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Chief Financial Officer
NAIS Washington, Washington DC
Position Summary The Chief Financial Officer (CFO) is a key member of the NAIS senior leadership team, responsible for the strategic direction, oversight, and integrity of the organization's financial operations. Reporting to the President, the CFO leads the Finance and Accounting team and partners with other departments to ensure financial sustainability, compliance, and alignment with NAIS's mission and strategic goals. The CFO oversees accounting, budgeting, financial reporting, investments, financial planning and analysis, audits, and financial systems, as well as risk management with the general counsel and management team, while fostering a culture of accountability, transparency, and continuous improvement. Responsibilities: Strategic Financial Leadership Lead long-term financial planning, forecasting, and modeling to support strategic decision-making. Serve as a key advisor to the President and senior leadership on financial strategy, risk management, and sustainability. Present financial reports and recommendations to the Board of Trustees and relevant committees. Collaborate with department heads to align financial planning with organizational priorities. Financial Operations & Compliance Oversee all accounting functions including general ledger, accounts payable/receivable, payroll, and monthly close. Ensure compliance with GAAP, IRS regulations (including Form 990), and multi-state tax requirements. Manage the annual audit process and relationships with external auditors and financial institutions. Maintain and enhance internal controls and financial policies to safeguard organizational assets. Budgeting & Reporting Lead the development and monitoring of the annual operating and capital budgets. Provide timely, accurate, and accessible financial reports to internal and external stakeholders. Promote fiscal transparency and financial literacy across departments. Investment & Cash Management Monitor cash flow and manage short-term investments to optimize returns. Oversee the organization's investment portfolio in accordance with Board policy. Team Leadership & Systems Oversight Supervise and develop the finance and administration team, including the Controller, AR/AP/Payroll Managers, and Assistant Controller. Ensure effective use and continuous improvement of financial systems (e.g., Sage Intacct, ADP, Salesforce, PN3, Ramp). Foster a collaborative, service-oriented team culture. Other responsibilities related to financial operations and management as assigned. Qualifications: Bachelor's degree in Accounting, Finance, or related field (CPA or MBA preferred). Minimum 10 years of progressive financial leadership experience, preferably in an association, nonprofit or education-related organization. Demonstrated experience in strategic planning, budgeting, audit management, and compliance. Experience supervising, coaching, and developing employees. Strong interpersonal, communication, and team-building skills. Proficiency in financial systems and data tools (e.g., Excel, Power BI, Sage Intacct, ADP). Preferred skills and Qualifications: Demonstrated experience in managing a comprehensive insurance portfolio, including evaluating coverage needs, negotiating policies, and overseeing claims processes, with a proven ability to develop and implement risk mitigation strategies that reduce financial exposure and support organizational resilience. Partnered with the Legal team to ensure organizational compliance with risk management requirements and maintain timely execution of insurance renewals. Competencies: Strategic Thinking & Business Acumen: Ability to align financial strategy with organizational goals. Financial Stewardship & Risk Management: Ensures compliance and protects organizational assets. Leadership & Team Development: Builds and motivates high-performing teams. Communication & Collaboration: Communicates complex financial information clearly to diverse audiences. Integrity & Accountability: Demonstrates ethical leadership and sound judgment. Operational Excellence & Innovation: Continuously improves systems and processes. Position Attributes HR Role: Management Team Status & Classification: Regular, Full-time, Exempt Business Unit: Finance & Accounting Team Supervisor: President Location: Remote in the United States with preference for candidates located near NAIS headquarters in Washington, DC Physical Requirements: This position primarily involves sedentary work and requires the ability to operate a computer and other office equipment. The CFO must be able to communicate effectively in person, over video conferencing, and via phone and email. Occasional travel may be required for meetings, conferences, or visits to the organization's headquarters. Travel: Some travel is required for this role, including attendance at conferences, organizational events, and visits to our DC headquarters. Candidates located outside the Washington, DC area may be expected to travel more frequently to support collaboration and engagement with the team. Travel needs may vary based on business priorities. The National Association of Independent Schools (NAIS) provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, personal appearance, marital status, family responsibilities, political affiliation, matriculation, or status as a covered veteran in accordance with applicable federal, state and local laws. Disclaimer: This document describes the position currently available. It is not an employment contract. NAIS reserves the right to modify job duties or job descriptions at any time, as determined by the needs of the organization.PandoLogic. Category:Finance, Location:Washington, DC-20251
12/12/2025
Full time
Position Summary The Chief Financial Officer (CFO) is a key member of the NAIS senior leadership team, responsible for the strategic direction, oversight, and integrity of the organization's financial operations. Reporting to the President, the CFO leads the Finance and Accounting team and partners with other departments to ensure financial sustainability, compliance, and alignment with NAIS's mission and strategic goals. The CFO oversees accounting, budgeting, financial reporting, investments, financial planning and analysis, audits, and financial systems, as well as risk management with the general counsel and management team, while fostering a culture of accountability, transparency, and continuous improvement. Responsibilities: Strategic Financial Leadership Lead long-term financial planning, forecasting, and modeling to support strategic decision-making. Serve as a key advisor to the President and senior leadership on financial strategy, risk management, and sustainability. Present financial reports and recommendations to the Board of Trustees and relevant committees. Collaborate with department heads to align financial planning with organizational priorities. Financial Operations & Compliance Oversee all accounting functions including general ledger, accounts payable/receivable, payroll, and monthly close. Ensure compliance with GAAP, IRS regulations (including Form 990), and multi-state tax requirements. Manage the annual audit process and relationships with external auditors and financial institutions. Maintain and enhance internal controls and financial policies to safeguard organizational assets. Budgeting & Reporting Lead the development and monitoring of the annual operating and capital budgets. Provide timely, accurate, and accessible financial reports to internal and external stakeholders. Promote fiscal transparency and financial literacy across departments. Investment & Cash Management Monitor cash flow and manage short-term investments to optimize returns. Oversee the organization's investment portfolio in accordance with Board policy. Team Leadership & Systems Oversight Supervise and develop the finance and administration team, including the Controller, AR/AP/Payroll Managers, and Assistant Controller. Ensure effective use and continuous improvement of financial systems (e.g., Sage Intacct, ADP, Salesforce, PN3, Ramp). Foster a collaborative, service-oriented team culture. Other responsibilities related to financial operations and management as assigned. Qualifications: Bachelor's degree in Accounting, Finance, or related field (CPA or MBA preferred). Minimum 10 years of progressive financial leadership experience, preferably in an association, nonprofit or education-related organization. Demonstrated experience in strategic planning, budgeting, audit management, and compliance. Experience supervising, coaching, and developing employees. Strong interpersonal, communication, and team-building skills. Proficiency in financial systems and data tools (e.g., Excel, Power BI, Sage Intacct, ADP). Preferred skills and Qualifications: Demonstrated experience in managing a comprehensive insurance portfolio, including evaluating coverage needs, negotiating policies, and overseeing claims processes, with a proven ability to develop and implement risk mitigation strategies that reduce financial exposure and support organizational resilience. Partnered with the Legal team to ensure organizational compliance with risk management requirements and maintain timely execution of insurance renewals. Competencies: Strategic Thinking & Business Acumen: Ability to align financial strategy with organizational goals. Financial Stewardship & Risk Management: Ensures compliance and protects organizational assets. Leadership & Team Development: Builds and motivates high-performing teams. Communication & Collaboration: Communicates complex financial information clearly to diverse audiences. Integrity & Accountability: Demonstrates ethical leadership and sound judgment. Operational Excellence & Innovation: Continuously improves systems and processes. Position Attributes HR Role: Management Team Status & Classification: Regular, Full-time, Exempt Business Unit: Finance & Accounting Team Supervisor: President Location: Remote in the United States with preference for candidates located near NAIS headquarters in Washington, DC Physical Requirements: This position primarily involves sedentary work and requires the ability to operate a computer and other office equipment. The CFO must be able to communicate effectively in person, over video conferencing, and via phone and email. Occasional travel may be required for meetings, conferences, or visits to the organization's headquarters. Travel: Some travel is required for this role, including attendance at conferences, organizational events, and visits to our DC headquarters. Candidates located outside the Washington, DC area may be expected to travel more frequently to support collaboration and engagement with the team. Travel needs may vary based on business priorities. The National Association of Independent Schools (NAIS) provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, personal appearance, marital status, family responsibilities, political affiliation, matriculation, or status as a covered veteran in accordance with applicable federal, state and local laws. Disclaimer: This document describes the position currently available. It is not an employment contract. NAIS reserves the right to modify job duties or job descriptions at any time, as determined by the needs of the organization.PandoLogic. Category:Finance, Location:Washington, DC-20251
Senior Commercial Counsel
Integrity Marketing Shared Services Center Dallas, Texas
Senior Commercial Counsel Location: Dallas, Texas (hybrid) Role Overview Integrity is seeking a Senior Commercial Counsel to join our fast-growing team. Reporting to the Corporate Counsel, this role is instrumental in supporting our strategic objectives by delivering practical legal solutions and collaborating with business stakeholders and outside counsel. Key Responsibilities Draft, negotiate, and review complex commercial agreements (supplier/vendor, SaaS, real estate, IP licensing and sublicensing, intercompany, marketing, carrier, agent, and more). Manage and update contract checklists, templates and playbooks, incorporating industry best practices. Advise on contractual, legal and corporate matters to support company objectives and strategic goals. Support the implementation and customization of new CLM systems. Entity management, including overseeing the integration process for newly acquired entities and assisting with wind-down of inactive entities. Manage annual corporate insurance renewal process. Provide organizational policy reviews. Assist with M&A overflow and corporate governance matters as needed. Provide pre-litigation legal support regarding commercial contract disputes. Develop scalable legal support processes, leveraging AI and workflow improvements. Collaborate with internal stakeholders, legal team members, and outside counsel. Provide legal guidance and support to 200+ subsidiary entities. Enhance contract support efficiency and consistency, ensuring compliance with best practices. Perform additional duties as assigned. Qualifications JD from an accredited law school; excellent academic credentials. Active license and good standing with the State Bar of Texas or another state bar. Minimum 7 years of transactional legal experience in a law firm and/or in-house setting. Extensive experience in drafting, reviewing, and negotiating commercial agreements. Familiarity with contract lifecycle management, related software, and AI-assisted review. Knowledge of contract law, confidentiality, data security, privacy, intellectual property, and preferably insurance industry/HIPAA regulations. Exceptional professionalism, business judgment, and attention to detail. Ability to manage multiple priorities in a fast-paced environment. Excellent written and verbal communication skills. Motivated self-starter with a strong work ethic and collaborative mindset. Why Integrity? Join a dynamic legal team at one of the fastest-growing companies in the U.S., where your expertise will help shape our future. About Integrity Integrity is one of the nation's leading independent distributors of life, health and wealth insurance products. With a strong insurtech focus, we embrace a broad and innovative approach to serving agents and clients alike. Integrity is driven by a singular purpose: to help people protect their life, health and wealth so they can prepare for the good days ahead. Integrity offers you the opportunity to start a career in a family-like environment that is rewarding and cutting edge. Why? Because we put our people first! At Integrity, you can start a new career path at company you'll love, and we'll love you back. We're proud of the work we do and the culture we've built, where we celebrate your hard work and support you daily. Joining us means being part of a hyper-growth company with tons of professional opportunities for you to accelerate your career. Integrity offers our people a competitive compensation package, including benefits that make work more fun and give you and your family peace of mind. Headquartered in Dallas, Texas, Integrity is committed to meeting Americans wherever they are - in person, over the phone or online. Integrity's employees support hundreds of thousands of independent agents who serve the needs of millions of clients nationwide. For more information, visit . Integrity, LLC is an Equal Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender identity, national origin, disability, veteran status, or any other characteristic protected by federal, state, or local law. In addition, Integrity, LLC will provide reasonable accommodations for qualified individuals with disabilities. PandoLogic. Category:Legal,
12/12/2025
Full time
Senior Commercial Counsel Location: Dallas, Texas (hybrid) Role Overview Integrity is seeking a Senior Commercial Counsel to join our fast-growing team. Reporting to the Corporate Counsel, this role is instrumental in supporting our strategic objectives by delivering practical legal solutions and collaborating with business stakeholders and outside counsel. Key Responsibilities Draft, negotiate, and review complex commercial agreements (supplier/vendor, SaaS, real estate, IP licensing and sublicensing, intercompany, marketing, carrier, agent, and more). Manage and update contract checklists, templates and playbooks, incorporating industry best practices. Advise on contractual, legal and corporate matters to support company objectives and strategic goals. Support the implementation and customization of new CLM systems. Entity management, including overseeing the integration process for newly acquired entities and assisting with wind-down of inactive entities. Manage annual corporate insurance renewal process. Provide organizational policy reviews. Assist with M&A overflow and corporate governance matters as needed. Provide pre-litigation legal support regarding commercial contract disputes. Develop scalable legal support processes, leveraging AI and workflow improvements. Collaborate with internal stakeholders, legal team members, and outside counsel. Provide legal guidance and support to 200+ subsidiary entities. Enhance contract support efficiency and consistency, ensuring compliance with best practices. Perform additional duties as assigned. Qualifications JD from an accredited law school; excellent academic credentials. Active license and good standing with the State Bar of Texas or another state bar. Minimum 7 years of transactional legal experience in a law firm and/or in-house setting. Extensive experience in drafting, reviewing, and negotiating commercial agreements. Familiarity with contract lifecycle management, related software, and AI-assisted review. Knowledge of contract law, confidentiality, data security, privacy, intellectual property, and preferably insurance industry/HIPAA regulations. Exceptional professionalism, business judgment, and attention to detail. Ability to manage multiple priorities in a fast-paced environment. Excellent written and verbal communication skills. Motivated self-starter with a strong work ethic and collaborative mindset. Why Integrity? Join a dynamic legal team at one of the fastest-growing companies in the U.S., where your expertise will help shape our future. About Integrity Integrity is one of the nation's leading independent distributors of life, health and wealth insurance products. With a strong insurtech focus, we embrace a broad and innovative approach to serving agents and clients alike. Integrity is driven by a singular purpose: to help people protect their life, health and wealth so they can prepare for the good days ahead. Integrity offers you the opportunity to start a career in a family-like environment that is rewarding and cutting edge. Why? Because we put our people first! At Integrity, you can start a new career path at company you'll love, and we'll love you back. We're proud of the work we do and the culture we've built, where we celebrate your hard work and support you daily. Joining us means being part of a hyper-growth company with tons of professional opportunities for you to accelerate your career. Integrity offers our people a competitive compensation package, including benefits that make work more fun and give you and your family peace of mind. Headquartered in Dallas, Texas, Integrity is committed to meeting Americans wherever they are - in person, over the phone or online. Integrity's employees support hundreds of thousands of independent agents who serve the needs of millions of clients nationwide. For more information, visit . Integrity, LLC is an Equal Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender identity, national origin, disability, veteran status, or any other characteristic protected by federal, state, or local law. In addition, Integrity, LLC will provide reasonable accommodations for qualified individuals with disabilities. PandoLogic. Category:Legal,
Senior HR Generalist
Zoltek-Toray Group Saint Louis, Missouri
Senior HR Generalist Title: Senior HR Generalist Classification: Exempt / Full Time Reports To: US HR Manager Location: Corporate Headquarters - Bridgeton, MO Date: November 5, 2025 Job Summary: The Senior HR Generalist delivers strategic and hands-on HR support across U.S. sites, overseeing recruitment, onboarding, engagement, compliance, and employee relations. This role partners with leadership to drive talent strategies, enhance employee experience, and support data-driven HR initiatives. This position requires an extremely self-motivated and detail-oriented person who can navigate multiple priorities by using strong organizational and communication skills. Job Responsibilities and Duties: Manage full-cycle recruitment and selection for professional-level positions across all U.S. sites, including workforce planning, vacancy identification, job description development, requisition creation, job postings, candidate screening, interview coordination, and offer letter preparation. Partner closely with hiring managers to ensure alignment with business needs and deliver high-quality candidate experience. Manage and administer comprehensive onboarding and orientation programs for professionals, ensuring a seamless transition into the organization. Facilitate engaging sessions that communicate company culture and policies, while coordinating cross-functional involvement to enhance new hire experience and early engagement. Monitor and manage company reviews on job sites such as Glassdoor and Indeed; analyze trends in employee feedback, respond appropriately to comments when applicable, and collaborate with leadership to address reputational concerns and enhance employer branding. Cultivate strategic partnerships with universities, community organizations, and professional networks to support talent pipeline development; manage the company's internship and co-op programs from recruitment through completion, ensuring meaningful experiences that align with organizational goals and promote long-term engagement. Work closely with management and employees to improve work relationships, build morale, increase productivity and retention, and identify, create, and implement retention strategies. Track and report key HR metrics such as turnover rates, time-to-fill, cost to hire, and absenteeism to identify trends and guide strategic initiatives. Adept in ADP Workforce Now reporting tools to extract, analyze, and present HR data related to headcount, turnover, compensation, and compliance; utilize custom reports and dashboards to support strategic decision-making and ensure data integrity across HR functions. Apply Korn Ferry "Hay Group" job evaluation methodology to assess and manage job levels, ensuring internal equity and alignment with organizational structure; support compensation benchmarking and career pathing through accurate Hay point assignments and reference level calibration. Lead the Social Committee in planning and executing employee engagement events, recognition programs, and wellness initiatives that foster a positive workplace culture. Coordinate logistics, manage budgets, and collaborate cross-functionally to ensure successful execution and high participation. Ensure organizational compliance with federal, state, and local employment laws and regulations, including FMLA, ADA, FLSA, EEO, and OSHA; proactively monitor legislative changes and implement necessary policy updates. Interprets employment law to managers, supervisors, and employees. Partner with outside legal counsel and internal compliance department as needed. Develop, update, and maintain the employee handbook, HR policies, and procedures to ensure compliance with current employment laws and alignment with company culture; communicate changes effectively across the organization and provide guidance to managers and employees on policy interpretation. Advise and train managers in best employee relations practices and strategies for managing complaints, mentoring, and developing employees. Identify risks and challenges to the employee/manager relationship. Recommend and develop training to meet employee needs and business objectives. Respond to employee relations issues including complaints, harassment allegations, and civil rights concerns. Conduct thorough, objective investigations with detailed documentation and recommend appropriate corrective actions. Support managers in administering disciplinary processes and Performance Improvement Plans (PIPs), ensuring consistency with company policy and minimizing conflict. Provide counsel and guidance throughout resolution efforts. Serve as the primary point of contact for all workers' compensation matters. Responsible for managing claims, coordinating with insurance providers, ensuring compliance with state and federal regulations, and supporting employees through the claims process. Conduct and analyze exit interviews to identify trends, uncover root causes of employee turnover, and provide actionable insights to leadership Develop, implement, and maintain Affirmative Action Plans (AAP) in compliance with OFCCP regulations; conduct workforce analysis, monitor hiring and promotion practices, and prepare annual reports to support diversity, equity, and inclusion goals. Oversee internal HR audits to ensure compliance with company policies and employment regulations; review documentation, identify gaps, and implement corrective actions to mitigate risk and maintain audit readiness. Draft, coordinate, and distribute organizational announcements including promotions, new hires, policy updates, and company-wide communications Other duties as assigned. Qualifications: Bachelor's Degree in Human Resources, Business Administration, or related field Minimum 5 years of progressive experience in an HR Generalist capacity; emphasis in recruitment/ talent management preferred. HR Certification Institute or Society of Human Resources certification(s) preferred; PHR or SHRM-CP preferred. Proficiency in ADP Workforce Now preferred Familiarity with job evaluation systems such as Hay Group Confident and approachable representative of Zoltek's culture and values; comfortable serving as the face of the organization in employee engagement activities, social events, and internal communications, fostering trust and connection across all levels of the organization High level ability to create presentations, charts, graphs and spreadsheets. Ability to exercise good judgment and strong decision-making capability in a variety of situations. High level of discretion and integrity in handling confidential information Ability to remain tactful, calm, and persuasive in controversial and/or confrontational situations. Strong organizational skills and attention to detail Strong project management and ability to lead cross-functional initiatives Strong written and verbal communication skills, conflict resolution, and interpersonal skills Proficiency with Microsoft Office (Outlook, Word, Excel, and Power Point) Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of the job. Intermittent physical activity including bending, reaching, and prolonged periods of sitting. Employee is regularly required to use hands to finger, handle, or feel. Work Environment: The work environment characteristics described below are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Office Environment Manufacturing environment which contains noise, moving mechanical parts and fumes or airborne particles Zoltek is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, gender identity, sex, sexual orientation or expression, religion, national origin, marital status, age, disability, veteran status or any other protected status. PIbb20-4368
12/12/2025
Full time
