Senior Commercial Credit Underwriter - Dealer Finance

Senior Commercial Credit Underwriter – Dealer FinanceCountry: United States of America It Starts With You: Santander is a global leader and innovator in the financial services industry and is evolving from a high-impact brand into a technology-driven organization. Our people are at the heart of this journey and together, we are driving a customer-centric transformation that values bold thinking, innovation, and the courage to challenge what’s possible. This is more than a strategic shift. Santander Dealer Commercial Services (“DCS”) delivers integrated capital and banking solutions to automotive dealers nationwide, including floorplan financing, syndicated lending, commercial real estate, treasury, merchant services, and other commercial banking capabilities. The Senior Underwriter is responsible for managing credit risk and a portfolio of complex multi-dealer groups. They underwrites safe and sound loans in an expedient manner through a review process of analyzing and evaluating dealer financial statements and cash flow. They carefully assesses and evaluates the risk of financing requests within the framework of the organization's credit culture and current economic and industry trends. Analysis includes the review of corporate tax returns, as well as dealership financial statements to ascertain borrowers' financial position; ensures loans are in compliance with the organization's underwriting standards and all applicable bank regulations. Receives and reviews incoming loan application requests and supporting documentation delivered through managed electronic lending portals, queues, or other avenues of receipt. Analyzes financial statements, balance sheet, income statements, and cash flow of automotive dealerships, including company history, structure, and loan collateral. Analyzes collateral, credit, and loan risk. Monitors portfolio and reviews up to date financials. Interfaces with customers and internal line of business partners to obtain data to complete analysis. Utilizes cognitive thinking and properly applies line of business policies and guidelines. Reviews loan documents. Reviews credit memos completed by junior level staff before submission to department manager and senior management. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Bachelor’s degree in Finance, Accounting, Management, Economics, or a related field, or equivalent work experience – Required. 9+ years of experience in accounting, financial analysis, credit structuring and commercial dealership credit underwriting – Required. ~ Experience evaluating credit risk, loan collateral, borrower financials, and lending requests within a commercial banking environment. – Experience preparing reports, proposals, or credit findings with a high level of accuracy and attention to detail. – Financial statement analysis, including balance sheets, income statements, cash flow statements, and corporate tax returns. Credit analysis, loan structuring, underwriting, and portfolio monitoring. Proficiency in Microsoft Office 365 Products, including Excel, PowerPoint, Word, Teams, and Outlook. Customer service orientation and professional stakeholder engagement. Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education. Applicants must be legally authorized to work in the United States on a full-time basis without requiring employer sponsorship to commence employment. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location. Risk Culture: We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management. 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. Depending on location, occasional moving and lifting light equipment and/or furniture may be required. You may be evaluated in part based upon your performance of the tasks listed in this job description. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason. We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at View email address on click.appcast.io.