Santander
Financial Services
DealerCommercialServicesSeniorUnderwritingAssociate
“Dealer Commercial Services Senior Underwriting Associate at Santander. Skills: Credit risk management, Underwriting, Financial statement analysis, Loan structuring, Portfolio monitoring. Managing credit risk and a portfolio of complex multi-dealer groups. Underwriting safe and sound loans in an expedient manner through a review process of analyzing and evaluating dealer financial statements and cash flow”
Industry & Context.
Cognitive thinking; Analytical thinking; Sound decision-making
Applicants must be legally authorized to work in the United States on a full-time basis without requiring employer sponsorship, 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
What They're Looking For.
Must Have
9+ years of experience in accounting, financial analysis, credit structuring and commercial underwriting, Experience evaluating credit risk, loan collateral, borrower financials, and lending requests within a commercial banking environment, Experience managing multiple priorities and complex files simultaneously in a fast-paced, team-oriented environment, Experience preparing reports, proposals, or credit findings with a high level of accuracy and attention to detail, Bachelor’s degree in Finance, Accounting, Management, Economics, or a related field, or equivalent work experience
Nice to Have
Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education
What You'll Do.
Managing credit risk and a portfolio of complex multi-dealer groups
Underwriting safe and sound loans in an expedient manner through a review process of analyzing and evaluating dealer financial statements and cash flow
Assessing and evaluating the risk of financing requests within the framework of the organization's credit culture and current economic and industry trends
Analyzing corporate tax returns
as well as dealership financial statements to ascertain borrowers' financial
Ensuring loans are in compliance with the organization's underwriting standards and all applicable bank regulations
Independently underwriting and preparing accurate and concise proposals or modifications
Managing each annual renewal and/or new business loan requests with the highest sense of urgency
while multi-tasking on multiple proposals
Managing the complete end-to-end underwriting process to ensure timely and efficient processing of all annual renewals
and new business opportunities
Receiving and reviewing incoming loan application requests and supporting documentation
Analyzing financial statements
and cash flow of automotive dealerships
including company history
Monitoring portfolio and reviewing up to date financials
Reviewing loan inquiries and responding to client requests
Reviewing and managing past due and coming due loan reports
Applying line of business policies and guidelines
Reviewing loan documents
Reviewing credit memos completed by junior level staff before submission to department manager and senior management
How You'll Work.
Team & Collaboration
Interfaces with customers and internal line of business partners to obtain data to complete analysis; Ability to mentor less experienced team members and contribute positively to the team
Communication Scope
Written communication skills; Verbal communication skills; Professional stakeholder engagement
Process & Methodology
Managing multiple priorities and complex files simultaneously, Managing the complete end-to-end underwriting process, Managing multiple priorities and meet deadlines
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