Commercial Credit Analyst

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!

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.

SANTANDER BANK

Santander Bank US is a subsidiary of Madrid-based Santander Group, the largest retail and commercial bank in the Eurozone and the # 1 financial institution in Latin America. Founded in 1857, with over 200,000 employees and 144 million customers, Santander Group operates in over 40 countries. In the United States Santander’s accelerated growth leverages the firm’s world class global capabilities.

COMMERCIAL BANKING

Santander’s Commercial Banking Division is an active provider of Capital, Treasury Management, and Risk Management solutions to thousands of middle market and mid-corporate companies across the U.S. In addition, Santander’s significant international presence uniquely positions the Bank to help companies grow their businesses. Commercial Banking has product and industry sector expertise in Technology, Media, Telecommunications, Commercial Real Estate, Asset Based Lending, Cash Flow Lending, Leveraged Finance, Equipment Leasing, Automotive Dealer Finance, Food and Beverage, Healthcare, Education, and Government Banking.

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

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
  ​

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.

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.