Dealer Commercial Services Underwriter
Santander Consumer USA Inc., Dallas, TX, United States
Dealer Commercial Services Underwriter
Responsible for evaluating and managing credit risk for dealership floorplan, revolving, term, and real estate financing. Duties include monitoring dealer performance and audits, approving and adjusting credit lines based on trends, detecting and investigating high‑risk activity or fraud, complying with lending policies and internal guidelines, and recommending risk mitigation strategies or corrective action for underperforming accounts.
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.
Qualifications
Education: Bachelor’s degree in Finance, Accounting, Management, Economics, or a related field, or equivalent work experience – Required.
Experience: 5+ years of experience in accounting, financial analysis, credit structuring and commercial underwriting – Required.
Experience: 5+ years of commercial portfolio management – Preferred.
Skills: Financial statement analysis, including balance sheet, income statement, and cash flow evaluation.
Skills: Credit underwriting, structuring, and risk assessment for complex commercial relationships.
Skills: Portfolio monitoring and credit file management.
Skills: Preparation of clear, well‑documented credit and findings reports.
Skills: Working knowledge of commercial lending processes and credit policies.
Skills: Strong analytical and decision‑making skills with the ability to assess risk and evaluate trade‑offs.
Skills: Excellent written and verbal communication skills, including comfort presenting to groups.
Skills: High attention to detail with strong organizational and time‑management capabilities.
Skills: Ability to manage multiple priorities simultaneously in a fast‑paced, team‑oriented environment.
Skills: Customer‑focused mindset with a commitment to responsiveness and professional interaction.
Skills: Self‑starter who takes initiative, adapts to change, and seeks alternative solutions when needed.
Certifications No Certifications listed for this job.
Pay Range Minimum: $65,625.00 USD
Maximum: $107,500.00 USD
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.
Working Conditions Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required.
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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.
Qualifications
Education: Bachelor’s degree in Finance, Accounting, Management, Economics, or a related field, or equivalent work experience – Required.
Experience: 5+ years of experience in accounting, financial analysis, credit structuring and commercial underwriting – Required.
Experience: 5+ years of commercial portfolio management – Preferred.
Skills: Financial statement analysis, including balance sheet, income statement, and cash flow evaluation.
Skills: Credit underwriting, structuring, and risk assessment for complex commercial relationships.
Skills: Portfolio monitoring and credit file management.
Skills: Preparation of clear, well‑documented credit and findings reports.
Skills: Working knowledge of commercial lending processes and credit policies.
Skills: Strong analytical and decision‑making skills with the ability to assess risk and evaluate trade‑offs.
Skills: Excellent written and verbal communication skills, including comfort presenting to groups.
Skills: High attention to detail with strong organizational and time‑management capabilities.
Skills: Ability to manage multiple priorities simultaneously in a fast‑paced, team‑oriented environment.
Skills: Customer‑focused mindset with a commitment to responsiveness and professional interaction.
Skills: Self‑starter who takes initiative, adapts to change, and seeks alternative solutions when needed.
Certifications No Certifications listed for this job.
Pay Range Minimum: $65,625.00 USD
Maximum: $107,500.00 USD
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.
Working Conditions Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required.
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