Dealer Commercial Services Syndications Portfolio Management Associate

About the role

Santander’s Dealer Commercial Services (DCS) team provides integrated capital and banking solutions to automotive dealers across the United States. The Portfolio Management Associate supports DCS by managing dealer relationships, monitoring portfolio performance, and ensuring risk compliance.

Key responsibilities

• Serve as the primary day‑to‑day contact for dealers, handling inquiries and resolving billing discrepancies.
• Maintain loan documentation and financial records in nCino/DocMan, ensuring accuracy and timely updates.
• Monitor portfolio performance, covenant compliance, delinquency trends, maturities and other risk indicators; escalate material concerns to senior leadership.
• Collect, review and maintain borrower financial reporting (monthly, quarterly, annual).
• Perform financial spreading, ongoing credit analysis, and portfolio‑level risk reviews.
• Review daily operational and risk reports (overdrafts, floorplan overline/UGL, duplicate VINs, 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 and other portfolio administration tasks.

Required profile

• Bachelor’s degree in a related field or equivalent experience.
• Master’s degree is a plus.
• Ability to perform all essential duties and accommodate reasonable accommodations for disabilities.

Required skills

• Proficiency with nCino.
• Experience using DocMan.
• Strong financial analysis and credit analysis capabilities.