Essential Functions/Responsibility Statements:

• Responsible for risk oversight and credit approval for one or more industry verticals within the leveraged lending group, including product and credit standards.

• Monitor portfolio performance and monitor exceptions to refocus business strategy.

• Providing guidance to coverage partners on new credit transactions with respect to appropriate credit structures and terms.

• Provide oversight and mentor a team of credit officers and underwriters.

• Monitor credit approval workflows to be more effective and efficient in turnaround and quality of approvals.

• Promote a strong and balanced risk management culture and demonstrate rigorous credit analysis in the underwriting and portfolio management process.

• Lead execution of key projects.

• Interacts with internal credit reviews and regulators.

• Manage compliance with internal policies, work flow procedures, regulations.

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.

Education:

• Bachelor's Degree, or equivalent degree and/or work experience.

• MBA or equivalent advanced training is preferred.

Work Experience:

• Minimum 10 years of experience in leveraged lending credit.

Skills and Abilities:

• Deep understanding of leveraged loan market dynamics, complex finance structures, and ability to identify risk and mitigants associated with the leveraged deals.

• Previous approval authority required.

• Appropriate risk appetitive with respect to size of individual underwritings, overall book deals, leverage levels and hold positions.

• Minimum 2 years of people management.

• Experience in a wide range of products (including capital markets, derivatives, leverage finance).

• Industry expertise preferred.

• Experience through multiple credit cycles.

• Experience in remedial management situations.

• Demonstrate integrity, independence, leadership, judgment, and ability to balance risk and reward.

• Superior attention to details, ability to quickly focus on the key risk factors and visually present complex concepts.

• Comprehensive knowledge of legal documentation associated with credit risk.

• Ability to manage deal volume in a fast-paced environment and analyze the credit application and prepare written summary in a short timeframe.

• Ability to work closely with other areas of the bank, relationship bankers, product managers, legal, loan operations.

Diversity & EEO Statements: At Santander, we value and respect differences in our workforce and strive to increase the diversity of our teams. 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: 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.

For NYC Job Applicants: The base annual salary range for this position is $174,370-$230,000. The exact compensation may vary based on skills, experience, training, licensure and certifications and location.

Primary Location: New York, NY, Madison Ave Corp

Other Locations: New York-New York

Organization: Banco Santander S.A.