Senior HR Generalist Title: Senior HR Generalist Classification: Exempt / Full Time Reports To: US HR Manager Location: Corporate Headquarters - Bridgeton, MO Date: November 5, 2025 Job Summary: The Senior HR Generalist delivers strategic and hands-on HR support across U.S. sites, overseeing recruitment, onboarding, engagement, compliance, and employee relations. This role partners with leadership to drive talent strategies, enhance employee experience, and support data-driven HR initiatives. This position requires an extremely self-motivated and detail-oriented person who can navigate multiple priorities by using strong organizational and communication skills. Job Responsibilities and Duties: Manage full-cycle recruitment and selection for professional-level positions across all U.S. sites, including workforce planning, vacancy identification, job description development, requisition creation, job postings, candidate screening, interview coordination, and offer letter preparation. Partner closely with hiring managers to ensure alignment with business needs and deliver high-quality candidate experience. Manage and administer comprehensive onboarding and orientation programs for professionals, ensuring a seamless transition into the organization. Facilitate engaging sessions that communicate company culture and policies, while coordinating cross-functional involvement to enhance new hire experience and early engagement. Monitor and manage company reviews on job sites such as Glassdoor and Indeed; analyze trends in employee feedback, respond appropriately to comments when applicable, and collaborate with leadership to address reputational concerns and enhance employer branding. Cultivate strategic partnerships with universities, community organizations, and professional networks to support talent pipeline development; manage the company's internship and co-op programs from recruitment through completion, ensuring meaningful experiences that align with organizational goals and promote long-term engagement. Work closely with management and employees to improve work relationships, build morale, increase productivity and retention, and identify, create, and implement retention strategies. Track and report key HR metrics such as turnover rates, time-to-fill, cost to hire, and absenteeism to identify trends and guide strategic initiatives. Adept in ADP Workforce Now reporting tools to extract, analyze, and present HR data related to headcount, turnover, compensation, and compliance; utilize custom reports and dashboards to support strategic decision-making and ensure data integrity across HR functions. Apply Korn Ferry "Hay Group" job evaluation methodology to assess and manage job levels, ensuring internal equity and alignment with organizational structure; support compensation benchmarking and career pathing through accurate Hay point assignments and reference level calibration. Lead the Social Committee in planning and executing employee engagement events, recognition programs, and wellness initiatives that foster a positive workplace culture. Coordinate logistics, manage budgets, and collaborate cross-functionally to ensure successful execution and high participation. Ensure organizational compliance with federal, state, and local employment laws and regulations, including FMLA, ADA, FLSA, EEO, and OSHA; proactively monitor legislative changes and implement necessary policy updates. Interprets employment law to managers, supervisors, and employees. Partner with outside legal counsel and internal compliance department as needed. Develop, update, and maintain the employee handbook, HR policies, and procedures to ensure compliance with current employment laws and alignment with company culture; communicate changes effectively across the organization and provide guidance to managers and employees on policy interpretation. Advise and train managers in best employee relations practices and strategies for managing complaints, mentoring, and developing employees. Identify risks and challenges to the employee/manager relationship. Recommend and develop training to meet employee needs and business objectives. Respond to employee relations issues including complaints, harassment allegations, and civil rights concerns. Conduct thorough, objective investigations with detailed documentation and recommend appropriate corrective actions. Support managers in administering disciplinary processes and Performance Improvement Plans (PIPs), ensuring consistency with company policy and minimizing conflict. Provide counsel and guidance throughout resolution efforts. Serve as the primary point of contact for all workers' compensation matters. Responsible for managing claims, coordinating with insurance providers, ensuring compliance with state and federal regulations, and supporting employees through the claims process. Conduct and analyze exit interviews to identify trends, uncover root causes of employee turnover, and provide actionable insights to leadership Develop, implement, and maintain Affirmative Action Plans (AAP) in compliance with OFCCP regulations; conduct workforce analysis, monitor hiring and promotion practices, and prepare annual reports to support diversity, equity, and inclusion goals. Oversee internal HR audits to ensure compliance with company policies and employment regulations; review documentation, identify gaps, and implement corrective actions to mitigate risk and maintain audit readiness. Draft, coordinate, and distribute organizational announcements including promotions, new hires, policy updates, and company-wide communications Other duties as assigned. Qualifications: Bachelor's Degree in Human Resources, Business Administration, or related field Minimum 5 years of progressive experience in an HR Generalist capacity; emphasis in recruitment/ talent management preferred. HR Certification Institute or Society of Human Resources certification(s) preferred; PHR or SHRM-CP preferred. Proficiency in ADP Workforce Now preferred Familiarity with job evaluation systems such as Hay Group Confident and approachable representative of Zoltek's culture and values; comfortable serving as the face of the organization in employee engagement activities, social events, and internal communications, fostering trust and connection across all levels of the organization High level ability to create presentations, charts, graphs and spreadsheets. Ability to exercise good judgment and strong decision-making capability in a variety of situations. High level of discretion and integrity in handling confidential information Ability to remain tactful, calm, and persuasive in controversial and/or confrontational situations. Strong organizational skills and attention to detail Strong project management and ability to lead cross-functional initiatives Strong written and verbal communication skills, conflict resolution, and interpersonal skills Proficiency with Microsoft Office (Outlook, Word, Excel, and Power Point) Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of the job. Intermittent physical activity including bending, reaching, and prolonged periods of sitting. Employee is regularly required to use hands to finger, handle, or feel. Work Environment: The work environment characteristics described below are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Office Environment Manufacturing environment which contains noise, moving mechanical parts and fumes or airborne particles Zoltek is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, gender identity, sex, sexual orientation or expression, religion, national origin, marital status, age, disability, veteran status or any other protected status. PIbb20-4368
Senior Family Law Paralegal
Gravis Law, PLLC Scottsdale, Arizona
Description: Gravis Law, PLLC is seeking a Senior Family Law Paralegal to join its team in the Scottsdale office. Gravis Law serves people and communities across the nation by providing uncomplicated access to world-class legal services. Since 2019, Inc. Magazine has recognized Gravis Law as one of America's Fastest-Growing Private Companies and for the second year in a row, Gravis Law was ranked No. 1 as the Fastest-Growing Law Firm on its annual Inc. 5000 list. As a Senior Family Law Paralegal, you will perform a variety of paralegal and administrative tasks in our collaborative team-oriented culture. You will support your local attorney(s) and team by assisting with case planning, development, and management, legal research, client communication, drafting and filing legal documents and making recommendations to attorneys. The successful candidate has a passion for famliy law and is motivated to help create a pleasant workplace. As a Senior Paralegal, you have more knowledge and experience than other support staff. It is expected that you can successfully complete complex job duties. ESSENTIAL DUTIES AND RESPONSIBILITIES: Senior paralegals perform legal assignments with a higher degree of independence and their responsibilities are greater than other legal assistants within the firm. Managing attorney dockets to ensure that all deadlines are met in a timely manner. Reviewing files and conferring with attorneys to discuss the status of the file as well as upcoming deadlines. Assisting attorneys with preparing for client meetings, depositions, mediations, arbitrations, pre-trial, trial, etc. Drafting letters, briefs, memorandums, discovery, and other legal documents. Filing and e-filing briefs, memorandums, discovery, and other legal documents. Maintaining client files both electronic and physical files. Communicating with clients on a very regular basis. Conducting legal research and drafting. Efficiently providing top-notch legal products and superior service to clients. Contributes and maintains SOP, forms, and workflow process improvements. Exercise leadership in coordinating the work, training, and mentoring of internal office staff and other admin staff in their area(s) and across other transactional practice areas. Covering the front desk and phones when necessary to ensure that clients and other office visitors receive prompt and professional service. Maintaining a well-respected reputation amongst clients, opposing counsel, Judges, Court staff, and colleagues. All other duties as assigned. Requirements: MINIMUM REQUIREMENTS : High school diploma, GED or equivalent education required. Paralegal certificate. 5+ years of Paralegal experience. Must have excellent verbal and written communication skills, including ability to effectively communicate with internal and external customers. Ability to talk, listen and speak clearly on the phone and through written communications. Computer proficiency (Microsoft Office - Word, Excel, Teams and Outlook). Must be able to work under pressure and meet deadlines, while maintaining a positive attitude and providing exemplary customer service. Ability to work independently and to carry out assignments to completion within parameters of instructions given, prescribed routines, and standard accepted practices. Any equivalent combination of experience and training which provides the required knowledge, skills and abilities may be substituted. DESIRED QUALIFICATIONS: College graduate with bachelor's degree preferred. Demonstrated organizational and prioritization skills and an ability to successfully juggle multiple mandates at the same time. Excellent analytical skills and an ability to effectively use both data and experience-based instinct to make decisions. Positive and professional demeanor with excellent communication and interpersonal skills. FULL TIME EMPLOYEE BENEFITS AT GRAVIS LAW: Gravis Law offers a professional work environment, a competitive salary including bonuses, along with generous benefits which generally include: Wage: $26.00 - $30.00 per hour Benefits: Insurance: Medical, dental, vision and life insurance Retirement: 401(k) plan with company matching Paid flexible time off: 80 hours annually for Vacation/Sick days Paid Federal Holidays Paid Volunteer Time Off: Up to 16 hours annually Other Compensation: Opportunity to cross train and grow within the organization Bonus Program: Paralegals are also eligible to participate in the Paralegal Bonus Program. Equal Pay. WORK ENVIRONMENT/CONDITIONS/PHYSICAL DEMANDS: Duties will be performed in a standard office environment. Employees must have the ability to maintain regular, punctual attendance consistent with Gravis policy. While performing the duties of this job, the employee will occasionally be required to work weekends, holidays, be on call, and some employees could be required to travel overnight on occasion. This job description is not designed to cover or contain a comprehensive listing of all activities, duties, or responsibilities that are required of a Senior Paralegal. Duties, responsibilities, and activities may change, or new ones may be assigned at any time with or without notice. These are considered essential duties and are illustrative of those job tasks that are fundamental. Employees may be required to perform additional related duties as may be assigned by management. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. PM21 Compensation details: 26-30 Hourly Wage PI69f51815ccad-3370
12/12/2025
Full time
Description: Gravis Law, PLLC is seeking a Senior Family Law Paralegal to join its team in the Scottsdale office. Gravis Law serves people and communities across the nation by providing uncomplicated access to world-class legal services. Since 2019, Inc. Magazine has recognized Gravis Law as one of America's Fastest-Growing Private Companies and for the second year in a row, Gravis Law was ranked No. 1 as the Fastest-Growing Law Firm on its annual Inc. 5000 list. As a Senior Family Law Paralegal, you will perform a variety of paralegal and administrative tasks in our collaborative team-oriented culture. You will support your local attorney(s) and team by assisting with case planning, development, and management, legal research, client communication, drafting and filing legal documents and making recommendations to attorneys. The successful candidate has a passion for famliy law and is motivated to help create a pleasant workplace. As a Senior Paralegal, you have more knowledge and experience than other support staff. It is expected that you can successfully complete complex job duties. ESSENTIAL DUTIES AND RESPONSIBILITIES: Senior paralegals perform legal assignments with a higher degree of independence and their responsibilities are greater than other legal assistants within the firm. Managing attorney dockets to ensure that all deadlines are met in a timely manner. Reviewing files and conferring with attorneys to discuss the status of the file as well as upcoming deadlines. Assisting attorneys with preparing for client meetings, depositions, mediations, arbitrations, pre-trial, trial, etc. Drafting letters, briefs, memorandums, discovery, and other legal documents. Filing and e-filing briefs, memorandums, discovery, and other legal documents. Maintaining client files both electronic and physical files. Communicating with clients on a very regular basis. Conducting legal research and drafting. Efficiently providing top-notch legal products and superior service to clients. Contributes and maintains SOP, forms, and workflow process improvements. Exercise leadership in coordinating the work, training, and mentoring of internal office staff and other admin staff in their area(s) and across other transactional practice areas. Covering the front desk and phones when necessary to ensure that clients and other office visitors receive prompt and professional service. Maintaining a well-respected reputation amongst clients, opposing counsel, Judges, Court staff, and colleagues. All other duties as assigned. Requirements: MINIMUM REQUIREMENTS : High school diploma, GED or equivalent education required. Paralegal certificate. 5+ years of Paralegal experience. Must have excellent verbal and written communication skills, including ability to effectively communicate with internal and external customers. Ability to talk, listen and speak clearly on the phone and through written communications. Computer proficiency (Microsoft Office - Word, Excel, Teams and Outlook). Must be able to work under pressure and meet deadlines, while maintaining a positive attitude and providing exemplary customer service. Ability to work independently and to carry out assignments to completion within parameters of instructions given, prescribed routines, and standard accepted practices. Any equivalent combination of experience and training which provides the required knowledge, skills and abilities may be substituted. DESIRED QUALIFICATIONS: College graduate with bachelor's degree preferred. Demonstrated organizational and prioritization skills and an ability to successfully juggle multiple mandates at the same time. Excellent analytical skills and an ability to effectively use both data and experience-based instinct to make decisions. Positive and professional demeanor with excellent communication and interpersonal skills. FULL TIME EMPLOYEE BENEFITS AT GRAVIS LAW: Gravis Law offers a professional work environment, a competitive salary including bonuses, along with generous benefits which generally include: Wage: $26.00 - $30.00 per hour Benefits: Insurance: Medical, dental, vision and life insurance Retirement: 401(k) plan with company matching Paid flexible time off: 80 hours annually for Vacation/Sick days Paid Federal Holidays Paid Volunteer Time Off: Up to 16 hours annually Other Compensation: Opportunity to cross train and grow within the organization Bonus Program: Paralegals are also eligible to participate in the Paralegal Bonus Program. Equal Pay. WORK ENVIRONMENT/CONDITIONS/PHYSICAL DEMANDS: Duties will be performed in a standard office environment. Employees must have the ability to maintain regular, punctual attendance consistent with Gravis policy. While performing the duties of this job, the employee will occasionally be required to work weekends, holidays, be on call, and some employees could be required to travel overnight on occasion. This job description is not designed to cover or contain a comprehensive listing of all activities, duties, or responsibilities that are required of a Senior Paralegal. Duties, responsibilities, and activities may change, or new ones may be assigned at any time with or without notice. These are considered essential duties and are illustrative of those job tasks that are fundamental. Employees may be required to perform additional related duties as may be assigned by management. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. PM21 Compensation details: 26-30 Hourly Wage PI69f51815ccad-3370
Learning and Development Manager Davis, CA, Job ID 76768
University of California Agriculture and Natural Resources Davis, California
Learning and Development Manager Davis, CA, Job ID 76768 University of California Agriculture and Natural Resources Job Description Our Human Resources team is at the heart of supporting a talented workforce across the State of California. We are dedicated to providing exceptional service and ensuring that all staff and academic employees have the resources, support, and guidance they need to thrive. Our team works closely with leaders and departments to build a high-performing workforce and a supportive work environment. We prioritize open communication and collaboration to ensure that each employee's needs are met with efficiency and care. Whether you're a current, former, or prospective employee, our HR staff is here to provide support and guidance, ensuring that UC ANR system remains a great place to work, grow, and succeed. Position Summary: The Learning and Development (L&D) Manager will manage and lead the talent development team at UC ANR, implementing a comprehensive training and development program for academic and staff employees. Reporting to the Director of Academic Human Resources, this position is central to implementing organizational L&D strategies and working closely with senior leadership to align resources with goals and schedules. This position plays a key role in fostering collaboration across the organization, curating relevant content and resources, and managing the UC ANR Learning Management System (LMS). This position will focus on designing, developing, implementing, and assessing various talent initiatives and programs. The primary areas of focus include the management of the L&D Committee, organizational L&D needs assessments, creation and execution of leadership and management programs such as career pathways, succession planning, curation of curriculum and leadership development. This position is a career appointment that is 100% fixed The home department for this position is IMM Office of Human Resources. While this position normally is based in Davis, CA, this position is eligible for hybrid flexible work arrangements for applicants living in the State of California at this time. Please note that hybrid flexible work arrangements are subject to change by the University. Pay Scale: $90,300/year to $129,700/year Job Posting Close Date: This job is open until filled. The first application review date will be 4/1/2025. Key Responsibilities: 100% Collaborates closely with Academic and Staff Leadership to create appropriate Learning and Development resources and tools. Partners with managers across services to assess and identify training needs. Anticipates department needs, challenges and opportunities, provides input on short- and long-range training goals. Leads L&D Committee meetings. Represents the L&D program in interactions with external organizations, cultivating partnerships that support the organization's learning and development needs. Actively participates as a member or advisor on interdisciplinary committees. Partners with senior leadership to align L&D strategies with broader organizational objectives and make resource-driven recommendations to enhance program effectiveness. Collaborates across Staff and Academic HR to develop the organization from a performance and culture perspective by implementing and overseeing initiatives that increase efficiency, strengthen employee knowledge and abilities, develop effective people managers, and grow leaders. Coordinates with the Associate Vice President of Business Operations, the Executive Director of Human Resources, the Associate Vice President for Research and Cooperative Extension and Vice Provost of Academic Personnel and Development to provide L&D resources and support for staff and academics and to prioritize tasks related to employee development. Manages department fiscal, material and human resources within department budget. Identifies and suggests ways to increase efficiency and resources. Recommends changes in staffing, executes recruiting verifying new hires meet standards. Updates job descriptions to maintain accuracy. Conducts performance evaluations and defines department goals. Responsibilities include assessing and diagnosing organizational development needs, creating change initiatives, providing leadership and management coaching or consultation, and delivering solutions that support UC ANR's goals and priorities. Mentors staff and promotes professional growth and advancement. Implements professional development, continuing education, and training initiatives. Oversees daily operations of the Learning and Development unit. Independently resolves administrative and operational issues. Requirements: Bachelor's degree in business, HR, organizational behavior or related field, or equivalent experience. Strong experience in organizational and/or talent development, talent management programming, management development and coaching, and organizational process review. Proven skills to collaborate within and across departments to coordinate training and development activities and resolve problems. Interpersonal skills to maintain professional relationships with department managers and peers. Broad knowledge of training and development concepts and trends. Ability to apply knowledge to meet organization needs, improve operations and achieve business success. Proven ability to organize department operations in an efficient and effective manner seeking and implementing process improvements. Knowledge of HR and / or UC policies and processes. Knowledge of relevant compliance issues. Ability to apply policy knowledge to suggest improvements to training and development programs. Strong verbal and written communication and presentation skills to effectively communicate through all mediums and with all groups. Demonstrated abilities to listen actively, persuade, advise, counsel, and influence all levels of staff. Proven ability to effectively manage, lead and motivate employees. Strong conflict resolution skills to resolve personnel issues and counsel staff to develop cooperative working relationships. Strong as user and leader of Learning and Development business software. Broad knowledge of eLearning techniques, learning software and technology. Project management and customer service skills to effectively manage multiple priorities in a complex, challenging environment. Demonstrates adaptability and flexibility, anticipates and effectively handles change. Preferred Skills: Master's degree in Business, Human Resources, Organizational Behavior or related field, or equivalent experience. Certified Professional in Learning & Performance (CPLP) certification preferred or other certifications for coaching and/or mentoring. Work experience in a Higher Education system. Special Conditions of Employment: Must possess valid California Driver's License to drive a County or University vehicle. Ability and means to travel on a flexible schedule as needed, proof of liability damage insurance on vehicle used is required. Reimbursement of job-related travel will be reimbursed according to University policies. The University reserves the right to make employment contingent upon successful completion of the background check. This is a designated position requiring a background check and may require fingerprinting due to the nature of the job responsibilities. UC ANR does hire people with conviction histories and reviews information received in the context of the job responsibilities. As of January 1, 2014, ANR is a smoke- and tobacco-free environment in which smoking, the use of smokeless tobacco products, and the use of unregulated nicotine products (e-cigarettes), is strictly prohibited. As a condition of employment, you will be required to comply with the University of California Policy on Vaccination Programs , as may be amended or revised from time to time. Federal, state, or local public health directives may impose additional requirements. Exercise the utmost discretion in managing sensitive information learned in the course of performing their duties. Sensitive information includes but is not limited to employee and student records, health and patient records, financial data, strategic plans, proprietary information, and any other sensitive or non-public information learned during the course and scope of employment. Understands that sensitive information should be shared on a limited basis and actively takes steps to limit access to sensitive information to individuals who have legitimate business need to know. Ensure that sensitive information is properly safeguarded. Follow all organizational policies and laws on data protection and privacy. This includes secure handling of physical and digital records and proper usage of IT systems to prevent data leaks. The unauthorized or improper disclosure of confidential work-related information obtained from any source on any work-related matter is a violation of these expectations. Misconduct Disclosure Requirement: As a condition of employment . click apply for full job details
12/12/2025
Full time
