Underwriting & Portfolio Management Commercial Real Estate

Underwriting & Portfolio Management Commercial Real EstateCountry: United States of America

It Starts With You:

Santander is a global leader and innovator in the financial services industry and is evolving from a high-impact brand into a technology-driven organization. Our people are at the heart of this journey and together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible.  This is more than a strategic shift.  It’s a chance for driven professionals to grow, learn, and make a real difference.

If you are interested in exploring the possibilities We Want to Talk to You!

The Difference You Make:
The Director, Underwriting & Portfolio Management works with clients and internal and external business partners on portfolio performance monitoring, general compliance and ongoing risk assessment, including responsibilities to ensure that the collateral pledged under credit agreements meets the standards set forth by the related legal agreement and is appropriately valued for the risk and characteristics of the transaction.

• Communicates portfolio trends, risks and mitigants to senior leadership.
• Cultivates excellent client relationships.
• Develops and manages portfolio information needed to accommodate sound risk management, economic and regulatory reporting requirements.
• Collaborates with team to prepare and present monthly/quarterly portfolio reviews.
• Leads underwriting, structuring and closing of amendments, upsizes and extensions, as needed, including annual reviews and credit approval memos.
• Develops, manages and/or refines tools necessary to track borrower and portfolio performance, monitor trends and industry performance.
• Support associate development through building strong relationships with the team as a mentor and/or manager as needed.
• Collaborates with originations team members prior to loan closing on approval memos, legal documentation, collateral review and funding approvals.
• Manages and controls risks throughout the post-closing credit process to ensure strong borrower performance.
• Monitors and enforces terms of loan agreement / documents.
• Identifies and establishes best practices policies and procedures.
• Manages other Portfolio Management functions, including collaborating with new business team on up-front and ongoing client due diligence, etc.
• Leads and/or provides valuable input for broader business initiatives, projects and goals.

What You Bring:
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: in related field or equivalent demonstrated through a combination of work experience, training, military service, or education - Required

Qualifications:

• 9+ Years Financial analysis, structuring, underwriting and portfolio management. - Required.
• Proficient communicator (orally and in writing) with clients, peers and fellow associates.
• Proficient with Microsoft Office applications.
• Familiarity with commercial loan systems.
• Ability to work and interact with various departments.
• Ability to work in a fast-paced, sometimes stressful, environment with many critical deadlines.
• Thorough knowledge and understanding of all loan products and services.
• Understanding the Banks compliance policies as it relates to the specific individual job duties and following the provisions of such policies, specifically understanding that any violation of such policies must be reported to the Director of Regulatory S

Certifications:

• No Certifications listed for this job.

It Would Be Nice For You To Have:

• Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.

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:

$146,250.00 USD$235,000.00 USD

We Value Your Impact:

Your contribution matters and it’s recognized.  You can expect a fair and competitive rewards package that reflects the impact you create and the value you deliver. We know rewards go beyond numbers.  Offering more than just a paycheck our benefits are designed to support you, your family and your well-being, now and into the future.Santander Benefits - 2026 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 [email protected] to discuss your needs.