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Santander · 4 hours ago

Dealer Commercial Services Underwriter

Dallas

Full-time

Onsite

Mid, Senior Level

$66K/yr - $108K/yr

5+ years exp

Santander is a global leader and innovator in the financial services industry, evolving into a technology-driven organization. The Dealer Commercial Services Underwriter is responsible for managing credit risk by reviewing complex relationships and preparing proposals for credit committee approval, while also analyzing financial statements and managing the underwriting process.

BankingCommercial LendingFinanceFinancial ServicesPersonal Finance

Comp. & Benefits

Responsibilities

Independently underwrites and prepares accurate and concise proposals or modifications for credit committee approval

Analyzes financial statements, balance sheet, income statements, and cash flow of automotive dealerships, including business history, structure and loan collateral

Monitors portfolio and obtains and reviews up to date financials

Interfaces with customers and internal line of business partners to obtain data to complete analysis

Manages each annual renewal and/or new business loan requests with the highest sense of urgency, while multi-tasking on multiple proposals

Manages the complete end-to-end underwriting process to ensure timely and efficient processing of all annual renewals, modifications, and new business opportunities

Reviews loan inquiries and responds to client requests

Reviews and manages past due and coming due loan reports

Qualification

Financial analysisUnderwritingPortfolio managementAnalytical skillsDecision-making skillsCustomer serviceCommunication skillsDetail orientedLeadershipSelf-starter

Required

Bachelor's Degree or equivalent work experience in Finance, Accounting, Management, Economics or equivalent field

5+ Years Financial analysis, structuring, underwriting, and portfolio management

Commitment to excellent customer service – responds promptly to customer needs, professional interacts with customer

Extensive decision-making and analytical skills to evaluate information, determine risks, and consider the benefits

Communication skills, responds well to questions and demonstrates comfort with group presentations

Detail Oriented

Categorical understanding of the lending process

Capable of preparing findings reports

Ability to handle multiple files simultaneously

Ability to provide leadership in the market by being a positive contributor to the team including being a mentor to less experienced team members and embracing change

Takes initiative on projects and assignments, seeks alternate solutions when necessary

Self-starter with ability to work in a face paced team-oriented environment