Qureos Mentor

Santander Holdings USA Inc

Corporate Credit Underwriting Associate - Securitized Lending / Residential Warehouse FinanceCountry: United States of AmericaYour 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.An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You!The Difference You Make:Responsible for underwriting and pro-active portfolio management of a portfolio of RWF transactions. Reporting to the SPG Underwriting and Portfolio Management (U&PM) team Manager.Apply Bank's Credit policies and framework in support of risk management and business development.Build strong relationships throughout the Bank. The main partner is the Structure Product Group / RWF product team. Other relevant partners in the bank are Credit, Relationship, and Legal Partners. Support U&PM Manger on special projects.Responsibilities:<ul><li>Responsible for underwriting new RWF transactions to assist in the growth of the RWF portfolio.</li><li>Responsible for the quality, integrity and soundness of all credit analysis and underwriting, and proposing appropriate risk ratings in accordance with the Bank's credit policies and guidelines.</li><li>Responsible for making recommendations on renewals, modifications, and new transactions.</li><li>Maintain credit files in accordance with policy.</li><li>Manage credit approval process. Prepare presentations for credit committees. Respond to questions as they arise.</li><li>Work closely with and support product team in transaction execution. Coordinate with the corporate credit team and RM on relationship implications for RWF deals.</li><li>Review and validate cash flow models for new transactions and perform stress test analysis.</li><li>Have thorough knowledge of credit policies and procedures and ensure adherence to them. Proactively propose amendments to RWF policy to improve efficiency while remaining compliant with the wider bank policy.</li><li>Ensure regulatory and legal compliance is achieved on RWF transactions.</li><li>Perform ongoing portfolio monitoring of RWF transaction performance (including performance triggers) to identify and anticipate credit issues in a timely fashion. </li><li>Stay current on industry developments, update management as necessary, and propose rating changes when necessary to appropriately reflect credit quality of RWF transactions in the portfolio at all times.</li><li>Support RWF Manager on special projects.</li></ul>What You Bring: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.Qualifications/Education<ul><li>Bachelor's degree in Business Administration, Accounting, Finance, Economics or equivalent work experience. Quantitative background is a plus.</li><li>2 to 6 years' experience.</li></ul>Specialized Knowledge/Technical Skills<ul><li>Strong technical and analytical skills.</li><li>Strong attention to detail and organizational skills.</li><li>Knowledge of applicable laws and industry data sources.</li><li>Demonstrated experience working with multiple asset classes.</li><li>Deep knowledge of RWF cash flow models.</li><li>Understanding of legal documentation for ABS transactions.</li><li>Completion of a formal credit training program would be a plus.</li><li>Demonstrated track record of managing and leading transactions, within a team environment to manage, monitor and grow portfolio.</li><li>Ability to work well with others at all levels of the organization to obtain cooperation and to foster a business environment that is based upon mutual respect and teamwork.</li><li>Ability to work independently as needed to achieve objectives.</li><li>Knowledge of credit policies, procedures, regulations and applicable law.</li><li>Excellent written/verbal communication and interpersonal skills.</li><li>Proficiency in Microsoft software package, Word, Powerpoint, Excel & Outlook.</li><li>Programing skills would be a highly values plus.</li></ul>Certifications:<ul><li>Other: Completion of bank-certified course in Credit Training - Preferred.</li></ul>It Would Be Nice For You To Have:<ul><li>Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.</li><li>Experience in Microsoft Office products.</li></ul> 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: $108,750.00 USD Maximum: $175,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide () 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. What To Do Next :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 to discuss your needs. Primary Location: New York, NY, Madison Ave Corp Other Locations: New York-New York Organization: Banco Santander S.A.

Corporate Credit Underwriting Associate - Securitized Lending / Residential Warehouse Finance

