Senior Officer jobs at International Finance Bank

Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! Senior Workout Officer - Must have Commercial Real Estate Workout experience. Essential Duties & Responsibilities Portfolio Management * Manage a portfolio of mid- to high-complexity distressed commercial real estate loans, focusing on rent-regulated multifamily assets in NYC. * Evaluate collateral performance, borrower financials, and guarantor support to identify risks and recommend appropriate workout strategies. * Develop and execute resolution plans including loan modifications, forbearances, restructurings, the pursuit of various remedies. * Monitor ongoing borrower compliance, property performance, and loan covenant adherence. Commercial Loan Documentation * Review, interpret, and negotiate commercial loan documents, including notes, mortgages, guarantees, intercreditor agreements, and forbearance or modification agreements. * Partner with internal and external counsel to ensure documentation accuracy and adherence to internal credit and regulatory standards. * Identify legal and structural issues that could impact collateral recovery or enforceability. Underwriting & Financial Analysis * Conduct comprehensive underwriting of rent-regulated multifamily properties, including evaluation of rent rolls, regulatory compliance, operating statements, capital needs, and market dynamics. * Perform financial modeling, collateral valuations, and risk assessments to support loan resolution recommendations. * Prepare and present detailed credit memoranda and action plans to management and credit committees. Negotiation & Relationship Management * Lead negotiations with institutional borrowers, sponsors, investors, and legal representatives to achieve balanced, risk-mitigated outcomes. * Maintain initiative-taking and professional communication with borrowers and internal stakeholders throughout the workout process. Foreclosure & REO Oversight * Oversee and manage judicial foreclosure processes, coordinating with counsel to ensure compliance with state laws and procedural requirements. * Manage Real Estate Owned (REO) assets post-foreclosure, including stabilization, valuation, and disposition. * Collaborate with internal Real Estate and Asset Management teams to optimize recovery and minimize holding costs. Compliance, Policy, and Regulatory Adherence * Ensure all actions comply with internal policies, risk management frameworks, and regulatory requirements. * Maintain thorough loan files, workout documentation, and regulatory reporting consistent with audit and examination standards. * Demonstrate a strong understanding of credit policy and ensure all recommendations and actions are appropriately supported and documented. Core Competencies * Credit & Risk Acumen - Evaluates credit scenarios with sound judgment and risk awareness. * Regulatory & Policy Adherence - Demonstrates thorough understanding of banking regulations and internal governance standards. * Negotiation & Influence - Effectively negotiates with institutional counterparties to achieve optimal outcomes. * Execution & Accountability - Drives timely and accurate resolution of distressed assets within established frameworks. * Collaboration - Works effectively across Credit, Legal, Compliance, and Real Estate teams to support portfolio performance. 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. Qualifications * Education: bachelor's degree in finance, Real Estate, Accounting, or related field required; MBA or relevant graduate degree preferred. * Experience: * Minimum 9+ years of experience in commercial real estate workouts, special assets, or credit risk management within a regulated financial institution. * Proven experience reviewing and negotiating commercial loan documentation and complex legal structures. * Background in underwriting and managing rent-regulated multifamily properties in New York City. * Demonstrated ability to negotiate with institutional clients and structure loan modifications or settlements. * Direct experience with judicial foreclosures, receiverships, and REO management. * Skills & Competencies: * Understanding of NYC rent regulation and multifamily market dynamics. * Strong analytical, financial modeling, and valuation skills. * Excellent written and verbal communication, negotiation, and presentation skills. * Ability to interpret and apply internal policies, regulatory standards, and legal documentation. * Proficiency with Microsoft Excel, Word, PowerPoint, and loan servicing or risk management systems. 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. * Experience in Microsoft Office products. Pays: $165k with $30k targeted annual bonus 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: $90,000.00 USD Maximum: $165,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 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 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 . The employer has the right to revise this 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 ****************** to discuss your needs.

WHAT IS THE OPPORTUNITY? Internal Controls Officer is responsible for providing independent and objective oversight of the management of risks arising from City National Bank's business processes, people, systems or external events. The team is responsible for providing governance and oversight to enhance the control environment to ensure successful remediation of operational risk exposures. This includes providing practical guidance, functional expertise, strategic direction, and execution rigor to significant operational risk remediation activities. The Senior Officer is responsible for challenging the quality, sufficiency, and completeness of 1LOD risk remediation and control management activities for moderate to high-risk initiatives in compliance with the Issue Management Policy and Standard and the Internal Controls Management Policy (ICMP) and Standard and for communication outcomes of objective assessment through escalation and reporting to Senior Management as necessary. WHAT WILL YOU DO? * Conduct review and challenge of remediation initiatives to ensure operational risk exposures associated with known control deficiencies are addressed. This includes providing challenge throughout the Issue Management Lifecycle, which may include issue data details; root cause analysis; action plan; material issue changes; management's completion of the required and/or committed corrective actions with supporting evidence; and sustainability. * Conduct review and challenge of controls implemented. This includes providing feedback to risk and control owners and control assessment teams related to the following control management activities: control identification to match appropriate controls with identified risk exposures to lower the residual risk level; completeness and robustness of control documentation; reasonableness of control assessment approach and sample selection; consistency of design effectiveness and operating effectiveness conclusions with supporting evidence; and appropriateness of documented issues and action plans to remediate identified control failure. * Ensures work is produced and documented in alignment with quality and content requirements. * Provides clear and transparent updates on remediation progress * Exercises independent judgment in identifying and assessing risk. * Prepares, reviews, and presents review and challenge results to Leadership, including outlining the risk of control deficiencies * Ensures observations and findings are documented and escalated to appropriate leadership. * Exercises effective communication and promotes positive client relations with business line colleagues and management * Maintains authoritative knowledge and understanding of laws and regulations, regulatory guidance, policy, and procedures for operational functions covered. * Provides 2LOD audit and regulatory exam support. * Executes additional departmental initiatives and other duties as assigned. WHAT DO YOU NEED TO SUCCEED? *Required Qualifications** * Bachelor's Degree or equivalent * Minimum 7 years of experience in financial services industry, with at least five years in an operational risk management, internal audit, or compliance role * Minimum 3 years of control assessment and validation experience * Minimum 1 year of supervisory experience *Additional Qualifications* * Bachelor's degree or higher and other professional qualifications such as a CPA, CA, etc. * Strong business knowledge of financial services * Understanding of Risk Management/Operational Risk Management and Internal Controls testing methodology * Strong knowledge of issue management practices with proven experience in issue management design and/or execution * Ability to handle complexity and ambiguity * Proven track record building strong relationships across multiple business functions * Ability to deal effectively with conflict * Well-developed influencing, analytical and problem solving skills * Must be able to convey complex concepts in a clear and concise manner * Ability to work independently with effective time and project management * Ability to work in a matrix environment * Strong interpersonal/teamwork skills * Strong communication (verbal and written), negotiation, and presentation skills required *WHAT'S IN IT FOR YOU?* *Compensation*Starting base salary: $77,000 - $143,000 per year. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions. *Benefits and Perks* At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including: * Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date * Generous 401(k) company matching contribution * Career Development through Tuition Reimbursement and other internal upskilling and training resources * Valued Time Away benefits including vacation, sick and volunteer time * Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs * Career Mobility support from a dedicated recruitment team * Colleague Resource Groups to support networking and community engagement Get a more detailed look at our ********************************* ABOUT US Since day one we've always gone further than the competition to help our clients, colleagues and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at ********************************** *INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT* City National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law. It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability. *Represents basic qualifications for the position. To be considered for this position, you must at least meet the required qualifications. careers.cnb.com accepts applications on an ongoing basis, until filled. Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.

Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! Senior Workout Officer - Must have Commercial Real Estate Workout experience. Essential Duties & Responsibilities Portfolio Management * Manage a portfolio of mid- to high-complexity distressed commercial real estate loans, focusing on rent-regulated multifamily assets in NYC. * Evaluate collateral performance, borrower financials, and guarantor support to identify risks and recommend appropriate workout strategies. * Develop and execute resolution plans including loan modifications, forbearances, restructurings, the pursuit of various remedies. * Monitor ongoing borrower compliance, property performance, and loan covenant adherence. Commercial Loan Documentation * Review, interpret, and negotiate commercial loan documents, including notes, mortgages, guarantees, intercreditor agreements, and forbearance or modification agreements. * Partner with internal and external counsel to ensure documentation accuracy and adherence to internal credit and regulatory standards. * Identify legal and structural issues that could impact collateral recovery or enforceability. Underwriting & Financial Analysis * Conduct comprehensive underwriting of rent-regulated multifamily properties, including evaluation of rent rolls, regulatory compliance, operating statements, capital needs, and market dynamics. * Perform financial modeling, collateral valuations, and risk assessments to support loan resolution recommendations. * Prepare and present detailed credit memoranda and action plans to management and credit committees. Negotiation & Relationship Management * Lead negotiations with institutional borrowers, sponsors, investors, and legal representatives to achieve balanced, risk-mitigated outcomes. * Maintain initiative-taking and professional communication with borrowers and internal stakeholders throughout the workout process. Foreclosure & REO Oversight * Oversee and manage judicial foreclosure processes, coordinating with counsel to ensure compliance with state laws and procedural requirements. * Manage Real Estate Owned (REO) assets post-foreclosure, including stabilization, valuation, and disposition. * Collaborate with internal Real Estate and Asset Management teams to optimize recovery and minimize holding costs. Compliance, Policy, and Regulatory Adherence * Ensure all actions comply with internal policies, risk management frameworks, and regulatory requirements. * Maintain thorough loan files, workout documentation, and regulatory reporting consistent with audit and examination standards. * Demonstrate a strong understanding of credit policy and ensure all recommendations and actions are appropriately supported and documented. Core Competencies * Credit & Risk Acumen - Evaluates credit scenarios with sound judgment and risk awareness. * Regulatory & Policy Adherence - Demonstrates thorough understanding of banking regulations and internal governance standards. * Negotiation & Influence - Effectively negotiates with institutional counterparties to achieve optimal outcomes. * Execution & Accountability - Drives timely and accurate resolution of distressed assets within established frameworks. * Collaboration - Works effectively across Credit, Legal, Compliance, and Real Estate teams to support portfolio performance. 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. Qualifications * Education: bachelor's degree in finance, Real Estate, Accounting, or related field required; MBA or relevant graduate degree preferred. * Experience: * Minimum 9+ years of experience in commercial real estate workouts, special assets, or credit risk management within a regulated financial institution. * Proven experience reviewing and negotiating commercial loan documentation and complex legal structures. * Background in underwriting and managing rent-regulated multifamily properties in New York City. * Demonstrated ability to negotiate with institutional clients and structure loan modifications or settlements. * Direct experience with judicial foreclosures, receiverships, and REO management. * Skills & Competencies: * Understanding of NYC rent regulation and multifamily market dynamics. * Strong analytical, financial modeling, and valuation skills. * Excellent written and verbal communication, negotiation, and presentation skills. * Ability to interpret and apply internal policies, regulatory standards, and legal documentation. * Proficiency with Microsoft Excel, Word, PowerPoint, and loan servicing or risk management systems. 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. * Experience in Microsoft Office products. Pays: $165k with $30k targeted annual bonus 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: $90,000.00 USD Maximum: $165,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 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 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 . The employer has the right to revise this 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 ****************** to discuss your needs.

WHAT IS THE OPPORTUNITY? Internal Controls Officer is responsible for providing independent and objective oversight of the management of risks arising from City National Bank's business processes, people, systems or external events. The team is responsible for providing governance and oversight to enhance the control environment to ensure successful remediation of operational risk exposures. This includes providing practical guidance, functional expertise, strategic direction, and execution rigor to significant operational risk remediation activities. The Senior Officer is responsible for challenging the quality, sufficiency, and completeness of 1LOD risk remediation and control management activities for moderate to high-risk initiatives in compliance with the Issue Management Policy and Standard and the Internal Controls Management Policy (ICMP) and Standard and for communication outcomes of objective assessment through escalation and reporting to Senior Management as necessary. WHAT WILL YOU DO? * Conduct review and challenge of remediation initiatives to ensure operational risk exposures associated with known control deficiencies are addressed. This includes providing challenge throughout the Issue Management Lifecycle, which may include issue data details; root cause analysis; action plan; material issue changes; management's completion of the required and/or committed corrective actions with supporting evidence; and sustainability. * Conduct review and challenge of controls implemented. This includes providing feedback to risk and control owners and control assessment teams related to the following control management activities: control identification to match appropriate controls with identified risk exposures to lower the residual risk level; completeness and robustness of control documentation; reasonableness of control assessment approach and sample selection; consistency of design effectiveness and operating effectiveness conclusions with supporting evidence; and appropriateness of documented issues and action plans to remediate identified control failure. * Ensures work is produced and documented in alignment with quality and content requirements. * Provides clear and transparent updates on remediation progress * Exercises independent judgment in identifying and assessing risk. * Prepares, reviews, and presents review and challenge results to Leadership, including outlining the risk of control deficiencies * Ensures observations and findings are documented and escalated to appropriate leadership. * Exercises effective communication and promotes positive client relations with business line colleagues and management * Maintains authoritative knowledge and understanding of laws and regulations, regulatory guidance, policy, and procedures for operational functions covered. * Provides 2LOD audit and regulatory exam support. * Executes additional departmental initiatives and other duties as assigned. WHAT DO YOU NEED TO SUCCEED? *Required Qualifications** * Bachelor's Degree or equivalent * Minimum 7 years of experience in financial services industry, with at least five years in an operational risk management, internal audit, or compliance role * Minimum 3 years of control assessment and validation experience * Minimum 1 year of supervisory experience *Additional Qualifications* * Bachelor's degree or higher and other professional qualifications such as a CPA, CA, etc. * Strong business knowledge of financial services * Understanding of Risk Management/Operational Risk Management and Internal Controls testing methodology * Strong knowledge of issue management practices with proven experience in issue management design and/or execution * Ability to handle complexity and ambiguity * Proven track record building strong relationships across multiple business functions * Ability to deal effectively with conflict * Well-developed influencing, analytical and problem solving skills * Must be able to convey complex concepts in a clear and concise manner * Ability to work independently with effective time and project management * Ability to work in a matrix environment * Strong interpersonal/teamwork skills * Strong communication (verbal and written), negotiation, and presentation skills required *WHAT'S IN IT FOR YOU?* *Compensation*Starting base salary: $77,000 - $143,000 per year. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions. *Benefits and Perks* At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including: * Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date * Generous 401(k) company matching contribution * Career Development through Tuition Reimbursement and other internal upskilling and training resources * Valued Time Away benefits including vacation, sick and volunteer time * Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs * Career Mobility support from a dedicated recruitment team * Colleague Resource Groups to support networking and community engagement Get a more detailed look at our ********************************* ABOUT US Since day one we've always gone further than the competition to help our clients, colleagues and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at ********************************** *INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT* City National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law. It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability. *Represents basic qualifications for the position. To be considered for this position, you must at least meet the required qualifications. careers.cnb.com accepts applications on an ongoing basis, until filled. Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.

WHAT IS THE OPPORTUNITY? Internal Controls Officer is responsible for providing independent and objective oversight of the management of risks arising from City National Bank's business processes, people, systems or external events. The team is responsible for providing governance and oversight to enhance the control environment to ensure successful remediation of operational risk exposures. This includes providing practical guidance, functional expertise, strategic direction, and execution rigor to significant operational risk remediation activities. The Senior Officer is responsible for challenging the quality, sufficiency, and completeness of 1LOD risk remediation and control management activities for moderate to high-risk initiatives in compliance with the Issue Management Policy and Standard and the Internal Controls Management Policy (ICMP) and Standard and for communication outcomes of objective assessment through escalation and reporting to Senior Management as necessary. WHAT WILL YOU DO? * Conduct review and challenge of remediation initiatives to ensure operational risk exposures associated with known control deficiencies are addressed. This includes providing challenge throughout the Issue Management Lifecycle, which may include issue data details; root cause analysis; action plan; material issue changes; management's completion of the required and/or committed corrective actions with supporting evidence; and sustainability. * Conduct review and challenge of controls implemented. This includes providing feedback to risk and control owners and control assessment teams related to the following control management activities: control identification to match appropriate controls with identified risk exposures to lower the residual risk level; completeness and robustness of control documentation; reasonableness of control assessment approach and sample selection; consistency of design effectiveness and operating effectiveness conclusions with supporting evidence; and appropriateness of documented issues and action plans to remediate identified control failure. * Ensures work is produced and documented in alignment with quality and content requirements. * Provides clear and transparent updates on remediation progress * Exercises independent judgment in identifying and assessing risk. * Prepares, reviews, and presents review and challenge results to Leadership, including outlining the risk of control deficiencies * Ensures observations and findings are documented and escalated to appropriate leadership. * Exercises effective communication and promotes positive client relations with business line colleagues and management * Maintains authoritative knowledge and understanding of laws and regulations, regulatory guidance, policy, and procedures for operational functions covered. * Provides 2LOD audit and regulatory exam support. * Executes additional departmental initiatives and other duties as assigned. WHAT DO YOU NEED TO SUCCEED? *Required Qualifications** * Bachelor's Degree or equivalent * Minimum 7 years of experience in financial services industry, with at least five years in an operational risk management, internal audit, or compliance role * Minimum 3 years of control assessment and validation experience * Minimum 1 year of supervisory experience *Additional Qualifications* * Bachelor's degree or higher and other professional qualifications such as a CPA, CA, etc. * Strong business knowledge of financial services * Understanding of Risk Management/Operational Risk Management and Internal Controls testing methodology * Strong knowledge of issue management practices with proven experience in issue management design and/or execution * Ability to handle complexity and ambiguity * Proven track record building strong relationships across multiple business functions * Ability to deal effectively with conflict * Well-developed influencing, analytical and problem solving skills * Must be able to convey complex concepts in a clear and concise manner * Ability to work independently with effective time and project management * Ability to work in a matrix environment * Strong interpersonal/teamwork skills * Strong communication (verbal and written), negotiation, and presentation skills required *WHAT'S IN IT FOR YOU?* *Compensation*Starting base salary: $77,000 - $143,000 per year. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions. *Benefits and Perks* At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including: * Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date * Generous 401(k) company matching contribution * Career Development through Tuition Reimbursement and other internal upskilling and training resources * Valued Time Away benefits including vacation, sick and volunteer time * Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs * Career Mobility support from a dedicated recruitment team * Colleague Resource Groups to support networking and community engagement Get a more detailed look at our ********************************* ABOUT US Since day one we've always gone further than the competition to help our clients, colleagues and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at ********************************** *INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT* City National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law. It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability. *Represents basic qualifications for the position. To be considered for this position, you must at least meet the required qualifications. careers.cnb.com accepts applications on an ongoing basis, until filled. Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.

Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! Senior Workout Officer - Must have Commercial Real Estate Workout experience. Essential Duties & Responsibilities Portfolio Management * Manage a portfolio of mid- to high-complexity distressed commercial real estate loans, focusing on rent-regulated multifamily assets in NYC. * Evaluate collateral performance, borrower financials, and guarantor support to identify risks and recommend appropriate workout strategies. * Develop and execute resolution plans including loan modifications, forbearances, restructurings, the pursuit of various remedies. * Monitor ongoing borrower compliance, property performance, and loan covenant adherence. Commercial Loan Documentation * Review, interpret, and negotiate commercial loan documents, including notes, mortgages, guarantees, intercreditor agreements, and forbearance or modification agreements. * Partner with internal and external counsel to ensure documentation accuracy and adherence to internal credit and regulatory standards. * Identify legal and structural issues that could impact collateral recovery or enforceability. Underwriting & Financial Analysis * Conduct comprehensive underwriting of rent-regulated multifamily properties, including evaluation of rent rolls, regulatory compliance, operating statements, capital needs, and market dynamics. * Perform financial modeling, collateral valuations, and risk assessments to support loan resolution recommendations. * Prepare and present detailed credit memoranda and action plans to management and credit committees. Negotiation & Relationship Management * Lead negotiations with institutional borrowers, sponsors, investors, and legal representatives to achieve balanced, risk-mitigated outcomes. * Maintain initiative-taking and professional communication with borrowers and internal stakeholders throughout the workout process. Foreclosure & REO Oversight * Oversee and manage judicial foreclosure processes, coordinating with counsel to ensure compliance with state laws and procedural requirements. * Manage Real Estate Owned (REO) assets post-foreclosure, including stabilization, valuation, and disposition. * Collaborate with internal Real Estate and Asset Management teams to optimize recovery and minimize holding costs. Compliance, Policy, and Regulatory Adherence * Ensure all actions comply with internal policies, risk management frameworks, and regulatory requirements. * Maintain thorough loan files, workout documentation, and regulatory reporting consistent with audit and examination standards. * Demonstrate a strong understanding of credit policy and ensure all recommendations and actions are appropriately supported and documented. Core Competencies * Credit & Risk Acumen - Evaluates credit scenarios with sound judgment and risk awareness. * Regulatory & Policy Adherence - Demonstrates thorough understanding of banking regulations and internal governance standards. * Negotiation & Influence - Effectively negotiates with institutional counterparties to achieve optimal outcomes. * Execution & Accountability - Drives timely and accurate resolution of distressed assets within established frameworks. * Collaboration - Works effectively across Credit, Legal, Compliance, and Real Estate teams to support portfolio performance. 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. Qualifications * Education: bachelor's degree in finance, Real Estate, Accounting, or related field required; MBA or relevant graduate degree preferred. * Experience: * Minimum 9+ years of experience in commercial real estate workouts, special assets, or credit risk management within a regulated financial institution. * Proven experience reviewing and negotiating commercial loan documentation and complex legal structures. * Background in underwriting and managing rent-regulated multifamily properties in New York City. * Demonstrated ability to negotiate with institutional clients and structure loan modifications or settlements. * Direct experience with judicial foreclosures, receiverships, and REO management. * Skills & Competencies: * Understanding of NYC rent regulation and multifamily market dynamics. * Strong analytical, financial modeling, and valuation skills. * Excellent written and verbal communication, negotiation, and presentation skills. * Ability to interpret and apply internal policies, regulatory standards, and legal documentation. * Proficiency with Microsoft Excel, Word, PowerPoint, and loan servicing or risk management systems. 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. * Experience in Microsoft Office products. Pays: $165k with $30k targeted annual bonus 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: $90,000.00 USD Maximum: $165,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 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 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 . The employer has the right to revise this 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 ****************** to discuss your needs.

Senior Workout Officer - RemoteCountry: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! Senior Workout Officer - Must have Commercial Real Estate Workout experience. Essential Duties & Responsibilities Portfolio Management Manage a portfolio of mid- to high-complexity distressed commercial real estate loans, focusing on rent-regulated multifamily assets in NYC. Evaluate collateral performance, borrower financials, and guarantor support to identify risks and recommend appropriate workout strategies. Develop and execute resolution plans including loan modifications, forbearances, restructurings, the pursuit of various remedies. Monitor ongoing borrower compliance, property performance, and loan covenant adherence. Commercial Loan Documentation Review, interpret, and negotiate commercial loan documents, including notes, mortgages, guarantees, intercreditor agreements, and forbearance or modification agreements. Partner with internal and external counsel to ensure documentation accuracy and adherence to internal credit and regulatory standards. Identify legal and structural issues that could impact collateral recovery or enforceability. Underwriting & Financial Analysis Conduct comprehensive underwriting of rent-regulated multifamily properties, including evaluation of rent rolls, regulatory compliance, operating statements, capital needs, and market dynamics. Perform financial modeling, collateral valuations, and risk assessments to support loan resolution recommendations. Prepare and present detailed credit memoranda and action plans to management and credit committees. Negotiation & Relationship Management Lead negotiations with institutional borrowers, sponsors, investors, and legal representatives to achieve balanced, risk-mitigated outcomes. Maintain initiative-taking and professional communication with borrowers and internal stakeholders throughout the workout process. Foreclosure & REO Oversight Oversee and manage judicial foreclosure processes, coordinating with counsel to ensure compliance with state laws and procedural requirements. Manage Real Estate Owned (REO) assets post-foreclosure, including stabilization, valuation, and disposition. Collaborate with internal Real Estate and Asset Management teams to optimize recovery and minimize holding costs. Compliance, Policy, and Regulatory Adherence Ensure all actions comply with internal policies, risk management frameworks, and regulatory requirements. Maintain thorough loan files, workout documentation, and regulatory reporting consistent with audit and examination standards. Demonstrate a strong understanding of credit policy and ensure all recommendations and actions are appropriately supported and documented. Core Competencies Credit & Risk Acumen - Evaluates credit scenarios with sound judgment and risk awareness. Regulatory & Policy Adherence - Demonstrates thorough understanding of banking regulations and internal governance standards. Negotiation & Influence - Effectively negotiates with institutional counterparties to achieve optimal outcomes. Execution & Accountability - Drives timely and accurate resolution of distressed assets within established frameworks. Collaboration - Works effectively across Credit, Legal, Compliance, and Real Estate teams to support portfolio performance. 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. Qualifications Education: bachelor's degree in finance, Real Estate, Accounting, or related field required; MBA or relevant graduate degree preferred. Experience: Minimum 9+ years of experience in commercial real estate workouts, special assets, or credit risk management within a regulated financial institution. Proven experience reviewing and negotiating commercial loan documentation and complex legal structures. Background in underwriting and managing rent-regulated multifamily properties in New York City. Demonstrated ability to negotiate with institutional clients and structure loan modifications or settlements. Direct experience with judicial foreclosures, receiverships, and REO management. Skills & Competencies: Understanding of NYC rent regulation and multifamily market dynamics. Strong analytical, financial modeling, and valuation skills. Excellent written and verbal communication, negotiation, and presentation skills. Ability to interpret and apply internal policies, regulatory standards, and legal documentation. Proficiency with Microsoft Excel, Word, PowerPoint, and loan servicing or risk management systems. 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. Experience in Microsoft Office products. Pays: $165k with $30k targeted annual bonus 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: $90,000.00 USD Maximum: $165,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 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 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 . The employer has the right to revise this 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 ****************** to discuss your needs.

