Associate, European Transaction Management at Santander

London, England, United Kingdom

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Not SpecifiedCompensation

Junior (1 to 2 years), Mid-level (3 to 4 years)Experience Level

Full TimeJob Type

UnknownVisa

Banking, Investment Banking, FinanceIndustries

Requirements

Relevant experience in Corporate Lending, Structured Finance, Investment banking / Finance department, debt fund or similar desirable
Financial Modelling experience
Experience working with loan documentation and managing closing processes
Prior exposure to European markets and cross-border transactions preferred
Strong willingness for continuous self-education in financial and credit analysis skills as well as Market and Regulatory trends (studying CFA, FRM, or similar well regarded)
Knowledge of how capital markets and derivatives work in practice beneficial
Risk assessment and mitigation tools
Good negotiation and presentation skills
Entrepreneurial spirit and creative attitude towards efficiency improvement projects and framework development
Languages: Spanish (fluent), English (fluent); French / Italian / German is a plus
Economics, Business Administration degree, engineering or similar. Desirable MBA or MSc in Finance or similar

Responsibilities

Credit analysis of potential opportunities, including financial modelling and due diligence analysis skills and profitability metrics
Identify and develop new product/structure opportunities to expand SCIB’s product portfolio and revenue streams
Lead internal initiatives to simplify end-to-end origination and approval processes, improving speed, control, and client experience
Work on business and credit presentations alongside coverage, ACPM and risk, to approve transactions on a timely manner
Legal documentation negotiation (Term Sheet and long-form documentation) and review with final client
Coordination of Legal, Middle Office and Back Office teams as well as any other internal departments involved in closing duties, and with PDM over syndication processes
Reporting of credentials, LTs etc
Elaboration of case studies
Maintenance of databases and tracking general market trends, monitoring of MRG client related news, creation and monitoring of P&L databases, preparing the documentation for internal metrics / Business Reviews

Skills

Key technologies and capabilities for this role

Credit AnalysisFinancial ModellingDue DiligenceLoan DocumentationLegal NegotiationTerm SheetSyndicationCorporate LendingStructured FinanceP&L ManagementBusiness PresentationsMarket Analysis

Questions & Answers

Common questions about this position

What is the location for this role?

This role is based in the Triton Square office in London, conveniently located within walking distance from Euston Station and Warren Street Station.

What compensation and benefits are offered?

The role offers a competitive salary, a tailorable benefits package, eligibility for a discretionary performance-related annual bonus, and a pension with generous contributions of up to 12.5% from Santander.

What skills and experience are required for this position?

Relevant experience in Corporate Lending, Structured Finance, or Investment Banking is desirable, along with financial modelling experience, working with loan documentation, and fluency in Spanish and English. Prior exposure to European markets, strong negotiation and presentation skills, and knowledge of capital markets are preferred.

What education is needed for this role?

An Economics, Business Administration degree, engineering or similar is required, with an MBA or MSc in Finance desirable. Studying CFA, FRM, or similar is well regarded.

What makes a strong candidate for this position?

Candidates with relevant experience in corporate lending or structured finance, financial modelling skills, fluency in Spanish and English, and an entrepreneurial spirit for efficiency improvements stand out. A willingness for continuous self-education in financial analysis and market trends, plus preferred exposure to European markets, strengthens applications.

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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