Austin, Texas, United States · Remote OK
$77k–$135k/yr
Workout Officer - Remote 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 o…
Skills: Commercial loan documentation, Credit risk analysis, Underwriting, Financial modeling, Negotiation
Austin, Texas, United States · On-site
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Skills: Customer service, Relationship management, Sales, Financial goal identification, Cash handling
Austin, Texas, United States · On-site
Who We Are Arrive Logistics is a leading transportation and technology company in North America with plans to grow significantly year over year. Our success is a testament to our remarkable team and what we’re building t…
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Austin, Texas, United States · Hybrid
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Austin, Texas, United States · Remote OK
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Austin, Texas, United States · On-site
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Austin, Texas, United States · Hybrid
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Austin, Texas, United States · Hybrid
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Austin, Texas, United States · On-site
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Skills: Accounting, Bookkeeping, Payroll Processing, Financial Reporting, Revenue Reconciliation
Austin, Texas, United States · Hybrid
$68k–$72k/yr
Description The Staff Accountant is a key member of the Finance team responsible for supporting the organization's accounting operations through general ledger maintenance, financial analysis, account reconciliations, pa…
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Austin, Texas, United States · On-site
Normal 0 false false false false EN-US X-NONE X-NONE JOB TITLE: Relationship Banker I DEPARTMENT: Branch Banking SUPERVISOR: Retail Branch Manager FLSA STATUS: Non-Exempt JOB PURPOSE Serves as a customer ambassador for t…
Skills: Customer service, Cash handling, Banking regulations, Communication skills, Conflict resolution
Austin, Texas, United States · On-site
Description Circuit of The Americas (COTA) is a 365-entertainment destination for world-class events located in Austin, TX. The sports and entertainment portfolio at COTA is unmatched in the country with Formula 1 US Gra…
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Austin, Texas, United States · On-site
LV Collective, a fast-growing, vertically integrated real estate firm, is seeking a Summer 2027 Real Estate Investments Intern to join its collaborative team in Austin, Texas. In this role, you will support the evaluatio…
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Austin, Texas, United States · On-site
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New York, New York, United States · Hybrid
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Austin, Texas, United States · On-site
Job Summary As a Personal Banker at UFCU, you serve as a trusted ambassador of the organization’s core values. You deliver exceptional Member service by accurately processing transactions, answering questions, and …
Skills: Customer service, Consultative sales, Financial transactions, Account management, Credit report analysis
Austin, Texas, United States · On-site
Your future role at a glance Location: Austin, TX Facility: Dell Children's Medical Center Department: Finance Ministry-wide Function Schedule: Full time | Monday-Friday #InternalOps How you'll make an impact in this rol…
Skills: Financial planning, Budgeting, Forecasting, Financial analysis, Capital planning
Austin, Texas, United States · Remote Solely
$120k–$140k/yr
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Skills: Sales, Account Management, Pipeline Management, Strategic Guidance, Stakeholder Engagement
Austin, Texas, United States · On-site
$100k–$135k/yr
About The Ride Platform The Ride Platform, Inc. is the parent company of Outdoorsy, Ride, Wheelbase, and Roamly. We are named for the single transaction where an operator meets a renter. We build end-to-end for the Opera…
Skills: Product marketing, AI tools, Positioning, Messaging, Go-to-market strategy
Austin, Texas, United States · Hybrid
Incline Insurance Group is seeking an experienced, business-minded attorney to join our legal team as a Legal Counsel. This high-impact role provides legal counsel across Incline’s property and casualty insurance operati…
Skills: Reinsurance agreements, MGA contracts, Insurance regulatory matters, Commercial transactions, Contract negotiation
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The Workout Officer manages a portfolio of distressed and criticized commercial real estate loans, focusing on rent-regulated multifamily properties. They are responsible for analyzing collateral, negotiating workout plans, and ensuring all activities comply with internal policies and regulatory standards.
Candidates must have at least 5 years of experience in commercial real estate workouts, special assets, or credit risk management. A bachelor's degree in Finance, Real Estate, or Accounting is required, along with strong skills in loan documentation and financial analysis.
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 Associate Workout Officer is responsible for managing a portfolio of low- to mid-complexity non-performing commercial real estate loans, primarily secured by rent-regulated multifamily properties in New York City. The role requires demonstrated knowledge in commercial loan documentation, underwriting, and credit risk analysis, as well as the ability to negotiate and structure solutions with clients.
The successful candidate will leverage strong analytical, negotiation, and relationship management skills to protect the bank’s interests while seeking pragmatic, regulatory-compliant outcomes.
Manage a portfolio of distressed and criticized multi-family loans.
Analyze collateral, borrower financials, guarantor strength, and market dynamics to recommend resolution strategies.
Implement and monitor approved workout plans, including modifications, forbearance agreements, and foreclosure proceedings.
Review, interpret, and negotiate commercial loan documents, including notes, mortgages, guarantees, intercreditor agreements, and loan modifications.
Coordinate with internal and external legal counsel to ensure accuracy and compliance with Santander’s standards and regulatory requirements.
Evaluate rent-regulated property performance, including rent rolls, operating expenses, reserve accounts, and capital needs.
Prepare and present credit memoranda and risk assessments for management review.
Lead discussions with borrowers, including institutional sponsors, investors, and legal representatives to achieve mutually acceptable outcomes.
Maintain effective communication with internal stakeholders, including Credit, Legal, Appraisal, and Compliance teams.
Ensure all activities adhere to internal policies, regulatory standards, and applicable laws, including those governing rent-regulated properties.
Maintain accurate loan files and produce periodic portfolio and risk management reports.
Education:
Bachelor’s degree in Finance, Real Estate, Accounting, or a related field required; MBA or advanced degree preferred.
5+ years of experience in commercial real estate workouts, special assets, or credit risk management, ideally within a regulated financial institution.
Proven ability to review and negotiate commercial loan documentation.
Demonstrated experience underwriting rent-regulated multifamily properties in the NYC market.
Strong background in credit analysis, collateral valuation, and borrower negotiations.
Advanced financial modeling and credit risk assessment capabilities.
Working knowledge of rent regulation laws and NYC multifamily market dynamics.
Excellent negotiation, communication, and interpersonal skills.
Proficiency in Microsoft Excel, Word, and loan servicing or risk management systems.
Analytical Thinking & Judgment – Applies critical thinking to evaluate credit situations and make sound recommendations.
Relationship Management – Builds productive relationships with borrowers, institutional investors, and internal partners.
Execution & Results Orientation – Drives timely and effective resolution of distressed assets.
Risk Awareness – Understands and mitigates potential risks in line with regulatory and policy frameworks.
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.
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.
Minimum:
$76,875.00 USDMaximum:
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)
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.
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.
Banco Santander (SAN SM) is a leading commercial bank, founded in 1857 and headquartered in Spain and one of the largest banks in the world by market capitalization. The group’s activities are consolidated into five global businesses: Retail & Commercial Banking, Openbank, Corporate & Investment Banking (CIB), Wealth Management & Insurance and Payments. This operating model allows the bank to better leverage its unique combination of global scale and local leadership. Santander aims to be the best open financial services platform providing services to individuals, SMEs, corporates, financial institutions and governments. The bank’s purpose is to help people and businesses prosper in a simple, personal and fair way. In the first quarter of 2026, Banco Santander had €1.4 trillion in total funds, more than 176 million customers, 6,600 branches and 185,000 employees.
Offices: Avenida de Cantabria S/N, Boadilla del Monte, Madrid 28660, ES · São Paulo, São Paulo, São Paulo 04543-011, BR · London, London, NW1 3AN, GB
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