Commercial & Wholesale Construction Operations Analyst
- Santander UK
- reading, england, United Kingdom
- Nov 29, 2024
Job Description
The primary function of the Commercial & Wholesale Construction Operations Analyst is loan booking, funding, payments and maintenance for the defined lines of business, or executing related controls, utilizing the systems and processes defined by management. The incumbent handles analytical components (i.e. interpreting credit agreements) related to various loan/fee accruals, calculations as well as ongoing/ad-hoc reconciliation and remediation, for commercial credit products, which include new loans, modifications and extensions.
Aims to deliver superior service to clients by driving and optimizing the effectiveness and efficiency of people, processes and technology thereby enhancing financial performance, increasing investment capacity, and managing risk.
Essential Functions/Responsibilities:
Processes all commercial construction loan draw requests received from Commercial Real Estate customers and Business Lines.
Ensures proper documentation and approvals are received to fund construction draws.
Performs all financial transactions in the servicing system associated with construction portfolio.
Provides customer and business line support for all inquiries related to construction loan advance requests and loan servicing.
Performs quality review of all new and modified construction loans, ensuring proper set-up on Servicing platform.
Ensures system is calculating and billing interest and fees correctly.
Creates and analyzes balancing and exception reports, resolving open items according to established service level agreements.
Ensures proper documentation is filed appropriately and is available for internal and external audits.
Identifies and resolves problems within established guidelines.
Qualifications:
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education:
Bachelor's Degree or equivalent business experience.
Work Experience:
Working knowledge of operations line of business, 1-5 years.
Skills and Abilities:
Requires excellent communication, good organizational skills, and attention to details.
Solid knowledge/skills of Microsoft Office Suite and various bank systems.
Ability to adapt quickly and be a team player.
Working knowledge in Commercial Banking.
Ability to meet deadlines.
Strong knowledge of the Syndicated and Commercial Loan products and markets.
Demonstrated knowledge of other banking products and the ability to apply that information to this role.
Expert knowledge of overall lending policies and procedures, credit analysis, underwriting, structuring, etc.
Excellent organizational, management, communication and customer service skills.
Solid judgment within broadly defined policies and practices.
Diversity & EEO Statements:
At Santander, we value and respect differences in our workforce and strive to increase the diversity of our teams. 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. Occasional moving and lifting equipment and furniture is required to support onsite and offsite meeting setup and teardown. Physically capable of lifting up to fifty pounds, able to bend, kneel, climb ladders.
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 at any time for any reason.
Position is hybrid out of our RI, Boston or NJ offices.
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:
Maximum:
Our purpose at Santander UK is to help people and businesses prosper. We are a leading financial services provider, offering a wide range of personal and commercial financial products and services, with around 15 million customers across our Retail and Corporate Businesses.
We have set ourselves an ambitious target - to become one of the best banks in the UK to work for. We’re transforming our business, creating a Simple, Personal and Fair culture in a dynamic and creative environment. We are committed to making a difference.
Our customers come from a wide range of backgrounds, and so do our people. We aim to reflect and celebrate diversity in our workplace in order to create an inclusive culture that adds real value to our business.
We care about you
In Santander, this means creating a workplace that respects your individuality and supports you to enjoy life outside work, from volunteering in the community to more family time.
We care about you and enhancing society and protecting the environment through products and services that enable people and communities to prosper. In short, it means supporting your ambitions and interests at every level.
Emerging Talent
It’s not your background or degree that matters to us. It’s not who you know or how you can blend in. We’re interested in your unique perspective, capacity to be yourself, and drive to take on challenges that will help you discover your career path.
Our programmes have been designed to bring out the best in you, providing you with the training and opportunities to set your potential free.
Our culture
The Santander Way expresses the culture we foster to ensure we deliver on our values ‘Simple, Personal and Fair’. At its core are five simple behaviours (TEAMS) which will fuel our growth, provide a shared focus and help us move faster.
When you become part of Santander you’re joining an incredible community of people with a shared respect, who put our customers at the heart of everything they do. Our behaviours guide us on our transformation journey as we innovate to help people and businesses prosper, both in the UK and globally.
Think Customer
Embrace Change
Act Now
Move Together
Speak UP
These are the foundations of how we all work and connect with each other day-to-day, and something you’ll learn even more about when you join us..
WHAT WE DO FOR OUR PEOPLE
Inclusion and diversity
We believe in equality of opportunity in all areas of employment and business, where selection and promotion is based on the relevant aptitudes and abilities to do the job. Learn more here
Santander UK is a member of a number of diversity partnership programmes including:
• Employers' Forum on Age
• Employers' Forum on Disability
• Opportunity Now
• Race for Opportunity
• Stonewall Diversity Champions Programme
Family Friendly Policies
If you’re thinking about joining us you may be interested in understanding how we support our employees who have family or caring responsibilities. Download our friendly policies here: do-careers-uk-Santander_Family_Friendly_Policies_Apr_2023.pdf
Gender Pay Gap Reporting
We are committed to creating a culture that values and champions diversity, and creates equality of opportunity for all. This is a commitment that starts at the very top of our organisation and flows throughout it.
The gender pay gap takes into account all roles at all levels of the organisation, rather than comparing pay received by women and men performing the same roles. We regularly review and analyse our employee pay to ensure men and women are treated equally when performing the same role. We are, therefore, confident that we do not have an equal pay issue at Santander UK.
Working with our unions
We have a long history of trade union recognition governed by:
a partnership agreement with Advance - the independent trade union recognised in the former Abbey and Bradford & Bingley parts of the business
recognition agreements with the Communication Workers Union - recognised in the former Alliance & Leicester parts of the business
Both unions are affiliated to the Trade Union Congress.
Health and safety
Helping to look after our employees' health has mutual benefits to the individual employee and to the business.
All managers and employees have access to guidelines, standards and procedures they need to manage safety effectively through our Health and Safety Management System.
We promote physical and mental wellbeing through:
• a quarterly health and lifestyle newsletter
• an Employee Assistance Programme that offers a free, confidential, 24/7 helpline
• face-to-face counselling
We help millions of people prosper and realise their dreams
• 196 thousand employees in the Group
• 40 training hours per employee throughout the year
• 102 million euros for our employees development
• 140 thousand volunteering hours
• 46 million euros for social programmes and projects
• Culture
• Our culture — The Santander Way — is aligned with our corporate strategy. It encompasses our purpose, our aim and our ways of working. It is the cornerstone of our bank – a responsible bank.
• Simple, Personal and Fair is how we work and that is the behaviour expected of our corporate culture.
• Simple - We offer customers an accessible service with simple products that are easy to understand. We use simple language and improve our processes every day.
• Personal - We provide our customers with a personalised service, offering them the products and services best suited to their needs. We want each and every one of our employees and customers to feel valued and treated as an individual.
• Fair - We treat our employees and customers fairly and equally; we are transparent, and we keep our promises. We create good relationships with different stakeholders because we understand that what is good for them is also good for Santander.