Middle Office Lending - Commercial & Wholesale Operations, VP

Middle Office Lending - Commercial & Wholesale Operations, VP

Country: United States of America

Your Journey Starts Here:

Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success.

An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You!

The Difference You Make:

The Vice President – Middle Office Lending, Commercial & Wholesale Operations plays a critical role in supporting multiple Lending Product Teams across loan closing, distribution, and full lifecycle management activities. This includes interpreting credit agreements, establishing loan structures within internal systems, confirming approvals and regulatory adherence, and performing complex calculations, reconciliations, and remediations across commercial loan, supply chain finance, and letter of credit products.

The VP is a key liaison for internal partners and clients, maintaining strong relationships and ensuring seamless execution throughout new loan origination, modifications, and extensions.

Key Responsibilities

• Provide daily leadership and guidance for the Middle Office team in the absence of the manager.
• Collaborate with front-office, credit, legal, and back-office teams to ensure flawless execution of transactions.
• Perform a variety of non-routine and complex Middle Office tasks that support lending delivery and product lifecycle execution.
• Serve as a subject matter expert, offering procedural knowledge and support to less experienced staff.
• Resolve issues escalated by junior team members and independently manage complex loan closings.
• Research and address sophisticated questions to determine the best course of action and ensure accuracy and compliance.
• Train new employees on systems, procedures, workflows, and best practices.
• Identify opportunities for workflow enhancements and propose updates to policies and procedures.
• Represent the Middle Office in governance forums, issue remediation meetings, operational risk discussions, and audits.
• Perform additional responsibilities requiring advanced expertise and judgment.

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.

• Bachelor's Degree or equivalent work experience: Business or equivalent degree. - Required.

• 9+ Years Experience managing commercial relationships. - Required.

Required Qualifications & Experience

• Bachelor’s degree in Business or related field, or equivalent professional experience.
• 7+ years of experience in commercial lending support or Middle Office functions.
• Strong expertise in Syndicated and Commercial Lending products and markets, including loans, supply chain finance, and letters of credit.
• Ability to review and interpret legal documentation for these products.
• Solid understanding of banking regulations and standard market practices.
• In-depth knowledge of initiatives aimed at streamlining and automating Middle Office processes.

Skills & Competencies

• Excellent written and verbal communication skills, with the ability to explain complex concepts clearly and concisely.
• Strong organizational skills, attention to detail, and the ability to consistently meet deadlines.
• High proficiency in Microsoft Office Suite, workflow tools, and lending systems; experience with AI tools is helpful.
• Ability to adapt quickly, collaborate effectively, and contribute to a high-performing team environment.
• Comfortable working in an evolving environment with shifting priorities and new technologies.
• Demonstrated ability to assess workflows, recommend improvements, and help implement structural or procedural changes

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.
• Experience in Microsoft Office products.

This is a hybrid position (3 days/week in office), in our Miami, FL location.

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.

$97,500.00 USD$165,000.00 USD

Link to Santander Benefits:

Santander Benefits - 2025 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 to discuss your needs.