Trade & Working Capital Associate

IT STARTS HERE

Santander ( is evolving from a global, high‑impact brand into a technology‑driven organization, and our people are at the heart of this journey.

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.

Our mission is to contribute to help more people and businesses prosper.

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

Santander Corporate & Investment Banking (Santander CIB) is Santander's global division that supports some of the world's most complex and sophisticated corporate and institutional clients, offering customized services and value‑added wholesale products to best meet their needs.

THE DIFFERENCE YOU MAKE

SCIB is looking for an Associate based out of Frankfurt.

As an Associate, you will support the Trade & Working Capital Team in originating and structuring trade and working capital solutions for large corporate clients in Germany, Austria, Switzerland and the Nordic countries.

You will have responsibility for a set of dedicated customers for your cluster.

Responsibilities

• Prepare and execute transactions, including applications for internal approval committees and alignment with all internal stakeholders such as Banking, Private Debt Mobilisation, Operations, Legal, Product, Working Capital Advisory, Compliance, IT, to provide a best‑in‑class service and seamless end‑to‑end origination and execution.
• Support senior team members in identifying opportunities and assist in originating transactions within Trade & Working Capital solutions for large corporate clients; prepare and deliver client presentations and actively support other sales and coverage initiatives.
• Perform financial and strategic business analysis.
• Adhere to internal processes and governance to ensure control and transparency over sales activity.
• Gather market intelligence and support in advising clients on all matters concerning Trade and Working Capital solutions.
• Support managing the existing portfolio business and assist in enhancing the profitability and revenues in line with Santander’s requirements.
• Support the team in external advocacy roles to continue building up Santander's branding and thought leadership.
• What You’ll Bring

The following requirements represent the knowledge, skills, and abilities essential for success in this role.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Professional Experience
• Minimum of 2 to 4 years of relevant experience in banking and/or Trade & Working Capital instruments and solutions (Required).
• Customer facing and/or sales experience is a plus (Preferred).

Education

• B.

A. in Finance, Business Administration or equivalent, or other university and business school qualifications such as finance, law, engineering, math, physics, or economics (Required).

• Languages
• Fluency in English and in German (Required).
• Spanish or any other language, particularly a Nordic language, would be a plus (Preferred).
• Hard Skills
• Knowledge in trade & working capital products and structures (Required).
• Knowledge in corporate banking (Preferred).
• Basic knowledge in legal structures (Preferred).
• Soft Skills
• Knowledge of how to lead customer calls.
• Open‑minded.
• Resilient.
• Team player.
• Reliable.
• WE VALUE YOUR IMPACT

We realize your contribution matters and provide a fair, competitive reward package that reflects the impact you create and the value you deliver. Rewards go beyond numbers.

• Global opportunities and broad career paths.
• Hybrid working model with flexible hours.
• Learning for life: access hundreds of courses on our platforms, including exclusive access to Santander Open Academy.
• Competitive rewards: highly competitive salary with performance‑based bonuses.
• Financial advantages: preferential banking terms, special interest rates on loans, life insurance, and more.
• Your health is our priority through Be Healthy, a global wellness programme promoting holistic well‑being.
• LOCAL COMPLIANCE

Santander is proud of being an organization where there are equal opportunities regardless of age, gender, disability, civil status, race, religion or sexual orientation.

We are committed to providing an inclusive and accessible application process for all candidates.

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