Country: United States of America **Your Journey Starts Here:** Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities **We Want to Talk to You!** **Senior Workout Officer -** Must have Commercial Real Estate Workout experience. **Essential Duties & Responsibilities** **Portfolio Management** + Manage a portfolio of **mid- to high-complexity distressed commercial real estate loans** , focusing on rent-regulated multifamily assets in NYC. + Evaluate collateral performance, borrower financials, and guarantor support to identify risks and recommend appropriate workout strategies. + Develop and execute resolution plans including **loan modifications, forbearances, restructurings, the pursuit of various remedies.** + Monitor ongoing borrower compliance, property performance, and loan covenant adherence. **Commercial Loan Documentation** + Review, interpret, and negotiate **commercial loan documents** , including notes, mortgages, guarantees, intercreditor agreements, and forbearance or modification agreements. + Partner with internal and external counsel to ensure documentation accuracy and adherence to internal credit and regulatory standards. + Identify legal and structural issues that could impact collateral recovery or enforceability. **Underwriting & Financial Analysis** + Conduct comprehensive **underwriting of rent-regulated multifamily properties** , including evaluation of rent rolls, regulatory compliance, operating statements, capital needs, and market dynamics. + Perform financial modeling, collateral valuations, and risk assessments to support loan resolution recommendations. + Prepare and present detailed credit memoranda and action plans to management and credit committees. **Negotiation & Relationship Management** + Lead negotiations with **institutional borrowers, sponsors, investors, and legal representatives** to achieve balanced, risk-mitigated outcomes. + Maintain initiative-taking and professional communication with borrowers and internal stakeholders throughout the workout process. **Foreclosure & REO Oversight** + Oversee and manage **judicial foreclosure processes** , coordinating with counsel to ensure compliance with state laws and procedural requirements. + Manage **Real Estate Owned (REO)** assets post-foreclosure, including stabilization, valuation, and disposition. + Collaborate with internal Real Estate and Asset Management teams to optimize recovery and minimize holding costs. **Compliance, Policy, and Regulatory Adherence** + Ensure all actions comply with **internal policies, risk management frameworks, and regulatory requirements** . + Maintain thorough loan files, workout documentation, and regulatory reporting consistent with audit and examination standards. + Demonstrate a strong understanding of credit policy and ensure all recommendations and actions are appropriately supported and documented. **Core Competencies** + **Credit & Risk Acumen** - Evaluates credit scenarios with sound judgment and risk awareness. + **Regulatory & Policy Adherence** - Demonstrates thorough understanding of banking regulations and internal governance standards. + **Negotiation & Influence** - Effectively negotiates with institutional counterparties to achieve optimal outcomes. + **Execution & Accountability** - Drives timely and accurate resolution of distressed assets within established frameworks. + **Collaboration** - Works effectively across Credit, Legal, Compliance, and Real Estate teams to support portfolio performance. **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. **Qualifications** + **Education:** bachelor's degree in finance, Real Estate, Accounting, or related field required; MBA or relevant graduate degree preferred. + **Experience:** + Minimum **9+ years** of experience in **commercial real estate workouts, special assets, or credit risk management** within a **regulated financial institution** . + Proven experience **reviewing and negotiating commercial loan documentation** and complex legal structures. + Background in **underwriting and managing rent-regulated multifamily properties** in New York City. + Demonstrated ability to **negotiate with institutional clients** and structure loan modifications or settlements. + Direct experience with **judicial foreclosures, receiverships, and REO management** . + **Skills & Competencies:** + Understanding of NYC rent regulation and multifamily market dynamics. + Strong analytical, financial modeling, and valuation skills. + Excellent written and verbal communication, negotiation, and presentation skills. + Ability to interpret and apply internal policies, regulatory standards, and legal documentation. + Proficiency with Microsoft Excel, Word, PowerPoint, and loan servicing or risk management systems. **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. + Experience in Microsoft Office products. **Pays:** $165k with $30k targeted annual bonus **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: $90,000.00 USD Maximum: $165,000.00 USD **Link to Santander Benefits:** **Santander Benefits - 2025 Santander OnGoing/NH eGuide (foleon.com) (************************************* DvZMQUmQ9qBf0gNi6cS-sCOOUmrXQKufnl-c92ox6n4.htm)** **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 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 . The employer has the right to revise this 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 ****************** to discuss your needs. **Primary Location:** Denver, CO, Denver **Other Locations:** Colorado-Denver,Ohio-Columbus,North Carolina-Raleigh,Maryland-Annapolis,Virginia-Richmond,New Hampshire-Concord,South Carolina-Columbia,Vermont-Montpelier,New Jersey-Trenton,West Virginia-Charleston,New York-Albany,Georgia-Atlanta,Connecticut-Hartford,Massachusetts-Boston,Illinois-Springfield,Florida-Tallahassee,Delaware-Dover,Maine-Augusta,Pennsylvania-Harrisburg,Tennessee-Nashville,Rhode Island-Providence,District of Columbia-Washington **Organization:** Santander Holdings USA, Inc. AN EQUAL OPPORTUNITY EMPLOYER M/F/Vet/Disabled/SO

JobID: 210677888 JobSchedule: Full time JobShift: Day Base Pay/Salary: Irvine,CA $88,350.00-$139,000.00; Chicago,IL $88,350.00-$139,000.00 Bring your expertise to JPMorganChase. As part of Risk Management and Compliance, you are at the center of keeping JPMorganChase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class. As an Environmental Credit Risk Associate on the Commercial and Investment Bank Credit Risk Management Team, you will be responsible for reviewing and analyzing environmental reports for real estate lending transactions. You will utilize your quantitative and qualitative skills to analyze environmental credit risk for various lines of business. Our team is responsible for evaluating environmental risk through traditional lending activity. Job Responsibilities * Review environmental records/reports related to commercial real estate secured loan transactions. Prepare review memoranda. Procure environmental reports from qualified consultants when required in connection with guidelines and procedures. * Conduct collateral-asset analysis on real estate lending, management, and acquisition/ disposition processes. Serve as a link between Bank personnel and the information provided in environmental reports. Provide timely review, analyses, and recommendations. * For commercial real estate loans in default, obtain and review Phase I ESA's as well as other investigations or surveys from approved environmental firms. * Coordinate and monitor and/or manage requests for proposals, project scope definition, job award, and work-product review of environmental consultants. * Perform independent research of available resources to supplement environmental information in connection with real estate collateral. * Assist management with the development of standardized documentation in connection with environmental inspection checklists, questionnaires, and requests for service. * Perform special projects as assigned including analysis of environmental exposures in connection with bank acquisitions and audit responses. * Assist in qualifying environmental firms to perform work for the Bank. * Perform environmental reviews involving complex environmental reports and property situations, such as contaminated properties undergoing or in need of remediation. * Critically review scopes of work for Phase II subsurface investigations and remedial action plans. Required qualifications, capabilities, and skills * Concise oral and written communication skills; frequent interaction with internal managers, bankers, customers, external vendors, and other external representatives; networking with industry peers; make speeches or presentations; produce and distribute non-routine written materials with technical content, such as correspondence/memoranda, reports and information summaries. * Bachelor's degree or equivalent education in environmental sciences or related fields, and may hold other professional designations or certifications as appropriate depending on the nature of assignments (ie. Registered Environmental Assessor, Certified Asbestos Consultant, etc.). * At least seven years of experience administering environmental investigations, risk management and loss prevention programs with an environmental consultant, lender or property management firm protecting that organization's or clients' commercial real estate activities and assets.

JobID: 210677883 JobSchedule: Full time JobShift: Base Pay/Salary: Chicago,IL $88,350.00-$139,000.00; Irvine,CA $88,350.00-$139,000.00 Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business responsibly by anticipating new and emerging risks, and using your expert judgment to solve real-world challenges that impact our company, customers, and communities. As an Environmental Credit Risk Associate in the Commercial and Investment Bank Credit Risk Management Team, you review and analyze environmental reports for real estate lending transactions. You use your quantitative and qualitative skills to assess environmental credit risk across multiple lines of business. You help us evaluate and manage environmental risk through traditional lending activities, ensuring our decisions support the firm's commitment to responsible growth. You work closely with internal and external partners to deliver timely, accurate risk assessments. Job Responsibilities * Review environmental records and reports for commercial real estate secured loan transactions and prepare review memoranda * Procure environmental reports from qualified consultants in accordance with guidelines and procedures * Conduct collateral-asset analysis for real estate lending, management, and acquisition or disposition processes * Serve as a link between Bank personnel and information provided in environmental reports * Provide timely reviews, analyses, and recommendations on environmental risk * Obtain and review Phase I Environmental Site Assessments and other investigations for loans in default * Coordinate and manage requests for proposals, project scope definition, job award, and work-product review of environmental consultants * Perform independent research to supplement environmental information for real estate collateral * Assist management in developing standardized documentation for inspections, checklists, and service requests * Perform special projects, including analysis of environmental exposures for bank acquisitions and audit responses * Critically review scopes of work for Phase II subsurface investigations and remedial action plans Required qualifications, capabilities, and skills * Bachelor's degree or equivalent education in environmental sciences or related field * Seven years of experience administering environmental investigations, risk management, and loss prevention programs with an environmental consultant, lender, or property management firm * Strong oral and written communication skills for frequent interaction with internal managers, bankers, customers, and external vendors * Ability to produce and distribute technical written materials, such as reports, memoranda, and information summaries * Experience qualifying environmental firms to perform work for a financial institution * Networking skills with industry peers and ability to make presentations * Ability to perform environmental reviews involving complex reports and property situations Preferred qualifications, capabilities, and skills * Professional designations or certifications such as Registered Environmental Assessor or Certified Asbestos Consultant * Experience with contaminated properties undergoing or in need of remediation * Familiarity with developing standardized documentation for environmental inspections * Experience supporting bank acquisitions and audit responses related to environmental exposures * Ability to critically review and assess scopes of work for environmental investigations * Project management skills in coordinating environmental consultant activities * Advanced research skills to supplement environmental information for real estate collateral