Pricing & Credit Model Analyst (Hybrid Position)Country: United States of AmericaYour 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.An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You!Job DescriptionThe Difference You Make: The Sr. Specialist, Pricing & Credit Model Analyst is responsible for developing pricing and risk-based models to optimize Auto loan pricing strategies . This role also involves development and maintenance of sophisticated empirical models - including credit scoring models. The position is highly quantitative in nature and requires an individual capable of taking a "hands-on" approach to data analysis. You will work closely with credit risk, finance, data science, and product teams to deliver actionable insights that balance risk, profitability, and competitiveness. This position blends strategic business problem solving with quantitative modeling expertise. You will work closely with leadership to translate complex data insights into clear business actions. <ul><li>Develops a thorough understanding of the firm's operations and business practices.</li><li>Applies statistical techniques to analyze trends and uncover risks and opportunities relative to portfolio management and originations.</li><li>Utilizes data mining and statistical techniques to develop analytic insights, sound hypotheses, and informed recommendations.</li><li> Develop pricing frameworks that balance yield, risk, and volume objectives . Incorporate credit risk, customer behavior, collateral trend and market data into pricing algorithms.</li><li> Develop actionable recommendations to improve underwriting strategy, portfolio performance, and credit policies. </li><li>Explore opportunity to enhance Dealer Management program to grow our business with top-performing partners.</li><li>Participates in the construction of complex mathematical models - including credit origination and customer behavior scorecards - which directly support critical decision-making processes.</li><li> Contribute to continuous process improvements in data quality, reporting, and automation. </li><li>Liaisons with IT and other internal teams to define requirements and ensure the timely and accurate delivery of data elements for analytic projects, changes to Pricing & Policy.</li><li>Encapsulates analytic findings into executive-level summary documents to support senior management decision-making.</li></ul> What You Bring: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Bachelor's Degree or equivalent work experience: Statistics, Economics, Operations Research, Applied Mathematics, or a related quantitative discipline required or equivalent experience - Required. Master's Degree Statistics, Economics, Operations Research, Applied Mathematics, or a related quantitative discipline required or equivalent experience. - Preferred. Ph.D. Statistics, Economics, Operations Research, Applied Mathematics, or a related quantitative discipline required or equivalent experience - Preferred. 3+ Years Analytics in Financial Services Industry or equivalent. - Required. 3+ Years Indirect subprime Auto Financial Services Industry experience. - Preferred. 3+ Years Prior experience developing credit scoring models preferred. - Preferred.<ul><li>Familiarity with logistic regression models, segmentation and variable reduction techniques, hypothesis testing, neural networks, design of experiments, ANOVA, decision trees, and linear regression.</li><li>Prior experience working with credit bureau data preferred.</li><li>Demonstrated ability to use SQL and SAS to extract data from multiple data sources. Working knowledge of Python/R preferred.</li><li>Demonstrated ability to merge, concatenate, and prepare extremely large datasets for statistical analysis and mathematical model development.</li><li>Demonstrated ability to create complex pivot tables in MS Excel.</li><li>Ability to effectively explain advanced mathematical concepts, techniques, and analyses to a business audience.</li><li>Ability to translate analysis into a clear business plan.</li><li>Strong written and verbal communication skills.</li><li>Ability to maintain confidentiality.</li></ul> 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. Location: Dallas, Texas. Hybrid role requiring up to 3 days/week in the office. 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: $67,500.00 USD Maximum: $140,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide () 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. What To Do Next :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 to discuss your needs. Primary Location: Dallas, TX, Dallas Other Locations: Texas-Dallas Organization: Santander Consumer USA Inc.

Pricing & Credit Model Analyst (Hybrid Position)

