Chris Santos

Principal, Callodine Commercial Finance

Chris Santos is a principal at Callodine Commercial Finance. His responsibilities include underwriting and structuring new debt transactions and portfolio management. Working closely with clients, Chris’ experience includes new business underwritings, restructurings, and refinancings in the U.S., Canada, Europe, and Australia. Before joining Callodine Commercial Finance, he held the same role at its predecessor firm, Gordon Brothers Finance Company. Chris began his career at Bank of America Merrill Lynch in 2010, where he was responsible for underwriting and portfolio management of asset-based loans to North American-based retailers. He received a Bachelor of Science in corporate finance and accounting from Bentley University. Chris lives outside of Boston and enjoys spending time with his wife and son, golfing, and traveling.

What is the best professional advice you have been given, and how have you implemented it? 

Early in my career, I was advised not to be afraid to ask questions. The advice sounds so simple and obvious, but I’ve found it a great way to learn. It can be easier said than done, particularly when you are a junior member of a team. One way I was able to implement it early on was to develop a personal relationship with a few people such that I felt comfortable approaching them. It can feel daunting asking specific questions in front of your entire group, but one-offing someone you trust can be easier and may generate a different and more fulsome response than asking in front of the whole team. Additionally, fostering relationships allows asking questions that aren’t appropriate for a group setting, such as individual feedback or career advice.

Another piece of advice I was given was to pay attention to the people you respect. You can learn a great deal by watching how people do their jobs, whether that’s how they conduct themselves in meetings, with clients, in negotiations, or do write-ups. There is a reason certain people are successful, and it’s helpful to understand those traits. I’ve had the opportunity to work with highly talented people throughout my career and observing them has greatly benefited me. 

How do you define a good leader?

I believe a good leader can come in many forms, but almost always share some of the same qualities. Those attributes include clear messaging, considering all viewpoints, and trusting people to do their jobs. 

A leader who displays clear messaging allows their team to charge at a goal and work with little uncertainty. Conversely, it can be challenging and time-wasting when second-guessing what needs to be done. A leader who considers all viewpoints shows that they are willing to listen to everyone, rather than a select few, often to different, more creative, and better solutions. No one likes to be micromanaged and having a manager who trusts you to do your job is essential for my definition of a good leader. 

Some other qualities that I value in a leader are being approachable and having a good temperament. I’ve had the opportunity to work for people who have been very strong in these qualities, which I value highly. It can be challenging to work for leaders who act emotionally and without a level head, which can lead to stress and anxiety for members of the group. Being approachable is a plus, as the more comfortable people feel leads to creativity and helps team morale.

With many working remotely or hybrid-style the past few years, what are some work-life balance strategies you’ve stuck with?

With improved home setups during the pandemic, it has become increasingly easier to sit at your desk at any hour of the night. I think work-life strategies are important as a result. 

One strategy that I’ve stuck with is making sure I get outside to go on a walk, preferably with my phone in my pocket and not in my hand. Although not always doable with scheduling, I try to do a 5-30 minute walk in the early afternoon. I’ve found it refreshing, a great way to clear my mind without distractions, and a good reset for the afternoon. 

Another approach I’ve kept with is disconnecting when spending time with loved ones. Calls and emails can come at any time, so carving out time with my family without distractions allows me to be present. The work will always be there.