Associate Management Analyst Jobs (NOW HIRING)

Liability Management Analyst / Associate
Country: United States of America
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:
Santander's Liability Management / Debt Capital Market Solutions team advises corporate, sponsor, and sovereign clients on debt refinancing solutions, liability management strategies, and balance sheet optimization. The group works at the intersection of investment banking and capital markets, providing clients with strategic insights and tailored solutions to manage debt, liquidity, and long-term financial sustainability. Operating in a fast-paced, client-facing environment, the team executes complex transactions such as tender offers, exchange offers, consent solicitations, and refinancing strategies. The role offers significant exposure to senior management, a wide range of clients, and cutting-edge financing solutions in both U.S. and global markets. Given Santander's client base and footprint, candidates can expect exposure to global investment grade, high-yield corporate and sponsor-backed clients, as well as significant work with Latin American clients.
As a Liability Management Analyst / Associate, you will play a key role in supporting the origination and execution of liability management mandates. You will work closely with senior bankers to provide clients with actionable, data-driven advice that helps them navigate capital markets and optimize their financial position. This front-office role provides a high level of responsibility, including client interaction, transaction execution, and financial analysis. [Analysts / Associates] in the group gain experience across a broad spectrum of industries and geographies, while developing deep expertise in debt markets and strategic financing.

• Support the structuring and execution of investment grade and high yield liability management transactions, including debt buybacks, tender offers, exchange offers, and refinancing exercises.
• Conduct financial, industry, and market analyses to identify liability management opportunities and develop tailored client recommendations.
• Prepare pitch materials and client presentations with bespoke analysis of outstanding debt profiles / capital structures and market conditions to identify liability management opportunities.
• Build and maintain Excel-based models to assess the financial and strategic impact of potential transactions.
• Cross-collaborate with debt capital markets origination, leveraged finance origination, and industry coverage groups to support fulsome client coverage.
• Work closely with the sales desk to analyze investor feedback and market conditions during live transactions.
• Ensure transaction timelines and deliverables are met under deadlines.
• Adhere to compliance procedures and internal/operational risk controls in accordance with all applicable regulatory standards, requirements, and policies.

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:

• Bachelor's degree in Finance, Economics, Business, Accounting, or a related field.
• 2-5 years of experience in capital markets, investment banking, corporate finance, or related financial services.
• Strong intellectual curiosity, with the ability to quickly grasp complex financial concepts and translate them into practical insights.
• Solid foundation in Excel and comfort with quantitative analysis.
• Excellent written and verbal communication skills.
• Proven organizational skills, with the ability to manage multiple projects in high-paced environments.
• Team-oriented, highly motivated, positive, and proactive, with a strong sense of professional ethics and integrity.
• Ability to thrive in a demanding, fast-paced environment with multiple priorities.

Certifications:

• Series 7, 63, 79; can be completed upon hiring

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:
$175,000.00 USD
Maximum:
$225,000.00 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 TAOps@santander.us to discuss your needs.