CIB - Whole Loan Transaction Manager – Analyst Country: United States of America It Starts With You: 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: Whole Loan Transaction Management, Due Diligence, and Asset Management in CIB involves managing the process of buying /selling whole loans, ensuring compliance, and verifying loan data accuracy, and managing third parties. This role requires strong organizational skills, attention to detail, and the ability to work with various stakeholders.  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, or education Qualifications: Whole Loans Due Diligence – track, report, analyze and cure loan due diligence findings based on compliance, credit, title, valuation, servicing data, and collateral Coordinate and prepare diligence findings, reporting, material preparation, and curative actions for third party RMBS securitization underwritings between counterparties, legal counsel, vendors, rating agencies, servicers, and custodians Identify and target high-risk issues to make suitable recommendations to trading desk for re-pricing / drop adjustments for whole loan acquisitions and sales and for third parties via advisory agreements Work with relevant teams to review and negotiate all deal documentation and create subsequent exhibits, prepare funding schedules, and review and interpret diligence findings in coordination with the trading desk and external counsel for pricing and settlement of whole loan acquisition and sale transactions Organize and monitor due diligence activities, servicing transfers, loan document transfers, and operations between internal groups, vendors, servicers, and custodians while communicating progress and collaborating with counterparties from bid through settlement Vendor Management – work with the internal legal, procurement and information security teams to onboard new vendors and to monitor vendor performance. Ensure good communication with traders, risk, legal, and outside clients to control the risks associated with the funding process. Manage competing priorities effectively in a fast-paced environment. Demonstrate strong leadership and project management skills in coordinating transaction and due diligence activities. Meet deadlines and deliver high-quality work with strong self-motivation and attention to detail. 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 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: $110,000.00 USD Maximum: $135,000.00 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 [email protected] to discuss your needs. The Santander Way Santander is evolving from a global, high-impact brand into a technology-driven organization, and our people are at the heart of this journey. 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. Our mission is to contribute to help more people and businesses prosper. We embrace a strong risk culture and all our professionals at all levels are expected to take a proactive and responsible approach toward risk management. Ready to make it happen? It starts with you. It starts here.

CIB - Whole Loan Transaction Manager – Analyst.

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