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Santander

Global retail and commercial banking group

Trade Finance Origination Associate

Full-TimeUpdated on 10/24/2026Deadline 11/11/26
$145k - $175k/yr
Expert
Bachelor's
United States
In Person
Finance & BankingRetail & Commercial Banking
No H1B Sponsorship

About the job

Requirements
  • A bachelor's degree in a related field, or equivalent demonstrated through a combination of work experience, training, military service, or education, is required.
  • Experience working with sub-investment grade clients in the American market is required.
  • At least 6 years of relevant experience is required.
  • Knowledge of financial topics including the working capital cycle, cash flow forecasting, financial statement analysis, and financial modelling is required.
  • Understanding of the mechanics, drivers, and risks associated with trade products is required.
  • Understanding of the competitive market and the role of technology within trade finance is required.
  • An in-depth understanding of the front-to-back execution process for trade products is required.
  • Ability to develop relationships within the organization and collaborate across geographical boundaries is required.
  • High motivation, proactivity, accomplished business origination skills, and strong presentation and organizational skills are required.
Responsibilities
  • Market GTB trade products, including receivables, supply chain finance, structured trade, letters of credit, and EAF, to potential Santander clients in the natural resources, utilities, and commodities sectors; proactively identify new business opportunities covering domestic or cross-border trade, with or without recourse, under a portfolio or name-by-name approach.
  • Prepare commercial plans, pitches, and requests for information designed to target C-suite interaction by analyzing clients' financial strategies and reports, comparing them with relevant-sector peers, and presenting how Santander trade products can support clients' strategic goals.
  • Provide pricing and market intelligence for transactions, ensure transaction profitability in line with the Bank's capital models, and present to relevant committees where applicable.
  • Report progress on the commercial agenda to senior management.
  • Maintain knowledge and awareness of key trends across core sectors and potential applications of working capital products.
  • Contribute to creating and developing the product proposition by regularly sharing client feedback.
  • Coordinate internal stakeholders, including CDD, Compliance, Risk, Legal, IT, and Operations, and external stakeholders, including law firms, insurers, and brokers, to support end-to-end execution, client onboarding, and due diligence.
  • Follow the Bank's operating practices and governance in accordance with its guidelines.
  • Serve as an adviser, consultant, and first point of contact for clients' ongoing trade finance needs; manage the client journey from sales through implementation and act as an escalation contact.
  • Identify opportunities and sell trade and working capital solutions to American clients in the natural resources, utilities, and commodities industries, working with Relationship Managers.
Desired Qualifications
  • Exposure to the natural resources, utilities, or commodities sectors and/or financial sponsors is a plus.
  • Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.

About the company

Santander is a global bank focusing on retail and commercial banking in Europe and the Americas. It serves individuals and SMEs through strong regional franchises (Spain, Brazil, the UK, the US) and a broad Consumer Finance arm, while supporting multinational clients via its Corporate & Investment Banking division. It digitalizes core banking on its Gravity cloud to rapidly deploy digital solutions like Openbank and cross-border services, blending fintech agility with a traditional bank balance sheet. Its goal is to improve efficiency under the One Santander framework, grow cross-border revenue, and finance sustainable initiatives aligned with Net Zero targets.

Company Size

10,001+

Company Stage

IPO

Headquarters

Boadilla del Monte, Spain

Founded

1902

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Simplify's Take

What believers are saying

  • Green finance reached €188 billion by June 2026, 85% of the 2030 target.
  • Peru's 467 MWp Illa solar financing expands Santander's Andean project-finance franchise.
  • H1 2026 revenue grew 6.5%, supporting management's 2026 profit-growth target.

What critics are saying

  • Santander UK booked £633 million for motor-finance redress; tribunal hearings run into 2027.
  • Webster integration threatens synergies, capital ratios, and the 2028 U.S. profitability thesis.
  • Santander UK cut 44 branches in 2026, risking customer attrition and labor conflict.

What makes Santander unique

  • Santander completed Webster acquisition on August 20, 2026, creating a top-ten U.S. bank.
  • Gravity migrated 97% of IT to cloud, enabling faster product rollouts.
  • Openbank and Work Cafés give Santander a hybrid digital-branch model across markets.