JobID: 210677389 JobSchedule: Full time JobShift: Base Pay/Salary: Irvine,CA $88,350.00-$139,000.00; Chicago,IL $88,350.00-$139,000.00 Bring your expertise to JPMorganChase. As part of Risk Management and Compliance, you are at the center of keeping JPMorganChase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class. As an Environmental Credit Risk Associate on the Commercial and Investment Bank Credit Risk Management Team, you will be responsible for reviewing and analyzing environmental reports for real estate lending transactions. You will utilize your quantitative and qualitative skills to analyze environmental credit risk for various lines of business. Our team is responsible for evaluating environmental risk through traditional lending activity. Job Responsibilities * Review environmental records/reports related to commercial real estate secured loan transactions. Prepare review memoranda. Procure environmental reports from qualified consultants when required in connection with guidelines and procedures. * Conduct collateral-asset analysis on real estate lending, management, and acquisition/ disposition processes. Serve as a link between Bank personnel and the information provided in environmental reports. Provide timely review, analyses, and recommendations. * For commercial real estate loans in default, obtain and review Phase I ESA's as well as other investigations or surveys from approved environmental firms. * Coordinate and monitor and/or manage requests for proposals, project scope definition, job award, and work-product review of environmental consultants. * Perform independent research of available resources to supplement environmental information in connection with real estate collateral. * Assist management with the development of standardized documentation in connection with environmental inspection checklists, questionnaires, and requests for service. * Perform special projects as assigned including analysis of environmental exposures in connection with bank acquisitions and audit responses. * Assist in qualifying environmental firms to perform work for the Bank. * Perform environmental reviews involving complex environmental reports and property situations, such as contaminated properties undergoing or in need of remediation. * Critically review scopes of work for Phase II subsurface investigations and remedial action plans. Required qualifications, capabilities, and skills * Concise oral and written communication skills; frequent interaction with internal managers, bankers, customers, external vendors, and other external representatives; networking with industry peers; make speeches or presentations; produce and distribute non-routine written materials with technical content, such as correspondence/memoranda, reports and information summaries. * Bachelor's degree or equivalent education in environmental sciences or related fields, and may hold other professional designations or certifications as appropriate depending on the nature of assignments (ie. Registered Environmental Assessor, Certified Asbestos Consultant, etc.). * At least seven years of experience administering environmental investigations, risk management and loss prevention programs with an environmental consultant, lender or property management firm protecting that organization's or clients' commercial real estate activities and assets.

WHAT IS THE OPPORTUNITY? Assists the Client Manager in supervising and participates in the operations, client service, and internal sales activities of the branch. Monitors and maintains operations procedures for compliance to regulations; plans and administers colleague schedules and internal workflow. They may assist the Client Manager in interviewing perspective new colleagues and providing development training for the internal sales/service team. This person will support internal sales activities including providing product and cross-sell opportunity identification training to their staff, recognizing referral/sales opportunities from the team, and making appropriate product/service recommendations to clients they interact with. WHAT WILL YOU DO? * Functions as part of a cohesive unit to service client transactions and is responsible for upholding the operational integrity of the branch as defined by management and bank policy. This colleague understands and is able to execute all functions of the daily processes, including, but not limited to, appropriate cash handling responsibilities. In addition, supports, develops, motivates, and coaches banking office sales/service colleagues. Is one of the experts in risk management and loss prevention. Partners with the CM in completing, monitoring and auditing branch certifications and operational reviews. Utilizes an organized approach to manage and prioritize daily activities to meet all deadlines. * Acts as a champion for clients and colleagues providing exemplary service. Partners with CNB colleagues in all divisions of the bank to support client retention objectives and proactively promotes solutions appropriate to clients. * Promotes and facilitates cross-selling of bank services to existing and potential clients in order to meet established branch sales and referral goals. Works with business partners to deliver solutions in order to maintain and grow client relationships. Recognizes and recommends cross-selling opportunities to maximize banking office profitability. * Supports and partners with the CM to proactively develop colleagues to achieve results and accurately assess strengths. Provides feedback, mentoring, and opportunities for development to help colleagues achieve their full potential. Provides instructions and information to colleagues on regulatory procedures, bank policies, legal requirements and other banking standards. * Fully functional in delivering all components related to new accounts, including account maintenance, service requests, and risk management. Responsible for appropriately profiling clients during the new account process and actively identifies cross sell opportunities of CNB products and services. WHAT DO YOU NEED TO SUCCEED? *Required Qualifications** * Minimum 3 years of direct sales experience required. * Minimum 3 years experience in a banking environment required. * Minimum 2 years of supervisory experience in branch operations required *Additional Qualifications* * Strong knowledge of Bank policies and procedures and regulatory compliance. * Good knowledge of Bank products and services. * Working knowledge of Bank audit procedures. * Strong interpersonal, verbal and written communication skills. * Ability to organize and prioritize work. * Strong problem solving skills. * Strong computer skills. *WHAT'S IN IT FOR YOU?* *Compensation*Starting base salary: $24.46 - $36.69 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions. *Benefits and Perks* At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including: * Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date * Generous 401(k) company matching contribution * Career Development through Tuition Reimbursement and other internal upskilling and training resources * Valued Time Away benefits including vacation, sick and volunteer time * Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs * Career Mobility support from a dedicated recruitment team * Colleague Resource Groups to support networking and community engagement Get a more detailed look at our ********************************* ABOUT US Since day one we've always gone further than the competition to help our clients, colleagues and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at ********************************** *INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT* City National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law. It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability. *Represents basic qualifications for the position. To be considered for this position, you must at least meet the required qualifications. careers.cnb.com accepts applications on an ongoing basis, until filled. Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.

This is a remote role that may be hired in several markets across the United States. This role is responsible for overseeing Financial & Regulatory Reporting as an Enterprise Control Function, reporting directly to the Director of Operational Risk Oversight. The Second Line Operational Risk Oversight team covers critical non-revenue generating corporate functions and is structured by risk category. Each horizontal category (i.e., Fraud, Payments, Human Capital Management, Process Delivery & Execution, and Financial & Regulatory Reporting) is covered by a seasoned and senior individual contributor. Responsibilities * Develop & Execute Coverage Model - Continuously enhances coverage of First Line activities, including programmatic effective challenge (via Enterprise Issues Management, Operational Risk Events, Enterprise Change Oversight, Risk and Control Self Assessments, etc.) and targeted review of in-scope processes * Measure Control Effectiveness & Risk Appetite - Develop clear and quantifiable drivers to monitor and measure the effectiveness of the control environment within Financial & Regulatory Reporting, as well as partner with the First Line on a basket of Key Risk Indicators to support the overall assessment of the risk stripe * Own a Delegated Compliance Oversight Function - Partner with Corporate Compliance via Compliance Risk Oversight Coverage Agreements to provide oversight of laws, rules, and regulations applicable to the Controller and External Reporting (e.g., Accounting Standards, SOX requirements, SEC rules, etc.) * Build Productive Relationships - Partner with the Business Risk & Control advisory and program teams in the First Line to oversee the risk-taking activities in a productive and positive way * Be a Team Player - Support the Director of Operational Risk Oversight by executing on the work, providing thoughtful and grounded input to committee reporting and ad hoc requests, and leveraging First Citizens India support to increase output and maintain efficiencies Qualifications * Bachelor's Degree and 6 years of experience in Enterprise Risk or Operational Risk, and Project Management or Internal/External Consulting OR High School Diploma or GED and 10 years of experience in Enterprise Risk or Operational Risk, and Project Management or Internal/External Consulting Preferred Qualifications * Direct experience in oversight of risks related to external reporting for LFIs/G-SIBs * Management Consulting experience * Demonstrated ability to work independently and build productive relationships with key stakeholders across the firm * Expertise in applicable laws, rules, and regulations This job posting is expected to remain active for 5 days from the initial posting date listed above. If it is necessary to extend this deadline, the posting will remain active as appropriate. Job postings may come down early due to business need or a high volume of applicants. The base pay for this position is generally between $145,000 and $165,000. Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law. For some roles, total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment. First Citizens benefits programs are designed to meet our associates where they are in life. Full-time associates (20+ hours) are offered a comprehensive benefits program, with customized offerings, including those designed to support families, however defined. More information regarding our benefits offerings can be found here: ***************************************

