CIB Finance Analyst, ACPM
CIB Finance Analyst, ACPM Country: United States of America It Starts Here: Santander is a global leader and innovator in the financial services industry and is evolving from a high-impact brand into a technology-driven organization. Our people are at the heart of this journey and together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible.
This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference. If you are interested in exploring the possibilities We Want to Talk to You! The Difference You Make: Active Credit Portfolio Management (ACPM), sits within CIB Finance and is responsible for managing the division’s capital, balance sheet usage, and profitability through portfolio analysis, capital monitoring, and efficient allocation of financial resources.
The CIB Finance Analyst, supports analysis and execution across balance sheet management, capital planning & allocation, funding, investment portfolio management and distribution activities. The incumbent provides analytical support to help assess balance sheet efficiency, capital usage, portfolio profitability, and related risk management priorities.
The Analyst partners with senior team members and internal stakeholders on reporting, perform financial analysis, validate data, support forecasting and planning activities, and contribute to process improvements across ACPM and broader capital management processes.
Support analysis, reporting, and monitoring across ACPM activities, including capital management and allocation, balance sheet optimization, profitability management, funding, market risk, and investment portfolio management. Perform financial analysis, forecasting, variance investigations, reconciliations, and profitability assessments to support balance sheet management, capital efficiency, and revenue realization objectives.
Prepare and maintain recurring reporting and analytical materials related to balance sheet trends, revenue forecasts, capital usage, client profitability, portfolio performance, and business-line results. Support the business admissions process by coordinating with stakeholders to gather, validate, and analyze financial, risk, capital, liquidity, and strategic information for management and committee review.
Monitor client business plans, pipeline activity, balance sheet utilization, and revenue performance against forecasts; identify key drivers, trends, risks, and opportunities and communicate findings to senior team members. Validate the accuracy and integrity of financial, operational, and risk data used in reporting, forecasting, modeling, and decision-making processes, while identifying opportunities to improve data quality and reporting efficiency through automation and enhanced analytics.
Ensure compliance with established policies, procedures, risk limits, governance standards, stress testing requirements, and internal controls, including support for SOX-related controls and documentation. Partner with Finance, Treasury, Risk, relationship management, and business-line stakeholders to support Asset-Liability Management, Capital Allocation, Recovery & Resolution, portfolio management initiatives, strategic projects, and process improvement efforts
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.
- Education: Bachelor’s Degree: in related field or equivalent demonstrated through a combination of work experience, training, military service
- education - Required Qualifications: 3+ Years Financial planning, analysis or related experience - Required. 3+ Years Experience in Asset-Liability Management, Liquidity Risk Management, Cash Management, Capital Management, Capital Allocation - Preferred. 3+ Years Recovery & Resolution, Interest-Rate Risk Management, Funds Transfer Pricing - Preferred.
- Ability to work well within a team, prioritize tasks and handle numerous assignments simultaneously.
- Ability to convey a sense of urgency and drive.
- Strong verbal and written communication skills in interacting with internal stakeholders.
- Strong interpersonal, supervisory, and customer service skills required.
- Excellent analytical, organizational and project management skills.
- Detail oriented with ability to research, organize and analyze financial data.
- Strong project management skills.
- Advanced in MS Word, MIS Excel, QRM, MS Outlook.
- Certifications: CFA: ( Chartered Financial Analyst ) - Preferred.
- 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.
- Work Authorization & Sponsorship: Applicants must be legally authorized to work in the United States on a full-time basis without requiring employer sponsorship to commence employment.
- 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: $120,000.00 USD We Value Your Impact: Your contribution matters and it’s recognized.
- You can expect a fair and competitive rewards package that reflects the impact you create and the value you deliver.
- We know rewards go beyond numbers.
- Offering more than just a paycheck our benefits are designed to support you, your family and your well-being, now and into the future.
- Santander Benefits - 2026 Santander OnGoing/NH eGuide (foleon.com) 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 TAOps@santander.us to discuss your needs.