Credit Risk Associate Jobs in Florida (NOW HIRING)

USA SCIB Portfolio Manager, VP - CIB Lending
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:
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, portfolio monitoring standards, training materials and quality control routines.
• Identify opportunities to improve financial spreading, covenant tracking, collateral monitoring, data quality and management reporting.
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.
Certifications:

• Other: Completion of bank-certified course in Credit Training - Required.

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 & Sponsorship:
Applicants 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 Range:
Minimum:
$185,000.00 USD
Maximum:
$185,000.00 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.