Syndication Underwriter - Remote or Dallas Corporate
About The Position
The Syndication Underwriter - Auto Finance (Senior Specialist) evaluates, structures, and underwrites large financing transactions for automotive dealerships and auto loan portfolios. This role assesses borrower creditworthiness, collateral, and overall risk to support sound lending decisions. The incumbent structures financing solutions, establishes loan terms, monitors portfolio performance, ensures compliance with underwriting standards, and collaborates with lending partners to syndicate credit facilities and effectively manage financial exposure. Through detailed financial analysis and risk assessment, this role helps deliver profitable, well-performing lending relationships while maintaining the organization's credit quality and risk objectives.
Requirements
- Bachelor's degree in Finance, Accounting, Business, Economics, or a related field, or equivalent combination of education and experience.
- 5+ years of experience in financial analysis, credit underwriting, loan structuring, and portfolio management.
- Strong knowledge of underwriting principles, financial statement analysis, risk assessment, and credit evaluation.
- Ability to analyze complex financial information and draw sound credit conclusions.
- Strong communication, relationship management, and presentation skills.
- Detail-oriented with strong analytical and problem-solving abilities.
- Self-motivated, organized, and able to manage multiple priorities effectively.
- Proficiency with financial calculations, including profitability, ratios, debt-service coverage, and cash flow analysis.
Nice To Haves
- Previous experience underwriting syndicated relationships – Strongly preferred.
- Familiarity with syndicated loan documentation.
- Experience in commercial lending, corporate banking, or auto finance preferred.
- Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.
Responsibilities
- Receive, review, underwrite, and process loan applications and supporting documentation.
- Analyze financial statements, tax returns, cash flow, assets, liabilities, collateral, and credit data to assess risk and repayment capacity.
- Evaluate dealership groups, commercial borrowers, and loan portfolios for creditworthiness.
- Structure financing transactions, including pricing, interest rates, loan terms, and covenants.
- Recommend lending decisions on secured and unsecured credit facilities.
- Conduct debt service, cash flow, collateral, and credit risk analysis.
- Ensure loans comply with internal underwriting policies and applicable regulatory requirements.
- Communicate with borrowers, relationship managers, and internal stakeholders to obtain and evaluate required information.
- Manage pending applications and workflow within the Loan Origination System (LOS).
- Review loan documents, covenant compliance, borrowing bases, servicing activities, and reporting requirements.
- Monitor borrower and portfolio performance and identify emerging credit risks.
- Coordinate with banks and lending partners to syndicate credit facilities and distribute risk exposure.
- Support relationships with clients, lenders, and internal business partners.
Benefits
- Fair and competitive rewards package
- Benefits designed to support you, your family and your well-being, now and into the future.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
