Sign upLog in

Dealer Commercial Services Underwriter

Santander US

Dallas, TX

Apply
JOB DETAILS
SKILLS
Accounting, Analysis Skills, Auditing, Balance Sheet, Business Processes, Cash Flow, Cash Flow Projection, Commercial Loans, Communication Skills, Corrective Action, Credit Processing, Credit Reports, Credit Risk, Customer Relations, Data Collection, Detail Oriented, Economics, File Management, Finance, Financial Analysis, Financial Risk, Financial Services, Financial Trend Analysis, Income Statements, Investment Management, Loan Collateral, Loan Policy, Loan Restructuring, Loan Review, Loan Structuring, Microsoft Excel, Microsoft Office, Microsoft Outlook, Microsoft PowerPoint, Microsoft Product Family, Microsoft Word, Mortgage Lending, Multitasking, Organizational Skills, Past Due Accounts, Performance Analysis, Presentation/Verbal Skills, Risk, Risk Analysis, Risk Management, Team Player, Time Management, Underwriting, Writing Skills
LOCATION
Dallas, TX
POSTED
20 days ago
It Starts Here:


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!


Job Description


The Difference You Make:

The Dealer Commercial Services Underwriter is responsible for evaluating and managing credit risk for dealership floorplan, revolving, term, and real estate financing. Other 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.


Position Summary


+ 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.


What You Bring:

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 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 dealer credit underwriting – Required.

+ 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.

+ Ability to manage multiple priorities simultaneously in a fast-paced, team-oriented environment.

+ 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:

No Certifications listed for this job.


It Would Be Nice For You To Have:

Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.


Work Authorization & Sponsorship:

Applicants must be legally authorized to work in the United States on a full-time basis without requiring employer sponsorship to commence employment.


What Else You Need To Know:


The base pay range for this position is posted below and represents the annualized salary range. 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.


Base Pay Range:


Minimum:


$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. 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) (https://businessolver.foleon.com/santander/2026-santander-eguide/)


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.


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.


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 your employment at any time for any reason.


WhatTo Do Next:


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.


AN EQUAL OPPORTUNITY EMPLOYER M/F/Vet/Disabled/SO

About the Company

S

Santander US

We are Santander Bank, N.A., one of the country's top retail banks by deposits and a wholly owned subsidiary of one of the most respected banks in the world: Banco Santander. Our parent company, Santander Group, serves more than 100 million customers in the United Kingdom, Latin America, and Europe. Here in the Northeast, we are a team of 9,800 individuals all committed to a single mission: to help customers make progress toward their goals. We aim to make banking hassle-free by providing simple ways for customers to spend, save and manage their money.

Santander is recruiting people like you who want to be challenged and strive for something better. At Santander, you'll be rewarded with competitive compensation and market leading benefits. You'll have access to comprehensive career development programs that empower you to grow and advance. You'll discover a company where you can shape a bright future.
COMPANY SIZE
5,000 to 9,999 employees
INDUSTRY
Banking
FOUNDED
1902