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Benefits

  • Health, dental, & vision
  • 401k
  • Flexible PTO
  • Parental & sick leave
  • Discounts: technology, travel, auto, fitness, & tuition

Growth & Insights and Company News

6 month growth

-3%

1 year growth

-3%

2 year growth

-3%
AD HOC NEWS
Oct 21st, 2026
Unicasa secures $8.9M BNDES loan as Q2 net loss hits $0.9M

Brazilian furniture maker Unicasa secured BRL 50 million in financing on October 1, 2026, through a BNDES programme arranged by Santander. The loan costs CDI minus 1.15% a year. The loan has a 12-month grace period and 48 months of amortisation. Semiannual payments run from April 2028 to October 2031. The funding comes as the company struggles with profitability. Second-quarter revenue rose to BRL 54.60 million from BRL 40.90 million in the first quarter, but the net loss was BRL 5.20 million. Unicasa raised BRL 61.80 million in 2025 and ended that year with net debt of BRL 67.00 million.

FinanzNachrichten.de
Oct 20th, 2026
Orano Has Launched a New 7 Year Bond Issue of 500 Million Euros

Regulatory News: Today Orano has launched and set under its EMTN Program the terms for a 7 year bond issue for an amount of 500 million euros (maturity in October 2033) with an annual coupon of 4.75%

Finadium
Oct 19th, 2026
Santander developing AI model triage to lower costs of deployment.

Santander developing AI model triage to lower costs of deployment. October 19, 2026 Banco Santander announced its AI Lab has developed new capabilities to evaluate AI models and agents for banking applications, helping identify which model is best suited for each task and deploy it in the most efficient way. As part of this effort, Santander has been progressively moving from large general-purpose models towards smaller, specialized models designed for specific banking tasks. In selected experimental use cases, this approach has reduced serving costs from around €5 per interaction to approximately €0.03 while maintaining strong performance. Through the Lab, Santander has built Model Arena to evaluate open-weight models against banking tasks and identify the right model for each workload, and is specializing models using NVIDIA NeMo Customizer. Customer-service comparisons delivered evidence that smaller, specialized models can deliver strong performance on targeted banking tasks. Santander has built specialized intelligence for core banking workloads on NVIDIA Kumo, a family of open-weight foundation models for structured data, allowing companies to quickly turn structured data into predictive insights needed for agentic services. The Lab is industrializing inference within Santander's own architecture using NVIDIA Dynamo-Triton, the approach behind the serving-cost reduction above, and is developing Model Arena to design, simulate, evaluate and supervise banking agents, alongside performance engineering and adversarial testing of conversational AI in controlled environments. The goal is to establish a rigorous experimentation path through which emerging AI technologies are optimized and stress-tested against banking requirements before successful capabilities scale across Santander. Building on these advances, Santander is progressing from open-weight models towards specialized models and governed banking agents designed for greater control, safety and lower operating costs at scale. The collaboration is already delivering measurable results: in an experimental customer-service use case, Santander improved conversation quality while reducing costs by more than 50% through the deployment of a more efficient AI model. As part of the next phase of the initiative, Santander and NVIDIA have established a three-year collaboration framework covering areas such as foundation models, AI agents, fraud and anti-money laundering capabilities, real-time decisioning and advanced simulation technologies, including a banking digital twin. Iñaki Bernal, chief artificial intelligence officer at Santander, said in z statement: "NVIDIA is a key player in the infrastructure, software and research that is powering the latest advances in artificial intelligence. Combined with Santander's scale across businesses, customers and geographies, we believe we are uniquely positioned to succeed in transforming those advances into practical banking capabilities." Aser Blanco, Global Banking lead at NVIDIA, said in a statement: "Banking is one of the most data-centric industries. Data sits at the heart of every process and now banks need to become intelligence-centric. Transforming years of data into usable and proprietary intelligence is not about model size, but about training and fine tuning. In this new world, cost per intelligence output is a key metric. Santander is showing what that looks like in production with smaller models, specialized on the bank's own data, evaluated against real banking tasks and served efficiently enough to run at the scale of a global bank."

El País
Oct 19th, 2026
Santander partners with Nvidia to deploy AI across the entire bank

Santander partners with Nvidia to deploy AI across the entire bank

Media9Par, S.A.
Oct 15th, 2026
Exus secures $226M from Santander and Société Générale to grow European energy and digital infrastructure

Exus, an integrated energy and digital infrastructure platform, has secured a €200 million financing from Banco Santander and Société Générale. The holding-level deal will refinance existing debt and fund construction, acquisitions, and new project development. A letter of credit facility will also support grid connection and offtake requirements for energy and digital projects. Exus develops, builds, and operates generation, storage, and grid infrastructure that supplies firm, reliable power to the grid and large consumers. "Exus is on a strong growth path, and this financing gives us a scalable structure to build on," said João Pedro Summaville, chief financial officer. He said it strengthens the company's ability to keep investing as it expands in Europe. Both banks acted as Mandated Lead Arrangers and Co-Underwriters. Santander also served as Facility Agent and Security Agent.