15h Left: C&I Underwriter & Portfolio Manager
Company: Santander Holdings USA Inc
Location: Conshohocken
Posted on: July 10, 2025
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Job Description:
C&I Underwriter & Portfolio Manager 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! Underwrites risk (i.e.,
selection/rejection of new and renewal business). Analyzes quality
and quantity of risks underwritten and prepares reports
accordingly. Administers and monitors underwriting rules and
guidelines, rating manual rules, laws and regulations. May review
books of business as well as profit/growth results and trends to
recommend and implement action plans. Essential
Functions/Responsibilities: Underwrites Middle Market C&I
transactions. Manages and services a portfolio of existing loan
relationships. Expands and builds relationships with a high degree
of resultant customer satisfaction. Ensures financial statements
are spread and analyzed, addressing industry risks, monitoring
collateral requirements, loan structuring and pricing, credit
analysis, monitoring credit performance and assisting with loan
presentations. Handles reporting on loans such as past dues,
documentation and collateral exceptions, financial performance
updates, portfolio profitability, risk grades, etc. Keeps informed
of financial and market trends in the portfolio and analyzes those
trends for the effect they will have on the portfolio. Assists in
special projects as assigned. Qualifications: 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. Master's
Degree in Finance, Accounting, Management, Economics or equivalent
field. Work Experience: Financial analysis, structuring,
underwriting and portfolio management experience, ideally 9 years.
Skills and Abilities: Skilled in proposing and negotiating and
recommending credit and covenant structures. Comfortable in
customer contact situations including escalations and potential
work-out/loan restructure environments. Demonstrated practical and
conceptual knowledge of credit and risk analysis. Demonstrated
knowledge in financial modeling and able to structure credit in
modeling environment. Able to assist RM's on how to structure the
credit relationship Exhibits competency at independently reaching
conclusions and forms clear view of credit structure and business
risk to organization. Solid understanding of industry nuances
applicable to the credits contained within the group's portfolio.
Solid knowledge of loan and related legal documents. Strong
communication skills, and ability to influence others by
persuasively presenting thoughts and ideas to gain commitment and
agreement for proposed ideas and solutions. Must demonstrate strong
judgment and sound credit skills. Knowledge of Federal banking
regulations. EEO Statements: 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: 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: $123,750.00 USD Maximum:
$200,000.00 USD Link to Santander 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. 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 TAOps@santander.us to discuss your needs. Primary
Location: Conshohocken, PA, Conshohocken Ridge Pike Other
Locations: Pennsylvania-Conshohocken Organization: Santander Bank
N.A.
Keywords: Santander Holdings USA Inc, Harrisburg , 15h Left: C&I Underwriter & Portfolio Manager, Accounting, Auditing , Conshohocken, Pennsylvania