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Underwriter - Commercial Auto Dealerships

Company: Santander Holdings USA Inc
Location: Miami
Posted on: May 21, 2020

Job Description:

Underwriter - Commercial Auto Dealerships-2001355DescriptionSantander's Commercial Banking Division is an active provider of capital, treasury management and risk management solutions to thousands of small and mid-sized companies in the northeast and across the country. We also have expertise and provide service to specific industry sectors including real estate, asset based lending, energy, education, health care and government. Our clients rely on the strength of Santander's balance sheet and the degree to which our relationship managers understand their businesses in order to develop the most relevant and compelling solutions. In addition, Santander's significant international presence in regions around the world uniquely positions us to help companies grow their business, both near and far.SummaryThe Commercial Auto Dealership underwriter 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. S/he reviews 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.Duties & ResponsibilitiesAnalyzes collateral, credit and loan risk related to commercial loans to auto dealershipsCommunicates 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 statedManage pending applications within Loan Origination System (LOS) queues as directedConducts credit analysis on each loan application including review of tax returns, cash flow analysis, debt-ratio calculations, credit-scoring and collateral valuationsHandles data input, reporting, servicingReceives and reviews incoming loan application requests and supporting documentation delivered through managed electronic lending portals, queues or other avenues of receiptReviews mortgage applications, loan documents and creditUnderwrites and processes loans depending on department need to meet stated service levelsUtilizes department policies & guidelines, in addition to cognitive thinking, to build profitable, performing secured and unsecured loans#LI-DM1At Santander, we value and respect differences in our workforce and strive to increase the diversity of our teams. We actively encourage everyone to apply.QualificationsBachelor's Degree in Finance, Accounting, Management, Economics or equivalent field9+ years of current, hands-on, Commercial Auto Dealership underwriting experience is mandatory (residential mortgage, commercial real estate, consumer auto experience or any other non-Commercial Auto Dealership underwriting experience will not be considered) Ability to apply concepts, such as fractions, percentages, ratios and proportions, to practical situationsAbility to define problems, collect data, establish facts, and draw valid conclusionsAbility to effectively present information and respond to questions from groups or managers, members, and general publicAbility to work with mathematical concepts, such as profitability and statistical inferenceCapacity to complete projects on timeDetail oriented, common sense decision-makingAbove average oral, written and communications skillsOrganized and self sufficientJob:UnderwritingPrimary Location:Texas-Dallas-1601 Elm Street - 02302 - DallasOther Locations:Massachusetts-Boston-75 State Street - 06366 - State Street-Corp, New Jersey-Florham Park-200 Park Avenue - 06400 - Florham Park, New York-Melville-3 Huntington Quadrangle - 06471 - Melville, New York-New York-200 Liberty Street - 06488 - Liberty Street, Florida-Miami-1401 Brickell Avenue - 06660 - MiamiOrganization:CRE & MultiFamily (4701)Schedule:Full-timeJob Posting:May 8, 2020, 6:37:39 PMSDL2017

Keywords: Santander Holdings USA Inc, Miami , Underwriter - Commercial Auto Dealerships, Accounting, Auditing , Miami, Florida

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