Analyst Real Estate Structured Finance Team for Europe at Santander

Madrid, Community of Madrid, Spain

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Not SpecifiedCompensation

Junior (1 to 2 years)Experience Level

Full TimeJob Type

UnknownVisa

Banking, Real Estate, FinanceIndustries

Requirements

Outstanding academic background
Good written and verbal communication skills
Strong financial modelling skills
Strong analytical and quantitative skills
Solid understanding of real estate fundamentals and financing structures
Ability to demonstrate initiative, attention to detail, and judgment/confidence to work with internal and external stakeholders
Ability to thrive in a fast-paced, deal-driven environment

Responsibilities

Underwrite and structure commercial real estate financing transactions: perform cash flow modelling, property and borrower analysis
Assist in preparing credit/loan applications, credit memos, term sheets, and investment memoranda for review by senior management or credit committees
Perform due diligence: coordinate third-party reports (appraisals, environmental, technical), review legal/tax/regulatory/compliance issues
Help in deal execution: manage closing process, liaise with legal, brokers, borrowers, external advisors
Support origination: participate in sourcing new opportunities, preparing pitches/presentations, market research, and competitor/sector analysis
Coordinate with internal teams (risk, legal, compliance, middle and back office) and external shareholders (valuers, insurers, rating agencies) to ensure smooth transaction flow
Prepare financial analysis of scenarios, sensitivity tables, stress tests, valuation
Help during deal syndication/capital markets/structuring for debt distribution if relevant

Skills

Real Estate Finance

Structured Finance

Debt Structuring

Financial Modeling

Risk Management

Commercial Real Estate

Origination

Execution

Capital Structures

Market Analysis

Santander

Provides banking, investment, and insurance services

About Santander

Santander Bank provides a variety of financial services to individuals, small businesses, and large corporations in the United States. Its offerings include savings and checking accounts, loans, credit cards, and investment products. The bank also has specialized services through Santander Investment Services and insurance products via Santander Securities LLC. Santander stands out from its competitors by focusing on community growth, committing $13.6 billion to support initiatives like the 'Cultivate Small Business' program, which aids early-stage entrepreneurs, especially from underrepresented groups. The bank generates revenue through interest on loans, service fees, and commissions, while promoting responsible banking practices and financial education. Santander's goal is to empower individuals and businesses, enhance community prosperity, and provide comprehensive financial solutions.

Boston, MassachusettsHeadquarters

1902Year Founded

$75MTotal Funding

POST_IPO_DEBTCompany Stage

Fintech, Financial ServicesIndustries

10,001+Employees

Benefits

Health, dental, & vision

401k

Flexible PTO

Parental & sick leave

Discounts: technology, travel, auto, fitness, & tuition

Risks

ISO 20022 transition may challenge smaller business partners.

'Quishing' attacks pose a growing threat to consumer security.

Openbank faces competition in the U.S. high-yield savings market.

Differentiation

Santander's Openbank offers a 5.00% APY high-yield savings account nationwide.

The bank's Inclusive Communities Plan pledges $13.6 billion for community initiatives.

Santander's ISO 20022 adoption enhances operational efficiency and data management.

Upsides

Openbank's high-yield savings account attracts more U.S. customers.

Santander's renewable energy financing highlights commitment to sustainable investments.

Proactive cybersecurity measures enhance customer trust and protect digital assets.

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