Senior Dealer Credit Underwriter – Drive Financing Impact

Banco Santander SA

Dallas (TX)

Hybrid

USD 86,000 - 145,000

Full time

14 days+

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Job summary

Banco Santander USA is seeking a Senior Commercial Credit Underwriter for Dealer Finance to manage credit risk across a portfolio of complex dealer groups and underwrite loans by analyzing dealer financial statements and cash flow. The role emphasizes timely processing, adherence to underwriting standards, and collaboration with internal partners.

The candidate will review tax returns and dealership finances, monitor portfolio health, and prepare concise credit proposals while navigating

Qualifications

Bachelor’s degree in Finance, Accounting, Management, Economics, or related field – Required.
9+ years of experience in accounting, financial analysis, credit structuring and commercial dealership credit underwriting – Required.
Experience evaluating credit risk, loan collateral, borrower financials, and lending requests within a commercial banking environment – Required.
Experience managing multiple priorities and complex files simultaneously in a fast-paced, team-oriented environment – Required.
Experience preparing reports, proposals, or credit findings with a high level of accuracy and attention to detail – Required.

Responsibilities

Manage credit risk and a portfolio of complex multi-dealer groups.
Underwrite loans through analysis of dealer financial statements and cash flow.
Assess risk within underwriting standards and banking regulations.
Independently underwrite and prepare accurate proposals or modifications.
Oversee annual renewals, modifications, and new business opportunities with urgency.
Review loan documents and credit memos before submission.