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 successful completion of training, Analysts are placed within a Commercial Banking Underwriting & Portfolio Management or Originations team based upon business line needs. Opportunities include but are not limited to: Commercial & Industrial Banking, Commercial Real Estate, Santander Real Estate Capital, and Santander Real Estate Investment Management.

The Commercial Banking Analyst Training 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 210,000 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 Commercial Real Estate, Asset Based Lending, Cash Flow Lending, Leveraged Finance, 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.
Analysts will have the following responsibilities:
1. Complete the 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

12. Provide prospecting and customer relationship management support including customer/industry research, attendance in customer calls, and preparation of presentation materials for internal and external stakeholders.

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 multiple responsibilities, and meet tight deadlines
• Strong attention to detail
• Ability to collaborate within a team and work independently
• Proficiency in Microsoft Word, Excel, PowerPoint

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:

$69,750.00 USD

Maximum:

$97,500.00 USD

Primary Location: Boston, MA, Boston

Other Locations: Massachusetts-Boston

Organization: Santander Bank N.A.

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.
Salary: $69,750 - $97,500/year
AN EQUAL OPPORTUNITY EMPLOYER M/F/Vet/Disabled/SO