Job Description

Fund Finance / Markets / Financial Sponsors Credit Risk 2nd Line of Defense - Corporate & Investment Banking Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! Job Function Description: Ensures adherence to the policies and procedures for Fund Finance credit risk. Represents 2LOD in all new CIB Fund Finance deal screenings, perform credit analysis to determine deal viability, and compliance with Fund Finance credit underwriting standards. Review and challenge on all new Fund Finance underwritings. Review all Fund Finance annual reviews. Manages and ensures compliance with all Fund Finance policy, standard definitions and monitoring of policy, standard implementation, ensuring harmonization and consistency of risk policies. Provides independent oversight of all aspects of credit quality of assigned portfolios, including the daily approval process of individual credits and the formal review process of the portfolio. Identifies, manages, and reports on the company's risk areas. Maintains up to date on all market developments, best practices, and trends within the broader Fund Finance, NAV Lending, and Hedging. Leads special risk projects and/or programs, business continuity and other incident response and security related activities supporting Fund Finance industry best practices. Essential Functions / Responsibility Statements: Oversees and ensures consistent quality control, accuracy, and compliance with internal policies and regulatory requirements for reporting processes. Ensures and executes ongoing maintenance of controls, mitigation plans, testing, and/o credit risk assessments. Partners with the accountable business owner for effective 1st and 2nd line of defense Risk Management and Controls Provides oversights on risk-management content/processes. Provides oversights on risk-management content/processes followed by the 2nd line of defense. Evaluates the adequacy and effectiveness of data, document retention, and monitors systems. Acts as a subject matter expert (SME) while providing leadership, guidance, and mentorship. Qualifications: 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. Work Experience: 5-7 years; Risk Management, Credit Risk, Fund Finance and NAV Underwriting, or Internal Audit experience. Skills and Abilities: Strong MS Excel and PowerPoint skills required. Bachelor’s degree in accounting, business, statistics, finance, economics, or equivalent field Ability to analyze risk and design efficient control practices to effectively manage risk. Ability to multi-task, prioritize activities, manage conflicts of interest, delegate, and meet deadlines. Advanced knowledge of the operational, accounting, credit, regulatory, market and technological risks within the various sectors of Fund Finance, and Financial Industry Demonstrated credit analysis and underwriting skills for understanding / tracking underlying counter party performance. Ability to evaluate counter party risk exposures. Demonstrated knowledge of credit policies and procedures, regulations, and applicable law(s) Demonstrated track record interacting with the regulators, external and internal audit. Excellent written and verbal communication. Strong presentation skills. Superior project management skills. Ability to interact with all levels of management, work independently and in a team environment EEO Statements: 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. Occasional moving and lifting equipment and furniture is required to support onsite and offsite meeting setup and teardown. Physically capable of lifting up to fifty pounds, able to bend, kneel, climb ladders. Employer Rights: 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 at any time for any reason. 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: $101,250.00 USD Maximum: $185,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 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 TAOps@santander.us to discuss your needs. Primary Location: New York, NY, Madison Ave Corp Other Locations: New York-New York Organization: Banco Santander S.A.

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