Santander Bank, N.A.
Overview
Commercial Credit Analyst role at Santander Bank, N.A. This is part of Santander's one year Commercial Credit Training Program. You will start as a Credit Analyst with 2 months of intensive classroom training followed by 10 months of rotations. The program provides foundational, technical underwriting skills and practical experience working in deal teams on live transactions for real clients across Commercial Banking. Following graduation, analysts are placed within a Commercial Banking Underwriting & Portfolio Management team based upon business line need. The program offers leadership and development training, a speaker series, mentoring and group community volunteering. Santander Group is a large global bank with US operations headquartered in Boston, with offices across the United States. Job Requirements & Responsibilities
Graduation from the Program requires passing all requisite examinations, individual and group assessments during the classroom training, and all continuous education. 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, with the 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 experiences Strong written and verbal communication skills in a professional setting 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 Base Pay and Benefits
The base pay range is posted below and represents the annualized salary range. For hourly positions, the range is based on a 40-hour work week. Exact compensation may vary based on skills, experience, training, licensure and location. Base Pay Range: Minimum $63,750.00 USD – Maximum $97,500.00 USD Link To Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide (foleon.com) EEO and Working Conditions
EEO: 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 is required. Depending on location, occasional moving and lifting light equipment may be required. What To Do Next
If this sounds like a role you are interested in, please apply. Santander is committed to an inclusive and accessible application process. If you require assistance or accommodation due to a disability or any other reason, please contact TAOps@santander.us to discuss your needs. Primary Location:
Boston, MA Other Locations:
Massachusetts-Boston Organization:
Santander Bank N.A. Employer Rights:
This description does not list all duties and is subject to revision. Employment is at-will.
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Commercial Credit Analyst role at Santander Bank, N.A. This is part of Santander's one year Commercial Credit Training Program. You will start as a Credit Analyst with 2 months of intensive classroom training followed by 10 months of rotations. The program provides foundational, technical underwriting skills and practical experience working in deal teams on live transactions for real clients across Commercial Banking. Following graduation, analysts are placed within a Commercial Banking Underwriting & Portfolio Management team based upon business line need. The program offers leadership and development training, a speaker series, mentoring and group community volunteering. Santander Group is a large global bank with US operations headquartered in Boston, with offices across the United States. Job Requirements & Responsibilities
Graduation from the Program requires passing all requisite examinations, individual and group assessments during the classroom training, and all continuous education. 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, with the 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 experiences Strong written and verbal communication skills in a professional setting 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 Base Pay and Benefits
The base pay range is posted below and represents the annualized salary range. For hourly positions, the range is based on a 40-hour work week. Exact compensation may vary based on skills, experience, training, licensure and location. Base Pay Range: Minimum $63,750.00 USD – Maximum $97,500.00 USD Link To Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide (foleon.com) EEO and Working Conditions
EEO: 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 is required. Depending on location, occasional moving and lifting light equipment may be required. What To Do Next
If this sounds like a role you are interested in, please apply. Santander is committed to an inclusive and accessible application process. If you require assistance or accommodation due to a disability or any other reason, please contact TAOps@santander.us to discuss your needs. Primary Location:
Boston, MA Other Locations:
Massachusetts-Boston Organization:
Santander Bank N.A. Employer Rights:
This description does not list all duties and is subject to revision. Employment is at-will.
#J-18808-Ljbffr