Analyst, Dealer Commercial Services Underwriting

About the role

Country: United States of America

It Starts With You

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!

The Difference You Make

The Sr. Specialist, Underwriting works closely with the origination team and credit risk management in reviewing and analyzing financial statement reports, conducting due diligence, helping structure the transaction, assessing credit risk ratings, preparing deal screen presentations, writing credit approval memorandums, presenting recommendations to credit committee, reviewing legal documentation, and monitoring and managing the credit portfolio.

• Participates in projects that help improve and streamline the credit delivery process.
• Prepares high quality, detailed credit approval documents that contain an in-depth analysis and an understanding and identification of credit issues and risks.
• Decisions loan requests in accordance with the organization's loan policies and procedures.
• Recommends proper loan structuring that limits risk.
• Prepares commitment letters upon approval of loan request.
• Orders and reviews appraisals and valuations (real estate, equipment, business, etc.).
• Assists all partners (closing, portfolio, and operations) in the closing of business loans.
• Supports department manager by supervising all personnel within the department in case manager is absent.

What You Bring

Education

• Bachelor's Degree: in related field or equivalent demonstrated through a combination of work experience, training, military service, or education - Required

Qualifications

• 3+ Years Related experience and/or training. - Required.
• Highly proficient with Microsoft Office, especially Excel.
• Familiarity with financial statement analysis.
• Strong verbal, written, interpersonal, and public presentation skills.
• Proven organizational skills; able to work independently and be detail oriented and thorough.
• Ability to work well on a team with different personalities, adjust quickly to various work situations, and remain composed under pressure/in stressful situations.
• Ability to work on multiple transactions simultaneously and prioritize assignments to meet deadlines and manage expectations.

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.

Pay and benefits

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: $52,500.00 USD

Maximum: $90,000.00 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)

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.

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.

• What To 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 to discuss your needs.