Business Control & Risk Management, VP Country: United States of America 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. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! The Difference You Make: Operates within the First Line of Defense and is accountable to assist the Business Control & Risk Management team in driving effective and consistent business line execution against the Enterprise Risk Management Framework. The incumbent is expected to champion the Business Control mandate as a critical business partner guiding stakeholders to embed risk management practices in the 1st line. The Sr. Associate serves as a subject matter expert by advising and guiding risk initiatives such as risk assessments, KRI/KPI development and monitoring, working with the business line to proactively self-identify issues, and ensure on-time remediation of issues. Must be able to effectively collaborate with various stakeholders while influencing strategic goals.<ul><li> Drive Risk Culture: Ensure awareness in the Business Line of risk frameworks, policies and standards.</li><li> Communication & Training: Maintain two way communications with SLoD. Facilitate training for Business Lines to provide awareness of risk frameworks, policies, programs, processes, etc.</li><li> Adherence to Risk Frameworks, Policies, and Standards: Partner with SLoD to provide input/review of frameworks, policies and standards. Facilitate Business Line awareness of and adherence to risk frameworks, policies, and standards. Report and escalate exceptions and facilitate Business Line corrective actions.</li><li> Continuous Monitoring: Continuously monitors all sources of risk existing within the Business Line and externally. Engage in research, peer networking, and experience to anticipate critical risk issues impacting the Business Line. Understand where credit, market/liquidity, operational, strategic, reputational, compliance, and model risks exist in the Business Line and continually assess and improve controls to mitigate those risks. Monitor Key Risk Indicators and report on negative/adverse trends in Business Line. Monitor risk profile to maintain tolerance within Risk Appetite.</li><li> Issue Identification, Management, and Risk Assessment: Conduct RCSA responsibilities including Process Mapping, Risk & Control Matrices, Inherent Risk Assessments, Internal Control testing and Heracles data/input. Engage and hold Business Line process owners accountable to identify and assess risks. Support Business Lines in risk identification (e.g. NPBA, change management, etc.) Ensure all issues (Self-Identified, IA, Credit Risk Review or Regulatory) pertaining to the Business Line are resolved within established timelines. Validate issues to ensure Business Line remediation is sufficient to address root cause and prevent recurrence.</li><li> Internal Control Testing: Implement and maintain internal control testing and control effectiveness monitoring in the Business Line. Validate the adequacy of controls, escalate deficiencies as appropriate. Identify root causes of control deficiencies/weaknesses and take appropriate action to ensure Business Lines remediate and prevent recurrence.</li><li> Exam Management: Liaison with the Business Line for all exam related activities including regulatory, Internal Audit and Credit Risk Review. Review materials, responses and validate Business Line remediation work (e.g. artifacts, action plans, etc.).</li><li> Manage and execute risk related activities and routines as part of the following operational risk programs: Risk and Control Self-Assessment (RCSA), Issues Management, Scenario Analysis, Top Risk, Material Risk Program, Event Escalation, Loss Management and Application Inherent Risk Assessment.</li></ul> What You Bring: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.<ul><li> Bachelor's Degree or equivalent work experience: Accounting, Business, Statistics, Risk Management, Information Systems, Finance, Economics or equivalent field. - Required.</li><li> Master's Degree: Accounting, Business, Statistics, Risk Management, Information Systems, Finance, Economics or equivalent field. - Preferred.</li></ul><ul><li> 9+ Years Risk Management, Internal Controls, Auditing, Credit Management, relevant line of business experience and/or legal or regulatory experience. - Required.</li><li> 5+ Years Business Unit. - Required.</li></ul><ul><li> Demonstrated experience executing risk projects across multiple business lines offering a wide variety of financial services products and services.</li><li> Advanced knowledge of the financial services sector, particularly with the competitive dynamics and products in retail banking and risk management.</li><li> Demonstrated thought leadership and application of operational risk identification and mitigation practices and procedures.</li><li> Advanced understanding of the regulatory environment and how the risks of the products and services the bank offers are viewed by the Second Line of Defense and regulators.</li><li> Demonstrated judgement in escalation, ensuring risk-based clear line of sight for senior executives into existing and emerging issues/incidents.</li><li> Ability to build credibility with, collaborate with, and influence line of business executives.</li><li> Excellent analytical and complex problem solving skills.</li><li> Superior project management skills.</li><li> Ability to constructively work both independently and in collaborative environments involving all levels of management and employees.</li><li> Ability to collaborate with internal and external service providers to establish resource requirements, scheduling, assignments and service levels.</li><li> Ability to anticipate the impact of regulatory and other environmental factors and proactively take action to ensure the team/function/enterprise is prepared.</li><li> Ability to build internal and external networks of information resources within the risk management ecosystem.</li><li> Strong understanding of BSA/AML and OFAC regulations, regulatory expectations and industry leading practices.</li><li> Ability to work with limited oversight from manager.</li><li> In depth research and analysis skills for more complex and critical data, interpret and communicate industry trends.</li></ul> Certifications:<ul><li> Other: Risk Certification - Preferred.</li></ul> It Would Be Nice For You To Have:<ul><li> Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.</li><li> Experience in Microsoft Office products.</li></ul> This is a hybrid position in Miami, FL 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: $86,250.00 USD Maximum: $155,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide () 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. What To Do Next : If this sounds like a role you are interested in, then please apply. . click apply for full job details