This is a remote role that may be hired in several markets across the United States. The Senior Risk Officer - New Product and Change Risk helps the bank understand and manage risk across new products, services, and major business changes. The role partners closely with business leaders and second-line teams to evaluate how new initiatives may affect the bank's risk profile. This position guides stakeholders through a structured risk assessment process, identifies issues early, and ensures decisions are informed by a clear view of operational, compliance financial, and other risk categories. The role also supports the continuous improvement of the enterprise change and product risk framework, monitoring and reporting program metrics, maintaining influential relationships with senior management across the Three Lines, and providing support as needed for management and various committees. Responsibilities * Enterprise & Operational Risk Management - Build strong, collaborative relationships with business stakeholders to position the risk team as proactive and trusted partners. Partner with business owners to complete New Product and Change Risk Assessments for new products, services, and changes to existing offerings. Evaluate the impact of proposed initiatives and provide practical recommendations to strengthen controls. Facilitate cross-functional discussions to identify risks, clarify ownership, and ensure alignment across the various Risk Categories. Use Archer to manage workflows, document assessments, maintain supporting evidence, track issues, and support reporting needs. Track items and remediation plans to ensure follow-through and timely resolutions. Review business requirements, process flows, control documentation, and testing results to confirm risks and controls are accurately understood. Prepares written reports for management review and approval. Communicates risk vision and regulatory requirements to stakeholders. * Team Leadership - Assists in the training and development process for team associates. Provides guidance on governance practices by establishing work performance standards, on-the-job training, and other educational efforts. Periodically update policies, standards, procedures, and guidance related to enterprise change management, product risk, and the risk assessment methodology. Develop and maintain data used for metrics, dashboard, and executive reporting; monitor trends, identifying outliers, and escalate concerns when necessary. Identify ways to streamline and enhance processes, templates, reporting, and tools; contribute to strategic improvements across the enterprise change and product risk program. * Risk Education - Partners with business units to ensure implementation of and compliance with program policies and standards. Develop and deliver training and communications plans to support program awareness, understanding of requirements, and consistent execution across stakeholders. Promotes risk awareness with stakeholders across the Bank through risk presentations, workshops, and roadshow materials. * Committees and Projects - Assist in execution of program-owned RCSA activities, control testing plans, risk and controls assessments, issues management, and the program's bi-annual quality assurance control to confirm consistency, adherence to standards, and effectiveness of the oversight approach. Provides support for, or participates as a risk advisor, in preparing and delivering risk summaries and recommendations for risk committees, governance forums, and senior leadership. Apply expertise in Large Financial Institution (LFI) expectations to strengthen oversight, documentation, and governance practices. * Business Support - Work with Internal Audit, independent testing teams, and examination teams to gather and validate required information, resolve questions, and support preparation for leadership review. Manages preparation of assigned internal and external activities and participates in related meetings where necessary. Qualifications * Bachelor's Degree and 6 years of experience in Enterprise Risk or Operational Risk, and Project Management or Internal/External Consulting OR High School Diploma or GED and 10 years of experience in Enterprise Risk or Operational Risk, and Project Management or Internal/External Consulting Preferred Qualifications * Experience in risk management, compliance, or audit within banking or financial services. * Strong understanding of LFI standards, regulatory expectations, product development processes, and operational risk frameworks. * Hands on experience with Archer or similar GRC platforms. * Strong analytical and communication skills, with the ability to translate complex information into clear, actional guidance. * Skilled at facilitation, negotiation, and influencing across levels and functions. * Ability to manage multiple priorities in a fast-moving environment and thin strategically about process and program enhancements. This job posting is expected to remain active for 5 days from the initial posting date listed above. If it is necessary to extend this deadline, the posting will remain active as appropriate. Job postings may come down early due to business need or a high volume of applicants. The base pay for this position is generally between $145,000 and $165,000. Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law. For some roles, total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment. First Citizens benefits programs are designed to meet our associates where they are in life. Full-time associates (20+ hours) are offered a comprehensive benefits program, with customized offerings, including those designed to support families, however defined. More information regarding our benefits offerings can be found here: ***************************************

This is a remote role that may be hired in several markets across the United States. We are seeking an experienced third-party risk professional to report to the Director of Third-Party Risk Oversight (TPRO). This role is critical in implementing and advancing oversight of a robust Third-Party risk framework, ensuring alignment with regulatory requirements and corporate objectives. The ideal candidate will have a strong background in Third Party risk, Third Party resiliency, operational risk management, and data-driven reporting. This position requires strong initiative, strategic thinking, and collaboration skills to support risk management efforts across the company. This role has key responsibilities for implementing organizational change through the development and execution of the Enterprise Risk Management and Operational Risk Management frameworks. * Develops and prepares Third Party reporting, metrics, and data to enhance the identification and management of risk. * Executes monitoring activities and recommends enhancement of frameworks through innovative tools or processes. * Provide effective challenge of Operational Risk Events, Loss Monitoring, and Risk Acceptances. * Develops collaborative partnerships with internal departments, external auditors, regulatory agencies, and other stakeholders to enhance cross-functional risk management capabilities. * Builds influential relationships with senior management within business units and supports escalation to board committees. * Effectively support one or more of the following Third-Party Risk Oversight activities: * Oversight of Cyber Risk Events and Third-Party vulnerabilities. * Execution of Third- and Fourth-Party oversight through committees, councils and working groups. * Collaboration in the development of approaches for evolving risks such as Artificial Intelligence and Third-Party Resiliency. * Execution of reviews over New Products and Services involving Third Parties. * Facilitation of Regulatory and Internal Audit requests and exams. Responsibilities * Responsibilities: * Governance * Develop, implement, and maintain an effective Third-Party risk governance framework that aligns with regulatory and industry standards. * Assist in the monitoring and effective challenge of risk governance processes, ensuring consistent risk management practices. * Aid in routines associated with effective committee management and outcomes. * Risk Appetite and Framework * Maintain the management processes to support the ongoing reporting of and efficacy of the organization's operational risk appetite. * Ensure alignment between risk appetite and strategic goals, fostering a balanced approach to risk taking. * Collaborate with stakeholders to review and adjust risk appetite as needed, ensuring responsiveness to evolving internal and external conditions. * Risk Reporting * Design and deliver comprehensive risk reports, dashboards, and analytics for senior leadership and board-level reporting. * Enhance reporting capabilities to provide actionable insights into risk exposure, emerging risks, and key trends. * Establish and manage the processes to ensure data accuracy, consistency, and transparency in all risk-related reporting and communications. Qualifications Bachelor's Degree and 6 years of experience in Enterprise Risk or Operational Risk, and Project Management or Internal/External Consulting OR High School Diploma or GED and 10 years of experience in Enterprise Risk or Operational Risk, and Project Management or Internal/External Consulting Preferred Qualifications: * In-depth knowledge of Third-Party risk, risk appetite methodologies, and regulatory requirements. * Proven experience in risk reporting and analytics, with strong data interpretation and communication skills. * Background in Third Party resiliency or Third-Party cyber risks preferred. * Experience with building out new processes, documenting procedures and monitoring successful execution of activities. * Exceptional communication, collaboration, and strategic thinking abilities. * Strong understanding of the financial services industry, operational processes, and risk mitigation techniques. * Strategic thinking and ability to align risk practices with business objectives. * Excellent communication and presentation skills, with the ability to influence and engage peers and stakeholders. Strong analytical and critical thinking skills. This job posting is expected to remain active for 45 days from the initial posting date listed above. If it is necessary to extend this deadline, the posting will remain active as appropriate. Job postings may come down early due to business need or a high volume of applicants. The base pay for this position is generally between $110,000.00 and $160,000.00. Actual starting base pay will be determined based on skills, experience, location, and other non-discriminatory factors permitted by law. For some roles, total compensation may also include variable incentives, bonuses, benefits, and/or other awards as outlined in the offer of employment. Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at ****************************************

