Santander Consumer USA

Export & Agency Finance (EAF US) – Analyst

Santander Consumer USA$110K — $135K *
Finance & Insurance
Less than 5 years of experience
Job Overview by Ladders

Qualifications

  • Bachelor’s degree in Finance, Business, Economics, or related field
  • 1+ years of relevant experience in structured finance, export finance, project finance, or corporate banking
  • Strong financial modeling and analytical skills
  • Familiarity with ECA and/or Multilateral Agency financing structures preferred
  • Ability to operate effectively in a cross-border, multicultural environment
  • Strong communication skills

Responsibilities

  • Support the origination, structuring, and execution of EAF transactions.
  • Assist in transactions end-to-end, from initial pitch through closing, including preparation of presentations, term sheets, and credit materials.
  • Build and maintain financial models, including cash flow analysis and profitability metrics.
  • Coordinate with internal stakeholders (Coverage, Risk, Legal, Compliance, Markets, Syndication) across multiple geographies.
  • Contribute to credit approval processes, due diligence, and transaction documentation.
  • Monitor portfolio performance and stay up to date on market trends and geopolitical developments impacting the bank's clients.

Benefits

  • Fair and competitive rewards package that reflects the impact you create and the value you deliver.
  • Comprehensive benefits designed to support you and your family's well-being.
Full Job Description
Export & Agency Finance (EAF US) – Analyst

Country: United States of America

The Difference You Make:

Santander Corporate & Investment Banking (SCIB) is looking for an Analyst to join the Export & Agency Finance (EAF) team in the US.

This role offers exposure to complex international transactions across the US market, working closely with clients, Export Credit Agencies (ECAs) and internal teams globally.

Key Responsibilities

  • Support the origination, structuring, and execution of EAF transactions.

  • Assist in transactions end-to-end, from initial pitch through closing, including preparation of presentations, term sheets, and credit materials.

  • Build and maintain financial models, including cash flow analysis and profitability metrics.

  • Coordinate with internal stakeholders (Coverage, Risk, Legal, Compliance, Markets, Syndication) across multiple geographies.

  • Contribute to credit approval processes, due diligence, and transaction documentation.

  • Monitor portfolio performance and stay up to date on market trends and geopolitical developments impacting the bank's clients.

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.

Qualifications

  • Bachelor’s degree in Finance, Business, Economics, or related field

  • 1+ years of relevant experience in structured finance, export finance, project finance, or corporate banking

  • Strong financial modeling and analytical skills

  • Familiarity with ECA and/or Multilateral Agency financing structures preferred

  • Ability to operate effectively in a cross-border, multicultural environment

  • Strong communication skills

Preferred Qualifications

  • Experience working on client facing roles

  • Exposure to Export Credit Agencies, Multilateral Institutions (such as the World Bank Group), and/or Development Finance Institutions

  • Background in infrastructure, energy, or industrial sectors preferred

  • Prior experience in Structured Finance, Trade Finance or Syndications

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:

$110,000.00 USD

Maximum:

$135,000.00 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.

 

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 [email protected] to discuss your needs.

About Santander Consumer USA

Santander Consumer USA Holdings Inc. is a consumer finance company that provides auto loans and leases to customers across the United States. The company was founded in 1997 and is headquartered in Dallas, Texas. Santander Consumer USA is a subsidiary of Banco Santander, a Spanish multinational commercial bank. The company offers financing for new and used vehicles through a network of dealerships and online channels. Santander Consumer USA also provides personal loans and credit cards to its customers. The company has been recognized for its customer service and has won several awards in the auto finance industry.
Learn more about Santander Consumer USA
Size
198,204 employees
Market Cap
$49.8 billion
Industry
Net Income
$910.9 million
Founded
1997
5 Year Trend
-3.4%
Revenue
$8.1 billion
NASDAQ

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