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Credit Training Analyst Program (for graduating university/college Seniors) Full-time

at Santander Bank in Massachusetts (Published at 12-02-2019)

Credit Training Analyst Program (for graduating university/college Seniors)-1900912



We are looking for future leaders to join Santander?s unique, one year, comprehensive Commercial Credit Training Program (SCCTP) based in historic Boston, Massachusetts. In the role you will learn the critical analytical and communication skills to develop a career with a rapidly growing Global financial services firm. With assets of $1.7 trillion Banco Santander S.A. is one of the top 10 Banks worldwide. The US operation with $139 billion in assets is headquartered in Boston with offices across the United States.

You will start your journey as a Credit Analyst and join other program colleagues for 2 months of intensive credit training and a 10 month immersive rotational program. Following graduation at the end of 12 months, placement is within the Commercial Bank based upon business need. SCCTP?s credit curriculum is rigorous and provides foundational technical underwriting skills. Rotations provide the practical experience working in deal teams on live transactions for real clients across the Commercial lines of business, including Corporate Banking, Specialty Lending, Leveraged Finance, International, Asset Based Lending, Loan Capital Markets and Commercial Real Estate. Continuous education, a speaker series, mentoring and group community volunteering are part of the training program. The program offers unparalleled exposure to the Executive Leadership Team.

We seek exceptional candidates with an analytical mindset, intellectual curiosity, communication and teamwork skills ready to play an important role in a collaborative, fast paced deal team environment to help deliver solutions for our clients. Working at Santander you will engage in a high performance culture, with the goal of building lasting loyalty with our clients.


Santander Bank US is a subsidiary of Madrid-based Banco Santander, S.A., the largest retail and commercial bank in the Eurozone and the # 1 financial institution in Latin America. Founded in 1857, with over 200,000 employees and 140 million customers, Banco Santander operates in over 40 countries. In the United States Santander?s accelerated growth leverages the firm?s world class global capabilities.


Santander?s Commercial Banking Division is an active provider of Capital, Treasury Management, and Risk Management solutions to thousands of middle market and mid-corporate companies across the U.S. In addition, Santander?s significant international presence in regions around the world uniquely positions the Bank to help companies grow their businesses. Commercial Banking has product and industry sector expertise in the following areas: Technology, Media, Telecommunications, Commercial Real Estate, Asset Based lending, Cash Flow lending, Leveraged Finance, Equipment Leasing, Automotive Dealer Finance, Food and Beverage, Healthcare, Energy, Education, and Government Banking.


Graduation from the Program requires the SCCTP Trainee to pass all requirements including: requisite examinations, individual and group assessments during the classroom training, and all Continuous Education.

Credit Analysts will have the following responsibilities:

1. Complete the Commercial Credit Training Program (SCCTP) curriculum
2. Perform credit analysis and underwriting on all new deals, renewals and modifications and verify compliance with credit policy
3. Conduct due diligence on customers, industries and markets to identify key business drivers and risks
4. Assist in the preparation of valuation and capital structure analysis in conjunction with credit approvals for new and existing clients
5. Assist with legal closing process, preparing, reviewing, and validating documentation, ensuring compliance and conditions are met
6. Communicate with all deal team members including: origination, underwriting, credit risk management, monitoring, and loan closing
7. Monitor and assess client financials, collateral, loan covenants and risk ratings on a periodic basis
8. Assess and formally review client Risk through periodic Portfolio Reviews, Internal Audits, External Audits, and ad-hoc reviews
9. Continuously monitor client financials/information to ensure performance to financial plan and compliance with credit agreement
10. Prepare credit approval document and assist deal team in deal screen and approval meetings
11. Prepare customer risk rating and financial statement analysis



  • Currently an undergraduate student enrolled at a College or University
  • Expected graduation in May 2019
  • Cumulative GPA of 3.5 or above
  • Majoring in Business Administration, Accounting, Finance, Economics or related major
  • Experience: Demonstrated work ethic and proficiency in both academics, internships, extracurricular activities, and relevant leadership positions
  • Demonstrated track record in the following qualities: intellectual curiosity, commitment to excellence, burning drive to success, perseverance, resiliency, and management by fact


  • Effective verbal/written communication and interpersonal skills
  • Proficiency in Microsoft Word, Excel, PowerPoint
  • Strong organizational and administrative skills. Ability to Multi-task
  • Strong attention to detail and work ethic
  • Ability to work well in teams
  • Able to ask pointed questions, exhibit high standards and pay close attention to detail; open to challenges and new learning experiences; possess a positive attitude



Primary Location

:Massachusetts-Boston-28 State Street - 06560 - 28 State Street


:Commercial Banking (4700)



Job Posting

:Feb 11, 2019, 3:14:23 PM

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