Underwriter - Dealer Commercial Services

Job Description:

Reviews, analyzes and evaluates risks in order to renew existing business or generate new accounts. Determines appropriate terms and conditions for coverages and rates for program profitability. Contributes to the profitable growth of specific program(s) by maintaining pricing integrity, product excellence, and the development of meaningful performance metrics and controls.

Essential Functions/Responsibilities:

Underwrite new/renewal/increased credit facilities to automobile dealerships.

Maintain loan relationship with a variety of customers by structuring and discussing recommended best loan plan.
Monitor department portfolio by having all financials up to date.
Review loan inquiries and responds to client requests.
Write credit memos.

Qualifications:
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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education:
Bachelor's Degree or equivalent work experience in Finance, Accounting, Management, Economics or equivalent field.

Work Experience:
Financial analysis, structuring, underwriting and portfolio management, 9-12 years.

Commercial Auto underwriting experience.

Skills and Abilities:

Hands on, extensive experience with underwriting of commercial auto dealership transactions.

Commitment to excellent customer service – responds promptly to customer needs, professional interacts with customer.
Extensive decision-making and analytical skills to evaluate information, determine risks, and consider the benefits.
Communication skills, responds well to questions and demonstrates comfort with group presentations.
Proficient knowledge of Microsoft Word, Microsoft Excel, and Microsoft Outlook.
Detail Oriented.
Categorical understanding of the lending process
Capable of preparing findings reports.
Ability to handle multiple files simultaneously.
Ability to provide leadership in the market by being a positive contributor to the team including: being a mentor to less experienced team members and embracing change.
Takes initiative on projects and assignments, seeks alternate solutions when necessary.

Diversity & EEO Statements:

At Santander, we value and respect differences in our workforce and strive to increase the diversity of our teams. 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. Occasional moving and lifting equipment and furniture is required to support onsite and offsite meeting setup and teardown. Physically capable of lifting up to fifty pounds, able to bend, kneel, climb ladders.

Employer Rights:

This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate at any time for any reason.

Primary Location: Dallas, TX, Dallas

Other Locations: Texas-Dallas,Florida-Tallahassee

Organization: Santander Bank N.A.