POSITION SUMMARY – CREDIT ANALYST

We are looking for future leaders to join Santander’s unique, one year, comprehensive Commercial Credit Training Program. You will start your journey as a Credit Analyst and join other program colleagues for 2 months of intensive classroom training followed by 10 months of rotations. In this role, you will learn critical analytical and communication skills to develop a career with a rapidly growing global financial services firm. Santander Group is one of the top 10 Banks worldwide. The US operation with $155 billion in assets is headquartered in Boston with offices across the United States.
The program curriculum is rigorous and provides foundational, technical underwriting skills to prepare you to make an immediate impact on the business. Rotations through our Underwriting & Portfolio Management and Originations teams provide the practical experience working in deal teams on live transactions for real clients across Commercial Banking. The program also includes an array of leadership and development training, a speaker series, mentoring and group community volunteering. Following graduation, analysts are placed within a Commercial Banking Underwriting & Portfolio Management team based upon business line need.
The Commercial Banking Credit Analyst Program offers unparalleled exposure to the Executive Leadership Team. Working at Santander you will engage in a high performance culture, with the goal of building lasting loyalty with our clients and developing your career. We seek exceptional candidates with an analytical mindset, intellectual curiosity, communication and teamwork skills ready to play an important role in a collaborative, fast paced deal team environment to help deliver solutions for our clients.

QUALIFICATIONS

Education: Bachelor’s Degree, minimum 3.5 cumulative GPA preferred
Experience: Demonstrated work ethic and proficiency in both academics, internships, extracurricular activities, and relevant leadership positions
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REQUIRED SKILLS

Strong intellectual curiosity, with the demonstrated ability to ask insightful questions, think critically, problem solve, and probe for deeper understanding
Commitment to excellence, exhibits high standards, open to new challenges and learning experiences
Strong written and verbal communicator with the ability to offer opinions and share perspective in a professional setting
Possesses a 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
At Santander, we value and respect differences in our workforce and strive to
increase the diversity of our teams. We actively encourage everyone to apply.
www.santander.com

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: $63,750.00 USD
Maximum: $97,500.00 USD

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.

JOB REQUIREMENTS & RESPONSIBILITIES

Graduation from the Program requires passing all requisite examinations, individual and group assessments during the classroom training, and all continuous education.

CREDIT ANALYSTS WILL HAVE THE FOLLOWING RESPONSIBILITIES:

1. Complete the Commercial Credit Training Program curriculum
2. Perform credit analysis and underwriting on new deals, renewals/reviews and
   modifications verifying compliance with credit policy
3. Conduct due diligence on clients, industries and markets to identify key
   business drivers and risks
4. Assist in the preparation of valuation and capital structure analysis in
   conjunction with credit approvals for new and existing clients
5. Assist with legal closing process, preparing, reviewing, and validating
   documentation, ensuring compliance and conditions are met
6. Communicate with all deal team members including: origination, underwriting, credit risk management, monitoring, and loan closing
7. Monitor and assess client financials, collateral, loan covenants and risk
   ratings on a periodic basis
8. Assess and formally review client risk through periodic Portfolio Reviews,
   Internal Audits, External Audits, and ad-hoc reviews
9. Continuously monitor client financials/information to ensure performance to
   financial plan and compliance with credit agreement
10. Prepare credit approval document and assist deal team in deal screen and
    approval meetings
11. Prepare customer risk rating and financial statement analysis