Dealer Commercial Services Underwriter

Dealer Commercial Services Underwriter We are seeking a Dealer Commercial Services Underwriter to evaluate and manage credit risk for dealership floorplan, revolving, term, and real‑estate financing. Responsibilities Underwrite, structure, and prepare accurate credit proposals, renewals, and modifications for credit committee approval. Analyze complex financial statements, balance sheets, income statements, cash flows, business history, and loan collateral for automotive dealerships. Manage the end‑to‑end underwriting process for new business, annual renewals, and loan modifications to ensure timely execution. Monitor portfolio performance, review financial information and risk indicators, and respond to inquiries with credit recommendations. Collaborate with customers and internal partners to gather required data and clarify financial or structural considerations. Supervise multiple underwriting assignments while maintaining accuracy and meeting deadlines. Review and manage past‑due and upcoming loan maturities to support portfolio quality and risk mitigation. Qualifications Education: Bachelor’s degree in Finance, Accounting, Management, Economics, or related field; or equivalent work experience (required). Experience: 5+ years of accounting, financial analysis, credit structuring, and commercial dealer credit underwriting (required); 5+ years of commercial portfolio management (preferred). Skills: Financial statement analysis; credit underwriting, structuring, and risk assessment for complex commercial relationships; portfolio monitoring; credit file management; preparation of clear and well‑documented credit reports; knowledge of commercial lending processes and credit policies; strong analytical and decision‑making skills; proficiency with Microsoft Office365 (Excel, PowerPoint, Word, Teams, Outlook); excellent written and verbal communication; high attention to detail; organizational and time‑management abilities; ability to manage multiple priorities in a fast‑paced environment; customer‑focused mindset; self‑starter initiative. Work Authorization & Sponsorship Applicants must be legally authorized to work in the United States on a full‑time basis without requiring employer sponsorship. Base Pay Range Minimum: $65,625.00 USD; Maximum: $107,500.00 USD. Benefits The position offers a competitive rewards package reflecting the impact you create, along with benefits designed to support you, your family, and your well‑being. EEO Statement At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. #J-18808-Ljbffr Banco Santander SA