Santander USA
Middle Office Lending - Commercial & Wholesale Operations, VP
Santander USA, Miami, Florida, us, 33222
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 Difference You Make 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.
Key Responsibilities
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.
Required Qualifications & Experience
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 .
Skills & Competencies
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.
Hybrid Location This is a hybrid position (3 days/week in office) at our Miami, FL location.
Compensation Base Pay Range Minimum: $97,500.00 USD Maximum: $165,000.00 USD
Benefits Santander Benefits – 2025 Santander OnGoing/NH eGuide (foleon.com)
Risk Culture 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.
EEO Statement At Santander, we value and respect differences in our workforce. We 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 for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required.
Employer Rights This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason.
Next Steps If this sounds like a role you are interested in, then 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 us at TAOps@santander.us to discuss your needs.
#J-18808-Ljbffr
The Difference You Make 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.
Key Responsibilities
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.
Required Qualifications & Experience
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 .
Skills & Competencies
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.
Hybrid Location This is a hybrid position (3 days/week in office) at our Miami, FL location.
Compensation Base Pay Range Minimum: $97,500.00 USD Maximum: $165,000.00 USD
Benefits Santander Benefits – 2025 Santander OnGoing/NH eGuide (foleon.com)
Risk Culture 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.
EEO Statement At Santander, we value and respect differences in our workforce. We 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 for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required.
Employer Rights This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason.
Next Steps If this sounds like a role you are interested in, then 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 us at TAOps@santander.us to discuss your needs.
#J-18808-Ljbffr