Trade & Working Capital Associate

Santander ( is evolving from a global, high-impact brand into a technology‑driven organization, and our people are at the heart of this journey. We are driving a customer‑centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible. It’s an opportunity for driven professionals to grow, learn, and make a real difference. Our mission is to help more people and businesses prosper while fostering a strong risk culture and a proactive approach to risk management.

SANTANDER CORPORATE & INVESTMENT BANKING

We support the world’s most complex corporate and institutional clients. SCIB is looking for an Associate based in Frankfurt who will support the Trade & Working Capital Team in originating and structuring solutions for large corporate clients across Germany, Austria, Switzerland, and the Nordic countries. You will manage a dedicated set of customers for your cluster.

RESPONSIBILITIES

• Prepare and execute transactions, including applications for internal approval committees and alignment with stakeholders such as Banking, Private Debt Mobilisation (Syndication), Operations, Legal, Product, Working Capital Advisory, Compliance, and IT to provide best‑in‑class service and seamless end‑to‑end origination and execution.
• Support senior team members in identifying opportunities and originating transactions within Trade & Working Capital solutions; prepare and deliver client presentations and 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 advise clients on all matters concerning Trade and Working Capital solutions.
• Support management of the existing portfolio business and assist in enhancing profitability and revenues in line with Santander’s requirements.
• Support the team in external advocacy roles to build up Santander’s branding and thought leadership.

WHAT YOU’LL BRING

We value unique strengths and perspectives that strengthen our teams.

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, maths, physics, or economics (Required).

• Fluency in English and German (Required).
• Spanish or any Nordic language is a plus (Preferred).

• Knowledge of trade & working capital products and structures (Required).
• Knowledge of corporate banking (Preferred).
• Basic knowledge of legal structures (Preferred).

• Experience leading customer calls.
• Open‑minded.
• Resilient.
• Team player.
• Reliable.

WE VALUE YOUR IMPACT

Your contribution matters and it’s recognized. You can expect a fair, competitive reward package that reflects the impact you create and the value you deliver. You also benefit from preferential banking terms, special interest rates on loans, life insurance, and more.

BENEFITS

• Global opportunities and broad career paths.
• Flexible hybrid working model with remote and onsite options and flexible hours.
• Access to hundreds of courses on our learning platforms, including Santander Open Academy.
• Competitive salary with performance‑based bonuses.
• Health and wellness benefits through BeHealthy, the global wellness programme.

EQUAL OPPORTUNITIES

Santander is proud of offering 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.