Santander US

Santander US

Dealer Commercial Services Underwriter

Dallas, TX · Full-time

No sponsorshipDetected 21 days ago
Financial AnalysisAccountingExcelCommunicationPublic SpeakingMicrosoft OfficeUnderwriting

About the role

  • 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.
  • Monitor assigned portfolio performance by obtaining, reviewing, and analyzing up-to-date financial information and risk indicators.

Responsibilities

  • 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.

Requirements

  • To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.
  • The requirements listed below are representative of the knowledge, skill, and/or ability required.
  • Bachelor's degree in Finance, Accounting, Management, Economics, or a related field, or equivalent work experience.
  • 5+ years of experience in accounting, financial analysis, credit structuring and commercial dealer credit underwriting.

Nice to have

  • 5+ years of commercial portfolio management - Preferred.

Skills

  • 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.
  • Proficiency in Microsoft Office 365 Products, including Excel, PowerPoint, Word, Teams, and Outlook.
  • Excellent written and verbal communication skills, including comfort presenting to groups.
  • High attention to detail with strong organizational and time-management capabilities.
  • 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.
  • Certifications:

Compensation

  • $65,625.00 USD Maximum:
  • $107,500.00 USD
  • We Value Your Impact:
  • Your contribution matters and it's recognized.
  • You can expect a fair and competitive rewards package that reflects the impact you create and the value you deliver.
  • We know rewards go beyond numbers.

Benefits

  • Offering more than just a paycheck our benefits are designed to support you, your family and your well-being, now and into the future.
  • Santander Benefits - 2026 Santander OnGoing/NH eGuide (foleon.com)

Company info

  • 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.
  • It's a chance for driven professionals to grow, learn, and make a real difference.
  • If you are interested in exploring the possibilities We Want to Talk to You!
  • 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.
  • If this sounds like a role you are interested in, then please apply.
  • 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 TAOps@santander.us to discuss your needs.

Equal opportunity

  • 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.

Visa & Work Authorization

  • Applicants must be legally authorized to work in the United States on a full-time basis without requiring employer sponsorship to commence employment.
Apply directly at Santander US →Create a free account for alerts like thisView Santander US immigration profile

This listing is sourced directly from Santander US's careers page and normalized into a canonical job model.