deal teams on live transactions for real clients across Commercial Banking. The program also includes leadership and development training, a speaker series, mentoring and group community volunteering. Following graduation, analysts are placed within a Commercial Banking Underwriting & Portfolio Management team based upon business line need. The Commercial Banking Credit Analyst Program offers exposure to the Executive Leadership Team. You will engage in a high performance culture, with the goal of building lasting loyalty with our clients and developing your career. We seek exceptional candidates with an analytical mindset, intellectual curiosity, communication and teamwork skills ready to play an important role in a fast paced deal team environment to help deliver solutions for our clients.
About Santander Bank
Santander Bank US is a subsidiary of Madrid-based Santander Group, the largest retail and commercial bank in the Eurozone and the #1 financial institution in Latin America. Santander Group operates in over 40 countries. In the United States Santander’s accelerated growth leverages the firm’s world class global capabilities. Commercial Banking Santander’s Commercial Banking Division provides Capital, Treasury Management, and Risk Management solutions to thousands of middle market and mid-corporate companies across the U.S. Santander’s international presence helps companies grow. Industry expertise includes Technology, Media, Telecommunications, Commercial Real Estate, Asset Based Lending, Cash Flow Lending, Leveraged Finance, Equipment Leasing, Automotive Dealer Finance, Food and Beverage, Healthcare, Education, and Government Banking.
Job Requirements & Responsibilities
Requirements
and
Responsibilities Complete the Commercial Credit Training Program curriculum Perform credit analysis and underwriting on new deals, renewals/reviews and modifications verifying compliance with credit policy Conduct due diligence on clients, industries and markets to identify key business drivers and risks Assist in the preparation of valuation and capital structure analysis in conjunction with credit approvals for new and existing clients Assist with legal closing process, preparing, reviewing, and validating documentation, ensuring compliance and conditions are met Communicate with all deal team members including: origination, underwriting, credit risk management, monitoring, and loan closing Monitor and assess client financials, collateral, loan covenants and risk ratings on a periodic basis Assess and formally review client risk through periodic Portfolio Reviews, Internal Audits, External Audits, and ad-hoc reviews Continuously monitor client financials/information to ensure performance to financial plan and compliance with credit agreement Prepare credit approval document and assist deal team in deal screen and approval meetings Prepare customer risk rating and financial statement analysis
Qualifications
Education: Bachelor's Degree, minimum 3.5 cumulative GPA preferred Experience: Demonstrated work ethic and proficiency in academics, internships, extracurricular activities, and relevant leadership positions
Required Skills
Strong intellectual curiosity, ability to ask insightful questions, think critically, problem solve, and probe for deeper understanding Commitment to excellence, high standards, openness to new challenges and learning Strong written and verbal communication Strong work ethic, positive attitude, perseverance, resiliency, and management by fact Ability to prioritize, manage and meet tight deadlines Strong attention to detail Ability to collaborate within a team and work independently Proficiency in Microsoft Word, Excel, PowerPoint
What Else You Need To Know
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. Base Pay Range Minimum: $63,750.00 USD Maximum: $97,500.00 USD
Benefits : Link To Santander Benefits - 2025 Santander OnGoing/NH eGuide (foleon.com)
Risk Culture We embrace a strong risk culture and expect proactive risk management at all levels.
EEO Statement 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 is required. Depending on location, occasional moving and lifting of light equipment may be required.
What To Do Next If this sounds like a role you are interested in, please apply. We are committed to an inclusive and accessible application process. For accommodations, contact TAOps@santander.us.
Primary Location : Boston, MA Other Locations : Massachusetts-Boston Organization : Santander Bank N.A.
Employment Type : Full-time
Job Function : Finance and Sales |
Industries : Banking
Referrals increase your chances of interviewing at Santander Bank, N.A. by 2x
Get notified about new Commercial Credit Analyst jobs in Boston, MA.
We’re unlocking community knowledge in a new way. Experts add insights directly into each article, started with the help of AI.
#J-18808-Ljbffr