Learning and Development Manager Davis, CA, Job ID 76768 University of California Agriculture and Natural Resources Job Description Our Human Resources team is at the heart of supporting a talented workforce across the State of California. We are dedicated to providing exceptional service and ensuring that all staff and academic employees have the resources, support, and guidance they need to thrive. Our team works closely with leaders and departments to build a high-performing workforce and a supportive work environment. We prioritize open communication and collaboration to ensure that each employee's needs are met with efficiency and care. Whether you're a current, former, or prospective employee, our HR staff is here to provide support and guidance, ensuring that UC ANR system remains a great place to work, grow, and succeed. Position Summary: The Learning and Development (L&D) Manager will manage and lead the talent development team at UC ANR, implementing a comprehensive training and development program for academic and staff employees. Reporting to the Director of Academic Human Resources, this position is central to implementing organizational L&D strategies and working closely with senior leadership to align resources with goals and schedules. This position plays a key role in fostering collaboration across the organization, curating relevant content and resources, and managing the UC ANR Learning Management System (LMS). This position will focus on designing, developing, implementing, and assessing various talent initiatives and programs. The primary areas of focus include the management of the L&D Committee, organizational L&D needs assessments, creation and execution of leadership and management programs such as career pathways, succession planning, curation of curriculum and leadership development. This position is a career appointment that is 100% fixed The home department for this position is IMM Office of Human Resources. While this position normally is based in Davis, CA, this position is eligible for hybrid flexible work arrangements for applicants living in the State of California at this time. Please note that hybrid flexible work arrangements are subject to change by the University. Pay Scale: $90,300/year to $129,700/year Job Posting Close Date: This job is open until filled. The first application review date will be 4/1/2025. Key Responsibilities: 100% Collaborates closely with Academic and Staff Leadership to create appropriate Learning and Development resources and tools. Partners with managers across services to assess and identify training needs. Anticipates department needs, challenges and opportunities, provides input on short- and long-range training goals. Leads L&D Committee meetings. Represents the L&D program in interactions with external organizations, cultivating partnerships that support the organization's learning and development needs. Actively participates as a member or advisor on interdisciplinary committees. Partners with senior leadership to align L&D strategies with broader organizational objectives and make resource-driven recommendations to enhance program effectiveness. Collaborates across Staff and Academic HR to develop the organization from a performance and culture perspective by implementing and overseeing initiatives that increase efficiency, strengthen employee knowledge and abilities, develop effective people managers, and grow leaders. Coordinates with the Associate Vice President of Business Operations, the Executive Director of Human Resources, the Associate Vice President for Research and Cooperative Extension and Vice Provost of Academic Personnel and Development to provide L&D resources and support for staff and academics and to prioritize tasks related to employee development. Manages department fiscal, material and human resources within department budget. Identifies and suggests ways to increase efficiency and resources. Recommends changes in staffing, executes recruiting verifying new hires meet standards. Updates job descriptions to maintain accuracy. Conducts performance evaluations and defines department goals. Responsibilities include assessing and diagnosing organizational development needs, creating change initiatives, providing leadership and management coaching or consultation, and delivering solutions that support UC ANR's goals and priorities. Mentors staff and promotes professional growth and advancement. Implements professional development, continuing education, and training initiatives. Oversees daily operations of the Learning and Development unit. Independently resolves administrative and operational issues. Requirements: Bachelor's degree in business, HR, organizational behavior or related field, or equivalent experience. Strong experience in organizational and/or talent development, talent management programming, management development and coaching, and organizational process review. Proven skills to collaborate within and across departments to coordinate training and development activities and resolve problems. Interpersonal skills to maintain professional relationships with department managers and peers. Broad knowledge of training and development concepts and trends. Ability to apply knowledge to meet organization needs, improve operations and achieve business success. Proven ability to organize department operations in an efficient and effective manner seeking and implementing process improvements. Knowledge of HR and / or UC policies and processes. Knowledge of relevant compliance issues. Ability to apply policy knowledge to suggest improvements to training and development programs. Strong verbal and written communication and presentation skills to effectively communicate through all mediums and with all groups. Demonstrated abilities to listen actively, persuade, advise, counsel, and influence all levels of staff. Proven ability to effectively manage, lead and motivate employees. Strong conflict resolution skills to resolve personnel issues and counsel staff to develop cooperative working relationships. Strong as user and leader of Learning and Development business software. Broad knowledge of eLearning techniques, learning software and technology. Project management and customer service skills to effectively manage multiple priorities in a complex, challenging environment. Demonstrates adaptability and flexibility, anticipates and effectively handles change. Preferred Skills: Master's degree in Business, Human Resources, Organizational Behavior or related field, or equivalent experience. Certified Professional in Learning & Performance (CPLP) certification preferred or other certifications for coaching and/or mentoring. Work experience in a Higher Education system. Special Conditions of Employment: Must possess valid California Driver's License to drive a County or University vehicle. Ability and means to travel on a flexible schedule as needed, proof of liability damage insurance on vehicle used is required. Reimbursement of job-related travel will be reimbursed according to University policies. The University reserves the right to make employment contingent upon successful completion of the background check. This is a designated position requiring a background check and may require fingerprinting due to the nature of the job responsibilities. UC ANR does hire people with conviction histories and reviews information received in the context of the job responsibilities. As of January 1, 2014, ANR is a smoke- and tobacco-free environment in which smoking, the use of smokeless tobacco products, and the use of unregulated nicotine products (e-cigarettes), is strictly prohibited. As a condition of employment, you will be required to comply with the University of California Policy on Vaccination Programs , as may be amended or revised from time to time. Federal, state, or local public health directives may impose additional requirements. Exercise the utmost discretion in managing sensitive information learned in the course of performing their duties. Sensitive information includes but is not limited to employee and student records, health and patient records, financial data, strategic plans, proprietary information, and any other sensitive or non-public information learned during the course and scope of employment. Understands that sensitive information should be shared on a limited basis and actively takes steps to limit access to sensitive information to individuals who have legitimate business need to know. Ensure that sensitive information is properly safeguarded. Follow all organizational policies and laws on data protection and privacy. This includes secure handling of physical and digital records and proper usage of IT systems to prevent data leaks. The unauthorized or improper disclosure of confidential work-related information obtained from any source on any work-related matter is a violation of these expectations. Misconduct Disclosure Requirement: As a condition of employment . click apply for full job details
USAA
Director, Retirement Income - Life Company
USAA Phoenix, Arizona
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity USAA is seeking a talented Director, Retirement Income to lead multiple teams of Health, Life or Retirement Income Specialists, Sales/Solutions Consultants, and/or Business Process Owners who are responsible for providing appropriate solutions to our members to facilitate their financial security. Responsible for driving and delivering on product, member, and financial goals for Life Co. Leads and develops managers to improve performance and reduce variability amongst sales staff. Analyzes existing workflow and processes by organizing and integrating resources and systems. Implements changes to promote efficient and effective operations. Assists in the developing of programs to maximize effectiveness of member acquisition and relationship efforts We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position will be based in Plano, TX.; San Antonio, TX, Phoenix, AZ.; Colorado Springs, CO.; or Tampa, FL. (Crosstown) campus. Relocation assistance is not available for this position. What you'll do: Leads and develops teams of Health, Life or Retirement managers, Sales/Solutions Consultants and/or Business Process Owners to build leadership skills, improve coaching effectiveness, and/or plan, direct and coordinate activities for complex processes. Responsible for development and implementation of operational plans in Health, Life or Retirement Income areas. Contributes to the achievement of Life Co. member, product, and financial goals through teams' performance. Effectively coaches managers to improve sales productivity and exceed departmental goals. Conducts data analysis to influence strategy to achieve business outcomes. Identifies, develops, and executes detailed continuous improvement plans to achieve measurable process, productivity, and acquisition improvements with Health, Life or Retirement Income. Fulfills the responsibilities of a securities principal as appropriate: In conjunction and coordination with Securities Counsel and Securities Compliance, provides research and documentation support for use in responding to regulatory authority inquiries and audits. Responsible for the implementation and sustainment of seasonal surge strategies through internal and third-party relationships to serve more members. Responsible for achieving call center KPIs that align to best serving USAA members, running an efficient operating model, and high employee and member satisfaction. Coordinates efforts with the Situation Management Team and Incident Management Team to reduce downtime with potential risks that could harm employees and members. Partners with Legal, Risk and Compliance on interpretation of CMS (Center for Medicare and Medicaid Services) rules to provide guidance and clarification to executive and frontline leadership. Supports senior management to ensure plans, operational environment, regulatory obligations, schedules, communication, and training are in place for successful implementation of projects affecting the operations of Life Co. and potential impacts to front line employees. Builds and oversees a team of employees for assigned functional area through ongoing execution of recruiting, development, retention, coaching and support, performance management, and managerial activities. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. (Total of 12 years without bachelor's degree) May be required to have the ability to obtain Life/Health license and any required Carrier appointments within 90 days of job entry. RETIREMENT INCOME ONLY: Required maintenance of FINRA Series 7, 66 (or 63 and 65), 24, and 51 (or 53), and/or attainment within 90 days of job entry. 8 or more years of related experience in financial services operations to include process improvement and business analysis. 4 or more years direct team lead or management experience providing coaching, development and/or leadership in a team-oriented environment. Demonstrated knowledge of financial products and services relevant to life or health insurance or retirement income What sets you apart: US military experience through military service or a military spouse/domestic partner Current/Active FINRA Series 7, 66 (or 63 and 65), 24, and 51 (or 53) Current Life and Health (Group 1) license MBA or master's degree in a financial or business-related field CERTIFIED FINANCIAL PLANNER (CFP ) designation 10 or more years of Retirement Planning and/or Annuity experience. 5 or more years of working experience directly leading a team of investment advisors in a Direct Distribution Channel. 3 or more years of direct leadership experience over other managers (leader of leaders) RICP (Retirement Income Certified Professional) Designation Experience managing a team of investment advisors in a call center environment. Compensation range: The salary range for this position is: $114,080 - $218,030 USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
12/12/2025
Full time
Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. The Opportunity USAA is seeking a talented Director, Retirement Income to lead multiple teams of Health, Life or Retirement Income Specialists, Sales/Solutions Consultants, and/or Business Process Owners who are responsible for providing appropriate solutions to our members to facilitate their financial security. Responsible for driving and delivering on product, member, and financial goals for Life Co. Leads and develops managers to improve performance and reduce variability amongst sales staff. Analyzes existing workflow and processes by organizing and integrating resources and systems. Implements changes to promote efficient and effective operations. Assists in the developing of programs to maximize effectiveness of member acquisition and relationship efforts We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position will be based in Plano, TX.; San Antonio, TX, Phoenix, AZ.; Colorado Springs, CO.; or Tampa, FL. (Crosstown) campus. Relocation assistance is not available for this position. What you'll do: Leads and develops teams of Health, Life or Retirement managers, Sales/Solutions Consultants and/or Business Process Owners to build leadership skills, improve coaching effectiveness, and/or plan, direct and coordinate activities for complex processes. Responsible for development and implementation of operational plans in Health, Life or Retirement Income areas. Contributes to the achievement of Life Co. member, product, and financial goals through teams' performance. Effectively coaches managers to improve sales productivity and exceed departmental goals. Conducts data analysis to influence strategy to achieve business outcomes. Identifies, develops, and executes detailed continuous improvement plans to achieve measurable process, productivity, and acquisition improvements with Health, Life or Retirement Income. Fulfills the responsibilities of a securities principal as appropriate: In conjunction and coordination with Securities Counsel and Securities Compliance, provides research and documentation support for use in responding to regulatory authority inquiries and audits. Responsible for the implementation and sustainment of seasonal surge strategies through internal and third-party relationships to serve more members. Responsible for achieving call center KPIs that align to best serving USAA members, running an efficient operating model, and high employee and member satisfaction. Coordinates efforts with the Situation Management Team and Incident Management Team to reduce downtime with potential risks that could harm employees and members. Partners with Legal, Risk and Compliance on interpretation of CMS (Center for Medicare and Medicaid Services) rules to provide guidance and clarification to executive and frontline leadership. Supports senior management to ensure plans, operational environment, regulatory obligations, schedules, communication, and training are in place for successful implementation of projects affecting the operations of Life Co. and potential impacts to front line employees. Builds and oversees a team of employees for assigned functional area through ongoing execution of recruiting, development, retention, coaching and support, performance management, and managerial activities. Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures. What you have: Bachelor's degree OR 4 years of related experience (in addition to the minimum years of experience required) may be substituted in lieu of degree. (Total of 12 years without bachelor's degree) May be required to have the ability to obtain Life/Health license and any required Carrier appointments within 90 days of job entry. RETIREMENT INCOME ONLY: Required maintenance of FINRA Series 7, 66 (or 63 and 65), 24, and 51 (or 53), and/or attainment within 90 days of job entry. 8 or more years of related experience in financial services operations to include process improvement and business analysis. 4 or more years direct team lead or management experience providing coaching, development and/or leadership in a team-oriented environment. Demonstrated knowledge of financial products and services relevant to life or health insurance or retirement income What sets you apart: US military experience through military service or a military spouse/domestic partner Current/Active FINRA Series 7, 66 (or 63 and 65), 24, and 51 (or 53) Current Life and Health (Group 1) license MBA or master's degree in a financial or business-related field CERTIFIED FINANCIAL PLANNER (CFP ) designation 10 or more years of Retirement Planning and/or Annuity experience. 5 or more years of working experience directly leading a team of investment advisors in a Direct Distribution Channel. 3 or more years of direct leadership experience over other managers (leader of leaders) RICP (Retirement Income Certified Professional) Designation Experience managing a team of investment advisors in a call center environment. Compensation range: The salary range for this position is: $114,080 - $218,030 USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.). Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location. Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors. The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job. Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals. For more details on our outstanding benefits, visit our benefits page on Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting. USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.
Christus Health
Director Information Services - IM Regional Ops
Christus Health Alamogordo, New Mexico
Description Summary: The Director Information Services will assist with creating business strategies and proposing implementation methods for content within the designated programs. The Director will drive continual process improvement in the delivery of application services throughout CHRISTUS and apply strong knowledge of healthcare operations, proven communication, problem-solving, critical thinking, and management skills to guide design, development, and deployment of critical systems. The Director will maintain knowledge of current and emerging trends in healthcare technology, actively seeking information to stay abreast of best practices, application solutions, and services, striving to incorporate innovation in a practical, cost-effective manner. Responsibilities: Monitors, manages, and reports operational updates to the System Director to support efficient and effective planning for resource utilization and prioritization of the body of work for which is accountable and responsible. Provide oversight in the analysis and evaluation of current systems and procedures as well as the development of system design and workflow modifications for optimization of processes. Successfully manages a full workload across multiple projects, while leading a team. Proactively engages with CHRISTUS business units, at all appropriate levels, to support the development and accomplishment of CHRISTUS strategies and objectives. Communicates with senior leadership and management setting direction to establish clear expectations regarding designated programs. Establishes end-user support service levels, working with Business Leadership and IS, reporting metrics on a regular basis, driving technology improvements through the eyes of the end users and management team. Recruit, onboard, train, mentor, and develop direct reports to deliver high quality services. Supervise and motivate assigned direct reports. Promotes the development of associates using counseling, teaching, and role modeling techniques. Provides associate advice with interpreting and/or executing departmental and organizational standards, policies, and procedures to facilitate the goals and objectives of the organization. May be required to travel to perform duties. May be required to work outside of normal working hours. May be required to work long hours during critical problems or implementations. Other related duties as assigned. Requirements: Bachelor's degree in Computer Science, Management Information Systems, Business, or related field, OR equivalent work experience required. Education and experience in relevant Information Technology Infrastructure Library (ITIL) support and delivery processes. ITIL Certification preferred. Financial skills related to budgeting, forecasting, and managing multi-million-dollar departmental budgets. Strong knowledge of major healthcare information systems(s). 5+ years of experience in an Information Technology leadership role. 3 or more years of experience in implementation and optimization in a complex, multi-site environment. Experience with Epic and associated products strongly preferred. Experience in relevant ITIL support and delivery processes. Experience in providing and managing customer support in a highly matrixed organization. Ability to work on multiple and complex projects. Ability to consistently demonstrate a positive communication style, strong critical thinking skills, and a creative and collaborative approach to problem solving required. Adaptable and flexible style, ability to work in a dynamic environment. Excellent written and oral communication skills, including presentation skills. Excellent resource management, including resource projection and budgeting skills. Ability to work in a collaborative way across a diverse, geographically and culturally diverse organization. Work Schedule: 8AM - 5PM Monday-Friday Work Type: Full Time
12/11/2025
Full time
Description Summary: The Director Information Services will assist with creating business strategies and proposing implementation methods for content within the designated programs. The Director will drive continual process improvement in the delivery of application services throughout CHRISTUS and apply strong knowledge of healthcare operations, proven communication, problem-solving, critical thinking, and management skills to guide design, development, and deployment of critical systems. The Director will maintain knowledge of current and emerging trends in healthcare technology, actively seeking information to stay abreast of best practices, application solutions, and services, striving to incorporate innovation in a practical, cost-effective manner. Responsibilities: Monitors, manages, and reports operational updates to the System Director to support efficient and effective planning for resource utilization and prioritization of the body of work for which is accountable and responsible. Provide oversight in the analysis and evaluation of current systems and procedures as well as the development of system design and workflow modifications for optimization of processes. Successfully manages a full workload across multiple projects, while leading a team. Proactively engages with CHRISTUS business units, at all appropriate levels, to support the development and accomplishment of CHRISTUS strategies and objectives. Communicates with senior leadership and management setting direction to establish clear expectations regarding designated programs. Establishes end-user support service levels, working with Business Leadership and IS, reporting metrics on a regular basis, driving technology improvements through the eyes of the end users and management team. Recruit, onboard, train, mentor, and develop direct reports to deliver high quality services. Supervise and motivate assigned direct reports. Promotes the development of associates using counseling, teaching, and role modeling techniques. Provides associate advice with interpreting and/or executing departmental and organizational standards, policies, and procedures to facilitate the goals and objectives of the organization. May be required to travel to perform duties. May be required to work outside of normal working hours. May be required to work long hours during critical problems or implementations. Other related duties as assigned. Requirements: Bachelor's degree in Computer Science, Management Information Systems, Business, or related field, OR equivalent work experience required. Education and experience in relevant Information Technology Infrastructure Library (ITIL) support and delivery processes. ITIL Certification preferred. Financial skills related to budgeting, forecasting, and managing multi-million-dollar departmental budgets. Strong knowledge of major healthcare information systems(s). 5+ years of experience in an Information Technology leadership role. 3 or more years of experience in implementation and optimization in a complex, multi-site environment. Experience with Epic and associated products strongly preferred. Experience in relevant ITIL support and delivery processes. Experience in providing and managing customer support in a highly matrixed organization. Ability to work on multiple and complex projects. Ability to consistently demonstrate a positive communication style, strong critical thinking skills, and a creative and collaborative approach to problem solving required. Adaptable and flexible style, ability to work in a dynamic environment. Excellent written and oral communication skills, including presentation skills. Excellent resource management, including resource projection and budgeting skills. Ability to work in a collaborative way across a diverse, geographically and culturally diverse organization. Work Schedule: 8AM - 5PM Monday-Friday Work Type: Full Time
Northwestern Mutual
Investment Analyst - Private Debt & Equity
Northwestern Mutual Milwaukee, Wisconsin
Northwestern Mutual Capital (NMC) is a committed investor in the private credit (senior & mezzanine) and equity co-investment (common & structured) markets and a leading player in the investment grade privately placed debt market. Collectively, the team manages $65B of AUM. NMC manages capital primarily for The Northwestern Mutual Life Insurance Company, a highly rated life insurance company with a 165+ year legacy. The stability of our capital base has led private equity firms and corporations around the world to rely on NMC for strategic funding to support leveraged transactions and capital investments. Please note, this opening is for Summer 2026 Openings The Analyst position is a two to three-year assignment, and high performers can expect increasing responsibility. Analyst Responsibilities: Analyze and evaluate private equity and private credit investments across a wide range of industries. Analyze and evaluate private equity and private credit investments across a wide range of industries. Develop investment theses. Develop investment theses. Perform detailed financial analysis and modeling. Perform detailed financial analysis and modeling. Assist in the writing of investment memos and contribute to investment committee discussions. Assist in the writing of investment memos and contribute to investment committee discussions. Cultivate relationships with internal and external stakeholders, including senior level executives, legal counsels, investment bankers, and private equity sponsors. Cultivate relationships with internal and external stakeholders, including senior level executives, legal counsels, investment bankers, and private equity sponsors. Actively monitor portfolio performance. Actively monitor portfolio performance. Qualifications: Four-year undergraduate degree in finance, accounting, economics, or mathematics and a track record of academic excellence. Four-year undergraduate degree in finance, accounting, economics, or mathematics and a track record of academic excellence. A broad knowledge of investments, an understanding of economic forces affecting a wide range of industries, proficiency in accounting, and strong computer modeling skills, and intellectual curiosity. A broad knowledge of investments, an understanding of economic forces affecting a wide range of industries, proficiency in accounting, and strong computer modeling skills, and intellectual curiosity. Strong interpersonal skills including written / oral communication and relationship building. Strong interpersonal skills including written / oral communication and relationship building. 0-3 years of prior experience in investment banking, equity research, leveraged finance or other related roles. 0-3 years of prior experience in investment banking, equity research, leveraged finance or other related roles. Compensation Range: We believe in fairness and transparency. It's why we share the salary range for most of our roles. However, final salaries are based on a number of factors, including the skills and experience of the candidate; the current market; location of the candidate; and other factors uncovered in the hiring process. The standard pay structure is listed. Grow your career with a best-in-class company that puts our clients' interests at the center of all we do. Get started now! Northwestern Mutual is an equal opportunity employer who welcomes and encourages diversity in the workforce. We are committed to creating and maintaining an environment in which each employee can contribute creative ideas, seek challenges, assume leadership and continue to focus on meeting and exceeding business and personal objectives. If you work or would be working in California, Colorado, New York City, Washington or outside of a Corporate location, please click here for additional information pertaining to compensation and benefits. Skills Investment Underwriting, Financial Analysis, Financial Writing, Investment Presentations, Investment Valuation, Financial Modeling, Data Integrity FIND YOUR FUTURE We're excited about the potential people bring to Northwestern Mutual. You can grow your career here while enjoying first-class perks, benefits, and our commitment to a culture of belonging. Flexible work schedules Concierge service Comprehensive benefits Employee resource groups PandoLogic. Category:Finance,