Responsible for ensuring completion and delivery of commercial closing capabilities for all assigned loans. Serves as the first line of defense (1LoD), adhering to necessary controls to mitigate unnecessary exposure to risk. Responsible for closing each loan in an accurate and timely manner. Works as part of the account relationship team/deal team as the primary closing point of contact for RMs, Attorneys and Clients once term sheets are issued, with the specific responsibility to arrange for each loan to be documented and closed with the correct borrowing parties and per the agreed upon collateral and deal terms approved, in an accurate and timely manner. Primary Responsibilities: Responsible for closing each loan to the correct borrowing parties and per the agreed upon collateral and deal terms approved. Primary point of contact on the deal team, for closing, once term sheets are issued, works with internal and external stakeholders to set and update closing expectations and eventually issue the ‘Clear to Close' followed by verification that remaining closing capabilities are carried out in an accurate and timely manner, culminating with a handoff to the post close review team and relationship liaison. Identifies and outlines loan closing documentation and due diligence requirements for each loan, ensuring clear communication to and from internal and external sources; plans accordingly, and works in tandem with assigned Closing Officer on the deal to meet scheduled closing date. Promptly advises stakeholders of any identified issues, delays, or changes to the anticipated closing date. Upon receipt and final acceptable review of Commercial Closing Checklist from Closing Officer verifies all required documents are complete and accurate, and necessary data to close, fund (including dual controls properly addressed) and book have been captured correctly, then provides the deal team/relationship team a ‘Clear to Close' and confirms closing plan (Date, Location, Parties Attending etc.). Acts as the closing point of contact for involved parties to resolve issues and provide understanding around loan documentation and due diligence. Works with approved Bank counsel (as appropriate), as well as other Bank partners, to finalize the documenting, funding, and booking of the loan in accordance with Bank policies and procedures. Partners with designated team and other internal and external stakeholders to address discrepancies/issues found during due diligence, loan documentation, loan closing and review processes. Escalates issues as appropriate. Then coordinates with co-workers and Team Leader to troubleshoot and resolve escalated problem situations, exception requests, and deviations from day-to-day business processes. Review loan documents after closing for complete and proper execution; once review is complete and deemed acceptable, notification to Closing Officer that closing is complete and documents are received and acceptable, providing a copy so that Closing Officer can arrange funding and booking. Completes the Post Close Review subsequent to booking, (usually within 7-10 days after closing) and when satisfactory then makes a handoff to the post close review team and relationship liaison. Communicate and collaborate effectively with other departments and business partners in the Bank to establish exemplary partnerships with all co-workers and create a positive team environment. Manages time to be able to meet deadlines while potentially working with multiple partners on multiple and/or concurrent closing requests. Attends all Deal Team meetings related to loans assigned for closing. Reports customer complaints to the Office of Customer Advocacy when appropriate. Understand and adhere to the Company's risk and regulatory standards, policies, and controls in accordance with the Company's Risk Appetite. Identify risk-related issues needing escalation to management. Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable. Promotes an environment that supports a culture of belonging and reflects the M&T Bank brand. Completes other related duties as assigned. Scope of Responsibilities: The Commercial Closing capabilities include the following five functions: 1) validation of pre-close due diligence items, 2) arranging for and reviewing commercial loan documentation, 3) confirming alignment of the credit approval, loan documents and the loan system, along with finalizing the settlement sheet, the loan closing, and review of executed documents, 4) arranging and confirming loan funding, and 5) completion and submission of required data for loan booking followed by conducting and documenting a post-closing review. Responsible for providing approval of Clear to Close to the deal team/relationship team, confirmation of closing plan (Date, Location, Parties Attending etc.), receipt, review, and verification of executed documentation from closing and then provide the documentation to the Closing Officer to proceed with funding and booking. Subsequent to the funding and booking, will receive a copy of the Post Close Review from Closing Officer to validate and then will make a handoff to the post close review team and relationship liaison. Incumbent is viewed and expected to be a technical expert on the Commercial Closing process. Supervisory/Managerial Responsibilities: Provides coaching, leadership and mentoring to colleagues. Education and Experience Required: Bachelor's degree plus a minimum of four (4) years commercial loan closing, commercial loan documentation or commercial loan operations, or commercial loan administration experience or in lieu of a degree, a combined eight (8) years' higher education and/or work experience, to include four (4) years' commercial loan closing, commercial loan documentation or commercial loan operations, or commercial loan administration experience. Previous work leadership experience. Specific knowledge of the commercial closing process and procedures, loan documentation, loan policy, applicable regulations, and affiliated technology. Familiarity with Loan Approvals and Escalation/Exception Requirements, and potentially other approvals needed for closing. Ability to work individually as well as a member of a team. Self-motivated, well-organized individual with excellent attention to detail and critical thinking skills. Strong interpersonal skills necessary for business partner relationships within and outside organization. Ability to work under time constraints and handle multiple tasks in support of various assignments. Solid verbal and written communication skills. Knowledge of unit/department policies and procedures. Education and Experience Preferred: Knowledge of applicable products, systems, and workflows. Paralegal experience helpful as well as experience in lending operations, underwriting and customer service. Physical Requirements:M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $40.15 - $66.91 Hourly (USD). The successful candidate's particular combination of knowledge, skills, and experience will inform their specific compensation.LocationBoston, Massachusetts, United States of America

Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! Senior Workout Officer - Must have Commercial Real Estate Workout experience. Essential Duties & Responsibilities Portfolio Management * Manage a portfolio of mid- to high-complexity distressed commercial real estate loans, focusing on rent-regulated multifamily assets in NYC. * Evaluate collateral performance, borrower financials, and guarantor support to identify risks and recommend appropriate workout strategies. * Develop and execute resolution plans including loan modifications, forbearances, restructurings, the pursuit of various remedies. * Monitor ongoing borrower compliance, property performance, and loan covenant adherence. Commercial Loan Documentation * Review, interpret, and negotiate commercial loan documents, including notes, mortgages, guarantees, intercreditor agreements, and forbearance or modification agreements. * Partner with internal and external counsel to ensure documentation accuracy and adherence to internal credit and regulatory standards. * Identify legal and structural issues that could impact collateral recovery or enforceability. Underwriting & Financial Analysis * Conduct comprehensive underwriting of rent-regulated multifamily properties, including evaluation of rent rolls, regulatory compliance, operating statements, capital needs, and market dynamics. * Perform financial modeling, collateral valuations, and risk assessments to support loan resolution recommendations. * Prepare and present detailed credit memoranda and action plans to management and credit committees. Negotiation & Relationship Management * Lead negotiations with institutional borrowers, sponsors, investors, and legal representatives to achieve balanced, risk-mitigated outcomes. * Maintain initiative-taking and professional communication with borrowers and internal stakeholders throughout the workout process. Foreclosure & REO Oversight * Oversee and manage judicial foreclosure processes, coordinating with counsel to ensure compliance with state laws and procedural requirements. * Manage Real Estate Owned (REO) assets post-foreclosure, including stabilization, valuation, and disposition. * Collaborate with internal Real Estate and Asset Management teams to optimize recovery and minimize holding costs. Compliance, Policy, and Regulatory Adherence * Ensure all actions comply with internal policies, risk management frameworks, and regulatory requirements. * Maintain thorough loan files, workout documentation, and regulatory reporting consistent with audit and examination standards. * Demonstrate a strong understanding of credit policy and ensure all recommendations and actions are appropriately supported and documented. Core Competencies * Credit & Risk Acumen - Evaluates credit scenarios with sound judgment and risk awareness. * Regulatory & Policy Adherence - Demonstrates thorough understanding of banking regulations and internal governance standards. * Negotiation & Influence - Effectively negotiates with institutional counterparties to achieve optimal outcomes. * Execution & Accountability - Drives timely and accurate resolution of distressed assets within established frameworks. * Collaboration - Works effectively across Credit, Legal, Compliance, and Real Estate teams to support portfolio performance. 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. Qualifications * Education: bachelor's degree in finance, Real Estate, Accounting, or related field required; MBA or relevant graduate degree preferred. * Experience: * Minimum 9+ years of experience in commercial real estate workouts, special assets, or credit risk management within a regulated financial institution. * Proven experience reviewing and negotiating commercial loan documentation and complex legal structures. * Background in underwriting and managing rent-regulated multifamily properties in New York City. * Demonstrated ability to negotiate with institutional clients and structure loan modifications or settlements. * Direct experience with judicial foreclosures, receiverships, and REO management. * Skills & Competencies: * Understanding of NYC rent regulation and multifamily market dynamics. * Strong analytical, financial modeling, and valuation skills. * Excellent written and verbal communication, negotiation, and presentation skills. * Ability to interpret and apply internal policies, regulatory standards, and legal documentation. * Proficiency with Microsoft Excel, Word, PowerPoint, and loan servicing or risk management systems. 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. * Experience in Microsoft Office products. Pays: $165k with $30k targeted annual bonus 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: $90,000.00 USD Maximum: $165,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 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 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 . The employer has the right to revise this 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 ****************** to discuss your needs.

