Job Description

Corporate & Investment Banking Receivables Financing Associate

Country: United States of America

It Starts Here:

Santander is a global leader and innovator in the financial services industry and is evolving from a high-impact brand into a technology-driven organization. Our people are at the heart of this journey and 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.

If you are interested in exploring the possibilities We Want to Talk to You!

The Difference You Make:

Role Description:

• Structuring, pricing, and execution of trade receivables monetization transactions for Corporate and Investment Banking clients of Santander US.


• Act as advisor, consultant, and first point of contact for clients exploring methods to optimize their working capital through receivables solutions to meet their financing needs.


• Engage in the legal documentation negotiation of new and existing transactions in the receivable portfolio.


• Lead the internal approval process with the risk, middle office and other support areas.


• Engage with bankers, other products and areas to support the prospecting of new business origination and maintenance of existing book of transactions.

Key responsibilities:

• Structure and execute receivable financing transactions


• Coordinate stakeholders both internal (CDD, Compliance, Risks, Legal, IT, Compliance, Operations, Asset Distribution Team, etc.) and external (Legal firms, Insurers, brokers, etc.) to provide a best-in-class service and seamless end to end execution including client onboarding and due diligences process. 


• Contribute to the development of the Santander’s CIB receivable monetization capabilities.


• Manage portfolio by working with Trade Distribution team to optimize capital


• Grow business through developing new relationships and by maintaining and enhancing existing revenue streams.


• Ensure understanding of the Bank’s operating practices and governance and ensure these are followed in line with the guidelines. 


• Gather market intelligence for transactions, ensuring deal profitability is in line with the Bank’s capital models and presenting the transactions to the relevant credit and capital committees, where applicable.

What You Bring: 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.

Required Knowledge, Experience and Qualifications:

• Expertise with receivables monetization structures such as factoring, repos, and securitization, and the corresponding S&P methodologies.


• Experience with the legal execution and design of receivables purchase agreements and/or other legal documentation; to facilitate the sale, perfection, or financing of receivables and/or other assets.


• Understanding of the Uniform Commercial Code in the US and legal perfection in a variety of geographies.


• Familiarity with both EU and US banking regulation, particularly as it relates to corporate and securitization exposures and risk-weighted asset calculations.


• Knowledge of credit risk evaluation techniques for both corporates and securitizations.


• Significant financial statement and analysis knowledge (working capital cycle, cash flow forecasting, financial statement analysis, modelling etc.).


• Ability to explain IFRS and US-GAAP sale accounting.


• Basic understanding of common statistical concepts and modeling techniques such as normal distributions, monte carlo simulation, and linear regression.


• High motivation, proactivity, and accomplished business origination skills.


• 5+ years of experience in Structured Finance products or Receivable Finance with a minimum of 3 years in each.


• High level of presentation and organizational skills.


• Understanding the competitive market and the role of technology within Trade Finance.


• Capability to develop relationships inside the organization to collaborate across geographical boundaries.


• Bachelor’s degree, or equivalent


• English language proficiency. 

Desirable, But not Required

• Knowledge of other trade finance products (Payables / ECA / Doc Trade / Inventory Finance).


• Knowledge of ERP systems such as SAP / Oracle / Sage.


• Additional languages (particularly Spanish).


• Previous exposure to operational Trade Finance support areas (Middle Office, Back Office, Legal, Risk).


• Experience in the syndication of trade finance assets to buy-side investors.


• Chartered Certified Financial Analyst.

Certifications:

• No Certifications listed for this job.

It Would Be Nice For You To Have:

• Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.

Work Authorization & Sponsorship: Applicants must be legally authorized to work in the United States on a full-time basis without requiring employer sponsorship to commence employment. What Else You Need To Know:

The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location.

Base Pay Range:

Minimum:

$175,000.00 USD

Maximum:

$225,000.00 USD

We Value Your Impact:

Your contribution matters and it’s recognized. You can expect a fair and competitive rewards package that reflects the impact you create and the value you deliver. We know rewards go beyond numbers. Offering more than just a paycheck our benefits are designed to support you, your family and your well-being, now and into the future. [Santander Benefits - 2026 Santander OnGoing/NH eGuide (foleon.com)](

Risk Culture:

We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management.

EEO Statement:

At Santander, we value and respect differences in our workforce. 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 is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required.
**
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 your employment at any time for any reason.

What To Do Next :

If this sounds like a role you are interested in, then please apply.

We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at [TAOps@santander.us](mailto:TAOps@santander.us) to discuss your needs.

Job Tags

Hourly pay, Full time, Contract work, Work experience placement, Work at office, Shift work

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