Santander Bank, N.A. · 8 hours ago
Dealer Commercial Services Underwriter
Dallas, TX
Full-time
Onsite
Mid, Senior Level
$66K/yr - $108K/yr
5+ years expSantander Bank, N.A. is a global leader in the financial services industry, evolving into a technology-driven organization. The Associate, Underwriter is responsible for managing credit risk and ensuring sound credit decisions for dealer relationships, while collaborating with clients and internal partners to support portfolio quality.
BankingFinanceFinancial Services
Responsibilities
Independently underwrite, structure, and prepare clear, accurate credit proposals, renewals, and modifications for credit committee approval
Analyze complex financial statements, including balance sheets, income statements, cash flow, business history, ownership structure, and loan collateral for automotive dealerships
Manage the full end-to-end underwriting process for new business, annual renewals, and loan modifications to ensure timely, efficient execution
Monitor assigned portfolio performance by obtaining, reviewing, and analyzing up-to-date financial information and risk indicators
Review loan inquiries and respond promptly to client and internal partner requests with well-supported credit recommendations
Collaborate directly with customers and internal line of business partners to gather required data and clarify financial or structural considerations
Manage multiple underwriting assignments simultaneously while meeting deadlines and maintaining a high level of accuracy
Review and proactively manage past-due and upcoming loan maturities to support portfolio quality and risk mitigation
Qualification
Required
Bachelor's degree in Finance, Accounting, Management, Economics, or a related field, or equivalent work experience – Required
Five or more years of experience in financial analysis, credit structuring, underwriting, and portfolio management – Required
English – Required
Financial statement analysis, including balance sheet, income statement, and cash flow evaluation
Credit underwriting, structuring, and risk assessment for complex commercial relationships
Portfolio monitoring and credit file management
Preparation of clear, well-documented credit and findings reports
Working knowledge of commercial lending processes and credit policies
Strong analytical and decision-making skills with the ability to assess risk and evaluate trade-offs
Excellent written and verbal communication skills, including comfort presenting to groups
High attention to detail with strong organizational and time-management capabilities
Ability to manage multiple priorities simultaneously in a fast-paced, team-oriented environment
Customer-focused mindset with a commitment to responsiveness and professional interaction
Self-starter who takes initiative, adapts to change, and seeks alternative solutions when needed
Preferred
Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education
Company
Santander Bank, N.A.
At Santander Bank, it’s our mission to help people and businesses prosper.
5001-10000 employees
H1B Sponsorship
Santander Bank, N.A. has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (44)
2024 (36)
2023 (61)
2022 (66)
2021 (78)
2020 (69)
Funding
Current Stage
Late StageTotal Funding
$75MKey Investors
Wind Turbine & Energy Cables
2020-01-22Debt Financing· $75M
Leadership Team
Pierre Habis
Chief Consumer & Digital Transformation Officer
Recent News
The Real Deal
2026-02-03
Providence Business News
2026-01-16
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