Specialist, Small Business & Consumer Loan Operations

Santander Consumer USA Inc.; Southington, Northern (CT, KY); Hybrid; USD 34,000 - 52,000; Full time

Job summary

Santander Consumer USA Inc. in Southington, CT seeks a Specialist, Small Business & Consumer Loan Operations to deliver high-quality, error-free work within required timeframes and ensure compliance with credit policies.

Responsibilities include processing loan instructions, reconciling daily records, responding to customer requests, supporting key projects, and maintaining documentation in accordance with regulatory guidelines.

Qualifications

• Bachelor’s Degree in related field or equivalent demonstrated through work experience, training, military service, or education.
• 0+ years in same or similar role.
• Knowledge of regulatory guidelines (residential mortgage; consumer; commercial).
• Ability to initiate, develop, and implement projects and procedures.
• Basic knowledge of lending procedures and regulations.
• Strong attention to detail and ability to manage multiple tasks.
• Strong interpersonal and written/oral communication skills.
• Ability to understand and interpret compliance regulations.
• Ability to meet deadlines.
• Proficiency in Excel, Word, and PowerPoint.

Responsibilities

• Reviews customer account instructions and ensures proper documentation.
• Verifies accuracy of transaction details for accounts, fees, rates, spreads, and instructions.
• Responds to emails and customer requests fully and promptly.
• Participates in team meetings and implements agreed actions.
• Researches Suspense Account entries to identify unapplied payments.
• Processes loan confirmations and forwards confirmations to customers.
• Supports implementation of key projects and maintains control sheets.
• Escalates any work or environment exceptions to Management.
• Maintains documentation and archiving of records per policy.

Skills

Attention to detail

Regulatory knowledge

Project initiation

Interpersonal skills

Analytical skills

Time management

Compliance knowledge

Customer service

Goal setting

Communication

Education

Bachelor’s Degree in related field

Tools

Excel

Word

PowerPoint

Job description

It Starts Here

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.

The Difference You Make

The Specialist, Small Business & Consumer Loan Operations delivers a good quality, error free work product within the required time frames. The incumbent ensures final product complies fully with the Company's credit policies and operational requirements.

• Reviews customer account instructions to ensure that proper documentation is attached.
• Verifies accuracy of transaction details for account transactions, fees, rates, spreads and instruction.
• Ensures all agreed checks in pre- processing / processing are strictly carried out.
• Ensures emails and customer requests are responded to completely, comprehensively and immediately.
• Participates in team meetings and ensures implementation of agreed action points.
• Researches the unit's Suspense Account entries to determine which entries are unapplied loan payments.
• Processes loan confirmations for loan transactions and remits confirmation to the customer as required.
• Supports implementation of key projects.
• Updates control sheet and reconciles the daily instructions.
• Ensures timely escalation to Management of any exception noticed related to work and environment.
• Ensures timely archival of records with service provider and proper maintenance of inventory of archived records.
• Ensures that new loan instructions have properly executed documentation, signatures and approvals.
• Ensures account maintenance instructions have properly executed documentation, signatures and approvals.

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

• 0+ Years In same or similar role. - Required.
• Knowledge of regulatory guidelines (residential mortgage; consumer; commercial).
• Ability to initiate, develop, and implement projects and procedures.
• Basic knowledge of lending procedures and regulations.
• Ability to handle multiple tasks while maintaining strong attention to detail.
• Strong interpersonal skills (written and oral).
• Demonstrated ability to understand and interpret compliance regulations.
• Ability to deal with customers effectively.Ability to meet deadlines.
• Strong organizational and analytical skills.
• Ability to develop and implement goals and objectives.
• Thorough knowledge
• of a variety of software programs (particularly Excel, Word, and PowerPoint).

Certifications

• No Certifications listed for this job.

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: $33,750.00 USD

Maximum: $52,000.00 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, standingand 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.