Santander
Financial Services
CommercialBankingCommunityDevelopmentFinanceRelationshipManager
“Commercial Banking Community Development Finance Relationship Manager at Santander. Skills: Community Development Finance, LIHTC, CRA, Sales, Relationship Management. Sales, service and retention of complex community development investment customers for the Company's Community Reinvestment Act (CRA) Program. Develop new business and manage portfolios and credit quality for an assigned portfolio of commercial customers”
What You'll Achieve.
Maximize profitability while minimizing risk; Ensure performance against CRA goals; Accomplish CRA objectives; Pass periodic compliance tests to enable ongoing operations, acquisitions and other activities to continue
Industry & Context.
Ability to analyze and summarize large amounts of data, identify community needs through data Analysis, and develop written documents outlining actionable strategies to address community needs
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.
What They're Looking For.
Must Have
9+ years of direct CDF and LIHTC experience, In-depth knowledge of CRA and Fair Lending regulations required, including HMDA and ECOA, Excellent, sales, persuasion and negotiation skills required to represent the Company's interests and come to effective solutions in sometimes adversarial situations, Ability to influence others at an operational level regarding new concepts, practices and approaches, Demonstrated ability to manage public/private partnerships including excellent project management skills, and the ability to build relationships across public, private and not-for-profit sectors, Demonstrated knowledge of Community Reinvestment Act compliance and best practices, Extensive knowledge of community development best practices in affordable housing, economic development, and/or neighborhood revitalization, Ability to communicate the Bank’s CRA strategies, goals, current needs and risk/reward appetite for community development loans and investments to market leadership and business unit managers, Full understanding of the markets demographic, geographic, economic and political context as well as challenges the market faces under the CRA, Thorough knowledge of the CRA in order to advise the market on issues, Ability to analyze and summarize large amounts of data, identify community needs through data Analysis, and develop written documents outlining actionable strategies to address community needs, Ability to understand the environment to facilitate identification and tracking of “missed” opportunities as well as potential new opportunities for community engagement and development, Ability to represent the Bank in public and community forums, verbal and written communication skills and ability to communicate complex financial situations and ideas in a simple way, Ability to understand the market’s community development needs, changes thereto and the lending, investment and service opportunities for low-to-moderate income individuals and areas, and if the Bank offers the products and services to meet them
Nice to Have
Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education, Experience in Microsoft Office products
What You'll Do.
service and retention of complex community development investment customers for the Company's Community Reinvestment Act (CRA) Program
Develop new business and manage portfolios and credit quality for an assigned portfolio of commercial customers
Develop and manage complex accounts that meet the banks investment requirements and maximize profitability while minimizing risk
Act as a primary business relationship owner for new
complex community development investments
Lead the due diligence process on new investments including conducting due diligence and financial analysis
Represent Santander in civic and community functions to further enhance the organization’s brand and develop expanded business
Advise local management on strategies and action plans to fulfill their goal under CRA
Drive development and execution of CRA Strategy to ensure performance against CRA goals
Develop tactics within their market along with local market management to accomplish CRA objectives
Manage regulatory reviews to ensure that Company CRA activities are sufficient to pass periodic compliance tests
Develop and maintain solid relationships with community based organizations
State agencies and advocacy groups
recommend and refer complex community development loans and investments to the business lines
Prepare and communicate periodic self-assessments of the Company’s CRA performance
Ensure work is in compliance with applicable laws
regulations and guidelines
Lead reporting on the pipeline for potential community development investments
and internal and external auditors to ensure investments are originated and managed within policy and applicable laws and regulations
Monitor credit quality within assigned portfolios
in partnership with portfolio management
and take action as appropriate
structure and document new investments
Perform site visits to investment opportunities
Subject Matter Expert for qualifying loans
investments and services for CRA credit
How You'll Work.
Team & Collaboration
working in collaboration with credit professionals; working with credit, compliance, and internal and external auditors
Communication Scope
verbal and written communication skills; ability to communicate complex financial situations and ideas in a simple way
Process & Methodology
project management skills
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