12/11/2025
Full time
Northwestern Mutual Capital (NMC) is a committed investor in the private credit (senior & mezzanine) and equity co-investment (common & structured) markets and a leading player in the investment grade privately placed debt market. Collectively, the team manages $65B of AUM. NMC manages capital primarily for The Northwestern Mutual Life Insurance Company, a highly rated life insurance company with a 165+ year legacy. The stability of our capital base has led private equity firms and corporations around the world to rely on NMC for strategic funding to support leveraged transactions and capital investments. Please note, this opening is for Summer 2026 Openings The Analyst position is a two to three-year assignment, and high performers can expect increasing responsibility. Analyst Responsibilities: Analyze and evaluate private equity and private credit investments across a wide range of industries. Analyze and evaluate private equity and private credit investments across a wide range of industries. Develop investment theses. Develop investment theses. Perform detailed financial analysis and modeling. Perform detailed financial analysis and modeling. Assist in the writing of investment memos and contribute to investment committee discussions. Assist in the writing of investment memos and contribute to investment committee discussions. Cultivate relationships with internal and external stakeholders, including senior level executives, legal counsels, investment bankers, and private equity sponsors. Cultivate relationships with internal and external stakeholders, including senior level executives, legal counsels, investment bankers, and private equity sponsors. Actively monitor portfolio performance. Actively monitor portfolio performance. Qualifications: Four-year undergraduate degree in finance, accounting, economics, or mathematics and a track record of academic excellence. Four-year undergraduate degree in finance, accounting, economics, or mathematics and a track record of academic excellence. A broad knowledge of investments, an understanding of economic forces affecting a wide range of industries, proficiency in accounting, and strong computer modeling skills, and intellectual curiosity. A broad knowledge of investments, an understanding of economic forces affecting a wide range of industries, proficiency in accounting, and strong computer modeling skills, and intellectual curiosity. Strong interpersonal skills including written / oral communication and relationship building. Strong interpersonal skills including written / oral communication and relationship building. 0-3 years of prior experience in investment banking, equity research, leveraged finance or other related roles. 0-3 years of prior experience in investment banking, equity research, leveraged finance or other related roles. Compensation Range: We believe in fairness and transparency. It's why we share the salary range for most of our roles. However, final salaries are based on a number of factors, including the skills and experience of the candidate; the current market; location of the candidate; and other factors uncovered in the hiring process. The standard pay structure is listed. Grow your career with a best-in-class company that puts our clients' interests at the center of all we do. Get started now! Northwestern Mutual is an equal opportunity employer who welcomes and encourages diversity in the workforce. We are committed to creating and maintaining an environment in which each employee can contribute creative ideas, seek challenges, assume leadership and continue to focus on meeting and exceeding business and personal objectives. If you work or would be working in California, Colorado, New York City, Washington or outside of a Corporate location, please click here for additional information pertaining to compensation and benefits. Skills Investment Underwriting, Financial Analysis, Financial Writing, Investment Presentations, Investment Valuation, Financial Modeling, Data Integrity FIND YOUR FUTURE We're excited about the potential people bring to Northwestern Mutual. You can grow your career here while enjoying first-class perks, benefits, and our commitment to a culture of belonging. Flexible work schedules Concierge service Comprehensive benefits Employee resource groups PandoLogic. Category:Finance,
Santander Holdings USA Inc
Senior Workout Officer - Remote
Santander Holdings USA Inc Providence, Rhode Island
Senior Workout Officer - Remote Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! Senior Workout Officer - Must have Commercial Real Estate Workout experience. Essential Duties & Responsibilities Portfolio Management Manage a portfolio of mid- to high-complexity distressed commercial real estate loans, focusing on rent-regulated multifamily assets in NYC. Evaluate collateral performance, borrower financials, and guarantor support to identify risks and recommend appropriate workout strategies. Develop and execute resolution plans including loan modifications, forbearances, restructurings, the pursuit of various remedies. Monitor ongoing borrower compliance, property performance, and loan covenant adherence. Commercial Loan Documentation Review, interpret, and negotiate commercial loan documents, including notes, mortgages, guarantees, intercreditor agreements, and forbearance or modification agreements. Partner with internal and external counsel to ensure documentation accuracy and adherence to internal credit and regulatory standards. Identify legal and structural issues that could impact collateral recovery or enforceability. Underwriting & Financial Analysis Conduct comprehensive underwriting of rent-regulated multifamily properties, including evaluation of rent rolls, regulatory compliance, operating statements, capital needs, and market dynamics. Perform financial modeling, collateral valuations, and risk assessments to support loan resolution recommendations. Prepare and present detailed credit memoranda and action plans to management and credit committees. Negotiation & Relationship Management Lead negotiations with institutional borrowers, sponsors, investors, and legal representatives to achieve balanced, risk-mitigated outcomes. Maintain initiative-taking and professional communication with borrowers and internal stakeholders throughout the workout process. Foreclosure & REO Oversight Oversee and manage judicial foreclosure processes, coordinating with counsel to ensure compliance with state laws and procedural requirements. Manage Real Estate Owned (REO) assets post-foreclosure, including stabilization, valuation, and disposition. Collaborate with internal Real Estate and Asset Management teams to optimize recovery and minimize holding costs. Compliance, Policy, and Regulatory Adherence Ensure all actions comply with internal policies, risk management frameworks, and regulatory requirements. Maintain thorough loan files, workout documentation, and regulatory reporting consistent with audit and examination standards. Demonstrate a strong understanding of credit policy and ensure all recommendations and actions are appropriately supported and documented. Core Competencies Credit & Risk Acumen - Evaluates credit scenarios with sound judgment and risk awareness. Regulatory & Policy Adherence - Demonstrates thorough understanding of banking regulations and internal governance standards. Negotiation & Influence - Effectively negotiates with institutional counterparties to achieve optimal outcomes. Execution & Accountability - Drives timely and accurate resolution of distressed assets within established frameworks. Collaboration - Works effectively across Credit, Legal, Compliance, and Real Estate teams to support portfolio performance. 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 Education: bachelor's degree in finance, Real Estate, Accounting, or related field required; MBA or relevant graduate degree preferred. Experience: Minimum 9+ years of experience in commercial real estate workouts, special assets, or credit risk management within a regulated financial institution. Proven experience reviewing and negotiating commercial loan documentation and complex legal structures. Background in underwriting and managing rent-regulated multifamily properties in New York City. Demonstrated ability to negotiate with institutional clients and structure loan modifications or settlements. Direct experience with judicial foreclosures, receiverships, and REO management. Skills & Competencies: Understanding of NYC rent regulation and multifamily market dynamics. Strong analytical, financial modeling, and valuation skills. Excellent written and verbal communication, negotiation, and presentation skills. Ability to interpret and apply internal policies, regulatory standards, and legal documentation. Proficiency with Microsoft Excel, Word, PowerPoint, and loan servicing or risk management systems. 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. Experience in Microsoft Office products. Pays: $165k with $30k targeted annual bonus 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: $90,000.00 USD Maximum: $165,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide () 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. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. 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 to discuss your needs. Primary Location: Denver, CO, Denver Other Locations: Colorado-Denver,Ohio-Columbus,North Carolina-Raleigh,Maryland-Annapolis,Virginia-Richmond,New Hampshire-Concord,South Carolina-Columbia,Vermont-Montpelier,New Jersey-Trenton,West Virginia-Charleston,New York-Albany,Georgia-Atlanta,Connecticut-Hartford,Massachusetts-Boston,Illinois-Springfield,Florida-Tallahassee,Delaware-Dover,Maine-Augusta,Pennsylvania-Harrisburg,Tennessee-Nashville,Rhode Island-Providence,District of Columbia-Washington Organization: Santander Holdings USA, Inc.
12/11/2025
Full time
Senior Workout Officer - Remote Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! Senior Workout Officer - Must have Commercial Real Estate Workout experience. Essential Duties & Responsibilities Portfolio Management Manage a portfolio of mid- to high-complexity distressed commercial real estate loans, focusing on rent-regulated multifamily assets in NYC. Evaluate collateral performance, borrower financials, and guarantor support to identify risks and recommend appropriate workout strategies. Develop and execute resolution plans including loan modifications, forbearances, restructurings, the pursuit of various remedies. Monitor ongoing borrower compliance, property performance, and loan covenant adherence. Commercial Loan Documentation Review, interpret, and negotiate commercial loan documents, including notes, mortgages, guarantees, intercreditor agreements, and forbearance or modification agreements. Partner with internal and external counsel to ensure documentation accuracy and adherence to internal credit and regulatory standards. Identify legal and structural issues that could impact collateral recovery or enforceability. Underwriting & Financial Analysis Conduct comprehensive underwriting of rent-regulated multifamily properties, including evaluation of rent rolls, regulatory compliance, operating statements, capital needs, and market dynamics. Perform financial modeling, collateral valuations, and risk assessments to support loan resolution recommendations. Prepare and present detailed credit memoranda and action plans to management and credit committees. Negotiation & Relationship Management Lead negotiations with institutional borrowers, sponsors, investors, and legal representatives to achieve balanced, risk-mitigated outcomes. Maintain initiative-taking and professional communication with borrowers and internal stakeholders throughout the workout process. Foreclosure & REO Oversight Oversee and manage judicial foreclosure processes, coordinating with counsel to ensure compliance with state laws and procedural requirements. Manage Real Estate Owned (REO) assets post-foreclosure, including stabilization, valuation, and disposition. Collaborate with internal Real Estate and Asset Management teams to optimize recovery and minimize holding costs. Compliance, Policy, and Regulatory Adherence Ensure all actions comply with internal policies, risk management frameworks, and regulatory requirements. Maintain thorough loan files, workout documentation, and regulatory reporting consistent with audit and examination standards. Demonstrate a strong understanding of credit policy and ensure all recommendations and actions are appropriately supported and documented. Core Competencies Credit & Risk Acumen - Evaluates credit scenarios with sound judgment and risk awareness. Regulatory & Policy Adherence - Demonstrates thorough understanding of banking regulations and internal governance standards. Negotiation & Influence - Effectively negotiates with institutional counterparties to achieve optimal outcomes. Execution & Accountability - Drives timely and accurate resolution of distressed assets within established frameworks. Collaboration - Works effectively across Credit, Legal, Compliance, and Real Estate teams to support portfolio performance. 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 Education: bachelor's degree in finance, Real Estate, Accounting, or related field required; MBA or relevant graduate degree preferred. Experience: Minimum 9+ years of experience in commercial real estate workouts, special assets, or credit risk management within a regulated financial institution. Proven experience reviewing and negotiating commercial loan documentation and complex legal structures. Background in underwriting and managing rent-regulated multifamily properties in New York City. Demonstrated ability to negotiate with institutional clients and structure loan modifications or settlements. Direct experience with judicial foreclosures, receiverships, and REO management. Skills & Competencies: Understanding of NYC rent regulation and multifamily market dynamics. Strong analytical, financial modeling, and valuation skills. Excellent written and verbal communication, negotiation, and presentation skills. Ability to interpret and apply internal policies, regulatory standards, and legal documentation. Proficiency with Microsoft Excel, Word, PowerPoint, and loan servicing or risk management systems. 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. Experience in Microsoft Office products. Pays: $165k with $30k targeted annual bonus 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: $90,000.00 USD Maximum: $165,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide () 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. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. 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 to discuss your needs. Primary Location: Denver, CO, Denver Other Locations: Colorado-Denver,Ohio-Columbus,North Carolina-Raleigh,Maryland-Annapolis,Virginia-Richmond,New Hampshire-Concord,South Carolina-Columbia,Vermont-Montpelier,New Jersey-Trenton,West Virginia-Charleston,New York-Albany,Georgia-Atlanta,Connecticut-Hartford,Massachusetts-Boston,Illinois-Springfield,Florida-Tallahassee,Delaware-Dover,Maine-Augusta,Pennsylvania-Harrisburg,Tennessee-Nashville,Rhode Island-Providence,District of Columbia-Washington Organization: Santander Holdings USA, Inc.
Santander Holdings USA Inc
Senior Workout Officer - Remote
Santander Holdings USA Inc Boston, Massachusetts
Senior Workout Officer - Remote Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! Senior Workout Officer - Must have Commercial Real Estate Workout experience. Essential Duties & Responsibilities Portfolio Management Manage a portfolio of mid- to high-complexity distressed commercial real estate loans, focusing on rent-regulated multifamily assets in NYC. Evaluate collateral performance, borrower financials, and guarantor support to identify risks and recommend appropriate workout strategies. Develop and execute resolution plans including loan modifications, forbearances, restructurings, the pursuit of various remedies. Monitor ongoing borrower compliance, property performance, and loan covenant adherence. Commercial Loan Documentation Review, interpret, and negotiate commercial loan documents, including notes, mortgages, guarantees, intercreditor agreements, and forbearance or modification agreements. Partner with internal and external counsel to ensure documentation accuracy and adherence to internal credit and regulatory standards. Identify legal and structural issues that could impact collateral recovery or enforceability. Underwriting & Financial Analysis Conduct comprehensive underwriting of rent-regulated multifamily properties, including evaluation of rent rolls, regulatory compliance, operating statements, capital needs, and market dynamics. Perform financial modeling, collateral valuations, and risk assessments to support loan resolution recommendations. Prepare and present detailed credit memoranda and action plans to management and credit committees. Negotiation & Relationship Management Lead negotiations with institutional borrowers, sponsors, investors, and legal representatives to achieve balanced, risk-mitigated outcomes. Maintain initiative-taking and professional communication with borrowers and internal stakeholders throughout the workout process. Foreclosure & REO Oversight Oversee and manage judicial foreclosure processes, coordinating with counsel to ensure compliance with state laws and procedural requirements. Manage Real Estate Owned (REO) assets post-foreclosure, including stabilization, valuation, and disposition. Collaborate with internal Real Estate and Asset Management teams to optimize recovery and minimize holding costs. Compliance, Policy, and Regulatory Adherence Ensure all actions comply with internal policies, risk management frameworks, and regulatory requirements. Maintain thorough loan files, workout documentation, and regulatory reporting consistent with audit and examination standards. Demonstrate a strong understanding of credit policy and ensure all recommendations and actions are appropriately supported and documented. Core Competencies Credit & Risk Acumen - Evaluates credit scenarios with sound judgment and risk awareness. Regulatory & Policy Adherence - Demonstrates thorough understanding of banking regulations and internal governance standards. Negotiation & Influence - Effectively negotiates with institutional counterparties to achieve optimal outcomes. Execution & Accountability - Drives timely and accurate resolution of distressed assets within established frameworks. Collaboration - Works effectively across Credit, Legal, Compliance, and Real Estate teams to support portfolio performance. 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 Education: bachelor's degree in finance, Real Estate, Accounting, or related field required; MBA or relevant graduate degree preferred. Experience: Minimum 9+ years of experience in commercial real estate workouts, special assets, or credit risk management within a regulated financial institution. Proven experience reviewing and negotiating commercial loan documentation and complex legal structures. Background in underwriting and managing rent-regulated multifamily properties in New York City. Demonstrated ability to negotiate with institutional clients and structure loan modifications or settlements. Direct experience with judicial foreclosures, receiverships, and REO management. Skills & Competencies: Understanding of NYC rent regulation and multifamily market dynamics. Strong analytical, financial modeling, and valuation skills. Excellent written and verbal communication, negotiation, and presentation skills. Ability to interpret and apply internal policies, regulatory standards, and legal documentation. Proficiency with Microsoft Excel, Word, PowerPoint, and loan servicing or risk management systems. 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. Experience in Microsoft Office products. Pays: $165k with $30k targeted annual bonus 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: $90,000.00 USD Maximum: $165,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide () 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. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. 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 to discuss your needs. Primary Location: Denver, CO, Denver Other Locations: Colorado-Denver,Ohio-Columbus,North Carolina-Raleigh,Maryland-Annapolis,Virginia-Richmond,New Hampshire-Concord,South Carolina-Columbia,Vermont-Montpelier,New Jersey-Trenton,West Virginia-Charleston,New York-Albany,Georgia-Atlanta,Connecticut-Hartford,Massachusetts-Boston,Illinois-Springfield,Florida-Tallahassee,Delaware-Dover,Maine-Augusta,Pennsylvania-Harrisburg,Tennessee-Nashville,Rhode Island-Providence,District of Columbia-Washington Organization: Santander Holdings USA, Inc.
12/11/2025
Full time
Senior Workout Officer - Remote Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! Senior Workout Officer - Must have Commercial Real Estate Workout experience. Essential Duties & Responsibilities Portfolio Management Manage a portfolio of mid- to high-complexity distressed commercial real estate loans, focusing on rent-regulated multifamily assets in NYC. Evaluate collateral performance, borrower financials, and guarantor support to identify risks and recommend appropriate workout strategies. Develop and execute resolution plans including loan modifications, forbearances, restructurings, the pursuit of various remedies. Monitor ongoing borrower compliance, property performance, and loan covenant adherence. Commercial Loan Documentation Review, interpret, and negotiate commercial loan documents, including notes, mortgages, guarantees, intercreditor agreements, and forbearance or modification agreements. Partner with internal and external counsel to ensure documentation accuracy and adherence to internal credit and regulatory standards. Identify legal and structural issues that could impact collateral recovery or enforceability. Underwriting & Financial Analysis Conduct comprehensive underwriting of rent-regulated multifamily properties, including evaluation of rent rolls, regulatory compliance, operating statements, capital needs, and market dynamics. Perform financial modeling, collateral valuations, and risk assessments to support loan resolution recommendations. Prepare and present detailed credit memoranda and action plans to management and credit committees. Negotiation & Relationship Management Lead negotiations with institutional borrowers, sponsors, investors, and legal representatives to achieve balanced, risk-mitigated outcomes. Maintain initiative-taking and professional communication with borrowers and internal stakeholders throughout the workout process. Foreclosure & REO Oversight Oversee and manage judicial foreclosure processes, coordinating with counsel to ensure compliance with state laws and procedural requirements. Manage Real Estate Owned (REO) assets post-foreclosure, including stabilization, valuation, and disposition. Collaborate with internal Real Estate and Asset Management teams to optimize recovery and minimize holding costs. Compliance, Policy, and Regulatory Adherence Ensure all actions comply with internal policies, risk management frameworks, and regulatory requirements. Maintain thorough loan files, workout documentation, and regulatory reporting consistent with audit and examination standards. Demonstrate a strong understanding of credit policy and ensure all recommendations and actions are appropriately supported and documented. Core Competencies Credit & Risk Acumen - Evaluates credit scenarios with sound judgment and risk awareness. Regulatory & Policy Adherence - Demonstrates thorough understanding of banking regulations and internal governance standards. Negotiation & Influence - Effectively negotiates with institutional counterparties to achieve optimal outcomes. Execution & Accountability - Drives timely and accurate resolution of distressed assets within established frameworks. Collaboration - Works effectively across Credit, Legal, Compliance, and Real Estate teams to support portfolio performance. 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 Education: bachelor's degree in finance, Real Estate, Accounting, or related field required; MBA or relevant graduate degree preferred. Experience: Minimum 9+ years of experience in commercial real estate workouts, special assets, or credit risk management within a regulated financial institution. Proven experience reviewing and negotiating commercial loan documentation and complex legal structures. Background in underwriting and managing rent-regulated multifamily properties in New York City. Demonstrated ability to negotiate with institutional clients and structure loan modifications or settlements. Direct experience with judicial foreclosures, receiverships, and REO management. Skills & Competencies: Understanding of NYC rent regulation and multifamily market dynamics. Strong analytical, financial modeling, and valuation skills. Excellent written and verbal communication, negotiation, and presentation skills. Ability to interpret and apply internal policies, regulatory standards, and legal documentation. Proficiency with Microsoft Excel, Word, PowerPoint, and loan servicing or risk management systems. 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. Experience in Microsoft Office products. Pays: $165k with $30k targeted annual bonus 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: $90,000.00 USD Maximum: $165,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide () 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. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. 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 to discuss your needs. Primary Location: Denver, CO, Denver Other Locations: Colorado-Denver,Ohio-Columbus,North Carolina-Raleigh,Maryland-Annapolis,Virginia-Richmond,New Hampshire-Concord,South Carolina-Columbia,Vermont-Montpelier,New Jersey-Trenton,West Virginia-Charleston,New York-Albany,Georgia-Atlanta,Connecticut-Hartford,Massachusetts-Boston,Illinois-Springfield,Florida-Tallahassee,Delaware-Dover,Maine-Augusta,Pennsylvania-Harrisburg,Tennessee-Nashville,Rhode Island-Providence,District of Columbia-Washington Organization: Santander Holdings USA, Inc.
