Santander Bank, N.A.
Overview
Join to apply for the
Commercial Credit Analyst
role at
Santander Bank, N.A. Santander is a global leader in financial services. This program is a one-year, comprehensive Commercial Credit Training Program. You will start as a Credit Analyst with classroom training and rotations designed to develop analytical and communication skills for a career with a growing global financial services firm. Position Summary
The Commercial Banking Credit Analyst Program offers exposure to deal teams on live transactions for clients across Commercial Banking. The program includes leadership and development training, mentoring, and opportunities to work with Underwriting & Portfolio Management and Originations teams. Following graduation, analysts are placed within a Commercial Banking Underwriting & Portfolio Management team based on business needs. Santander Bank US is a subsidiary of Santander Group, a leading global financial institution with operations across the United States and internationally. Responsibilities
Complete the Commercial Credit Training Program curriculum Perform credit analysis and underwriting on new deals, renewals/reviews and modifications, ensuring 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 the 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 to ensure performance to financial plan and compliance with credit agreement Prepare credit approval documents 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 leadership positions Required Skills
Strong intellectual curiosity, critical thinking, problem solving, and the ability to probe for deeper understanding Commitment to excellence and openness to new challenges and learning experiences Strong written and verbal communication skills Strong work ethic, positive attitude, perseverance, resiliency, and data-driven decision making 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 Compensation & Additional Details
Base Pay Range: Minimum $63,750.00 USD – Maximum $97,500.00 USD (annualized, location and experience dependent) Link To Santander Benefits and additional policy information available through official channels. EEO Statement
At Santander, we value and respect differences in our workforce and actively encourage everyone to apply. 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 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 providing an inclusive and accessible application process for all candidates. If you require any 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. AN EQUAL OPPORTUNITY EMPLOYER M/F/Vet/Disabled/SO
#J-18808-Ljbffr
Join to apply for the
Commercial Credit Analyst
role at
Santander Bank, N.A. Santander is a global leader in financial services. This program is a one-year, comprehensive Commercial Credit Training Program. You will start as a Credit Analyst with classroom training and rotations designed to develop analytical and communication skills for a career with a growing global financial services firm. Position Summary
The Commercial Banking Credit Analyst Program offers exposure to deal teams on live transactions for clients across Commercial Banking. The program includes leadership and development training, mentoring, and opportunities to work with Underwriting & Portfolio Management and Originations teams. Following graduation, analysts are placed within a Commercial Banking Underwriting & Portfolio Management team based on business needs. Santander Bank US is a subsidiary of Santander Group, a leading global financial institution with operations across the United States and internationally. Responsibilities
Complete the Commercial Credit Training Program curriculum Perform credit analysis and underwriting on new deals, renewals/reviews and modifications, ensuring 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 the 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 to ensure performance to financial plan and compliance with credit agreement Prepare credit approval documents 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 leadership positions Required Skills
Strong intellectual curiosity, critical thinking, problem solving, and the ability to probe for deeper understanding Commitment to excellence and openness to new challenges and learning experiences Strong written and verbal communication skills Strong work ethic, positive attitude, perseverance, resiliency, and data-driven decision making 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 Compensation & Additional Details
Base Pay Range: Minimum $63,750.00 USD – Maximum $97,500.00 USD (annualized, location and experience dependent) Link To Santander Benefits and additional policy information available through official channels. EEO Statement
At Santander, we value and respect differences in our workforce and actively encourage everyone to apply. 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 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 providing an inclusive and accessible application process for all candidates. If you require any 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. AN EQUAL OPPORTUNITY EMPLOYER M/F/Vet/Disabled/SO
#J-18808-Ljbffr