Overview
Analyst Real Estate Structured Finance Team for Europe – Santander
Context
Santander Corporate & Investment Banking (Santander CIB) is Santander's global division that supports some of the world's most complex and sophisticated corporate and institutional clients, offering customized services and value-added wholesale products to best meet their needs.
Role and Location
SCIB is looking for an Analyst in the Real Estate Structured Finance Team for Europe based out of Madrid Office.
Responsibilities
Underwrite and structure commercial real estate financing transactions: perform cash flow modelling, property and borrower analysis.
Assist in preparing credit / loan applications, credit memos, term sheets and investment memoranda for review by senior management or credit committees.
Perform due diligence: coordinate third party reports (appraisals, environmental, technical), review legal / tax / regulatory / compliance issues.
Help in deal execution: manage closing process, liaise with legal, brokers, borrowers, external advisors.
Support origination: participate in sourcing new opportunities, preparing pitches / presentations, market research and competitor / sector analysis.
Coordinate with internal teams (risk, legal, compliance, middle and back office) and external shareholders (valuers, insurers, rating agencies) to ensure smooth transaction flow.
Preparing financial analysis of scenarios, sensitivity tables, stress tests, valuation.
Help during deal syndication / capital markets / structuring for debt distribution if relevant.
What You’ll Bring
3+ years of experience in commercial real estate finance, structured finance, investment banking or a related credit or capital markets role (Required).
Bachelor’s degree required, preferably in Finance, Accounting, Economics or Engineering (Required).
English and Spanish (Required).
Strong financial modelling / quantitative skills; proficiency in Excel, cash flow / valuation modelling, scenarios / sensitivity analysis (Required).
Good written and verbal communication; ability to prepare clear presentations, credit memos, pitchbooks (Required).
Solid understanding the structures of real estate financing: loan facilities, mezzanine, preferred equity, securitization / CMBS / backleverage, debt covenants (Required).
Attention to detail, ability to work under tight deadlines, multitasking, prioritization (Required).
Teamwork skills: collaborating with senior colleagues, legal / credit / compliance etc. (Required).
Commercial awareness: understanding of market conditions, real estate asset types, regulatory/tax/real estate law issues (Required).
We Value Your Impact
We enable our teams to go beyond through global opportunities and broad career paths.
Flexibility that works. Hybrid working models—some days remote, some days onsite with your team—along with flexible hours.
Learning for life. Access hundreds of courses on our platforms, including exclusive access to Santander Open Academy.
Competitive rewards. Highly competitive salary with performance-based bonuses.
Financial advantages. Preferential banking terms, special interest rates on loans, life insurance, and more.
Your health is our priority. BeHealthy global wellness programme for holistic wellbeing.
Childcare support and family-friendly programmes tailored to life stages.
Access to Santander Contigo for employees and families offering legal, emotional, and administrative advisory services.
Additional benefits. Gym/WellHub membership, medical centers, meal subsidy, parking, shuttle service from Madrid, exclusive employee discounts.
What To Do Next
If this sounds like a role you are interested in, then please apply.
Seniority level
Mid-Senior level
Employment type
Full-time
Job function
Finance and Product Management
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Local Compliance: Santander is proud of being an organization with equal opportunities regardless of age, gender, disability, civil status, race, religion or sexual orientation. We are committed to providing an inclusive and accessible application process for all candidates.
Ready to take the next step in your journey? Apply now.
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