Santander Holdings USA Inc
Senior Workout Officer - Remote
Santander Holdings USA Inc Tallahassee, Florida
Senior Workout Officer - Remote Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! Senior Workout Officer - Must have Commercial Real Estate Workout experience. Essential Duties & Responsibilities Portfolio Management Manage a portfolio of mid- to high-complexity distressed commercial real estate loans, focusing on rent-regulated multifamily assets in NYC. Evaluate collateral performance, borrower financials, and guarantor support to identify risks and recommend appropriate workout strategies. Develop and execute resolution plans including loan modifications, forbearances, restructurings, the pursuit of various remedies. Monitor ongoing borrower compliance, property performance, and loan covenant adherence. Commercial Loan Documentation Review, interpret, and negotiate commercial loan documents, including notes, mortgages, guarantees, intercreditor agreements, and forbearance or modification agreements. Partner with internal and external counsel to ensure documentation accuracy and adherence to internal credit and regulatory standards. Identify legal and structural issues that could impact collateral recovery or enforceability. Underwriting & Financial Analysis Conduct comprehensive underwriting of rent-regulated multifamily properties, including evaluation of rent rolls, regulatory compliance, operating statements, capital needs, and market dynamics. Perform financial modeling, collateral valuations, and risk assessments to support loan resolution recommendations. Prepare and present detailed credit memoranda and action plans to management and credit committees. Negotiation & Relationship Management Lead negotiations with institutional borrowers, sponsors, investors, and legal representatives to achieve balanced, risk-mitigated outcomes. Maintain initiative-taking and professional communication with borrowers and internal stakeholders throughout the workout process. Foreclosure & REO Oversight Oversee and manage judicial foreclosure processes, coordinating with counsel to ensure compliance with state laws and procedural requirements. Manage Real Estate Owned (REO) assets post-foreclosure, including stabilization, valuation, and disposition. Collaborate with internal Real Estate and Asset Management teams to optimize recovery and minimize holding costs. Compliance, Policy, and Regulatory Adherence Ensure all actions comply with internal policies, risk management frameworks, and regulatory requirements. Maintain thorough loan files, workout documentation, and regulatory reporting consistent with audit and examination standards. Demonstrate a strong understanding of credit policy and ensure all recommendations and actions are appropriately supported and documented. Core Competencies Credit & Risk Acumen - Evaluates credit scenarios with sound judgment and risk awareness. Regulatory & Policy Adherence - Demonstrates thorough understanding of banking regulations and internal governance standards. Negotiation & Influence - Effectively negotiates with institutional counterparties to achieve optimal outcomes. Execution & Accountability - Drives timely and accurate resolution of distressed assets within established frameworks. Collaboration - Works effectively across Credit, Legal, Compliance, and Real Estate teams to support portfolio performance. 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 Education: bachelor's degree in finance, Real Estate, Accounting, or related field required; MBA or relevant graduate degree preferred. Experience: Minimum 9+ years of experience in commercial real estate workouts, special assets, or credit risk management within a regulated financial institution. Proven experience reviewing and negotiating commercial loan documentation and complex legal structures. Background in underwriting and managing rent-regulated multifamily properties in New York City. Demonstrated ability to negotiate with institutional clients and structure loan modifications or settlements. Direct experience with judicial foreclosures, receiverships, and REO management. Skills & Competencies: Understanding of NYC rent regulation and multifamily market dynamics. Strong analytical, financial modeling, and valuation skills. Excellent written and verbal communication, negotiation, and presentation skills. Ability to interpret and apply internal policies, regulatory standards, and legal documentation. Proficiency with Microsoft Excel, Word, PowerPoint, and loan servicing or risk management systems. 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. Experience in Microsoft Office products. Pays: $165k with $30k targeted annual bonus 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: $90,000.00 USD Maximum: $165,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide () 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. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. 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 to discuss your needs. Primary Location: Denver, CO, Denver Other Locations: Colorado-Denver,Ohio-Columbus,North Carolina-Raleigh,Maryland-Annapolis,Virginia-Richmond,New Hampshire-Concord,South Carolina-Columbia,Vermont-Montpelier,New Jersey-Trenton,West Virginia-Charleston,New York-Albany,Georgia-Atlanta,Connecticut-Hartford,Massachusetts-Boston,Illinois-Springfield,Florida-Tallahassee,Delaware-Dover,Maine-Augusta,Pennsylvania-Harrisburg,Tennessee-Nashville,Rhode Island-Providence,District of Columbia-Washington Organization: Santander Holdings USA, Inc.
12/11/2025
Full time
Senior Workout Officer - Remote Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! Senior Workout Officer - Must have Commercial Real Estate Workout experience. Essential Duties & Responsibilities Portfolio Management Manage a portfolio of mid- to high-complexity distressed commercial real estate loans, focusing on rent-regulated multifamily assets in NYC. Evaluate collateral performance, borrower financials, and guarantor support to identify risks and recommend appropriate workout strategies. Develop and execute resolution plans including loan modifications, forbearances, restructurings, the pursuit of various remedies. Monitor ongoing borrower compliance, property performance, and loan covenant adherence. Commercial Loan Documentation Review, interpret, and negotiate commercial loan documents, including notes, mortgages, guarantees, intercreditor agreements, and forbearance or modification agreements. Partner with internal and external counsel to ensure documentation accuracy and adherence to internal credit and regulatory standards. Identify legal and structural issues that could impact collateral recovery or enforceability. Underwriting & Financial Analysis Conduct comprehensive underwriting of rent-regulated multifamily properties, including evaluation of rent rolls, regulatory compliance, operating statements, capital needs, and market dynamics. Perform financial modeling, collateral valuations, and risk assessments to support loan resolution recommendations. Prepare and present detailed credit memoranda and action plans to management and credit committees. Negotiation & Relationship Management Lead negotiations with institutional borrowers, sponsors, investors, and legal representatives to achieve balanced, risk-mitigated outcomes. Maintain initiative-taking and professional communication with borrowers and internal stakeholders throughout the workout process. Foreclosure & REO Oversight Oversee and manage judicial foreclosure processes, coordinating with counsel to ensure compliance with state laws and procedural requirements. Manage Real Estate Owned (REO) assets post-foreclosure, including stabilization, valuation, and disposition. Collaborate with internal Real Estate and Asset Management teams to optimize recovery and minimize holding costs. Compliance, Policy, and Regulatory Adherence Ensure all actions comply with internal policies, risk management frameworks, and regulatory requirements. Maintain thorough loan files, workout documentation, and regulatory reporting consistent with audit and examination standards. Demonstrate a strong understanding of credit policy and ensure all recommendations and actions are appropriately supported and documented. Core Competencies Credit & Risk Acumen - Evaluates credit scenarios with sound judgment and risk awareness. Regulatory & Policy Adherence - Demonstrates thorough understanding of banking regulations and internal governance standards. Negotiation & Influence - Effectively negotiates with institutional counterparties to achieve optimal outcomes. Execution & Accountability - Drives timely and accurate resolution of distressed assets within established frameworks. Collaboration - Works effectively across Credit, Legal, Compliance, and Real Estate teams to support portfolio performance. 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 Education: bachelor's degree in finance, Real Estate, Accounting, or related field required; MBA or relevant graduate degree preferred. Experience: Minimum 9+ years of experience in commercial real estate workouts, special assets, or credit risk management within a regulated financial institution. Proven experience reviewing and negotiating commercial loan documentation and complex legal structures. Background in underwriting and managing rent-regulated multifamily properties in New York City. Demonstrated ability to negotiate with institutional clients and structure loan modifications or settlements. Direct experience with judicial foreclosures, receiverships, and REO management. Skills & Competencies: Understanding of NYC rent regulation and multifamily market dynamics. Strong analytical, financial modeling, and valuation skills. Excellent written and verbal communication, negotiation, and presentation skills. Ability to interpret and apply internal policies, regulatory standards, and legal documentation. Proficiency with Microsoft Excel, Word, PowerPoint, and loan servicing or risk management systems. 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. Experience in Microsoft Office products. Pays: $165k with $30k targeted annual bonus 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: $90,000.00 USD Maximum: $165,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide () 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. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. 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 to discuss your needs. Primary Location: Denver, CO, Denver Other Locations: Colorado-Denver,Ohio-Columbus,North Carolina-Raleigh,Maryland-Annapolis,Virginia-Richmond,New Hampshire-Concord,South Carolina-Columbia,Vermont-Montpelier,New Jersey-Trenton,West Virginia-Charleston,New York-Albany,Georgia-Atlanta,Connecticut-Hartford,Massachusetts-Boston,Illinois-Springfield,Florida-Tallahassee,Delaware-Dover,Maine-Augusta,Pennsylvania-Harrisburg,Tennessee-Nashville,Rhode Island-Providence,District of Columbia-Washington Organization: Santander Holdings USA, Inc.
Santander Holdings USA Inc
Senior Workout Officer - Remote
Santander Holdings USA Inc Harrisburg, Pennsylvania
Senior Workout Officer - Remote Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! Senior Workout Officer - Must have Commercial Real Estate Workout experience. Essential Duties & Responsibilities Portfolio Management Manage a portfolio of mid- to high-complexity distressed commercial real estate loans, focusing on rent-regulated multifamily assets in NYC. Evaluate collateral performance, borrower financials, and guarantor support to identify risks and recommend appropriate workout strategies. Develop and execute resolution plans including loan modifications, forbearances, restructurings, the pursuit of various remedies. Monitor ongoing borrower compliance, property performance, and loan covenant adherence. Commercial Loan Documentation Review, interpret, and negotiate commercial loan documents, including notes, mortgages, guarantees, intercreditor agreements, and forbearance or modification agreements. Partner with internal and external counsel to ensure documentation accuracy and adherence to internal credit and regulatory standards. Identify legal and structural issues that could impact collateral recovery or enforceability. Underwriting & Financial Analysis Conduct comprehensive underwriting of rent-regulated multifamily properties, including evaluation of rent rolls, regulatory compliance, operating statements, capital needs, and market dynamics. Perform financial modeling, collateral valuations, and risk assessments to support loan resolution recommendations. Prepare and present detailed credit memoranda and action plans to management and credit committees. Negotiation & Relationship Management Lead negotiations with institutional borrowers, sponsors, investors, and legal representatives to achieve balanced, risk-mitigated outcomes. Maintain initiative-taking and professional communication with borrowers and internal stakeholders throughout the workout process. Foreclosure & REO Oversight Oversee and manage judicial foreclosure processes, coordinating with counsel to ensure compliance with state laws and procedural requirements. Manage Real Estate Owned (REO) assets post-foreclosure, including stabilization, valuation, and disposition. Collaborate with internal Real Estate and Asset Management teams to optimize recovery and minimize holding costs. Compliance, Policy, and Regulatory Adherence Ensure all actions comply with internal policies, risk management frameworks, and regulatory requirements. Maintain thorough loan files, workout documentation, and regulatory reporting consistent with audit and examination standards. Demonstrate a strong understanding of credit policy and ensure all recommendations and actions are appropriately supported and documented. Core Competencies Credit & Risk Acumen - Evaluates credit scenarios with sound judgment and risk awareness. Regulatory & Policy Adherence - Demonstrates thorough understanding of banking regulations and internal governance standards. Negotiation & Influence - Effectively negotiates with institutional counterparties to achieve optimal outcomes. Execution & Accountability - Drives timely and accurate resolution of distressed assets within established frameworks. Collaboration - Works effectively across Credit, Legal, Compliance, and Real Estate teams to support portfolio performance. 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 Education: bachelor's degree in finance, Real Estate, Accounting, or related field required; MBA or relevant graduate degree preferred. Experience: Minimum 9+ years of experience in commercial real estate workouts, special assets, or credit risk management within a regulated financial institution. Proven experience reviewing and negotiating commercial loan documentation and complex legal structures. Background in underwriting and managing rent-regulated multifamily properties in New York City. Demonstrated ability to negotiate with institutional clients and structure loan modifications or settlements. Direct experience with judicial foreclosures, receiverships, and REO management. Skills & Competencies: Understanding of NYC rent regulation and multifamily market dynamics. Strong analytical, financial modeling, and valuation skills. Excellent written and verbal communication, negotiation, and presentation skills. Ability to interpret and apply internal policies, regulatory standards, and legal documentation. Proficiency with Microsoft Excel, Word, PowerPoint, and loan servicing or risk management systems. 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. Experience in Microsoft Office products. Pays: $165k with $30k targeted annual bonus 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: $90,000.00 USD Maximum: $165,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide () 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. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. 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 to discuss your needs. Primary Location: Denver, CO, Denver Other Locations: Colorado-Denver,Ohio-Columbus,North Carolina-Raleigh,Maryland-Annapolis,Virginia-Richmond,New Hampshire-Concord,South Carolina-Columbia,Vermont-Montpelier,New Jersey-Trenton,West Virginia-Charleston,New York-Albany,Georgia-Atlanta,Connecticut-Hartford,Massachusetts-Boston,Illinois-Springfield,Florida-Tallahassee,Delaware-Dover,Maine-Augusta,Pennsylvania-Harrisburg,Tennessee-Nashville,Rhode Island-Providence,District of Columbia-Washington Organization: Santander Holdings USA, Inc.
12/11/2025
Full time
Senior Workout Officer - Remote Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! Senior Workout Officer - Must have Commercial Real Estate Workout experience. Essential Duties & Responsibilities Portfolio Management Manage a portfolio of mid- to high-complexity distressed commercial real estate loans, focusing on rent-regulated multifamily assets in NYC. Evaluate collateral performance, borrower financials, and guarantor support to identify risks and recommend appropriate workout strategies. Develop and execute resolution plans including loan modifications, forbearances, restructurings, the pursuit of various remedies. Monitor ongoing borrower compliance, property performance, and loan covenant adherence. Commercial Loan Documentation Review, interpret, and negotiate commercial loan documents, including notes, mortgages, guarantees, intercreditor agreements, and forbearance or modification agreements. Partner with internal and external counsel to ensure documentation accuracy and adherence to internal credit and regulatory standards. Identify legal and structural issues that could impact collateral recovery or enforceability. Underwriting & Financial Analysis Conduct comprehensive underwriting of rent-regulated multifamily properties, including evaluation of rent rolls, regulatory compliance, operating statements, capital needs, and market dynamics. Perform financial modeling, collateral valuations, and risk assessments to support loan resolution recommendations. Prepare and present detailed credit memoranda and action plans to management and credit committees. Negotiation & Relationship Management Lead negotiations with institutional borrowers, sponsors, investors, and legal representatives to achieve balanced, risk-mitigated outcomes. Maintain initiative-taking and professional communication with borrowers and internal stakeholders throughout the workout process. Foreclosure & REO Oversight Oversee and manage judicial foreclosure processes, coordinating with counsel to ensure compliance with state laws and procedural requirements. Manage Real Estate Owned (REO) assets post-foreclosure, including stabilization, valuation, and disposition. Collaborate with internal Real Estate and Asset Management teams to optimize recovery and minimize holding costs. Compliance, Policy, and Regulatory Adherence Ensure all actions comply with internal policies, risk management frameworks, and regulatory requirements. Maintain thorough loan files, workout documentation, and regulatory reporting consistent with audit and examination standards. Demonstrate a strong understanding of credit policy and ensure all recommendations and actions are appropriately supported and documented. Core Competencies Credit & Risk Acumen - Evaluates credit scenarios with sound judgment and risk awareness. Regulatory & Policy Adherence - Demonstrates thorough understanding of banking regulations and internal governance standards. Negotiation & Influence - Effectively negotiates with institutional counterparties to achieve optimal outcomes. Execution & Accountability - Drives timely and accurate resolution of distressed assets within established frameworks. Collaboration - Works effectively across Credit, Legal, Compliance, and Real Estate teams to support portfolio performance. 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 Education: bachelor's degree in finance, Real Estate, Accounting, or related field required; MBA or relevant graduate degree preferred. Experience: Minimum 9+ years of experience in commercial real estate workouts, special assets, or credit risk management within a regulated financial institution. Proven experience reviewing and negotiating commercial loan documentation and complex legal structures. Background in underwriting and managing rent-regulated multifamily properties in New York City. Demonstrated ability to negotiate with institutional clients and structure loan modifications or settlements. Direct experience with judicial foreclosures, receiverships, and REO management. Skills & Competencies: Understanding of NYC rent regulation and multifamily market dynamics. Strong analytical, financial modeling, and valuation skills. Excellent written and verbal communication, negotiation, and presentation skills. Ability to interpret and apply internal policies, regulatory standards, and legal documentation. Proficiency with Microsoft Excel, Word, PowerPoint, and loan servicing or risk management systems. 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. Experience in Microsoft Office products. Pays: $165k with $30k targeted annual bonus 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: $90,000.00 USD Maximum: $165,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide () 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. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. 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 to discuss your needs. Primary Location: Denver, CO, Denver Other Locations: Colorado-Denver,Ohio-Columbus,North Carolina-Raleigh,Maryland-Annapolis,Virginia-Richmond,New Hampshire-Concord,South Carolina-Columbia,Vermont-Montpelier,New Jersey-Trenton,West Virginia-Charleston,New York-Albany,Georgia-Atlanta,Connecticut-Hartford,Massachusetts-Boston,Illinois-Springfield,Florida-Tallahassee,Delaware-Dover,Maine-Augusta,Pennsylvania-Harrisburg,Tennessee-Nashville,Rhode Island-Providence,District of Columbia-Washington Organization: Santander Holdings USA, Inc.
Santander Holdings USA Inc
Senior Workout Officer - Remote
Santander Holdings USA Inc Columbus, Ohio
Senior Workout Officer - Remote Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! Senior Workout Officer - Must have Commercial Real Estate Workout experience. Essential Duties & Responsibilities Portfolio Management Manage a portfolio of mid- to high-complexity distressed commercial real estate loans, focusing on rent-regulated multifamily assets in NYC. Evaluate collateral performance, borrower financials, and guarantor support to identify risks and recommend appropriate workout strategies. Develop and execute resolution plans including loan modifications, forbearances, restructurings, the pursuit of various remedies. Monitor ongoing borrower compliance, property performance, and loan covenant adherence. Commercial Loan Documentation Review, interpret, and negotiate commercial loan documents, including notes, mortgages, guarantees, intercreditor agreements, and forbearance or modification agreements. Partner with internal and external counsel to ensure documentation accuracy and adherence to internal credit and regulatory standards. Identify legal and structural issues that could impact collateral recovery or enforceability. Underwriting & Financial Analysis Conduct comprehensive underwriting of rent-regulated multifamily properties, including evaluation of rent rolls, regulatory compliance, operating statements, capital needs, and market dynamics. Perform financial modeling, collateral valuations, and risk assessments to support loan resolution recommendations. Prepare and present detailed credit memoranda and action plans to management and credit committees. Negotiation & Relationship Management Lead negotiations with institutional borrowers, sponsors, investors, and legal representatives to achieve balanced, risk-mitigated outcomes. Maintain initiative-taking and professional communication with borrowers and internal stakeholders throughout the workout process. Foreclosure & REO Oversight Oversee and manage judicial foreclosure processes, coordinating with counsel to ensure compliance with state laws and procedural requirements. Manage Real Estate Owned (REO) assets post-foreclosure, including stabilization, valuation, and disposition. Collaborate with internal Real Estate and Asset Management teams to optimize recovery and minimize holding costs. Compliance, Policy, and Regulatory Adherence Ensure all actions comply with internal policies, risk management frameworks, and regulatory requirements. Maintain thorough loan files, workout documentation, and regulatory reporting consistent with audit and examination standards. Demonstrate a strong understanding of credit policy and ensure all recommendations and actions are appropriately supported and documented. Core Competencies Credit & Risk Acumen - Evaluates credit scenarios with sound judgment and risk awareness. Regulatory & Policy Adherence - Demonstrates thorough understanding of banking regulations and internal governance standards. Negotiation & Influence - Effectively negotiates with institutional counterparties to achieve optimal outcomes. Execution & Accountability - Drives timely and accurate resolution of distressed assets within established frameworks. Collaboration - Works effectively across Credit, Legal, Compliance, and Real Estate teams to support portfolio performance. 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 Education: bachelor's degree in finance, Real Estate, Accounting, or related field required; MBA or relevant graduate degree preferred. Experience: Minimum 9+ years of experience in commercial real estate workouts, special assets, or credit risk management within a regulated financial institution. Proven experience reviewing and negotiating commercial loan documentation and complex legal structures. Background in underwriting and managing rent-regulated multifamily properties in New York City. Demonstrated ability to negotiate with institutional clients and structure loan modifications or settlements. Direct experience with judicial foreclosures, receiverships, and REO management. Skills & Competencies: Understanding of NYC rent regulation and multifamily market dynamics. Strong analytical, financial modeling, and valuation skills. Excellent written and verbal communication, negotiation, and presentation skills. Ability to interpret and apply internal policies, regulatory standards, and legal documentation. Proficiency with Microsoft Excel, Word, PowerPoint, and loan servicing or risk management systems. 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. Experience in Microsoft Office products. Pays: $165k with $30k targeted annual bonus 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: $90,000.00 USD Maximum: $165,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide () 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. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. 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 to discuss your needs. Primary Location: Denver, CO, Denver Other Locations: Colorado-Denver,Ohio-Columbus,North Carolina-Raleigh,Maryland-Annapolis,Virginia-Richmond,New Hampshire-Concord,South Carolina-Columbia,Vermont-Montpelier,New Jersey-Trenton,West Virginia-Charleston,New York-Albany,Georgia-Atlanta,Connecticut-Hartford,Massachusetts-Boston,Illinois-Springfield,Florida-Tallahassee,Delaware-Dover,Maine-Augusta,Pennsylvania-Harrisburg,Tennessee-Nashville,Rhode Island-Providence,District of Columbia-Washington Organization: Santander Holdings USA, Inc.
