Trade Finance Sr. Analyst

Trade Finance Sr. Analyst

Country: Estados Unidos

It Starts Here:

Santander is a global leader and innovator in the financial services industry and is evolving from a high-impact brand into a technology-driven organization. Our people are at the heart of this journey and together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible. This is more than a strategic shift. It’s a chance for driven professionals to grow, learn, and make a real difference.

If you are interested in exploring the possibilities We Want to Talk to You!

The Difference You Make: The Trade Finance Sr. Analyst is responsible for the Letters of Credit. Manages documentary credit transactions for importers and exporters, ensuring accurate processing, compliance with UCP 600 and related trade finance regulations, and timely support to clients and internal stakeholders. The role requires strong attention to detail, knowledge of international trade documentation, and the ability to mitigate operational and compliance risks.

Letter of Credit Operations

• Issues, advises, confirms, amends, transfers, and cancels letters of credit.

• Reviews letter of credit applications to ensure completeness and compliance with applicable requirements.

• Processes import and export documentary credits in accordance with UCP 600, ISBP, and Bank policies.

• Examines shipping and commercial documents presented under letters of credit.

• Identifies discrepancies and communicates findings to clients and correspondent banks.

• Processes payments, acceptances, negotiations, and reimbursements related to documentary credits.

Trade Finance Administration

• Maintains accurate records of trade finance transactions.

• Monitors letter of credit expirations, maturity dates, and outstanding obligations.

• Processes documentary collections, standby letters of credit, and guarantees, as required.

• Reconciles trade finance accounts and investigates discrepancies.

Compliance & Risk Management

• Ensures adherence to international trade regulations, sanctions requirements, AML/KYC standards, and internal control procedures.

• Screens transactions for sanctions and restricted-party compliance.

• Identifies operational risks and escalates issues through appropriate channels.

• Supports internal audits, external audits, and regulatory review activities.

Customer Service

• Serves as a primary point of contact for clients regarding trade finance transactions.

• Provides guidance on documentary requirements and letter of credit terms.

• Coordinates with relationship managers, operations teams, and correspondent banks to resolve transaction-related issues.

• Responds promptly and professionally to client inquiries and transaction requests.

Process Improvement

• Participates in process improvement and operational efficiency initiatives.

• Assists in the implementation of trade finance systems, enhancements, and automation projects.

• Contributes to team training, knowledge sharing, and the development of best practices.

What You Bring: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education:

• Bachelor’s degree required or equivalent experience

Qualifications:

• 3 - 5 years of relevant experience or demonstrated required level of proficiency

• Experience with SWIFT messaging (MT700, MT707, MT103, MT202, etc.) preferred.

• Strong understanding of:

• UCP 600 (Uniform Customs and Practice for Documentary Credits)

• ISBP (International Standard Banking Practice)

• URC 522 (Documentary Collections)

• ISP98 (Standby Letters of Credit)

• International trade documentation and Incoterms

• Excellent attention to detail.

• Strong analytical and problem-solving abilities.

• Effective communication and customer service skills.

• Ability to work under deadlines in a high-volume environment.

• Proficiency with trade finance systems and Microsoft Office applications.

• Bilingual: English and Spanish

Certifications:

• No Certifications listed for this job.

It Would Be Nice For You To Have:

• Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.

Work Authorization & Sponsorship: Applicants must be legally authorized to work in the United States on a full-time basis without requiring employer sponsorship to commence employment.

What Else You Need To Know: The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location.

Base Pay Range: Minimum: $43,500.00 USD

Maximum: $68,000.00 USD

We Value Your Impact: Your contribution matters and it’s recognized. You can expect a fair and competitive rewards package that reflects the impact you create and the value you deliver. We know rewards go beyond numbers. Offering more than just a paycheck our benefits are designed to support you, your family and your well-being, now and into the future. Santander Benefits - 2026 Santander OnGoing/NH eGuide (foleon.com)

Risk Culture: We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management.

EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law.

Working Conditions: Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required.

Employer Rights: This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason.

What To Do Next: If this sounds like a role you are interested in, then please apply.

We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at TAOps@santander.us to discuss your needs.