Home Equity Underwriter Associate — Impactful Loan Analysis

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

Job summary

Santander is seeking a Home Equity Underwriter – Associate in Southington, CT to assess income, assets, and collateral for loan decisions. The role emphasizes thorough analysis, adherence to underwriting standards, and effective communication with borrowers and internal teams.

Requires 5+ years in financial analysis and a Bachelor's degree. You will review tax returns, cash flow and debt ratios, process applications in LOS, and ensure compliance with state and federal regulations.

Qualifications

• 5+ years of financial analysis, structuring, underwriting and portfolio management.
• 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 present information clearly.
• 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, and basic statistical concepts.
• Systems: Encompass - Preferred.
• Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.

Responsibilities

• Underwrites and processes loans meeting department service levels.
• Reviews tax returns, cash flow, debt-ratio calculations, and collateral valuations.
• Analyzes income, assets, liabilities, and property to evaluate risk.
• Communicates with borrowers and internal/external parties to collect information.
• Reviews loan documents and inputs data in LOS.

Skills

Financial analysis

Underwriting

Portfolio management

Analytical skills

Communication skills

Mathematical skills

Encompass (LOS)

Education

Bachelor's degree

Tools

Encompass

Job description

Santander is seeking a Home Equity Underwriter – Associate in Southington, CT to assess income, assets, and collateral for loan decisions. The role emphasizes thorough analysis, adherence to underwriting standards, and effective communication with borrowers and internal teams.

Requires 5+ years in financial analysis and a Bachelor's degree. You will review tax returns, cash flow and debt ratios, process applications in LOS, and ensure compliance with state and federal regulations.