Home Equity Underwriter Associate - Impact & Growth

Santander Group; 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

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.