Commercial Auto Dealership Underwriter Santander Consumer, United States of America The Commercial Auto Dealership Underwriter (Sr. Associate, Underwriting & Portfolio Management) focuses on support to Dealer Commercial Service teams. The incumbent provides expertise in underwriting, structuring, servicing and documenting new and renewal credits. In addition, they are responsible for identifying, gathering and analyzing relevant information to assess credit risk, establish viability of sources of repayment and determine appropriate loan structures. Acts as lead underwriter in collaboration with bankers in preparing credit approval memos with recommendations consistent with bank policy that illustrate well-reasoned analysis. The Sr. Associate, Underwriting & Portfolio Management performs servicing reviews and supports management of the assigned portfolio to identify and minimize risk to the organization. Provides quality customer service, including participation in joint calls on customers, as needed. Underwrites risk (i.e., selection/rejection of new and renewal business). Analyzes quality and quantity of risks underwritten and prepares reports accordingly. Administers and monitors underwriting rules and guidelines, rating manual rules, laws and regulations. May review books of business as well as profit/growth results and trends to recommend and implement action plans. Manages and services a portfolio of existing loan relationships. Expands and builds relationships with a high degree of resultant customer satisfaction. Ensures financial statements are spread and analyzed, addressing industry risks, monitoring collateral requirements, loan structuring and pricing, credit analysis, monitoring credit performance and assisting with loan presentations. Handles reporting on loans such as past dues, documentation and collateral exceptions, financial performance updates, portfolio profitability, risk grades, etc. Keeps informed of financial and market trends in the portfolio and analyzes those trends for the effect they will have on the portfolio. Assists in special projects as assigned. Qualifications: Education: Bachelor's Degree in Finance, Accounting, Management, Economics or equivalent field or equivalent work experience required. Master's Degree in Finance, Accounting, Management, Economics or equivalent field preferred. Work Experience: 12 years of Financial analysis, structuring, underwriting and portfolio management within Automotive Dealer Commercial Services. Flexibility to travel up to 25% of the time with the occasional overnight, as required. Skilled in proposing and negotiating and recommending credit and covenant structures Comfortable in customer contact situations including escalations and potential work-out/loan restructure environments Demonstrated practical and conceptual knowledge of credit and risk analysis Demonstrated knowledge in financial modeling and able to structure credit in modeling environment. Able to assist RM's on how to structure the credit relationship Exhibits competency at independently reaching conclusions and forms clear view of credit structure and business risk to organization Solid understanding of industry nuances applicable to the credits contained within the group's portfolio Solid knowledge of loan and related legal documents Strong communication skills, and ability to influence others by persuasively presenting thoughts and ideas to gain commitment and agreement for proposed ideas and solutions Must demonstrate strong judgment and sound credit skills Knowledge of Federal banking regulations 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. 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: Santander Consumer, TX, SCUSA-Remote Office Other Locations: Texas-Santander Consumer,Michigan-Lansing Organization: Santander Bank N.A.