Santander US | Senior Commercial Credit Underwriter – Dealer Finance

Responsibilities

• The Senior Underwriter is responsible for managing credit risk and a portfolio of complex multi-dealer groups.
• To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.
• Analysis includes the review of corporate tax returns, as well as dealership financial statements to ascertain borrowers' financial position.
• Manages each annual renewal and/or new business loan requests with the highest sense of urgency, while multi-tasking on multiple proposals.
• Manages the complete end-to-end underwriting process to ensure timely and efficient processing of all annual renewals, modifications, and new business opportunities.
• Analyzes financial statements, balance sheet, income statements, and cash flow of automotive dealerships, including company history, structure, and loan collateral.
• Analyzes collateral, credit, and loan risk.
• Monitors portfolio and reviews up to date financials.
• Reviews loan inquiries and respond to client requests.
• Reviews and manages past due and coming due loan reports.
• Reviews credit memos completed by junior level staff before submission to department manager and senior management.
• Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.
• Interfaces with customers and internal line of business partners to obtain data to complete analysis.

Requirements

• The requirements listed below are representative of the knowledge, skill, and/or ability required.
• Bachelor’s degree in Finance, Accounting, Management, Economics, or a related field, or equivalent work experience.
• 9+ years of experience in accounting, financial analysis, credit structuring and commercial dealership credit 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.
• Proficiency in Microsoft Office 365 Products, including Excel, PowerPoint, Word, Teams, and Outlook.
• Analytical thinking and sound decision-making.
• Strong written and verbal communication skills.
• Ability to manage multiple priorities and meet deadlines.
• Ability to mentor less experienced team members and contribute positively to the team.

Santander US

Santander US is an employer hiring in India (sector: BFSI / Investments / Insurance). In its own words: "Apply for a bank account online with Santander Bank."

Its finance, accounts, audit and tax openings in India are mostly in New York, Miami, Houston and Boston.

• Industry: BFSI / Investments / Insurance