12/11/2025
Full time
Senior Workout Officer - Remote Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! Senior Workout Officer - Must have Commercial Real Estate Workout experience. Essential Duties & Responsibilities Portfolio Management Manage a portfolio of mid- to high-complexity distressed commercial real estate loans, focusing on rent-regulated multifamily assets in NYC. Evaluate collateral performance, borrower financials, and guarantor support to identify risks and recommend appropriate workout strategies. Develop and execute resolution plans including loan modifications, forbearances, restructurings, the pursuit of various remedies. Monitor ongoing borrower compliance, property performance, and loan covenant adherence. Commercial Loan Documentation Review, interpret, and negotiate commercial loan documents, including notes, mortgages, guarantees, intercreditor agreements, and forbearance or modification agreements. Partner with internal and external counsel to ensure documentation accuracy and adherence to internal credit and regulatory standards. Identify legal and structural issues that could impact collateral recovery or enforceability. Underwriting & Financial Analysis Conduct comprehensive underwriting of rent-regulated multifamily properties, including evaluation of rent rolls, regulatory compliance, operating statements, capital needs, and market dynamics. Perform financial modeling, collateral valuations, and risk assessments to support loan resolution recommendations. Prepare and present detailed credit memoranda and action plans to management and credit committees. Negotiation & Relationship Management Lead negotiations with institutional borrowers, sponsors, investors, and legal representatives to achieve balanced, risk-mitigated outcomes. Maintain initiative-taking and professional communication with borrowers and internal stakeholders throughout the workout process. Foreclosure & REO Oversight Oversee and manage judicial foreclosure processes, coordinating with counsel to ensure compliance with state laws and procedural requirements. Manage Real Estate Owned (REO) assets post-foreclosure, including stabilization, valuation, and disposition. Collaborate with internal Real Estate and Asset Management teams to optimize recovery and minimize holding costs. Compliance, Policy, and Regulatory Adherence Ensure all actions comply with internal policies, risk management frameworks, and regulatory requirements. Maintain thorough loan files, workout documentation, and regulatory reporting consistent with audit and examination standards. Demonstrate a strong understanding of credit policy and ensure all recommendations and actions are appropriately supported and documented. Core Competencies Credit & Risk Acumen - Evaluates credit scenarios with sound judgment and risk awareness. Regulatory & Policy Adherence - Demonstrates thorough understanding of banking regulations and internal governance standards. Negotiation & Influence - Effectively negotiates with institutional counterparties to achieve optimal outcomes. Execution & Accountability - Drives timely and accurate resolution of distressed assets within established frameworks. Collaboration - Works effectively across Credit, Legal, Compliance, and Real Estate teams to support portfolio performance. 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 Education: bachelor's degree in finance, Real Estate, Accounting, or related field required; MBA or relevant graduate degree preferred. Experience: Minimum 9+ years of experience in commercial real estate workouts, special assets, or credit risk management within a regulated financial institution. Proven experience reviewing and negotiating commercial loan documentation and complex legal structures. Background in underwriting and managing rent-regulated multifamily properties in New York City. Demonstrated ability to negotiate with institutional clients and structure loan modifications or settlements. Direct experience with judicial foreclosures, receiverships, and REO management. Skills & Competencies: Understanding of NYC rent regulation and multifamily market dynamics. Strong analytical, financial modeling, and valuation skills. Excellent written and verbal communication, negotiation, and presentation skills. Ability to interpret and apply internal policies, regulatory standards, and legal documentation. Proficiency with Microsoft Excel, Word, PowerPoint, and loan servicing or risk management systems. 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. Experience in Microsoft Office products. Pays: $165k with $30k targeted annual bonus 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: $90,000.00 USD Maximum: $165,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide () 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. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. 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 to discuss your needs. Primary Location: Denver, CO, Denver Other Locations: Colorado-Denver,Ohio-Columbus,North Carolina-Raleigh,Maryland-Annapolis,Virginia-Richmond,New Hampshire-Concord,South Carolina-Columbia,Vermont-Montpelier,New Jersey-Trenton,West Virginia-Charleston,New York-Albany,Georgia-Atlanta,Connecticut-Hartford,Massachusetts-Boston,Illinois-Springfield,Florida-Tallahassee,Delaware-Dover,Maine-Augusta,Pennsylvania-Harrisburg,Tennessee-Nashville,Rhode Island-Providence,District of Columbia-Washington Organization: Santander Holdings USA, Inc.
Santander Holdings USA Inc
Senior Workout Officer - Remote
Santander Holdings USA Inc Trenton, New Jersey
Senior Workout Officer - Remote Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! Senior Workout Officer - Must have Commercial Real Estate Workout experience. Essential Duties & Responsibilities Portfolio Management Manage a portfolio of mid- to high-complexity distressed commercial real estate loans, focusing on rent-regulated multifamily assets in NYC. Evaluate collateral performance, borrower financials, and guarantor support to identify risks and recommend appropriate workout strategies. Develop and execute resolution plans including loan modifications, forbearances, restructurings, the pursuit of various remedies. Monitor ongoing borrower compliance, property performance, and loan covenant adherence. Commercial Loan Documentation Review, interpret, and negotiate commercial loan documents, including notes, mortgages, guarantees, intercreditor agreements, and forbearance or modification agreements. Partner with internal and external counsel to ensure documentation accuracy and adherence to internal credit and regulatory standards. Identify legal and structural issues that could impact collateral recovery or enforceability. Underwriting & Financial Analysis Conduct comprehensive underwriting of rent-regulated multifamily properties, including evaluation of rent rolls, regulatory compliance, operating statements, capital needs, and market dynamics. Perform financial modeling, collateral valuations, and risk assessments to support loan resolution recommendations. Prepare and present detailed credit memoranda and action plans to management and credit committees. Negotiation & Relationship Management Lead negotiations with institutional borrowers, sponsors, investors, and legal representatives to achieve balanced, risk-mitigated outcomes. Maintain initiative-taking and professional communication with borrowers and internal stakeholders throughout the workout process. Foreclosure & REO Oversight Oversee and manage judicial foreclosure processes, coordinating with counsel to ensure compliance with state laws and procedural requirements. Manage Real Estate Owned (REO) assets post-foreclosure, including stabilization, valuation, and disposition. Collaborate with internal Real Estate and Asset Management teams to optimize recovery and minimize holding costs. Compliance, Policy, and Regulatory Adherence Ensure all actions comply with internal policies, risk management frameworks, and regulatory requirements. Maintain thorough loan files, workout documentation, and regulatory reporting consistent with audit and examination standards. Demonstrate a strong understanding of credit policy and ensure all recommendations and actions are appropriately supported and documented. Core Competencies Credit & Risk Acumen - Evaluates credit scenarios with sound judgment and risk awareness. Regulatory & Policy Adherence - Demonstrates thorough understanding of banking regulations and internal governance standards. Negotiation & Influence - Effectively negotiates with institutional counterparties to achieve optimal outcomes. Execution & Accountability - Drives timely and accurate resolution of distressed assets within established frameworks. Collaboration - Works effectively across Credit, Legal, Compliance, and Real Estate teams to support portfolio performance. 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 Education: bachelor's degree in finance, Real Estate, Accounting, or related field required; MBA or relevant graduate degree preferred. Experience: Minimum 9+ years of experience in commercial real estate workouts, special assets, or credit risk management within a regulated financial institution. Proven experience reviewing and negotiating commercial loan documentation and complex legal structures. Background in underwriting and managing rent-regulated multifamily properties in New York City. Demonstrated ability to negotiate with institutional clients and structure loan modifications or settlements. Direct experience with judicial foreclosures, receiverships, and REO management. Skills & Competencies: Understanding of NYC rent regulation and multifamily market dynamics. Strong analytical, financial modeling, and valuation skills. Excellent written and verbal communication, negotiation, and presentation skills. Ability to interpret and apply internal policies, regulatory standards, and legal documentation. Proficiency with Microsoft Excel, Word, PowerPoint, and loan servicing or risk management systems. 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. Experience in Microsoft Office products. Pays: $165k with $30k targeted annual bonus 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: $90,000.00 USD Maximum: $165,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide () 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. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. 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 to discuss your needs. Primary Location: Denver, CO, Denver Other Locations: Colorado-Denver,Ohio-Columbus,North Carolina-Raleigh,Maryland-Annapolis,Virginia-Richmond,New Hampshire-Concord,South Carolina-Columbia,Vermont-Montpelier,New Jersey-Trenton,West Virginia-Charleston,New York-Albany,Georgia-Atlanta,Connecticut-Hartford,Massachusetts-Boston,Illinois-Springfield,Florida-Tallahassee,Delaware-Dover,Maine-Augusta,Pennsylvania-Harrisburg,Tennessee-Nashville,Rhode Island-Providence,District of Columbia-Washington Organization: Santander Holdings USA, Inc.
12/11/2025
Full time
Senior Workout Officer - Remote Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! Senior Workout Officer - Must have Commercial Real Estate Workout experience. Essential Duties & Responsibilities Portfolio Management Manage a portfolio of mid- to high-complexity distressed commercial real estate loans, focusing on rent-regulated multifamily assets in NYC. Evaluate collateral performance, borrower financials, and guarantor support to identify risks and recommend appropriate workout strategies. Develop and execute resolution plans including loan modifications, forbearances, restructurings, the pursuit of various remedies. Monitor ongoing borrower compliance, property performance, and loan covenant adherence. Commercial Loan Documentation Review, interpret, and negotiate commercial loan documents, including notes, mortgages, guarantees, intercreditor agreements, and forbearance or modification agreements. Partner with internal and external counsel to ensure documentation accuracy and adherence to internal credit and regulatory standards. Identify legal and structural issues that could impact collateral recovery or enforceability. Underwriting & Financial Analysis Conduct comprehensive underwriting of rent-regulated multifamily properties, including evaluation of rent rolls, regulatory compliance, operating statements, capital needs, and market dynamics. Perform financial modeling, collateral valuations, and risk assessments to support loan resolution recommendations. Prepare and present detailed credit memoranda and action plans to management and credit committees. Negotiation & Relationship Management Lead negotiations with institutional borrowers, sponsors, investors, and legal representatives to achieve balanced, risk-mitigated outcomes. Maintain initiative-taking and professional communication with borrowers and internal stakeholders throughout the workout process. Foreclosure & REO Oversight Oversee and manage judicial foreclosure processes, coordinating with counsel to ensure compliance with state laws and procedural requirements. Manage Real Estate Owned (REO) assets post-foreclosure, including stabilization, valuation, and disposition. Collaborate with internal Real Estate and Asset Management teams to optimize recovery and minimize holding costs. Compliance, Policy, and Regulatory Adherence Ensure all actions comply with internal policies, risk management frameworks, and regulatory requirements. Maintain thorough loan files, workout documentation, and regulatory reporting consistent with audit and examination standards. Demonstrate a strong understanding of credit policy and ensure all recommendations and actions are appropriately supported and documented. Core Competencies Credit & Risk Acumen - Evaluates credit scenarios with sound judgment and risk awareness. Regulatory & Policy Adherence - Demonstrates thorough understanding of banking regulations and internal governance standards. Negotiation & Influence - Effectively negotiates with institutional counterparties to achieve optimal outcomes. Execution & Accountability - Drives timely and accurate resolution of distressed assets within established frameworks. Collaboration - Works effectively across Credit, Legal, Compliance, and Real Estate teams to support portfolio performance. 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 Education: bachelor's degree in finance, Real Estate, Accounting, or related field required; MBA or relevant graduate degree preferred. Experience: Minimum 9+ years of experience in commercial real estate workouts, special assets, or credit risk management within a regulated financial institution. Proven experience reviewing and negotiating commercial loan documentation and complex legal structures. Background in underwriting and managing rent-regulated multifamily properties in New York City. Demonstrated ability to negotiate with institutional clients and structure loan modifications or settlements. Direct experience with judicial foreclosures, receiverships, and REO management. Skills & Competencies: Understanding of NYC rent regulation and multifamily market dynamics. Strong analytical, financial modeling, and valuation skills. Excellent written and verbal communication, negotiation, and presentation skills. Ability to interpret and apply internal policies, regulatory standards, and legal documentation. Proficiency with Microsoft Excel, Word, PowerPoint, and loan servicing or risk management systems. 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. Experience in Microsoft Office products. Pays: $165k with $30k targeted annual bonus 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: $90,000.00 USD Maximum: $165,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide () 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. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. 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 to discuss your needs. Primary Location: Denver, CO, Denver Other Locations: Colorado-Denver,Ohio-Columbus,North Carolina-Raleigh,Maryland-Annapolis,Virginia-Richmond,New Hampshire-Concord,South Carolina-Columbia,Vermont-Montpelier,New Jersey-Trenton,West Virginia-Charleston,New York-Albany,Georgia-Atlanta,Connecticut-Hartford,Massachusetts-Boston,Illinois-Springfield,Florida-Tallahassee,Delaware-Dover,Maine-Augusta,Pennsylvania-Harrisburg,Tennessee-Nashville,Rhode Island-Providence,District of Columbia-Washington Organization: Santander Holdings USA, Inc.
Santander Holdings USA Inc
Senior Workout Officer - Remote
Santander Holdings USA Inc Concord, New Hampshire
Senior Workout Officer - Remote Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! Senior Workout Officer - Must have Commercial Real Estate Workout experience. Essential Duties & Responsibilities Portfolio Management Manage a portfolio of mid- to high-complexity distressed commercial real estate loans, focusing on rent-regulated multifamily assets in NYC. Evaluate collateral performance, borrower financials, and guarantor support to identify risks and recommend appropriate workout strategies. Develop and execute resolution plans including loan modifications, forbearances, restructurings, the pursuit of various remedies. Monitor ongoing borrower compliance, property performance, and loan covenant adherence. Commercial Loan Documentation Review, interpret, and negotiate commercial loan documents, including notes, mortgages, guarantees, intercreditor agreements, and forbearance or modification agreements. Partner with internal and external counsel to ensure documentation accuracy and adherence to internal credit and regulatory standards. Identify legal and structural issues that could impact collateral recovery or enforceability. Underwriting & Financial Analysis Conduct comprehensive underwriting of rent-regulated multifamily properties, including evaluation of rent rolls, regulatory compliance, operating statements, capital needs, and market dynamics. Perform financial modeling, collateral valuations, and risk assessments to support loan resolution recommendations. Prepare and present detailed credit memoranda and action plans to management and credit committees. Negotiation & Relationship Management Lead negotiations with institutional borrowers, sponsors, investors, and legal representatives to achieve balanced, risk-mitigated outcomes. Maintain initiative-taking and professional communication with borrowers and internal stakeholders throughout the workout process. Foreclosure & REO Oversight Oversee and manage judicial foreclosure processes, coordinating with counsel to ensure compliance with state laws and procedural requirements. Manage Real Estate Owned (REO) assets post-foreclosure, including stabilization, valuation, and disposition. Collaborate with internal Real Estate and Asset Management teams to optimize recovery and minimize holding costs. Compliance, Policy, and Regulatory Adherence Ensure all actions comply with internal policies, risk management frameworks, and regulatory requirements. Maintain thorough loan files, workout documentation, and regulatory reporting consistent with audit and examination standards. Demonstrate a strong understanding of credit policy and ensure all recommendations and actions are appropriately supported and documented. Core Competencies Credit & Risk Acumen - Evaluates credit scenarios with sound judgment and risk awareness. Regulatory & Policy Adherence - Demonstrates thorough understanding of banking regulations and internal governance standards. Negotiation & Influence - Effectively negotiates with institutional counterparties to achieve optimal outcomes. Execution & Accountability - Drives timely and accurate resolution of distressed assets within established frameworks. Collaboration - Works effectively across Credit, Legal, Compliance, and Real Estate teams to support portfolio performance. 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 Education: bachelor's degree in finance, Real Estate, Accounting, or related field required; MBA or relevant graduate degree preferred. Experience: Minimum 9+ years of experience in commercial real estate workouts, special assets, or credit risk management within a regulated financial institution. Proven experience reviewing and negotiating commercial loan documentation and complex legal structures. Background in underwriting and managing rent-regulated multifamily properties in New York City. Demonstrated ability to negotiate with institutional clients and structure loan modifications or settlements. Direct experience with judicial foreclosures, receiverships, and REO management. Skills & Competencies: Understanding of NYC rent regulation and multifamily market dynamics. Strong analytical, financial modeling, and valuation skills. Excellent written and verbal communication, negotiation, and presentation skills. Ability to interpret and apply internal policies, regulatory standards, and legal documentation. Proficiency with Microsoft Excel, Word, PowerPoint, and loan servicing or risk management systems. 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. Experience in Microsoft Office products. Pays: $165k with $30k targeted annual bonus 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: $90,000.00 USD Maximum: $165,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide () 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. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. 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 to discuss your needs. Primary Location: Denver, CO, Denver Other Locations: Colorado-Denver,Ohio-Columbus,North Carolina-Raleigh,Maryland-Annapolis,Virginia-Richmond,New Hampshire-Concord,South Carolina-Columbia,Vermont-Montpelier,New Jersey-Trenton,West Virginia-Charleston,New York-Albany,Georgia-Atlanta,Connecticut-Hartford,Massachusetts-Boston,Illinois-Springfield,Florida-Tallahassee,Delaware-Dover,Maine-Augusta,Pennsylvania-Harrisburg,Tennessee-Nashville,Rhode Island-Providence,District of Columbia-Washington Organization: Santander Holdings USA, Inc.
12/11/2025
Full time
Senior Workout Officer - Remote Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! Senior Workout Officer - Must have Commercial Real Estate Workout experience. Essential Duties & Responsibilities Portfolio Management Manage a portfolio of mid- to high-complexity distressed commercial real estate loans, focusing on rent-regulated multifamily assets in NYC. Evaluate collateral performance, borrower financials, and guarantor support to identify risks and recommend appropriate workout strategies. Develop and execute resolution plans including loan modifications, forbearances, restructurings, the pursuit of various remedies. Monitor ongoing borrower compliance, property performance, and loan covenant adherence. Commercial Loan Documentation Review, interpret, and negotiate commercial loan documents, including notes, mortgages, guarantees, intercreditor agreements, and forbearance or modification agreements. Partner with internal and external counsel to ensure documentation accuracy and adherence to internal credit and regulatory standards. Identify legal and structural issues that could impact collateral recovery or enforceability. Underwriting & Financial Analysis Conduct comprehensive underwriting of rent-regulated multifamily properties, including evaluation of rent rolls, regulatory compliance, operating statements, capital needs, and market dynamics. Perform financial modeling, collateral valuations, and risk assessments to support loan resolution recommendations. Prepare and present detailed credit memoranda and action plans to management and credit committees. Negotiation & Relationship Management Lead negotiations with institutional borrowers, sponsors, investors, and legal representatives to achieve balanced, risk-mitigated outcomes. Maintain initiative-taking and professional communication with borrowers and internal stakeholders throughout the workout process. Foreclosure & REO Oversight Oversee and manage judicial foreclosure processes, coordinating with counsel to ensure compliance with state laws and procedural requirements. Manage Real Estate Owned (REO) assets post-foreclosure, including stabilization, valuation, and disposition. Collaborate with internal Real Estate and Asset Management teams to optimize recovery and minimize holding costs. Compliance, Policy, and Regulatory Adherence Ensure all actions comply with internal policies, risk management frameworks, and regulatory requirements. Maintain thorough loan files, workout documentation, and regulatory reporting consistent with audit and examination standards. Demonstrate a strong understanding of credit policy and ensure all recommendations and actions are appropriately supported and documented. Core Competencies Credit & Risk Acumen - Evaluates credit scenarios with sound judgment and risk awareness. Regulatory & Policy Adherence - Demonstrates thorough understanding of banking regulations and internal governance standards. Negotiation & Influence - Effectively negotiates with institutional counterparties to achieve optimal outcomes. Execution & Accountability - Drives timely and accurate resolution of distressed assets within established frameworks. Collaboration - Works effectively across Credit, Legal, Compliance, and Real Estate teams to support portfolio performance. 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 Education: bachelor's degree in finance, Real Estate, Accounting, or related field required; MBA or relevant graduate degree preferred. Experience: Minimum 9+ years of experience in commercial real estate workouts, special assets, or credit risk management within a regulated financial institution. Proven experience reviewing and negotiating commercial loan documentation and complex legal structures. Background in underwriting and managing rent-regulated multifamily properties in New York City. Demonstrated ability to negotiate with institutional clients and structure loan modifications or settlements. Direct experience with judicial foreclosures, receiverships, and REO management. Skills & Competencies: Understanding of NYC rent regulation and multifamily market dynamics. Strong analytical, financial modeling, and valuation skills. Excellent written and verbal communication, negotiation, and presentation skills. Ability to interpret and apply internal policies, regulatory standards, and legal documentation. Proficiency with Microsoft Excel, Word, PowerPoint, and loan servicing or risk management systems. 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. Experience in Microsoft Office products. Pays: $165k with $30k targeted annual bonus 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: $90,000.00 USD Maximum: $165,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide () 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. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. 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 to discuss your needs. Primary Location: Denver, CO, Denver Other Locations: Colorado-Denver,Ohio-Columbus,North Carolina-Raleigh,Maryland-Annapolis,Virginia-Richmond,New Hampshire-Concord,South Carolina-Columbia,Vermont-Montpelier,New Jersey-Trenton,West Virginia-Charleston,New York-Albany,Georgia-Atlanta,Connecticut-Hartford,Massachusetts-Boston,Illinois-Springfield,Florida-Tallahassee,Delaware-Dover,Maine-Augusta,Pennsylvania-Harrisburg,Tennessee-Nashville,Rhode Island-Providence,District of Columbia-Washington Organization: Santander Holdings USA, Inc.
