Vp Credit Risk Jobs in Florida (NOW HIRING)

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The Difference You Make:

The Vice President is a senior credit professional within the Credit Portfolio Management function, responsible for underwriting, structuring, and managing a portfolio of development facilities supporting energy and infrastructure developers. The portfolio includes lending across the development lifecycle, from pre-Notice to Proceed (pre-NTP) through post-NTP construction and stabilization.

Transactions may be structured in either of two ways: (i) financing provided directly to a developer platform and supported by its development pipeline, related development rights, and other eligible collateral; and/or (ii) financing provided directly to a ring-fenced project entity and supported by the assets and cash flows of that specific project. Developer-level facilities will typically finance pre-NTP activities, while post-NTP financing will typically be provided at the project level. The successful candidate will evaluate the applicable developer-level or project-level repayment sources, collateral coverage, development milestones, funding controls, and structural protections.

The Vice President will serve as a primary credit owner from initial underwriting through ongoing portfolio management, partnering closely with Origination, Coverage, product teams, Risk, Legal, Technical and other diligence functions. The role requires hands-on analytical capability, sound credit judgment, disciplined execution, and the ability to identify and escalate emerging risks across a dynamic development portfolio.

Key Responsibilities:

Underwriting, Structuring & Credit Ownership

• Lead the underwriting, structuring, and approval of new development facilities, project-level loans, amendments, extensions, upsizes, refinancings, and annual or interim reviews.

• Assess developer strategy, management capability, liquidity, capitalization, execution track record, and the quality and diversity of the underlying project pipeline.

• Evaluate transactions across pre- and post-NTP stages, including development, permitting, interconnection, offtake, construction, funding, and monetization risks.

• Analyze collateral eligibility, borrowing-base mechanics, advance rates, concentration limits, milestone-based funding conditions, cash controls, and other structural protections.

• Develop concise credit recommendations that clearly articulate repayment sources, key risks, mitigants, downside cases, and conditions to approval.

• Serve as a primary credit owner accountable for analytical integrity and completeness throughout the deal lifecycle.

Financial Analysis & Modeling

• Build, review, and challenge developer-level and project-level financial models, including base, downside, sensitivity, liquidity, collateral coverage, and covenant cases.

• Evaluate projected development expenditures, project monetization proceeds, construction funding needs, interest carry, and repayment timing.

• Assess pipeline value using appropriate probability weightings, milestone assumptions, project concentrations, and timing sensitivities.

• Translate commercial, technical, contractual, and execution risks into financial and credit outcomes.

• Coach junior team members on modeling, diligence, and credit analysis.

Risk Management, Execution & Leadership

• Manage assigned exposures after closing, including covenant compliance, borrowing-base and collateral reporting, milestone achievement, draw requests, annual and interim reviews, amendments, waivers, and rating actions.

• Monitor developer liquidity, project-pipeline progression, permitting, interconnection, offtake, construction, budget, schedule, and monetization performance.

• Identify deterioration or execution delays early, quantify potential credit impact, and recommend escalation, remediation, or structural protections.

• Maintain a clear view of aggregate exposure, concentrations, collateral coverage, and risk migration across the portfolio.

• Act as a trusted counterpart to the 2nd Line of Defense, presenting balanced and transparent credit views.

• Own execution timelines and deliverables while supporting consistent standards and continuous improvement across Credit Portfolio Management.

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 Finance, Accounting, Economics, or related field (required)

• MBA and/or CFA Charter (preferred)

Experience

• 7–10 years of experience in credit underwriting, structured finance, project finance, development finance, or portfolio management.

• Demonstrated experience evaluating developer-level facilities, project pipelines, construction financing, or ring-fenced project exposures.

• Experience with energy, power, renewables, or infrastructure transactions strongly preferred.

• Prior responsibility for preparing or owning credit approvals and managing exposures after closing.

Technical & Professional Skills

• Strong understanding of structured and project credit, collateral analysis, cash-flow lending, covenant frameworks, and risk controls.

• Hands-on financial modeling capability across developer-level and ring-fenced project structures.

• Ability to assess development-stage risks, including permitting, interconnection, offtake, construction readiness, budget, schedule, and project monetization.

• Ability to synthesize complex analysis into clear, decision-oriented credit narratives.

• Strong communication skills and ability to partner effectively with Origination, Coverage, Risk, Legal, and technical advisors.

• High level of ownership, judgment, attention to detail, and execution discipline.

• Proficiency with Microsoft Office and financial modeling tools.

What Success Looks Like

• Soundly structured development facilities with clear collateral, funding, covenant, and repayment protections.

• High-quality credit decisions delivered efficiently across pre- and post-NTP transactions.

• Proactive portfolio management, with early identification and escalation of pipeline, liquidity, construction, and collateral risks.

• Strong credibility with Origination, Coverage, Risk, and other transaction partners.

• Consistent analytical rigor and execution discipline across the Credit Portfolio Management function.

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:

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.