Specialist, Portfolio ManagementCountry: United States of AmericaIt Starts Here:Santander is a integral 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.The Difference You Make:The Specialist, Portfolio Management is responsible for working with the Relationship Manager to develop non‑profit relationships by underwriting new loans and participating in the approval process. Accompanies Relationship manager on customer calls.Reviews financials.Tests financial covenants and compliance.Reports regularly on status to Relationship Manager.Monitors all expiration dates 90‑days ahead.Schedule analyst workflow and priorities.Provides senior credit analyst support as needed.Underwrites credits as needed.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.EducationBachelor’s Degree: in related field or equivalent demonstrated through a combination of work experience, training, military service, or education - Required.Professional ExperienceExperience in credit structuring and underwriting and cross selling.



- Required.SkillsDemonstrates experience and judgment with credit decisions and analysis.Organized and self sufficient.Strong quantitative reasoning and writing skills.Knowledge of underwriting and experience with all underwriting procedures.Ability to effectively present information and respond to questions from groups or managers, members, and general public.Excellent member service skills.Detail oriented, common sense decision-making; above average oral, written and communications skills.Ability to define problems, collect data, establish facts, and draw valid conclusions.Ability to work with mathematical concepts, such as profitability and statistical inference.Ability to apply concepts, such as fractions, percentages, ratios and proportions, to practical situations.Capacity to complete the project on time.CertificationsNo 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.Work Authorization & SponsorshipApplicants must be legally authorized to work in the United States on a full‑time basis without requiring employer sponsorship to commence employment.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 RangeMinimum: $45,750.00 USDMaximum: $74,000.00 USDWe Value Your ImpactYour 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 CultureWe 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 StatementAt 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 ConditionsFrequent 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 RightsThis 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#J-18808-Ljbffr

📌 Specialist, Portfolio Management (Madrid)
🏢 Santander
📍 Madrid