Business Control & Risk Management, VP

Structured/Project Finance - Underwriting & Portfolio Management AssociateCountry: United States of AmericaYour 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.An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You!The Difference You Make: The Associate, Underwriting & Portfolio Management will be responsible for managing the Underwriting & Portfolio Management of a defined portfolio of Structured Finance transactions. The Portfolio is comprised of Project Finance and Fund Finance loans.This position will work closely with the 1LoD product teams to present and defend business opportunities to the 2nd Line of Defense. The candidate will manage the business relationship with risk and ensure all required portfolio management tasks are completed.Responsibilities: Communicates portfolio trends, risks and mitigants to senior leadership. Develops and manages portfolio information needed to accommodate sound risk management, economic and regulatory reporting requirements. Leads underwriting, structuring and closing of amendments, upsizes and extensions, as needed, including annual reviews and credit approval memos. Develop credit recommendations which include clear views of credit structures and borrower's risks. Lead the financial modelling of complex structured corporates, including the impacts of complex transactions including mergers, acquisitions and divestitures. Supports junior development through building strong relationships with the team as a mentor as needed. Collaborates with product team members prior to loan closing on approval memos, legal documentation, collateral review and funding approvals. Manages and controls risks throughout the post-closing credit process to ensure strong borrower performance. Monitors and enforces terms of loan agreement / documents. Identifies and establishes best practices policies and procedures. Manages other Portfolio Management functions, including collaborating with new business team on up-front and ongoing client due diligence, etc. Leads and/or provides valuable input for broader business initiatives, projects and goals.What You Bring: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.Education:Bachelor's Degree or equivalent work experience in Finance, Accounting, Management, Economics or equivalent field. (Required)CFA Charter and/or MBA (Preferred)Work Experience:Financial analysis, structuring, underwriting and portfolio management. Experience with infrastructure companies, and/or project finance loans (preferably renewable energy - wind, solar, etc) Skills and Abilities: Proficient communicator (orally and in writing) with clients, peers and fellow associates Proficient with Microsoft Office applications Ability to work and interact with various departments Ability to work in a fast-paced, sometimes stressful, environment with many critical deadlines Thorough knowledge and understanding of Structured Finance loan products and servicesCertifications:<ul><li>Other: Completion of bank-certified course in Credit Training - Preferred.</li></ul>It Would Be Nice For You To Have:<ul><li>Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.</li><li>Experience in Microsoft Office products.</li></ul> 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: $78,750.00 USD Maximum: $122,500.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide () 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. What To Do Next :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 to discuss your needs. Primary Location: New York, NY, Madison Ave Corp Other Locations: New York-New York Organization: Banco Santander S.A.

Structured/Project Finance - Underwriting & Portfolio Management Associate

USA Underwriting & Portfolio Management IC6-3Country: United States of AmericaYour 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.An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You!The Difference You Make: The main function of the CIB Underwriting & Portfolio Management - IC6 is to assist the Underwriter(s) in analyzing, processing and packaging commercial loans. <ul><li>Collects, packages, reviews and reconciles loan application documents including financial/credit exhibits under various underwriting programs.</li><li>Orders and performs the preliminary review of all third party reports (appraisal, inspection and environmental) for compliance with guidelines.</li><li>Analyzes, interprets and underwrites complex transactions in compliance with respective agency guidelines.</li><li>Conducts detailed economic and demographic research to determine feasibility of transactions.</li><li>Assists the underwriter in preparing and presenting comprehensive loan approval package to credit committee.</li><li>Conducts inspections of physical assets.</li></ul> What You Bring: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.<ul><li>Bachelor's Degree or equivalent work experience: Finance, Accounting, Management, Economics or equivalent field. - Required.</li></ul><ul><li>3+ Years Related experience and/or training. - Required.</li></ul><ul><li>Excellent written and verbal communication skills.</li><li>Strong analytical skills and proficient with financial statements.</li><li>Ability to work in a fast paced environment with little supervision.</li><li>Ability to work well with others and on teams.</li><li>Demonstrated proficiency in Microsoft Office, including Word, Excel and PowerPoint.</li><li>Demonstrates strong judgment and sound credit skills.</li><li>Knowledge of Federal banking regulations.</li></ul> Certifications:<ul><li>No Certifications listed for this job.</li></ul> It Would Be Nice For You To Have:<ul><li>Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.</li><li>Experience in Microsoft Office products.</li></ul> 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: $82,500.00 USD Maximum: $135,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide () 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. What To Do Next :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 to discuss your needs. Primary Location: New York, NY, Madison Ave Corp Other Locations: New York-New York Organization: Banco Santander S.A.

