Workout Officer - Remote Country: United States of America It Starts Here: Santander is a global leader and innovator in the financial services industry and is evolving from a high-impact brand into a technology-driven 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 Associate, Workout manages accounts of low complexity and proactively facilitates the resolutions of problem loans in a cost effective manner. The incumbent minimizes potential losses to the Company by identifying areas of concern, opportunities, reports on potential and/or known issues, recommends process improvements. and implements solutions to existing programs in accordance with risk management objectives and corporate budgets. - Manages accounts of low complexity, in accordance with risk management objectives and corporate budgets. - Facilitates the resolution of problem loans through improved credit quality or repayment, in a cost effective manner. - Generates new income via late fees, fees for waivers, prepayment fees. - Reviews adequacy of assigned risk ratings and provide support for risk rating upgrade and downgrade recommendations. - Resolves challenges and issues in providing lending solutions to clients. - Develops system solutions to generate proper portfolio reporting and maximize current software capabilities to improve effectiveness or efficiency of portfolio monitoring. - Collects financial information, communicates with loan applicants and credit administration to ensure approved loans are booked, funded, and managed in a proper and timely manner. - Maximizes respective portfolio profitability growth by focusing on value add relationships and transactions. - Participates in or lead the implementation of process and procedure changes. - Maximizes revenue by generating new income via increased pricing, default interest, or deferred accruals. - Ensures compliance with training, statutes, valuation and environmental policy. - Supports senior workout professionals in management of troubled loan relationships. - Maintains abreast emerging risk trends and risk management best practices; summarizes and communicates findings with team. - Coaches and reviews the work of junior workout professionals, when needed. 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. - Bachelor's Degree or equivalent work experience: Business Administration, Accounting, Finance, Economics or equivalent field. - Required. - Master's Degree: Business Administration, Accounting, Finance, Economics or equivalent field. - Preferred. - 5+ Years Workout or Collections experience. - Required. - Practical knowledge of corporate regulatory requirements, and factors influencing the business in which the Corporation operates. - Practical knowledge of key business control areas (Audit & Risk Review, Risk Management, Finance, Human Resources, and Legal) and governmental regulatory agencies. - Ability to resolve complex situations with internal clients and regulators, while maintaining a professional presence. - Ability to quickly respond to inquiries from regulatory agencies, internal partners, and external consultants. - Ability to read, analyze and interpret government regulations, trade journals and legal documents. - Ability to effectively deal with senior management as well as, Federal/State and other Regulators. - Ability to work cross-functionally as a team player. - Ability to mentor and guide staff and numerous projects simultaneously. - Ability to influence others, including senior leadership. - Excellent verbal and written communication skills. - Advanced Microsoft Office (Excel, Word, PowerPoint, Outlook, SharePoint) skills. - Strong project management skills. 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. - Experience in Microsoft Office products. 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: $76,875.00 USDMaximum: $135,000.00 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.

• Deliver multiple software implementations via consulting activities from kickoff to Go-Live • Provide ongoing client support • Be the trusted advisor to clients on system configuration and implementation • Communicate with customer to determine needs and contribute solution design • Interpret requirements data and identify any gaps in functionality • Manage project issues and coordinate activities with clients and internal team members • Provide support for clients in a help desk capacity and assist in troubleshooting • Provide on-site training and consulting for clients if necessary • Maintain daily timesheet and expense report entries

Transaction Coordinator — The Heart of the Deal You know that contracts aren’t just paperwork — they’re people.  Behind every signature is a client starting a new chapter and an agent trusting you to help them deliver. You’re the person who catches what others miss, solves problems before they surface, and shows up with calm, steady judgment when the stakes are high. In this role, you won’t just be processing transactions — you’ll be protecting clients, supporting agents, and keeping deals on track so everyone crosses the finish line with confidence.  You’ll work closely with our agents, clients and success team from contract to close, providing world-class service, thoughtful solutions, and the kind of care that turns stressful situations into success stories. What You'll Do: - Own the transaction process from executed contract to closing — ensuring every detail is correct, every party is informed, and every client feels cared for. - Act as the primary point of contact for clients, agents, lenders, title companies, and cooperating agents — always communicating with kindness, clarity, and urgency. - Identify potential problems early, and solve them proactively — using your judgment to protect the client and the team. - Serve as a trusted resource to agents, freeing them to focus on client relationships while you handle the logistics. - Keep every transaction organized, documented, and compliant while still delivering a personal, human touch. - Practice good judgment when navigating competing priorities, client needs, and tight deadlines — always doing what's right over what's easy. - Use AI / AI Agents to constantly improve the process. Constantly look for ways to improve the client and agent experience, and practice your craft to elevate your skills.

• End-to-end responsibility for our order management: from order intake and coordination to on-time delivery to the retail partner – you are the primary point of contact for everything related to B2B sales. • Management of all operational B2B projects – from product rollouts and in-store display activations to seasonal campaigns. • Tracking and analysis of inventory, delivery, and POS data – you identify what's working and where there are issues. • Interface management between retail partners, logistics providers, and internal teams – you ensure everyone is aligned. • Optimization and automation of retailer order management for efficient, error-free processing across all channels. • Coordination of internal teams and clear communication about project status, timelines, and standards.