Santander Holdings USA Inc
Senior Workout Officer - Remote
Santander Holdings USA Inc Albany, New York
Senior Workout Officer - Remote Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! Senior Workout Officer - Must have Commercial Real Estate Workout experience. Essential Duties & Responsibilities Portfolio Management Manage a portfolio of mid- to high-complexity distressed commercial real estate loans, focusing on rent-regulated multifamily assets in NYC. Evaluate collateral performance, borrower financials, and guarantor support to identify risks and recommend appropriate workout strategies. Develop and execute resolution plans including loan modifications, forbearances, restructurings, the pursuit of various remedies. Monitor ongoing borrower compliance, property performance, and loan covenant adherence. Commercial Loan Documentation Review, interpret, and negotiate commercial loan documents, including notes, mortgages, guarantees, intercreditor agreements, and forbearance or modification agreements. Partner with internal and external counsel to ensure documentation accuracy and adherence to internal credit and regulatory standards. Identify legal and structural issues that could impact collateral recovery or enforceability. Underwriting & Financial Analysis Conduct comprehensive underwriting of rent-regulated multifamily properties, including evaluation of rent rolls, regulatory compliance, operating statements, capital needs, and market dynamics. Perform financial modeling, collateral valuations, and risk assessments to support loan resolution recommendations. Prepare and present detailed credit memoranda and action plans to management and credit committees. Negotiation & Relationship Management Lead negotiations with institutional borrowers, sponsors, investors, and legal representatives to achieve balanced, risk-mitigated outcomes. Maintain initiative-taking and professional communication with borrowers and internal stakeholders throughout the workout process. Foreclosure & REO Oversight Oversee and manage judicial foreclosure processes, coordinating with counsel to ensure compliance with state laws and procedural requirements. Manage Real Estate Owned (REO) assets post-foreclosure, including stabilization, valuation, and disposition. Collaborate with internal Real Estate and Asset Management teams to optimize recovery and minimize holding costs. Compliance, Policy, and Regulatory Adherence Ensure all actions comply with internal policies, risk management frameworks, and regulatory requirements. Maintain thorough loan files, workout documentation, and regulatory reporting consistent with audit and examination standards. Demonstrate a strong understanding of credit policy and ensure all recommendations and actions are appropriately supported and documented. Core Competencies Credit & Risk Acumen - Evaluates credit scenarios with sound judgment and risk awareness. Regulatory & Policy Adherence - Demonstrates thorough understanding of banking regulations and internal governance standards. Negotiation & Influence - Effectively negotiates with institutional counterparties to achieve optimal outcomes. Execution & Accountability - Drives timely and accurate resolution of distressed assets within established frameworks. Collaboration - Works effectively across Credit, Legal, Compliance, and Real Estate teams to support portfolio performance. 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 Education: bachelor's degree in finance, Real Estate, Accounting, or related field required; MBA or relevant graduate degree preferred. Experience: Minimum 9+ years of experience in commercial real estate workouts, special assets, or credit risk management within a regulated financial institution. Proven experience reviewing and negotiating commercial loan documentation and complex legal structures. Background in underwriting and managing rent-regulated multifamily properties in New York City. Demonstrated ability to negotiate with institutional clients and structure loan modifications or settlements. Direct experience with judicial foreclosures, receiverships, and REO management. Skills & Competencies: Understanding of NYC rent regulation and multifamily market dynamics. Strong analytical, financial modeling, and valuation skills. Excellent written and verbal communication, negotiation, and presentation skills. Ability to interpret and apply internal policies, regulatory standards, and legal documentation. Proficiency with Microsoft Excel, Word, PowerPoint, and loan servicing or risk management systems. 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. Experience in Microsoft Office products. Pays: $165k with $30k targeted annual bonus 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: $90,000.00 USD Maximum: $165,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide () 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. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. 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 to discuss your needs. Primary Location: Denver, CO, Denver Other Locations: Colorado-Denver,Ohio-Columbus,North Carolina-Raleigh,Maryland-Annapolis,Virginia-Richmond,New Hampshire-Concord,South Carolina-Columbia,Vermont-Montpelier,New Jersey-Trenton,West Virginia-Charleston,New York-Albany,Georgia-Atlanta,Connecticut-Hartford,Massachusetts-Boston,Illinois-Springfield,Florida-Tallahassee,Delaware-Dover,Maine-Augusta,Pennsylvania-Harrisburg,Tennessee-Nashville,Rhode Island-Providence,District of Columbia-Washington Organization: Santander Holdings USA, Inc.
12/11/2025
Full time
Senior Workout Officer - Remote Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! Senior Workout Officer - Must have Commercial Real Estate Workout experience. Essential Duties & Responsibilities Portfolio Management Manage a portfolio of mid- to high-complexity distressed commercial real estate loans, focusing on rent-regulated multifamily assets in NYC. Evaluate collateral performance, borrower financials, and guarantor support to identify risks and recommend appropriate workout strategies. Develop and execute resolution plans including loan modifications, forbearances, restructurings, the pursuit of various remedies. Monitor ongoing borrower compliance, property performance, and loan covenant adherence. Commercial Loan Documentation Review, interpret, and negotiate commercial loan documents, including notes, mortgages, guarantees, intercreditor agreements, and forbearance or modification agreements. Partner with internal and external counsel to ensure documentation accuracy and adherence to internal credit and regulatory standards. Identify legal and structural issues that could impact collateral recovery or enforceability. Underwriting & Financial Analysis Conduct comprehensive underwriting of rent-regulated multifamily properties, including evaluation of rent rolls, regulatory compliance, operating statements, capital needs, and market dynamics. Perform financial modeling, collateral valuations, and risk assessments to support loan resolution recommendations. Prepare and present detailed credit memoranda and action plans to management and credit committees. Negotiation & Relationship Management Lead negotiations with institutional borrowers, sponsors, investors, and legal representatives to achieve balanced, risk-mitigated outcomes. Maintain initiative-taking and professional communication with borrowers and internal stakeholders throughout the workout process. Foreclosure & REO Oversight Oversee and manage judicial foreclosure processes, coordinating with counsel to ensure compliance with state laws and procedural requirements. Manage Real Estate Owned (REO) assets post-foreclosure, including stabilization, valuation, and disposition. Collaborate with internal Real Estate and Asset Management teams to optimize recovery and minimize holding costs. Compliance, Policy, and Regulatory Adherence Ensure all actions comply with internal policies, risk management frameworks, and regulatory requirements. Maintain thorough loan files, workout documentation, and regulatory reporting consistent with audit and examination standards. Demonstrate a strong understanding of credit policy and ensure all recommendations and actions are appropriately supported and documented. Core Competencies Credit & Risk Acumen - Evaluates credit scenarios with sound judgment and risk awareness. Regulatory & Policy Adherence - Demonstrates thorough understanding of banking regulations and internal governance standards. Negotiation & Influence - Effectively negotiates with institutional counterparties to achieve optimal outcomes. Execution & Accountability - Drives timely and accurate resolution of distressed assets within established frameworks. Collaboration - Works effectively across Credit, Legal, Compliance, and Real Estate teams to support portfolio performance. 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 Education: bachelor's degree in finance, Real Estate, Accounting, or related field required; MBA or relevant graduate degree preferred. Experience: Minimum 9+ years of experience in commercial real estate workouts, special assets, or credit risk management within a regulated financial institution. Proven experience reviewing and negotiating commercial loan documentation and complex legal structures. Background in underwriting and managing rent-regulated multifamily properties in New York City. Demonstrated ability to negotiate with institutional clients and structure loan modifications or settlements. Direct experience with judicial foreclosures, receiverships, and REO management. Skills & Competencies: Understanding of NYC rent regulation and multifamily market dynamics. Strong analytical, financial modeling, and valuation skills. Excellent written and verbal communication, negotiation, and presentation skills. Ability to interpret and apply internal policies, regulatory standards, and legal documentation. Proficiency with Microsoft Excel, Word, PowerPoint, and loan servicing or risk management systems. 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. Experience in Microsoft Office products. Pays: $165k with $30k targeted annual bonus 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: $90,000.00 USD Maximum: $165,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide () 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. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. 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 to discuss your needs. Primary Location: Denver, CO, Denver Other Locations: Colorado-Denver,Ohio-Columbus,North Carolina-Raleigh,Maryland-Annapolis,Virginia-Richmond,New Hampshire-Concord,South Carolina-Columbia,Vermont-Montpelier,New Jersey-Trenton,West Virginia-Charleston,New York-Albany,Georgia-Atlanta,Connecticut-Hartford,Massachusetts-Boston,Illinois-Springfield,Florida-Tallahassee,Delaware-Dover,Maine-Augusta,Pennsylvania-Harrisburg,Tennessee-Nashville,Rhode Island-Providence,District of Columbia-Washington Organization: Santander Holdings USA, Inc.
Santander Holdings USA Inc
Senior Workout Officer - Remote
Santander Holdings USA Inc Washington, Washington DC
Senior Workout Officer - Remote Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! Senior Workout Officer - Must have Commercial Real Estate Workout experience. Essential Duties & Responsibilities Portfolio Management Manage a portfolio of mid- to high-complexity distressed commercial real estate loans, focusing on rent-regulated multifamily assets in NYC. Evaluate collateral performance, borrower financials, and guarantor support to identify risks and recommend appropriate workout strategies. Develop and execute resolution plans including loan modifications, forbearances, restructurings, the pursuit of various remedies. Monitor ongoing borrower compliance, property performance, and loan covenant adherence. Commercial Loan Documentation Review, interpret, and negotiate commercial loan documents, including notes, mortgages, guarantees, intercreditor agreements, and forbearance or modification agreements. Partner with internal and external counsel to ensure documentation accuracy and adherence to internal credit and regulatory standards. Identify legal and structural issues that could impact collateral recovery or enforceability. Underwriting & Financial Analysis Conduct comprehensive underwriting of rent-regulated multifamily properties, including evaluation of rent rolls, regulatory compliance, operating statements, capital needs, and market dynamics. Perform financial modeling, collateral valuations, and risk assessments to support loan resolution recommendations. Prepare and present detailed credit memoranda and action plans to management and credit committees. Negotiation & Relationship Management Lead negotiations with institutional borrowers, sponsors, investors, and legal representatives to achieve balanced, risk-mitigated outcomes. Maintain initiative-taking and professional communication with borrowers and internal stakeholders throughout the workout process. Foreclosure & REO Oversight Oversee and manage judicial foreclosure processes, coordinating with counsel to ensure compliance with state laws and procedural requirements. Manage Real Estate Owned (REO) assets post-foreclosure, including stabilization, valuation, and disposition. Collaborate with internal Real Estate and Asset Management teams to optimize recovery and minimize holding costs. Compliance, Policy, and Regulatory Adherence Ensure all actions comply with internal policies, risk management frameworks, and regulatory requirements. Maintain thorough loan files, workout documentation, and regulatory reporting consistent with audit and examination standards. Demonstrate a strong understanding of credit policy and ensure all recommendations and actions are appropriately supported and documented. Core Competencies Credit & Risk Acumen - Evaluates credit scenarios with sound judgment and risk awareness. Regulatory & Policy Adherence - Demonstrates thorough understanding of banking regulations and internal governance standards. Negotiation & Influence - Effectively negotiates with institutional counterparties to achieve optimal outcomes. Execution & Accountability - Drives timely and accurate resolution of distressed assets within established frameworks. Collaboration - Works effectively across Credit, Legal, Compliance, and Real Estate teams to support portfolio performance. 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 Education: bachelor's degree in finance, Real Estate, Accounting, or related field required; MBA or relevant graduate degree preferred. Experience: Minimum 9+ years of experience in commercial real estate workouts, special assets, or credit risk management within a regulated financial institution. Proven experience reviewing and negotiating commercial loan documentation and complex legal structures. Background in underwriting and managing rent-regulated multifamily properties in New York City. Demonstrated ability to negotiate with institutional clients and structure loan modifications or settlements. Direct experience with judicial foreclosures, receiverships, and REO management. Skills & Competencies: Understanding of NYC rent regulation and multifamily market dynamics. Strong analytical, financial modeling, and valuation skills. Excellent written and verbal communication, negotiation, and presentation skills. Ability to interpret and apply internal policies, regulatory standards, and legal documentation. Proficiency with Microsoft Excel, Word, PowerPoint, and loan servicing or risk management systems. 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. Experience in Microsoft Office products. Pays: $165k with $30k targeted annual bonus 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: $90,000.00 USD Maximum: $165,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide () 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. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. 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 to discuss your needs. Primary Location: Denver, CO, Denver Other Locations: Colorado-Denver,Ohio-Columbus,North Carolina-Raleigh,Maryland-Annapolis,Virginia-Richmond,New Hampshire-Concord,South Carolina-Columbia,Vermont-Montpelier,New Jersey-Trenton,West Virginia-Charleston,New York-Albany,Georgia-Atlanta,Connecticut-Hartford,Massachusetts-Boston,Illinois-Springfield,Florida-Tallahassee,Delaware-Dover,Maine-Augusta,Pennsylvania-Harrisburg,Tennessee-Nashville,Rhode Island-Providence,District of Columbia-Washington Organization: Santander Holdings USA, Inc.
12/11/2025
Full time
Senior Workout Officer - Remote Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! Senior Workout Officer - Must have Commercial Real Estate Workout experience. Essential Duties & Responsibilities Portfolio Management Manage a portfolio of mid- to high-complexity distressed commercial real estate loans, focusing on rent-regulated multifamily assets in NYC. Evaluate collateral performance, borrower financials, and guarantor support to identify risks and recommend appropriate workout strategies. Develop and execute resolution plans including loan modifications, forbearances, restructurings, the pursuit of various remedies. Monitor ongoing borrower compliance, property performance, and loan covenant adherence. Commercial Loan Documentation Review, interpret, and negotiate commercial loan documents, including notes, mortgages, guarantees, intercreditor agreements, and forbearance or modification agreements. Partner with internal and external counsel to ensure documentation accuracy and adherence to internal credit and regulatory standards. Identify legal and structural issues that could impact collateral recovery or enforceability. Underwriting & Financial Analysis Conduct comprehensive underwriting of rent-regulated multifamily properties, including evaluation of rent rolls, regulatory compliance, operating statements, capital needs, and market dynamics. Perform financial modeling, collateral valuations, and risk assessments to support loan resolution recommendations. Prepare and present detailed credit memoranda and action plans to management and credit committees. Negotiation & Relationship Management Lead negotiations with institutional borrowers, sponsors, investors, and legal representatives to achieve balanced, risk-mitigated outcomes. Maintain initiative-taking and professional communication with borrowers and internal stakeholders throughout the workout process. Foreclosure & REO Oversight Oversee and manage judicial foreclosure processes, coordinating with counsel to ensure compliance with state laws and procedural requirements. Manage Real Estate Owned (REO) assets post-foreclosure, including stabilization, valuation, and disposition. Collaborate with internal Real Estate and Asset Management teams to optimize recovery and minimize holding costs. Compliance, Policy, and Regulatory Adherence Ensure all actions comply with internal policies, risk management frameworks, and regulatory requirements. Maintain thorough loan files, workout documentation, and regulatory reporting consistent with audit and examination standards. Demonstrate a strong understanding of credit policy and ensure all recommendations and actions are appropriately supported and documented. Core Competencies Credit & Risk Acumen - Evaluates credit scenarios with sound judgment and risk awareness. Regulatory & Policy Adherence - Demonstrates thorough understanding of banking regulations and internal governance standards. Negotiation & Influence - Effectively negotiates with institutional counterparties to achieve optimal outcomes. Execution & Accountability - Drives timely and accurate resolution of distressed assets within established frameworks. Collaboration - Works effectively across Credit, Legal, Compliance, and Real Estate teams to support portfolio performance. 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 Education: bachelor's degree in finance, Real Estate, Accounting, or related field required; MBA or relevant graduate degree preferred. Experience: Minimum 9+ years of experience in commercial real estate workouts, special assets, or credit risk management within a regulated financial institution. Proven experience reviewing and negotiating commercial loan documentation and complex legal structures. Background in underwriting and managing rent-regulated multifamily properties in New York City. Demonstrated ability to negotiate with institutional clients and structure loan modifications or settlements. Direct experience with judicial foreclosures, receiverships, and REO management. Skills & Competencies: Understanding of NYC rent regulation and multifamily market dynamics. Strong analytical, financial modeling, and valuation skills. Excellent written and verbal communication, negotiation, and presentation skills. Ability to interpret and apply internal policies, regulatory standards, and legal documentation. Proficiency with Microsoft Excel, Word, PowerPoint, and loan servicing or risk management systems. 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. Experience in Microsoft Office products. Pays: $165k with $30k targeted annual bonus 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: $90,000.00 USD Maximum: $165,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide () 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. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. 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 to discuss your needs. Primary Location: Denver, CO, Denver Other Locations: Colorado-Denver,Ohio-Columbus,North Carolina-Raleigh,Maryland-Annapolis,Virginia-Richmond,New Hampshire-Concord,South Carolina-Columbia,Vermont-Montpelier,New Jersey-Trenton,West Virginia-Charleston,New York-Albany,Georgia-Atlanta,Connecticut-Hartford,Massachusetts-Boston,Illinois-Springfield,Florida-Tallahassee,Delaware-Dover,Maine-Augusta,Pennsylvania-Harrisburg,Tennessee-Nashville,Rhode Island-Providence,District of Columbia-Washington Organization: Santander Holdings USA, Inc.
Santander Holdings USA Inc
Senior Workout Officer - Remote
Santander Holdings USA Inc Richmond, Virginia
Senior Workout Officer - Remote Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! Senior Workout Officer - Must have Commercial Real Estate Workout experience. Essential Duties & Responsibilities Portfolio Management Manage a portfolio of mid- to high-complexity distressed commercial real estate loans, focusing on rent-regulated multifamily assets in NYC. Evaluate collateral performance, borrower financials, and guarantor support to identify risks and recommend appropriate workout strategies. Develop and execute resolution plans including loan modifications, forbearances, restructurings, the pursuit of various remedies. Monitor ongoing borrower compliance, property performance, and loan covenant adherence. Commercial Loan Documentation Review, interpret, and negotiate commercial loan documents, including notes, mortgages, guarantees, intercreditor agreements, and forbearance or modification agreements. Partner with internal and external counsel to ensure documentation accuracy and adherence to internal credit and regulatory standards. Identify legal and structural issues that could impact collateral recovery or enforceability. Underwriting & Financial Analysis Conduct comprehensive underwriting of rent-regulated multifamily properties, including evaluation of rent rolls, regulatory compliance, operating statements, capital needs, and market dynamics. Perform financial modeling, collateral valuations, and risk assessments to support loan resolution recommendations. Prepare and present detailed credit memoranda and action plans to management and credit committees. Negotiation & Relationship Management Lead negotiations with institutional borrowers, sponsors, investors, and legal representatives to achieve balanced, risk-mitigated outcomes. Maintain initiative-taking and professional communication with borrowers and internal stakeholders throughout the workout process. Foreclosure & REO Oversight Oversee and manage judicial foreclosure processes, coordinating with counsel to ensure compliance with state laws and procedural requirements. Manage Real Estate Owned (REO) assets post-foreclosure, including stabilization, valuation, and disposition. Collaborate with internal Real Estate and Asset Management teams to optimize recovery and minimize holding costs. Compliance, Policy, and Regulatory Adherence Ensure all actions comply with internal policies, risk management frameworks, and regulatory requirements. Maintain thorough loan files, workout documentation, and regulatory reporting consistent with audit and examination standards. Demonstrate a strong understanding of credit policy and ensure all recommendations and actions are appropriately supported and documented. Core Competencies Credit & Risk Acumen - Evaluates credit scenarios with sound judgment and risk awareness. Regulatory & Policy Adherence - Demonstrates thorough understanding of banking regulations and internal governance standards. Negotiation & Influence - Effectively negotiates with institutional counterparties to achieve optimal outcomes. Execution & Accountability - Drives timely and accurate resolution of distressed assets within established frameworks. Collaboration - Works effectively across Credit, Legal, Compliance, and Real Estate teams to support portfolio performance. 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 Education: bachelor's degree in finance, Real Estate, Accounting, or related field required; MBA or relevant graduate degree preferred. Experience: Minimum 9+ years of experience in commercial real estate workouts, special assets, or credit risk management within a regulated financial institution. Proven experience reviewing and negotiating commercial loan documentation and complex legal structures. Background in underwriting and managing rent-regulated multifamily properties in New York City. Demonstrated ability to negotiate with institutional clients and structure loan modifications or settlements. Direct experience with judicial foreclosures, receiverships, and REO management. Skills & Competencies: Understanding of NYC rent regulation and multifamily market dynamics. Strong analytical, financial modeling, and valuation skills. Excellent written and verbal communication, negotiation, and presentation skills. Ability to interpret and apply internal policies, regulatory standards, and legal documentation. Proficiency with Microsoft Excel, Word, PowerPoint, and loan servicing or risk management systems. 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. Experience in Microsoft Office products. Pays: $165k with $30k targeted annual bonus 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: $90,000.00 USD Maximum: $165,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide () 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. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. 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 to discuss your needs. Primary Location: Denver, CO, Denver Other Locations: Colorado-Denver,Ohio-Columbus,North Carolina-Raleigh,Maryland-Annapolis,Virginia-Richmond,New Hampshire-Concord,South Carolina-Columbia,Vermont-Montpelier,New Jersey-Trenton,West Virginia-Charleston,New York-Albany,Georgia-Atlanta,Connecticut-Hartford,Massachusetts-Boston,Illinois-Springfield,Florida-Tallahassee,Delaware-Dover,Maine-Augusta,Pennsylvania-Harrisburg,Tennessee-Nashville,Rhode Island-Providence,District of Columbia-Washington Organization: Santander Holdings USA, Inc.
