Overview

It Starts Here: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 SCIB Portfolio Manager is a Vice President role within US SCIB COO Lending Solutions responsible for portfolio management, credit monitoring and credit administration activities across SCIB lending portfolios. The role is generic across business lines but requires the ability to support Infrastructure Finance, Structured Finance, Leveraged Finance, Investment Grade corporate lending and GTB-linked credit exposures. The role is responsible for quarterly and annual reviews, credit spreading, covenant monitoring, collateral monitoring, rating review support, amendment and waiver analysis, portfolio reporting, risk escalation and lifecycle coordination with Front Office, Credit, Agency, Operations and Transaction Management. Objectives are to 1) maintain a disciplined first line portfolio management framework, 2) ensure timely and accurate monitoring of credit, covenant, collateral and documentation obligations, and 3) support sustainable portfolio governance across US SCIB lending.Key Responsibilities:1. Credit Monitoring and Reviews Prepare, coordinate and/or review quarterly and annual credit reviews for assigned portfolio names, including financial performance, rating considerations, risk trends, covenant compliance, collateral status and sector developments. Perform or oversee credit spreading, financial analysis, variance analysis, leverage/liquidity analysis and borrower performance updates. Support rating reviews, watchlist recommendations, exposure analysis and escalation of credit deterioration or emerging risks.2. Covenant, Collateral and Documentation Monitoring Monitor financial and non-financial covenants, reporting requirements, borrowing base certificates, collateral deliverables, insurance requirements, financial statements and other ongoing obligations. Track exceptions, waivers, missing deliverables, collateral shortfalls, covenant breaches and post-close items through remediation. Coordinate with Agency, Transaction Management, Legal, Operations and Servicing to ensure ongoing obligations are captured and maintained.3. Amendments, Waivers and Lifecycle Events Support amendments, waivers, consents, extensions, repricings, restructurings and other lifecycle events through credit analysis, approval coordination and implementation tracking. Assess whether changes require new approvals, rating updates, documentation amendments, covenant changes, collateral updates, system updates or control escalation. Partner with Transaction Management to ensure approved amendments are reflected accurately in documentation, systems and monitoring tools.4. Portfolio Reporting and Governance Prepare portfolio reporting, KPIs, KRIs, management updates, issue logs and control evidence for senior management, Credit, Risk, Audit and regulatory stakeholders. Monitor portfolio trends across Infrastructure Finance, Structured Finance, Leveraged Finance, IG and GTB exposures, including concentrations, exceptions, ratings, covenants and collateral indicators. Participate in governance forums and support remediation plans related to portfolio monitoring and credit administration.5. Stakeholder Collaboration and Process Improvement Work closely with Front Office, Credit, Risk, Agency, Legal, Operations, Transaction Management, Finance and Technology to support a coordinated lifecycle management process. Mentor associates and analysts and help develop procedures, port