Dealer Commercial Services Underwriting Manager

Company: Santander Holdings USA Inc
Location: Dallas
Posted on: December 1, 2025

Job Description:

Dealer Commercial Services Underwriting Manager Country: United States of America Your Journey Starts Here: Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! The Difference You Make: The Underwriting Manager is responsible for overseeing the underwriting of individual loans and assisting in the monitoring and control of individual loan portfolios for Dealer Commercial Services. In addition, the incumbent is responsible for ensuring the loans are underwritten and structured in accordance with loan and credit policies, as well as supporting the loan production teams. - Ensures loans are in compliance with applicable credit & underwriting policies. - Facilitates structuring of loans. - Reviews credit approval memos for completeness, accuracy, and detail. Provides feedback as appropriate. - Provides guidance and support on loan structure to loan production team. - Conducts on-site inspections as appropriate and coordinate with various vendors. - Develops strategies that align with business goals in the areas of staffing, optimization, accuracy, credit policy, collections and compliance. - Tracks and drives forward key performance metrics around verification of application information, underwriting standards, and consistency with credit policy. - Manages, coaches, and trains individual contributors across credit underwriting teams. - Manages underwriting operations procedures/ processes and exhibits a sense of urgency towards meeting applicant requests while also meeting acceptable risk parameters. 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. - Bachelor's Degree or equivalent work experience: Finance, Accounting, Management, Economics or equivalent field. - Required. - Master's Degree: Finance, Accounting, Management, Economics or equivalent field. - Preferred. - 9 Years Underwriting experience within a lending organization - online, credit card and/or installment loans preferred. - Required. - Ability to shift gears at a moment's notice and enjoy the challenges of scaling up operations in a fast-paced environment is a must. - Knowledge of underwriting and experience with all underwriting procedures. - Ability to effectively present information and respond to questions from groups or managers, members, and general public. - Excellent member service skills. - Detail oriented, common sense decision-making; above average oral, written and communications skills. - Ability to define problems, collect data, establish facts, and draw valid conclusions. - Ability to work with mathematical concepts, such as profitability and statistical inference. Ability to apply concepts, such as fractions, percentages, ratios and proportions, to practical situations. 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. - Experience in Microsoft Office products. 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: $120,000.00 USD Maximum: $200,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 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. 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. 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 TAOps@santander.us to discuss your needs. Primary Location: Dallas, TX, Dallas Other Locations: Texas-Dallas Organization: Santander Bank N.A.

Keywords: Santander Holdings USA Inc, Dallas , Dealer Commercial Services Underwriting Manager, Accounting, Auditing , Dallas, Texas