Associate, Structured Finance Portfolio Management | S2 | Structured & Specialist Finance CCB | Manchester or Edinburgh | Internal Mobility

Associate, Structured Finance Portfolio Management | S2 | Structured & Specialist Finance CCB | Manchester or Edinburgh | Internal Mobility Country: United Kingdom IT STARTS HERE Santander ( www.santander.com ) is evolving from a global, high-impact brand into a technology-driven organisation , and our people are at the heart of this journey. Together , we are driving a customer-centric transformation that values bold thinking, innovation , and the courage to challenge what’s possible. This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference . Our mission is to contribute to help more people and businesses prosper . We embrace a robust risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management. Retail & Commercial Banking is a global business integrating all our retail and commercial banking activities to better serve our customers, improve efficiency and drive value creation. THE DIFFERENCE YOU MAKE Structured Finance Portfolio Management is looking for an Associate based out of Manchester or Edinburgh . This is a great opportunity for anyone looking to move into a career within Structured Finance (“SF”) or develop their risk analysis, customer engagement and negotiation skills. You will support Directors, Associate Directors and Senior Associates with clients across a range of asset classes within Structured Finance mid-market; Financial Sponsors/Private Equity, Growth Capital and Corporate Structured Debt Solutions and therefore offers an unparalleled view across SF. The portfolio is made up of a mix of dynamic and complex clients which makes them interesting and generally very active including making acquisitions, rolling out new sites, expanding into new territories or developing new products or services. You’ll be part of a close-knit and highly experienced team providing you the ability to learn and develop in a safe environment. If you have a Excellent understanding of Profit & Loss, Balance Sheet and Cashflow and credit risk are keen to develop and have an enquiring mind then this is a perfect role for you. We’re shaping the way we work through innovation, cutting-edge technology, collaboration and the freedom to explore new ideas. To succeed in this role, you will be responsible for: Supporting Associate Director and Director with a portfolio of Corporate clients in: the monitoring of the portfolio including analysis of monthly financial information and non-financial risk such as global macroeconomic and geo-political risks supporting client growth aspirations through monitoring and evaluation of actions such as acquisitions and checking the comply with controls within loan agreements, managing internal drawdown processes etc.. regular reporting to Risk and updating credit and monitoring systems in line with credit policies supporting client engagement with regular dialogue and face to face meetings and client strategy plans attend and get involved with internal stakeholder meetings, supporting ongoing data quality, data requests, with a radically simpler mindset to the ongoing review of processes, procedures and digitalisation WHAT YOU’LL BRING Our people are our greatest strength. Every individual contributes unique perspectives that make us greater as a team and as an organisation. We’re enabling teams to go beyond by valuing who they are and empowering what they bring. The following requirements represent the knowledge, skills, and abilities essential for success in this role. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Professional Experience Relevant experience in a Corporate Banking, Corporate Finance or wider financial services environment, with exposure to lending, credit or transaction execution activity (Required) Experience supporting financial analysis, credit assessment, deal execution or portfolio management activity, with the ability to work accurately under time-critical deadlines (Required) Education Degree-level education or equivalent professional experience in finance, accounting, economics, business or a related discipline (Preferred) Accountancy qualifications or similar professional qualifications are advantageous, but not essential (Preferred) Hard Skills Good credit and financial analysis capability, including financial modelling skills or demonstrable transferable skills and the ability to develop this competency quickly (Required) Knowledge of corporate banking or structured finance products, credit processes and the financial services market, with great attention to risk and control requirements (Required) Great working knowledge of Microsoft Office and the ability to learn internal systems, processes and reporting requirements quickly (Required) An ability to meet deadlines and operate effectively in a fast-paced environment (Required) Knowledge of Loan Markets Association legal documentation (Preferred) Ability to link and apply general knowledge and macro events and how they relate to clients and our assessment of credit risk (Preferred) Soft Skills Excellent communication and interpersonal skills, with the ability to work collaboratively across deal teams and build effective internal and external stakeholder relationships Highly organised and detail-oriented, with resilience, sound judgement and the ability to manage competing priorities and deadlines in a fast-paced environment Proactive, accountable and eager to learn, with the confidence to seek feedback, take initiative and contribute positively to team performance and customer outcomes WE VALUE YOUR IMPACT At Santander, your contribution matters. We recognise the difference you make every day, and we make sure you feel valued, supported and rewarded in return. Here, recognition goes beyond pay. It’s about the pride you feel in your work, the impact you have on customers and communities, and the opportunities you have to grow and thrive — personally and professionally. Salary Range: £41,808.00 - £62,712.00 per annum (depending on experience) This salary range represents the expected remuneration for the role. Annual salary is based on a standard 35-hour working week. Actual salary offered will depend on skills, experience, qualifications and location. Competitive rewards that reflect the real impact you make and the value you bring. Wellbeing that goes beyond work — we work with a range of wellbeing partners across our 4 pillars of wellbeing (physical, mental, social and financial) to give you access to a suite of apps, discounted gym and fitness access, weekly online classes, flexible healthcare and mental health support. Support for every life stage — from menopause and pregnancy to parenthood and beyond, with enhanced family leave, childcare options and tailored wellbeing support. Time to give back through volunteering opportunities that let you make a difference in the communities we serve. Global growth opportunities to shape your career, learn new skills and explore what’s possible across our international network. Ready to be recognised? It starts with you. LOCAL COMPLIANCE At Santander, we’re proud to be an inclusive organisation that provides equal opportunities for everyone — regardless of age, gender, disability, civil status, race, religion or sexual orientation. We’re committed to creating a recruitment experience that’s accessible, fair and welcoming for all candidates. We want our people to thrive — at work and at home — while delivering the best outcomes for our customers and supporting each other to grow. To make this possible, our roles are site-based with a hybrid working pattern , where colleagues are expected to attend the office at least 12 days per month (pro-rata for part-time roles). When applying, please consider the travel distance, time and cost to your chosen office location(s). We welcome applications on the understanding that, should you be offered this role, there may be no relocation package available. Santander will pay the employer mandatory government fees that are required to pay in connection with visa sponsorship. You may be liable for your own personal employee immigration and relocation costs. WHAT TO DO NEXT If this sounds like a role you are interested in, then please apply. For further Guidance please visit Internal Mobility - Candidate Guidance . If you want to know more about the opportunity: Please contact Sue Stratton ([email protected]) #LI-DNI