USA Underwriting & Portfolio Management IC6-3

Dealer Commercial Services Underwriting ManagerCountry: United States of AmericaYour 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.An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You!The Difference You Make: The Underwriting Manager is responsible for overseeing the underwriting of individual loans and assisting in the monitoring and control of individual loan portfolios for Dealer Commercial Services. In addition, the incumbent is responsible for ensuring the loans are underwritten and structured in accordance with loan and credit policies, as well as supporting the loan production teams. <ul><li>Ensures loans are in compliance with applicable credit & underwriting policies.</li><li>Facilitates structuring of loans.</li><li>Reviews credit approval memos for completeness, accuracy, and detail. Provides feedback as appropriate.</li><li>Provides guidance and support on loan structure to loan production team.</li><li>Conducts on-site inspections as appropriate and coordinate with various vendors.</li><li>Develops strategies that align with business goals in the areas of staffing, optimization, accuracy, credit policy, collections and compliance.</li><li>Tracks and drives forward key performance metrics around verification of application information, underwriting standards, and consistency with credit policy.</li><li>Manages, coaches, and trains individual contributors across credit underwriting teams.</li><li>Manages underwriting operations procedures/ processes and exhibits a sense of urgency towards meeting applicant requests while also meeting acceptable risk parameters.</li></ul> What You Bring: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.<ul><li>Bachelor's Degree or equivalent work experience: Finance, Accounting, Management, Economics or equivalent field. - Required.</li><li>Master's Degree: Finance, Accounting, Management, Economics or equivalent field. - Preferred.</li></ul><ul><li>9+ Years Underwriting experience within a lending organization - online, credit card and/or installment loans preferred. - Required.</li></ul><ul><li>Ability to shift gears at a moment's notice and enjoy the challenges of scaling up operations in a fast-paced environment is a must.</li><li>Knowledge of underwriting and experience with all underwriting procedures.</li><li>Ability to effectively present information and respond to questions from groups or managers, members, and general public.</li><li>Excellent member service skills.</li><li>Detail oriented, common sense decision-making; above average oral, written and communications skills.</li><li>Ability to define problems, collect data, establish facts, and draw valid conclusions.</li><li>Ability to work with mathematical concepts, such as profitability and statistical inference. Ability to apply concepts, such as fractions, percentages, ratios and proportions, to practical situations.</li></ul> Certifications:<ul><li>No Certifications listed for this job.</li></ul> It Would Be Nice For You To Have:<ul><li>Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.</li><li>Experience in Microsoft Office products.</li></ul> 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: $120,000.00 USD Maximum: $200,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide () 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. What To Do Next :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 to discuss your needs. Primary Location: Dallas, TX, Dallas Other Locations: Texas-Dallas Organization: Santander Bank N.A.

Dealer Commercial Services Underwriting Manager

Retail Bank and Transformation Sr. Analyst - FP&A, Boston MACountry: United States of AmericaYour 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.An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! The Difference You Make: Generates forecasts and analyzes trends in revenue-generating organizations, finance and other areas of business for financial and strategic planning purposes. Conducts financial and economic analysis and forecasting and evaluates alternate financial plans. Prepares, analyzes, interprets and maintains internal and external information related to economic policy, rates of return, depreciation, investments and operational and financial results. Analyzes profit-and-loss income statements and prepares reports on findings to make budgeting and cost recommendations to management. Essential Functions/Responsibilty Statements: Assists in the day-to-day preparation of financial planning, reporting, analytics, modeling, etc. Follows standardized operating procedures and practices, conducts or assists in the documentation of simple financial analysis projects. Analyzes key data during the execution of organizational projects aimed at improving efficiency and/or increase the Company's operating quality standards. Conducts research and analysis to provide management throughout the company with definitive financial data and advice for their use in setting and realizing profit objectives. What You Bring: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education: Bachelor's Degree or equivalent work experience Work Experience: 2-6 years ; Financial planning, Financial analysis, Budgeting, or similar field, preference for prior experience supporting the financials for a credit card portfolio It Would Be Nice For You To Have: Excellent communications and organizational skills. Detail oriented with ability to research, organize and analyze financial data. Ability to focus on details. Proficient data entry skills; Microsoft Office (Word, Excel, Access). Strong verbal and written communication skills. Basic knowledge of financial analysis and budgeting procedures. Ability to work well with teams as well as independently.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. Occasional moving and lifting equipment and furniture is required to support onsite and offsite meeting setup and teardown. Physically capable of lifting up to fifty pounds, able to bend, kneel, climb ladders. Employer Rights: 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 at any time for any reason. 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: $56,250.00 USD Maximum: $97,500.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide () 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. What To Do Next :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 to discuss your needs. Primary Location: Boston, MA, Boston Other Locations: Massachusetts-Boston Organization: Santander Bank N.A.

Retail Bank and Transformation Sr. Analyst - FP&A, Boston MA

Join Santander Holdings USA Inc and explore 9   exciting career opportunities. They're hiring for various roles with options for remote or on-site work. Apply today and become part of their innovative team.