Dealer Commercial Services - Underwriter/Portfolio Manager TX
Company: Santander Holdings USA Inc
Posted on: February 12, 2024
Dealer Commercial Services - Underwriter/Portfolio
ManagerDallas, United States of AmericaThe Underwriter will be
responsible for managing credit risk by reviewing and properly
weighing all aspects of more complex applications. The incumbent is
a key resource for underwriters and loan originators.
Job Family Description:
Reviews, analyzes and evaluates risks in order to renew existing
business or generate new accounts. Determines appropriate terms and
conditions for coverages and rates for program profitability.
Contributes to the profitable growth of specific program(s) by
maintaining pricing integrity, product excellence, and the
development of meaningful performance metrics and controls.
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.
Underwrites commercial loans to auto dealerships by analyzing
business history, financials, and loan collateral.
Maintains loan relationship with a variety of customers by
structuring and discussing recommended best loan plan.
Monitors department portfolio with having all financials up to date
and ensuring portfolio.
Reviews loan inquiries and responds to client requests in case
manager is absent.
Reviews credit memos completed by junior level staff before
submission to department manager and senior mgmt. and sr.
Reviews past due report and notes coming due.
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
Bachelor's Degree or equivalent work experience in Finance,
Accounting, Management, Economics or equivalent field. (Req)
Financial analysis, structuring, underwriting and portfolio
management., 9-12 years (Req)
Skills and Abilities:
Experience underwriting commercial auto dealership
Commitment to excellent customer service responds promptly to
customer needs, professional interacts with customer.
Extensive decision-making and analytical skills to evaluate
information, determine risks, and consider the benefits.
Communication skills, responds well to questions and demonstrates
comfort with group presentations.
Proficient knowledge of Microsoft Word, Microsoft Excel, and
Categorical understanding of the lending process.
Capable of preparing findings reports.
Ability to handle multiple files simultaneously.
Ability to provide leadership in the market by being a positive
contributor to the team including: being a mentor to less
experienced team members and embracing change.
Takes initiative on projects and assignments, seeks alternate
solutions when necessary.
Diversity & EEO Statements:
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.
Frequent Minimal physical effort such as sitting, standing and
walking. Occasional moving and lifting equipment and furniture is
required to support onsite and offsite meeting setup and teardown.
Physically capable of lifting up to fifty pounds, able to bend,
kneel, climb ladders.
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: Dallas, TX, Dallas
Other Locations: Texas-Dallas
Organization: Santander Bank N.A.
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Keywords: Santander Holdings USA Inc, Dallas , Dealer Commercial Services - Underwriter/Portfolio Manager TX, Executive , Dallas, Texas
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