Job Title: Trust Officer/Sr. Trust Officer Hiring Salary Range: $125,000 - $155,000 annually Fremont Bank - one of the Bay Area's most respected and long-standing financial institutions - is seeking a strategic, hands-on professional to join and help advance our Trust Services team. This is a high-impact opportunity to contribute to the success of a mission-driven organization committed to excellence, community service, and strong client relationships. If you're energized by purpose-driven work, collaboration, and delivering meaningful results, we'd love to connect. Why Fremont Bank? Founded in 1964, Fremont Bank is one of the oldest independently owned banks in the Bay Area and has been consistently recognized as a Top Workplace for the past 15 consecutive years. Our foundation is built on relationships - with our clients, our associates, and our communities. We offer: A people-first culture grounded in inclusion and excellence Deep community involvement and local reinvestment A mission-driven workplace where values and performance go hand in hand The Fremont Bank Way Full-Service Banking with comprehensive financial solutions, advanced technology, and exceptional service No-Compromise Approach - we help clients get to "yes" Core Values: o Go above and beyond for clients o Foster a supportive and empowering environment for associates o Deeply invest in the well-being of our local community Position Overview Under the supervision of the Vice President of Trust Services, the Trust Officer/Sr. Trust Officer administers personal trust accounts, agency accounts, large estate settlements and more. Accounts may contain diverse assets including real estate, closely held stock and partnerships. Role and Responsibilities Manage assigned trust relationships including all aspects of opening, administering, and closing of trust and fiduciary business. Complete all necessary regulatory reporting regarding Trust accounts including but not limited to Reg. 9 Compliance Services monitoring. Understand the nuances of the discretionary review process and participate in such evaluations. Monitor trust operations and accounting activities to ensure that all necessary reports, documents, etc. are processed to facilitate client services Maintain documentation of services, procedures, and ongoing written communications with client as appropriate in managing daily activity Ensure accurate set up and review of fees Develop a clear understanding of client needs behind service requests and communicate with service partners May directly manage and/or supervise the work of Trust Officers and/or Trust Administration Associates. Serve as a resource for other areas of the Bank with regard to Trust & Fiduciary issues as they may arise. Collaborate with private bankers, retail associates & commercial lenders to deepen existing client relationships and identify new opportunities. Contribute to the fostering of a strong team-oriented positive culture; provide expertise and skill development support to other members of the team. Identify and escalate opportunities for process improvement. Generate new business for Trust Services. Generate new trust and estate relationships, attend estate planning council meetings and various bank client events Minimum Qualifications Minimum of 7 years in trust industry BS/BA degree from accredited college or university CTFA or CFP designation preferred Broad knowledge of and experience in trust administration, investments, real estate, fiduciary tax and trust law Computer literate Demonstrates cross-selling skills Strong verbal, written and interpersonal skills Flexible to travel different branches in the bay area and work remotely What Makes Fremont Bank Associates Thrive? Team Players who go above and beyond to support their colleagues Action-Oriented professionals who challenge the status quo and seek improvement Purpose-Driven individuals who understand and champion the bank's community impact Benefits Snapshot Health & Wellness Medical, dental, and vision insurance Flexible Spending Accounts (FSA, Dependent Care, Health Savings) Financial & Retirement Employee Stock Ownership Plan (ESOP) 401(k) with employer match Performance-based bonuses or incentives Work-Life & Perks Paid holidays, vacation, sick time, and parental leave Free personal checking and savings accounts Home loan rate discounts Tuition reimbursement and professional development resources On-site gym and discounted health club memberships Employee Assistance Program (EAP) Equal Opportunity Employer Fremont Bank is proud to be an Equal Opportunity Employer. We are committed to creating an inclusive environment for all employees, regardless of race, color, religion, sex, gender identity, sexual orientation, national origin, age, disability, veteran status, or any other protected classification. Salary Range The hiring salary range for this position is $125,000 - $155,000 annually, based on factors such as experience, skills, education, and internal equity. Compensation decisions are made in consideration of these factors and in alignment with Fremont Bank's compensation philosophy. Employee Stock Ownership Plan (ESOP) The Employee Stock Ownership Plan (ESOP) is a way for Fremont Bank to contribute to the financial well-being of associates by making a contribution to their retirement account. In addition, the ESOP provides associates an opportunity to share in the growth and prosperity of Fremont Bank. Note to Search Firms: Fremont Bank does not accept unsolicited resumes from search firms or agencies without a signed service agreement. Unsolicited resumes will be considered the property of Fremont Bank, and no fees will be paid.

Make banking a Fifth Third better We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank. ABOUT THE ROLE: The Senior Estate Settlement Officer serves as a senior subject matter expert in the administration and settlement of complex decedent estates and trusts. This role requires advanced expertise in estate planning documents, probate procedures, tax implications, and fiduciary responsibilities. The Senior Officer leads estate strategy, manages high-value and sensitive relationships, and oversees complex legal and tax matters. This role also provides leadership and mentorship to Estate Settlement Officers and Associates, ensuring consistency, quality, and adherence to fiduciary standards across the team. YOUR RESPONSIBILITIES: Strategic Estate Administration & Planning: * Lead the interpretation and execution of complex estate planning documents, including multi-generational trusts, family partnerships, and charitable structures. * Oversee asset analysis and administration to ensure liquidity, tax efficiency, and proper allocation of income, expenses, and liabilities. * Guide estate planning decisions through review of tax filings, asset valuations, and legal documentation. Client Engagement & Relationship Management: * Serve as primary fiduciary contact for high-net-worth beneficiaries, family offices, attorneys, and tax professionals. * Manage sensitive family dynamics and complex relationships with discretion and empathy. * Partner with internal teams (WMAs, STAs, SIAs, UAs) to deliver coordinated and proactive client service. Legal, Tax & Compliance Oversight: * Direct probate proceedings, legal filings, and statutory deadlines for complex estates. * Oversee preparation and filing of federal and state estate tax returns; lead tax planning strategies across multiple tax years and jurisdictions. * Review and execute legal documents related to probate, litigation, and fiduciary accounting. Risk Management & Fiduciary Leadership: * Make high-level fiduciary decisions regarding distributions, reserves, and estate closure timing. * Identify and escalate complex risk, ethical, or discretionary matters; manage litigation in collaboration with counsel. * Serve as escalation point for fiduciary decisions made by Estate Officers and Associates. Operational Oversight & Team Leadership: * Lead estate tracking workflow and ensure completion of all required tasks across multiple estates. * Finalize estate settlement fees and ensure CRM reflects fee opportunities and billing accuracy. * Draft and review internal forms and correspondence; oversee document handling and execution. * Hire, manage, and evaluate external vendors; provide oversight and guidance to Estate Settlement Officers and Associates. MINIMUM REQUIREMENTS: * Bachelor's degree required; advanced degree or professional designation (e.g., JD, CPA, CTFA) preferred. * Minimum 8-10 years of experience in fiduciary administration, estate settlement, or related legal/tax advisory roles. * Proven experience managing complex estates and high-net-worth client relationships. REQUIRED SKILLS: Qualified candidates will possess an advanced degree of proficiency (typically from 7 years of work or practical experience), in: * Advanced Estate Planning Expertise: Deep knowledge of estate planning structures, probate law, and fiduciary principles to guide complex administration. * Strategic Thinking & Analysis: Ability to assess legal, financial, and tax implications across multi-faceted estate structures. * Executive Communication: Skilled in navigating sensitive conversations and delivering clear, confident guidance to clients and advisors. * Leadership & Mentorship: Experience guiding junior team members and fostering a culture of fiduciary excellence. * Technical Proficiency: Advanced use of Microsoft Office Suite and internal platforms such as CRM, ShareFile, and estate workflow tools. Please refer to the "Skills for Success" section to learn how to stand out as an applicant. SKILLS FOR SUCCESS: Qualified candidates will possess an advanced degree of proficiency across a suite of skills including, but not limited to: * Client Service Excellence: Ability to deliver high-touch service to sophisticated clients with discretion and responsiveness. * Team Leadership & Oversight: Proven ability to lead and mentor Estate Settlement Officers and Associates. * Fiduciary Judgment: Confidence in making complex fiduciary decisions and navigating risk with sound judgment. * Compliance & Risk Awareness: Deep understanding of legal and regulatory frameworks with a proactive approach to risk mitigation. * Operational Mastery: Ability to manage multiple estates, vendors, and internal systems with precision and efficiency. DOING THE RIGHT THING: Our employees take pride in doing the right thing for customers and colleagues as well as being accountable for risk by openly exchanging ideas and opinions, elevating concerns, and following policies and procedures that protect all our valuable assets -including you. Senior Estate Settlement Officer Total Base Pay Range 94,500.00 - 203,200.00 USD Annual At Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities and each other. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day. The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the U.S. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education and geographic location. In addition to the base salary, this role is eligible to participate in an incentive compensation plan, with any such payment based upon company, line of business and/or individual performance. Our extensive benefits programs are designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social well-being. You can learn more about those programs on our 53.com Careers page at: *************************************************************** or by consulting with your talent acquisition partner. LOCATION -- Cincinnati, Ohio 45242 Attention search firms and staffing agencies: do not submit unsolicited resumes for this posting. Fifth Third does not accept resumes from any agency that does not have an active agreement with Fifth Third. Any unsolicited resumes - no matter how they are submitted - will be considered the property of Fifth Third and Fifth Third will not be responsible for any associated fee. Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.