Home Equity Underwriter - Associate

Santander; Southington (CT); On-site; USD 66,000 - 108,000; Full time

Job summary

Santander Group is seeking an Associate, Home Equity Underwriter in Southington, CT. You will underwrite loans by reviewing income, assets, liabilities, and property, ensuring risk is aligned with underwriting standards and regulatory requirements.

Strong analytical skills and attention to detail are essential. Ideal candidates have 5+ years in financial analysis/underwriting and experience with loan documentation, tax returns, and cash flow analysis.

Qualifications

• 5+ years of financial analysis, underwriting and portfolio management experience.
• Strong knowledge of underwriting procedures and practices.
• Excellent member service and communication skills.
• Detail-oriented with sound judgment and decision-making skills.
• Strong analytical and problem-solving skills.
• Proficiency with mathematics including profitability, ratios and basic statistics.
• Experience with Encompass is preferred.

Responsibilities

• Underwrites safe and sound loans through income, asset, liability review.
• Analyzes tax returns, cash flow, debt ratios and collateral valuations.
• Communicates with borrowers and internal/external parties to gather necessary information.
• Manages loan applications in LOS and reviews loan documents.
• Ensures compliance with underwriting standards and applicable laws.

Skills

Financial analysis

Underwriting

Portfolio management

Education

Bachelor's degree in related field

Tools

Encompass

Job description

## Home Equity Underwriter - AssociateCandidatar-se: CT Southington: Tempo Integral: Publicado hoje: Req1627421Home Equity Underwriter - AssociateCountry: Estados Unidos da América**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 Associate, Underwriting underwrites safe and sound loans in an expedient manner through a review process of analyzing and evaluating income, assets, liabilities, and property. The incumbent carefully assesses and evaluates the risk of financing requests within the framework of the organization's credit culture and current economic and industry trends. They review self-employed, corporate and partnership tax returns, profit and loss, as well as financial statements to ascertain borrowers' income; ensures loans are in compliance with the organization's underwriting standards and all applicable state and federal laws, rules and regulations. * Receives and reviews incoming loan application requests and supporting documentation delivered through managed electronic lending portals, queues or other avenues of receipt.* Underwrites and processes loans depending on department need to meet stated service levels.* Utilizes department policies & guidelines, in addition to cognitive thinking, to build profitable, performing secured and unsecured loans.* Conducts credit analysis on each loan applications including review of tax returns (personal and business), cash flow analysis, debt-ratio calculations, credit-scoring and collateral valuations.* Communicates with internal and external parties to ensure all appropriate information has been received from borrowers to best evaluate loan requests and ability to repay as stated.* Manages pending applications within Loan Origination System (LOS) queues as directed.* Reviews applications and credit.* Analyzes collateral, credit and loan risk.* Reviews loan documents.* Handles data input, reporting, servicing. **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.**Education:*** Bachelor’s Degree: in related field or equivalent demonstrated through a combination of work experience, training, military service, or education - Required**Qualifications:*** 5+ Years Financial analysis, structuring, underwriting and portfolio management. - Required.* Organized, self-sufficient, and able to complete projects on time.* Strong knowledge of underwriting procedures and practices.* Excellent member service and communication skills, with the ability to effectively present information and respond to questions from members, managers, and the general public.* Detail-oriented with sound judgment and decision-making skills.* Strong analytical and problem-solving skills, including the ability to gather information, establish facts, and draw valid conclusions.* Strong mathematical skills, including profitability, percentages, ratios, proportions, and basic statistical concepts.* Systems: Encompass - Preferred.**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.**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:$65,625.00 USDMaximum:$107,500.00 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.**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 [e-mail] to discuss your needs.**The Santander Way** O Santander está evoluindo de uma marca global de grande impacto para uma organização movida por tecnologia. E as nossas pessoas são o coração dessa evolução. Juntos, lideramos uma transformação centrada no cliente, que incentiva a inovação, o pensamento ousado e a coragem de ir além do convencional, desafiando os limites do possível. Isso é mais do que uma mudança estratégica. É uma oportunidade para profissionais que querem crescer, aprender continuamente e fazer a diferença. Nossa missão é contribuir para que cada vez mais pessoas e empresas prosperem. Para isso, cultivamos uma sólida cultura de gestão de riscos e esperamos que todos os nossos profissionais, independentemente do nível em que atuam, adotem uma postura proativa e responsável na identificação, avaliação e gestão dos riscos.Pronto(a) para fazer acontecer? **Começa com você. Começa agora.**