Santander Bank, N.A.
Middle Office Lending - Commercial & Wholesale Operations, VP
Santander Bank, N.A., Miami, Florida, us, 33222
Middle Office Lending - Commercial & Wholesale Operations, VP
We are looking for a Vice President to support multiple lending product teams across loan closing, distribution, and full lifecycle management activities. This role involves interpreting credit agreements, establishing loan structures within internal systems, confirming regulatory adherence, and performing complex calculations, reconciliations, and remediations across commercial loan, supply chain finance, and letter of credit products.
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.
What You Bring
Bachelor's Degree or equivalent work experience in Business or a related field.
9+ years of experience managing commercial relationships.
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.
Certifications No Certifications listed for this job.
It Would Be Nice For You To Have
Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.
Experience in Microsoft Office products.
Hybrid Work Arrangement This is a hybrid position (3 days per week in the office) located in Miami, FL.
Base Pay Range
Minimum: $97,500.00 USD
Maximum: $165,000.00 USD
Benefits Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide
Risk Culture We embrace a strong risk culture and expect all professionals 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 character 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 and or furniture may be required.
Employer Rights This job description does not list all of the job duties. You may be asked to perform other duties. This description may be revised at any time. It is not a contract of employment.
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 assistance or accommodation due to a disability or any other reason, contact TAOps@santander.us.
Primary Location Coconut Grove, FL (Miami Coconut Grove Corp)
Other Locations Florida - Coconut Grove
Organization Banco Santander S.A.
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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.
What You Bring
Bachelor's Degree or equivalent work experience in Business or a related field.
9+ years of experience managing commercial relationships.
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.
Certifications No Certifications listed for this job.
It Would Be Nice For You To Have
Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.
Experience in Microsoft Office products.
Hybrid Work Arrangement This is a hybrid position (3 days per week in the office) located in Miami, FL.
Base Pay Range
Minimum: $97,500.00 USD
Maximum: $165,000.00 USD
Benefits Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide
Risk Culture We embrace a strong risk culture and expect all professionals 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 character 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 and or furniture may be required.
Employer Rights This job description does not list all of the job duties. You may be asked to perform other duties. This description may be revised at any time. It is not a contract of employment.
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 assistance or accommodation due to a disability or any other reason, contact TAOps@santander.us.
Primary Location Coconut Grove, FL (Miami Coconut Grove Corp)
Other Locations Florida - Coconut Grove
Organization Banco Santander S.A.
#J-18808-Ljbffr