Santander Bank, N.A.
Dealer Commercial Services Underwriting Manager
Santander Bank, N.A., Dallas, Texas, United States, 75215
Underwriting Manager
The Underwriting Manager oversees the underwriting of individual loans and assists in monitoring and controlling loan portfolios for Dealer Commercial Services. The incumbent ensures loans are underwritten and structured in accordance with loan and credit policies, supporting loan production teams. Responsibilities
Ensures loans are in compliance with applicable credit & underwriting policies. Facilitates structuring of loans. Reviews credit approval memos for completeness, accuracy, and detail; provides feedback as appropriate. Provides guidance and support on loan structure to the loan production team. Conducts on‑site inspections as appropriate and coordinates with various vendors. Develops strategies that align with business goals in staffing, optimization, accuracy, credit policy, collections and compliance. Tracks and drives forward key performance metrics around verification of application information, underwriting standards, and consistency with credit policy. Manages, coaches, and trains individual contributors across credit underwriting teams. Manages underwriting operations procedures/processes and exhibits a sense of urgency toward meeting applicant requests while also meeting acceptable risk parameters. Qualifications
Bachelor's degree or equivalent work experience in Finance, Accounting, Management, Economics, or a related field. Master's degree in the same fields is preferred. 9+ years of underwriting experience within a lending organization (online, credit card and/or installment loans preferred). Ability to shift gears at a moment's notice and thrive in a fast‑paced, scaling operations environment. Knowledge of underwriting and experience with all underwriting procedures. Effective presentation and communication skills when responding to groups or managers. Excellent member service skills. Detail‑oriented with above‑average oral, written, and communications skills. Strong analytical abilities and logical problem‑solving skills. Ability to work with mathematical concepts such as profitability, statistical inference, fractions, percentages, ratios, and proportions. Nice to Have
Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education. Experience in Microsoft Office products. Base Pay Range
Minimum: $120,000.00 USD Maximum: $200,000.00 USD Benefits
Link to Santander Benefits – 2025 Santander OnGoing/NH eGuide (provided by Santander). Risk Culture
We embrace a strong risk culture and expect all professionals at all levels 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, standing and walking is required. 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. You may be asked to perform other duties. You may be evaluated in part based on performance of tasks listed. The employer reserves the right to revise this description at any time. This is not a contract for employment and either you or the employer may terminate at any time for any reason. What To Do Next
If this sounds like a role you are interested in, please apply. We are committed to an inclusive and accessible application process. If you require assistance due to a disability or other reason, contact TAOps@santander.us. Location
Primary Location: Dallas, TX Other Locations: Texas‑Dallas Job Details
Seniority level: Mid‑Senior level Employment type: Full‑time Job function: Sales and Business Development Industry: Banking
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The Underwriting Manager oversees the underwriting of individual loans and assists in monitoring and controlling loan portfolios for Dealer Commercial Services. The incumbent ensures loans are underwritten and structured in accordance with loan and credit policies, supporting loan production teams. Responsibilities
Ensures loans are in compliance with applicable credit & underwriting policies. Facilitates structuring of loans. Reviews credit approval memos for completeness, accuracy, and detail; provides feedback as appropriate. Provides guidance and support on loan structure to the loan production team. Conducts on‑site inspections as appropriate and coordinates with various vendors. Develops strategies that align with business goals in staffing, optimization, accuracy, credit policy, collections and compliance. Tracks and drives forward key performance metrics around verification of application information, underwriting standards, and consistency with credit policy. Manages, coaches, and trains individual contributors across credit underwriting teams. Manages underwriting operations procedures/processes and exhibits a sense of urgency toward meeting applicant requests while also meeting acceptable risk parameters. Qualifications
Bachelor's degree or equivalent work experience in Finance, Accounting, Management, Economics, or a related field. Master's degree in the same fields is preferred. 9+ years of underwriting experience within a lending organization (online, credit card and/or installment loans preferred). Ability to shift gears at a moment's notice and thrive in a fast‑paced, scaling operations environment. Knowledge of underwriting and experience with all underwriting procedures. Effective presentation and communication skills when responding to groups or managers. Excellent member service skills. Detail‑oriented with above‑average oral, written, and communications skills. Strong analytical abilities and logical problem‑solving skills. Ability to work with mathematical concepts such as profitability, statistical inference, fractions, percentages, ratios, and proportions. Nice to Have
Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education. Experience in Microsoft Office products. Base Pay Range
Minimum: $120,000.00 USD Maximum: $200,000.00 USD Benefits
Link to Santander Benefits – 2025 Santander OnGoing/NH eGuide (provided by Santander). Risk Culture
We embrace a strong risk culture and expect all professionals at all levels 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, standing and walking is required. 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. You may be asked to perform other duties. You may be evaluated in part based on performance of tasks listed. The employer reserves the right to revise this description at any time. This is not a contract for employment and either you or the employer may terminate at any time for any reason. What To Do Next
If this sounds like a role you are interested in, please apply. We are committed to an inclusive and accessible application process. If you require assistance due to a disability or other reason, contact TAOps@santander.us. Location
Primary Location: Dallas, TX Other Locations: Texas‑Dallas Job Details
Seniority level: Mid‑Senior level Employment type: Full‑time Job function: Sales and Business Development Industry: Banking
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