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C&I Underwriter & Portfolio Manager – VP
| Company | Santander |
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| Location | Boston, MA, USA |
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| Salary | $97500 – $160000 |
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| Type | Full-Time |
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| Degrees | Bachelor’s, Master’s |
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| Experience Level | Expert or higher |
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Requirements
- 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
- Financial analysis, structuring, underwriting and portfolio management experience, ideally 9+ years
- 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
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
Preferred Qualifications
- Master’s Degree in Finance, Accounting, Management, Economics or equivalent field
