Dealer Commercial Services Underwriting Manager

Banco Santander Brazil•Dallas, TX

61d

About The Position

Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success. An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You! The Underwriting Manager is responsible for overseeing the underwriting of individual loans and assisting in the monitoring and control of individual loan portfolios for Dealer Commercial Services. In addition, the incumbent is responsible for ensuring the loans are underwritten and structured in accordance with loan and credit policies, as well as supporting the loan production teams.

Requirements

Bachelor's Degree or equivalent work experience: Finance, Accounting, Management, Economics or equivalent field. - Required.
9+ Years Underwriting experience within a lending organization - online, credit card and/or installment loans preferred. - Required.
Ability to shift gears at a moment's notice and enjoy the challenges of scaling up operations in a fast-paced environment is a must.
Knowledge of underwriting and experience with all underwriting procedures.
Ability to effectively present information and respond to questions from groups or managers, members, and general public.
Excellent member service skills.
Detail oriented, common sense decision-making; above average oral, written and communications skills.
Ability to define problems, collect data, establish facts, and draw valid conclusions.
Ability to work with mathematical concepts, such as profitability and statistical inference. Ability to apply concepts, such as fractions, percentages, ratios and proportions, to practical situations.

Nice To Haves

Master's Degree: Finance, Accounting, Management, Economics or equivalent field. - Preferred.
Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.
Experience in Microsoft Office products.

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 loan production team.
Conducts on-site inspections as appropriate and coordinate with various vendors.
Develops strategies that align with business goals in the areas of 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 towards meeting applicant requests while also meeting acceptable risk parameters.