Middle Office Lending - Commercial & Wholesale Operations, VP

It Starts Here

Santander is a global leader and innovator in the financial services industry and is evolving from a high-impact brand into a technology-driven organization. Our people are at the heart of this journey and together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible. This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference.

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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.

• 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.

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.

• 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
  .

• 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.

• No Certifications listed for this job.

• Established work…