The Difference You Make:

Santander's Dealer Commercial Services ("DCS") delivers integrated capital and banking solutions to automotive dealers nationwide, including floorplan financing, syndicated lending, commercial real estate, treasury, merchant services, and other commercial banking capabilities. The Portfolio Management Associate support DCS by managing dealer relationships, monitoring portfolio performance, assessing risk, and collaborating cross-functionally to support deal structuring and ongoing portfolio oversight.

Position Summary

• Manage dealer relationships and serve as the primary day-to-day servicing contact, responding to inquiries and resolving billing discrepancies and other account issues.

• Maintain loan documentation and financial records in nCino/DocMan, ensuring accuracy, completeness, and timely portfolio data updates.

• Monitor portfolio performance, covenant compliance, delinquency trends, maturities, and other risk indicators, and escalate material concerns to senior leadership.

• Collect, review, and maintain borrower financial reporting, including monthly, quarterly, and annual submissions.

• Perform financial spreading, ongoing credit analysis, and portfolio-level risk review to support informed decision-making.

• Review daily operational and risk reports, including overdrafts, floorplan overline/UGL, duplicate VINs, and related exceptions, and take appropriate action.

• Coordinate resolution of loan documentation issues, due diligence items, waivers, exceptions, and post-close requirements.

• Support audit activities, floorplan audits, QC/CRR inquiries, lien releases, borrower notices, and other portfolio administration needs.

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.

Education

• Bachelor’s Degree in related field or equivalent demonstrated through a combination of work experience, training, military service, or education - Required.

• Master's Degree in related field or equivalent demonstrated through a combination of work experience, training, military service, or education - Preferred.

Professional Experience

• 5+ years of Risk, Consumer Operations, Internal Controls, or related experience in the Financial Services Industry – Required.

• Experience in commercial lending, floorplan financing, or portfolio management – Preferred.

• Experience working in a fast-paced environment with multiple priorities and strict deadlines.

• Experience supporting dealer-facing servicing, portfolio oversight, credit administration, or related activities.

Skills

• Financial analysis and credit analysis.

• Risk assessment and control design to mitigate risk.

• Financial spreading and portfolio monitoring.

• Loan system experience, including nCino or similar platforms.

• Microsoft Office proficiency.

• Strong analytical, problem-solving, and critical thinking skills.

• Excellent written and verbal communication skills.

• Strong organizational skills and attention to detail.

• Ability to multi-task, adapt to changing circumstances, and work with urgency.

• Ability to lead, influence, and build strong internal relationships.

• Strong project management skills.

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:

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.