Associate, Fund Finance, Credit Underwriting, Portfolio Management

Santander

Fund finance credit associate underwriting and managing subscription, NAV, hybrid, and EBL transactions at Santander. Monitoring portfolio risk and mentoring junior credit professionals.

Posted 9/8/2026full-timeMiami • Florida • 🇺🇸 United StatesJuniorMid-Level💰 $86,250 - $135,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in credit analysis, financial modeling, and risk assessment while effectively managing a portfolio of fund finance transactions. Strong ability to mentor junior team members and collaborate across various departments to ensure compliance and performance monitoring.

Highest-signal resume keywords

Credit AnalysisFinancial ModelingRisk AssessmentPortfolio ManagementProject Management

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Financial Statement AnalysisCredit UnderwritingLiquidity AnalysisStress TestingBorrowing Base EvaluationCovenant ComplianceCredit Approval PackagesDue Diligence ReviewData ManagementRegulatory Readiness

Soft Skills

AccountabilityIntellectual CuriositySound JudgmentRelationship BuildingMentoring

Tools & Technologies

Microsoft Excel

Certifications & Qualifications

Credit Training

Industry Keywords

Fund FinanceCommercial BankingInvestment BankingStructured FinancePrivate CreditNAV-Based LendingSubscription FacilitiesCredit-Intensive Financial ServicesCovenant BreachesCollateral Quality

About the role

Key responsibilities & impact

Prepare, analyze, and manage credit exposures, underwriting, due diligence, and supporting documentation
Support underwriting and structuring of subscription lines, NAV, hybrid, EBL, and other fund finance transactions
Prepare credit approval packages including borrowing base evaluation, liquidity analysis, financial modeling, stress testing, risk rating assessment, and due diligence review
Develop and defend credit recommendations addressing risks, mitigants, structural protections, and credit standards
Independently manage a portfolio of fund finance transactions
Conduct post-close credit monitoring, including covenant compliance, borrowing base performance, collateral quality, investor concentration, reviews, amendments, consents, waivers, and renewals
Identify and escalate emerging risks, covenant breaches, collateral deterioration, sponsor concerns, and material credit events
Monitor portfolio trends, performance metrics, concentration exposures, and emerging risks for senior management and risk partners
Perform periodic and annual credit reviews of assigned exposures
Review analyst work for quality, accuracy, consistency, and underwriting-standard adherence
Mentor and develop junior team members
Participate in process improvement, technology implementation, data management, and regulatory-readiness initiatives

Requirements

What you’ll need

Bachelor’s degree in Finance, Accounting, Economics, Business, Engineering, Mathematics, or a related analytical or quantitative discipline
Strong academic foundation in financial analysis, corporate finance, or accounting
2-6 years of experience in commercial banking, investment banking, leveraged finance, structured finance, fund finance, private credit, corporate banking, or other credit-intensive financial services roles
Prior exposure to subscription facilities, NAV-based lending, other fund-level financing structures, or ABL is a plus but not a requirement
Strong project-management skills with the ability to manage multiple transactions and competing deadlines
Demonstrated accountability, intellectual curiosity, and sound judgment in assessing risk
Strong financial statement analysis and credit underwriting skills
Advanced Microsoft Excel and financial modeling capabilities
Ability to build effective working relationships across Front Office, Risk, Legal, Operations, and senior management
Completion of bank-certified course in Credit Training is preferred
Legally authorized to work in the United States on a full-time basis without requiring employer sponsorship to commence employment

Benefits

Comp & perks

Fair and competitive rewards package
Benefits designed to support employees, their families, and well-being