Pre & Post Trade Operations – Residential Mortgage Warehouse Lending Associate/VP

Santander

. Oversee day-to-day operations of a Pre & Post Trade Operations team supporting Residential Mortgage Warehouse Lending and related lending activities .

Posted 11/10/2026full-timeUnited StatesSeniorLead💰 $145,000 - $190,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in Residential Mortgage Warehouse Lending, including loan funding, collateral management, and operational risk controls. Proven ability to lead teams, manage complex transactions, and ensure compliance with regulatory requirements.

Highest-signal resume keywords

Residential Mortgage Warehouse Lending ExperienceOperational Risk ManagementTeam LeadershipTransaction ExecutionStakeholder Management

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Loan FundingCollateral ManagementAdvance Rates UnderstandingEligibility Criteria KnowledgeOperational ControlsFunding AccuracyRepayment TrackingWarehouse Loan AgreementsProcess ImprovementAutomation Initiatives

Soft Skills

Analytical SkillsCommunication SkillsPeople LeadershipProblem-Solving SkillsStakeholder Engagement

Industry Keywords

Pre & Post Trade OperationsStructured FinanceSpecialty FinanceMortgage SettlementCollateral ExceptionsFunding IssuesRegulatory ComplianceOperational DeliveryPerformance MonitoringKPI/KRI Management

About the role

Key responsibilities & impact

Oversee day-to-day operations of a Pre & Post Trade Operations team supporting Residential Mortgage Warehouse Lending and related lending activities
Ensure timely, accurate, and controlled transaction execution
Provide team leadership, operational expertise, risk management, and escalation of complex matters
Partner with Front Office, Credit, Risk, Legal, Treasury, Finance, Technology, and other stakeholders
Manage daily workload, priorities, coverage, performance, and operational delivery
Oversee facility onboarding, loan funding, borrowing-base availability, collateral management, repayments, and collateral releases
Monitor advance rates, eligibility criteria, concentration and aging requirements, wet/dry funding, collateral exceptions, and warehouse take-out activity
Ensure controls over high-value funding, including payment instruction, beneficiary and account validation, authorization, and escalation
Act as primary escalation point for complex transactions, funding issues, collateral discrepancies, and operational exceptions
Monitor operational performance, controls, KPIs/KRIs, and recurring exceptions; drive remediation
Ensure compliance with policies, procedures, transaction documentation, regulatory requirements, and internal control standards
Support new facilities, amendments, refinancings, process improvements, automation, and technology initiatives
Partner with senior management and stakeholders to implement operational priorities and improve processes and controls
Lead and develop the team

Requirements

What you’ll need

Bachelor’s Degree in a related field or equivalent demonstrated through a combination of work experience, training, military service, or education — Required
Must possess residential mortgage warehouse lending experience
7+ years of relevant experience in banking, lending, structured finance, specialty finance, or Pre & Post Trade Operations
Experience leading or supervising a team
Strong knowledge of Residential Mortgage Warehouse Lending, including warehouse facilities, loan funding, borrowing-base mechanics, collateral pledging, repayments, and releases
Understanding of advance rates, haircuts, eligibility criteria, concentration limits, aged collateral, wet/dry funding, and collateral exceptions
Familiarity with mortgage settlement and take-out processes and interactions with mortgage originators, custodians, bailees, title companies, settlement agents, escrow agents, and investors
Ability to understand operational requirements within Warehouse Loan and Security Agreements and translate them into procedures and controls
Strong knowledge of operational risk and controls, particularly funding accuracy, beneficiary validation, duplicate funding, collateral eligibility, borrowing-base accuracy, and repayment tracking
Ability to manage complex and time-sensitive transactions, resolve exceptions, and escalate material risks
Strong people leadership, analytical, communication, and stakeholder-management skills
Legally authorized to work in the United States on a full-time basis without employer sponsorship
Experience supporting new facility closings, amendments, operational change, automation, or system implementations preferred

Benefits

Comp & perks

Fair and competitive rewards package
Benefits designed to support employees, their families, and well-being