12/11/2025
Full time
Senior Workout Officer - Remote Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! Senior Workout Officer - Must have Commercial Real Estate Workout experience. Essential Duties & Responsibilities Portfolio Management Manage a portfolio of mid- to high-complexity distressed commercial real estate loans, focusing on rent-regulated multifamily assets in NYC. Evaluate collateral performance, borrower financials, and guarantor support to identify risks and recommend appropriate workout strategies. Develop and execute resolution plans including loan modifications, forbearances, restructurings, the pursuit of various remedies. Monitor ongoing borrower compliance, property performance, and loan covenant adherence. Commercial Loan Documentation Review, interpret, and negotiate commercial loan documents, including notes, mortgages, guarantees, intercreditor agreements, and forbearance or modification agreements. Partner with internal and external counsel to ensure documentation accuracy and adherence to internal credit and regulatory standards. Identify legal and structural issues that could impact collateral recovery or enforceability. Underwriting & Financial Analysis Conduct comprehensive underwriting of rent-regulated multifamily properties, including evaluation of rent rolls, regulatory compliance, operating statements, capital needs, and market dynamics. Perform financial modeling, collateral valuations, and risk assessments to support loan resolution recommendations. Prepare and present detailed credit memoranda and action plans to management and credit committees. Negotiation & Relationship Management Lead negotiations with institutional borrowers, sponsors, investors, and legal representatives to achieve balanced, risk-mitigated outcomes. Maintain initiative-taking and professional communication with borrowers and internal stakeholders throughout the workout process. Foreclosure & REO Oversight Oversee and manage judicial foreclosure processes, coordinating with counsel to ensure compliance with state laws and procedural requirements. Manage Real Estate Owned (REO) assets post-foreclosure, including stabilization, valuation, and disposition. Collaborate with internal Real Estate and Asset Management teams to optimize recovery and minimize holding costs. Compliance, Policy, and Regulatory Adherence Ensure all actions comply with internal policies, risk management frameworks, and regulatory requirements. Maintain thorough loan files, workout documentation, and regulatory reporting consistent with audit and examination standards. Demonstrate a strong understanding of credit policy and ensure all recommendations and actions are appropriately supported and documented. Core Competencies Credit & Risk Acumen - Evaluates credit scenarios with sound judgment and risk awareness. Regulatory & Policy Adherence - Demonstrates thorough understanding of banking regulations and internal governance standards. Negotiation & Influence - Effectively negotiates with institutional counterparties to achieve optimal outcomes. Execution & Accountability - Drives timely and accurate resolution of distressed assets within established frameworks. Collaboration - Works effectively across Credit, Legal, Compliance, and Real Estate teams to support portfolio performance. 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 Education: bachelor's degree in finance, Real Estate, Accounting, or related field required; MBA or relevant graduate degree preferred. Experience: Minimum 9+ years of experience in commercial real estate workouts, special assets, or credit risk management within a regulated financial institution. Proven experience reviewing and negotiating commercial loan documentation and complex legal structures. Background in underwriting and managing rent-regulated multifamily properties in New York City. Demonstrated ability to negotiate with institutional clients and structure loan modifications or settlements. Direct experience with judicial foreclosures, receiverships, and REO management. Skills & Competencies: Understanding of NYC rent regulation and multifamily market dynamics. Strong analytical, financial modeling, and valuation skills. Excellent written and verbal communication, negotiation, and presentation skills. Ability to interpret and apply internal policies, regulatory standards, and legal documentation. Proficiency with Microsoft Excel, Word, PowerPoint, and loan servicing or risk management systems. 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. Experience in Microsoft Office products. Pays: $165k with $30k targeted annual bonus 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: $90,000.00 USD Maximum: $165,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide () 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. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. 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 to discuss your needs. Primary Location: Denver, CO, Denver Other Locations: Colorado-Denver,Ohio-Columbus,North Carolina-Raleigh,Maryland-Annapolis,Virginia-Richmond,New Hampshire-Concord,South Carolina-Columbia,Vermont-Montpelier,New Jersey-Trenton,West Virginia-Charleston,New York-Albany,Georgia-Atlanta,Connecticut-Hartford,Massachusetts-Boston,Illinois-Springfield,Florida-Tallahassee,Delaware-Dover,Maine-Augusta,Pennsylvania-Harrisburg,Tennessee-Nashville,Rhode Island-Providence,District of Columbia-Washington Organization: Santander Holdings USA, Inc.
Santander Holdings USA Inc
Senior Workout Officer - Remote
Santander Holdings USA Inc Nashville, Tennessee
Senior Workout Officer - Remote Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! Senior Workout Officer - Must have Commercial Real Estate Workout experience. Essential Duties & Responsibilities Portfolio Management Manage a portfolio of mid- to high-complexity distressed commercial real estate loans, focusing on rent-regulated multifamily assets in NYC. Evaluate collateral performance, borrower financials, and guarantor support to identify risks and recommend appropriate workout strategies. Develop and execute resolution plans including loan modifications, forbearances, restructurings, the pursuit of various remedies. Monitor ongoing borrower compliance, property performance, and loan covenant adherence. Commercial Loan Documentation Review, interpret, and negotiate commercial loan documents, including notes, mortgages, guarantees, intercreditor agreements, and forbearance or modification agreements. Partner with internal and external counsel to ensure documentation accuracy and adherence to internal credit and regulatory standards. Identify legal and structural issues that could impact collateral recovery or enforceability. Underwriting & Financial Analysis Conduct comprehensive underwriting of rent-regulated multifamily properties, including evaluation of rent rolls, regulatory compliance, operating statements, capital needs, and market dynamics. Perform financial modeling, collateral valuations, and risk assessments to support loan resolution recommendations. Prepare and present detailed credit memoranda and action plans to management and credit committees. Negotiation & Relationship Management Lead negotiations with institutional borrowers, sponsors, investors, and legal representatives to achieve balanced, risk-mitigated outcomes. Maintain initiative-taking and professional communication with borrowers and internal stakeholders throughout the workout process. Foreclosure & REO Oversight Oversee and manage judicial foreclosure processes, coordinating with counsel to ensure compliance with state laws and procedural requirements. Manage Real Estate Owned (REO) assets post-foreclosure, including stabilization, valuation, and disposition. Collaborate with internal Real Estate and Asset Management teams to optimize recovery and minimize holding costs. Compliance, Policy, and Regulatory Adherence Ensure all actions comply with internal policies, risk management frameworks, and regulatory requirements. Maintain thorough loan files, workout documentation, and regulatory reporting consistent with audit and examination standards. Demonstrate a strong understanding of credit policy and ensure all recommendations and actions are appropriately supported and documented. Core Competencies Credit & Risk Acumen - Evaluates credit scenarios with sound judgment and risk awareness. Regulatory & Policy Adherence - Demonstrates thorough understanding of banking regulations and internal governance standards. Negotiation & Influence - Effectively negotiates with institutional counterparties to achieve optimal outcomes. Execution & Accountability - Drives timely and accurate resolution of distressed assets within established frameworks. Collaboration - Works effectively across Credit, Legal, Compliance, and Real Estate teams to support portfolio performance. 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 Education: bachelor's degree in finance, Real Estate, Accounting, or related field required; MBA or relevant graduate degree preferred. Experience: Minimum 9+ years of experience in commercial real estate workouts, special assets, or credit risk management within a regulated financial institution. Proven experience reviewing and negotiating commercial loan documentation and complex legal structures. Background in underwriting and managing rent-regulated multifamily properties in New York City. Demonstrated ability to negotiate with institutional clients and structure loan modifications or settlements. Direct experience with judicial foreclosures, receiverships, and REO management. Skills & Competencies: Understanding of NYC rent regulation and multifamily market dynamics. Strong analytical, financial modeling, and valuation skills. Excellent written and verbal communication, negotiation, and presentation skills. Ability to interpret and apply internal policies, regulatory standards, and legal documentation. Proficiency with Microsoft Excel, Word, PowerPoint, and loan servicing or risk management systems. 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. Experience in Microsoft Office products. Pays: $165k with $30k targeted annual bonus 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: $90,000.00 USD Maximum: $165,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide () 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. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. 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 to discuss your needs. Primary Location: Denver, CO, Denver Other Locations: Colorado-Denver,Ohio-Columbus,North Carolina-Raleigh,Maryland-Annapolis,Virginia-Richmond,New Hampshire-Concord,South Carolina-Columbia,Vermont-Montpelier,New Jersey-Trenton,West Virginia-Charleston,New York-Albany,Georgia-Atlanta,Connecticut-Hartford,Massachusetts-Boston,Illinois-Springfield,Florida-Tallahassee,Delaware-Dover,Maine-Augusta,Pennsylvania-Harrisburg,Tennessee-Nashville,Rhode Island-Providence,District of Columbia-Washington Organization: Santander Holdings USA, Inc.
12/11/2025
Full time
Senior Workout Officer - Remote Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! Senior Workout Officer - Must have Commercial Real Estate Workout experience. Essential Duties & Responsibilities Portfolio Management Manage a portfolio of mid- to high-complexity distressed commercial real estate loans, focusing on rent-regulated multifamily assets in NYC. Evaluate collateral performance, borrower financials, and guarantor support to identify risks and recommend appropriate workout strategies. Develop and execute resolution plans including loan modifications, forbearances, restructurings, the pursuit of various remedies. Monitor ongoing borrower compliance, property performance, and loan covenant adherence. Commercial Loan Documentation Review, interpret, and negotiate commercial loan documents, including notes, mortgages, guarantees, intercreditor agreements, and forbearance or modification agreements. Partner with internal and external counsel to ensure documentation accuracy and adherence to internal credit and regulatory standards. Identify legal and structural issues that could impact collateral recovery or enforceability. Underwriting & Financial Analysis Conduct comprehensive underwriting of rent-regulated multifamily properties, including evaluation of rent rolls, regulatory compliance, operating statements, capital needs, and market dynamics. Perform financial modeling, collateral valuations, and risk assessments to support loan resolution recommendations. Prepare and present detailed credit memoranda and action plans to management and credit committees. Negotiation & Relationship Management Lead negotiations with institutional borrowers, sponsors, investors, and legal representatives to achieve balanced, risk-mitigated outcomes. Maintain initiative-taking and professional communication with borrowers and internal stakeholders throughout the workout process. Foreclosure & REO Oversight Oversee and manage judicial foreclosure processes, coordinating with counsel to ensure compliance with state laws and procedural requirements. Manage Real Estate Owned (REO) assets post-foreclosure, including stabilization, valuation, and disposition. Collaborate with internal Real Estate and Asset Management teams to optimize recovery and minimize holding costs. Compliance, Policy, and Regulatory Adherence Ensure all actions comply with internal policies, risk management frameworks, and regulatory requirements. Maintain thorough loan files, workout documentation, and regulatory reporting consistent with audit and examination standards. Demonstrate a strong understanding of credit policy and ensure all recommendations and actions are appropriately supported and documented. Core Competencies Credit & Risk Acumen - Evaluates credit scenarios with sound judgment and risk awareness. Regulatory & Policy Adherence - Demonstrates thorough understanding of banking regulations and internal governance standards. Negotiation & Influence - Effectively negotiates with institutional counterparties to achieve optimal outcomes. Execution & Accountability - Drives timely and accurate resolution of distressed assets within established frameworks. Collaboration - Works effectively across Credit, Legal, Compliance, and Real Estate teams to support portfolio performance. 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 Education: bachelor's degree in finance, Real Estate, Accounting, or related field required; MBA or relevant graduate degree preferred. Experience: Minimum 9+ years of experience in commercial real estate workouts, special assets, or credit risk management within a regulated financial institution. Proven experience reviewing and negotiating commercial loan documentation and complex legal structures. Background in underwriting and managing rent-regulated multifamily properties in New York City. Demonstrated ability to negotiate with institutional clients and structure loan modifications or settlements. Direct experience with judicial foreclosures, receiverships, and REO management. Skills & Competencies: Understanding of NYC rent regulation and multifamily market dynamics. Strong analytical, financial modeling, and valuation skills. Excellent written and verbal communication, negotiation, and presentation skills. Ability to interpret and apply internal policies, regulatory standards, and legal documentation. Proficiency with Microsoft Excel, Word, PowerPoint, and loan servicing or risk management systems. 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. Experience in Microsoft Office products. Pays: $165k with $30k targeted annual bonus 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: $90,000.00 USD Maximum: $165,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide () 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. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. 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 to discuss your needs. Primary Location: Denver, CO, Denver Other Locations: Colorado-Denver,Ohio-Columbus,North Carolina-Raleigh,Maryland-Annapolis,Virginia-Richmond,New Hampshire-Concord,South Carolina-Columbia,Vermont-Montpelier,New Jersey-Trenton,West Virginia-Charleston,New York-Albany,Georgia-Atlanta,Connecticut-Hartford,Massachusetts-Boston,Illinois-Springfield,Florida-Tallahassee,Delaware-Dover,Maine-Augusta,Pennsylvania-Harrisburg,Tennessee-Nashville,Rhode Island-Providence,District of Columbia-Washington Organization: Santander Holdings USA, Inc.
Santander Holdings USA Inc
Senior Workout Officer - Remote
Santander Holdings USA Inc Atlanta, Georgia
Senior Workout Officer - Remote Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! Senior Workout Officer - Must have Commercial Real Estate Workout experience. Essential Duties & Responsibilities Portfolio Management Manage a portfolio of mid- to high-complexity distressed commercial real estate loans, focusing on rent-regulated multifamily assets in NYC. Evaluate collateral performance, borrower financials, and guarantor support to identify risks and recommend appropriate workout strategies. Develop and execute resolution plans including loan modifications, forbearances, restructurings, the pursuit of various remedies. Monitor ongoing borrower compliance, property performance, and loan covenant adherence. Commercial Loan Documentation Review, interpret, and negotiate commercial loan documents, including notes, mortgages, guarantees, intercreditor agreements, and forbearance or modification agreements. Partner with internal and external counsel to ensure documentation accuracy and adherence to internal credit and regulatory standards. Identify legal and structural issues that could impact collateral recovery or enforceability. Underwriting & Financial Analysis Conduct comprehensive underwriting of rent-regulated multifamily properties, including evaluation of rent rolls, regulatory compliance, operating statements, capital needs, and market dynamics. Perform financial modeling, collateral valuations, and risk assessments to support loan resolution recommendations. Prepare and present detailed credit memoranda and action plans to management and credit committees. Negotiation & Relationship Management Lead negotiations with institutional borrowers, sponsors, investors, and legal representatives to achieve balanced, risk-mitigated outcomes. Maintain initiative-taking and professional communication with borrowers and internal stakeholders throughout the workout process. Foreclosure & REO Oversight Oversee and manage judicial foreclosure processes, coordinating with counsel to ensure compliance with state laws and procedural requirements. Manage Real Estate Owned (REO) assets post-foreclosure, including stabilization, valuation, and disposition. Collaborate with internal Real Estate and Asset Management teams to optimize recovery and minimize holding costs. Compliance, Policy, and Regulatory Adherence Ensure all actions comply with internal policies, risk management frameworks, and regulatory requirements. Maintain thorough loan files, workout documentation, and regulatory reporting consistent with audit and examination standards. Demonstrate a strong understanding of credit policy and ensure all recommendations and actions are appropriately supported and documented. Core Competencies Credit & Risk Acumen - Evaluates credit scenarios with sound judgment and risk awareness. Regulatory & Policy Adherence - Demonstrates thorough understanding of banking regulations and internal governance standards. Negotiation & Influence - Effectively negotiates with institutional counterparties to achieve optimal outcomes. Execution & Accountability - Drives timely and accurate resolution of distressed assets within established frameworks. Collaboration - Works effectively across Credit, Legal, Compliance, and Real Estate teams to support portfolio performance. 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 Education: bachelor's degree in finance, Real Estate, Accounting, or related field required; MBA or relevant graduate degree preferred. Experience: Minimum 9+ years of experience in commercial real estate workouts, special assets, or credit risk management within a regulated financial institution. Proven experience reviewing and negotiating commercial loan documentation and complex legal structures. Background in underwriting and managing rent-regulated multifamily properties in New York City. Demonstrated ability to negotiate with institutional clients and structure loan modifications or settlements. Direct experience with judicial foreclosures, receiverships, and REO management. Skills & Competencies: Understanding of NYC rent regulation and multifamily market dynamics. Strong analytical, financial modeling, and valuation skills. Excellent written and verbal communication, negotiation, and presentation skills. Ability to interpret and apply internal policies, regulatory standards, and legal documentation. Proficiency with Microsoft Excel, Word, PowerPoint, and loan servicing or risk management systems. 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. Experience in Microsoft Office products. Pays: $165k with $30k targeted annual bonus 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: $90,000.00 USD Maximum: $165,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide () 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. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. 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 to discuss your needs. Primary Location: Denver, CO, Denver Other Locations: Colorado-Denver,Ohio-Columbus,North Carolina-Raleigh,Maryland-Annapolis,Virginia-Richmond,New Hampshire-Concord,South Carolina-Columbia,Vermont-Montpelier,New Jersey-Trenton,West Virginia-Charleston,New York-Albany,Georgia-Atlanta,Connecticut-Hartford,Massachusetts-Boston,Illinois-Springfield,Florida-Tallahassee,Delaware-Dover,Maine-Augusta,Pennsylvania-Harrisburg,Tennessee-Nashville,Rhode Island-Providence,District of Columbia-Washington Organization: Santander Holdings USA, Inc.
12/11/2025
Full time
Senior Workout Officer - Remote Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! Senior Workout Officer - Must have Commercial Real Estate Workout experience. Essential Duties & Responsibilities Portfolio Management Manage a portfolio of mid- to high-complexity distressed commercial real estate loans, focusing on rent-regulated multifamily assets in NYC. Evaluate collateral performance, borrower financials, and guarantor support to identify risks and recommend appropriate workout strategies. Develop and execute resolution plans including loan modifications, forbearances, restructurings, the pursuit of various remedies. Monitor ongoing borrower compliance, property performance, and loan covenant adherence. Commercial Loan Documentation Review, interpret, and negotiate commercial loan documents, including notes, mortgages, guarantees, intercreditor agreements, and forbearance or modification agreements. Partner with internal and external counsel to ensure documentation accuracy and adherence to internal credit and regulatory standards. Identify legal and structural issues that could impact collateral recovery or enforceability. Underwriting & Financial Analysis Conduct comprehensive underwriting of rent-regulated multifamily properties, including evaluation of rent rolls, regulatory compliance, operating statements, capital needs, and market dynamics. Perform financial modeling, collateral valuations, and risk assessments to support loan resolution recommendations. Prepare and present detailed credit memoranda and action plans to management and credit committees. Negotiation & Relationship Management Lead negotiations with institutional borrowers, sponsors, investors, and legal representatives to achieve balanced, risk-mitigated outcomes. Maintain initiative-taking and professional communication with borrowers and internal stakeholders throughout the workout process. Foreclosure & REO Oversight Oversee and manage judicial foreclosure processes, coordinating with counsel to ensure compliance with state laws and procedural requirements. Manage Real Estate Owned (REO) assets post-foreclosure, including stabilization, valuation, and disposition. Collaborate with internal Real Estate and Asset Management teams to optimize recovery and minimize holding costs. Compliance, Policy, and Regulatory Adherence Ensure all actions comply with internal policies, risk management frameworks, and regulatory requirements. Maintain thorough loan files, workout documentation, and regulatory reporting consistent with audit and examination standards. Demonstrate a strong understanding of credit policy and ensure all recommendations and actions are appropriately supported and documented. Core Competencies Credit & Risk Acumen - Evaluates credit scenarios with sound judgment and risk awareness. Regulatory & Policy Adherence - Demonstrates thorough understanding of banking regulations and internal governance standards. Negotiation & Influence - Effectively negotiates with institutional counterparties to achieve optimal outcomes. Execution & Accountability - Drives timely and accurate resolution of distressed assets within established frameworks. Collaboration - Works effectively across Credit, Legal, Compliance, and Real Estate teams to support portfolio performance. 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 Education: bachelor's degree in finance, Real Estate, Accounting, or related field required; MBA or relevant graduate degree preferred. Experience: Minimum 9+ years of experience in commercial real estate workouts, special assets, or credit risk management within a regulated financial institution. Proven experience reviewing and negotiating commercial loan documentation and complex legal structures. Background in underwriting and managing rent-regulated multifamily properties in New York City. Demonstrated ability to negotiate with institutional clients and structure loan modifications or settlements. Direct experience with judicial foreclosures, receiverships, and REO management. Skills & Competencies: Understanding of NYC rent regulation and multifamily market dynamics. Strong analytical, financial modeling, and valuation skills. Excellent written and verbal communication, negotiation, and presentation skills. Ability to interpret and apply internal policies, regulatory standards, and legal documentation. Proficiency with Microsoft Excel, Word, PowerPoint, and loan servicing or risk management systems. 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. Experience in Microsoft Office products. Pays: $165k with $30k targeted annual bonus 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: $90,000.00 USD Maximum: $165,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide () 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. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. 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 to discuss your needs. Primary Location: Denver, CO, Denver Other Locations: Colorado-Denver,Ohio-Columbus,North Carolina-Raleigh,Maryland-Annapolis,Virginia-Richmond,New Hampshire-Concord,South Carolina-Columbia,Vermont-Montpelier,New Jersey-Trenton,West Virginia-Charleston,New York-Albany,Georgia-Atlanta,Connecticut-Hartford,Massachusetts-Boston,Illinois-Springfield,Florida-Tallahassee,Delaware-Dover,Maine-Augusta,Pennsylvania-Harrisburg,Tennessee-Nashville,Rhode Island-Providence,District of Columbia-Washington Organization: Santander Holdings USA, Inc.

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