Supply Chain & Working Capital Solutions – Associate (Structuring & Origination)

Supply Chain & Working Capital Solutions – Associate (Structuring & Origination)

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:

The Corporate & Investment Banking Associate - Supply Chain & Working Capital Solutions will support the structuring and origination of Supply Chain Finance (SCF) transactions, acting as a key contributor in delivering working capital solutions for corporate clients across US and cross-border flows. This role combines analytical structuring responsibilities with active participation in business development efforts.

• Support the structuring and execution of Supply Chain Finance solutions
• Contribute to origination efforts by identifying opportunities within existing client portfolios and supporting senior team members in new business development initiatives
• Partner with Relationship Managers and senior product specialists to develop client strategies and tailored working capital solutions
• Assist in preparing client presentations, pitch materials, and proposals with a focus on SCF structuring and value proposition
• Participate in client discussions as a product specialist, supporting advisory efforts on working capital optimization and supply chain strategies
• Support end-to-end deal execution, including financial analysis, pricing, internal approvals, and coordination with key stakeholders
• Assist in structuring bespoke solutions to meet client-specific needs across domestic and cross-border supply chains
• Coordinate with internal stakeholders (Legal, Risk, Compliance, Operations, Technology) to facilitate smooth transaction execution and onboarding
• Support portfolio management activities, including monitoring program performance, utilization, and profitability
• Build and maintain internal relationships across support functions critical to successful deal execution
• Collaborate closely with internal stakeholders to align on pipeline development, client engagement, and growth strategy

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.

• 2+ years of relevant experience in Supply Chain Finance, Trade Finance, Working Capital Solutions, or Structured Finance
• Bachelor’s Degree or equivalent in Business, Finance, or related field
• Foundational experience in financial analysis, credit evaluation, and working capital assessment
• Basic understanding of SCF structures and documentation (e.g., receivables purchase agreements, payables finance frameworks)
• Familiarity with accounting considerations (IFRS and US GAAP) related to receivables sales and payables finance is a plus
• Strong analytical and problem-solving skills, with attention to detail
• Ability to support business development efforts and contribute to client-facing materials
• Effective communication and presentation skills
• Ability to work collaboratively across teams and build internal and external relationships
• Proficiency in Microsoft Office (Excel, PowerPoint, Word)
• Self-starter with a proactive mindset and willingness to learn in a fast-paced environment
• Understanding of SCF technology platforms and digital solutions is a plus
• High ethical standards and professionalism

Desirable, but not required:

• Exposure to broader Trade Finance products (Documentary Trade, ECA, Structured Trade, Commodity Finance)
• Familiarity with ERP systems (SAP, Oracle) and SCF platform integration
• Additional languages (particularly Spanish)
• Experience working with SCF fintech platforms or digital solutions
• Exposure to syndication or distribution of trade finance assets

Certifications:

• No Certifications listed for this job.

It Would Be Nice For You To Have:

• Established work history or equivalent demonstrated through a combination of work experience, training, military