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About the Role

The Syndication Underwriter - Auto Finance 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.

Responsibilities

Handles data input, verification of covenant compliance and borrowing bases, reporting, servicing.
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.

Requirements

Familiarity with syndicated loan documentation.
Ability to manage multiple transactions simultaneously in a deadline-driven environment.
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.

Skills

Financial analysis
Credit underwriting
Loan structuring
Portfolio management
Syndicated lending
Commercial lending
Corporate banking
Auto finance
Financial statement analysis
Risk assessment
Credit evaluation
Communication
Relationship management
Presentation skills
Analytical skills
Problem-solving
Organization
Time management
Financial calculations

Location

Remote
Dallas

Work Type

Remote
Onsite

Experience Level

5+ years of experience in financial analysis, credit underwriting, loan structuring, and portfolio management.
Previous experience underwriting syndicated lending relationships strongly preferred.
Experience in commercial lending, corporate banking, or auto finance preferred.

Education Level

Bachelor's degree in Finance, Accounting, Business, Economics, or a related field, or equivalent combination of education and experience.

Salary/Compensations

$65,625.00 USD
$107,500.00 USD

Benefits

Fair and competitive rewards package
Benefits designed to support you, your family and your well-being

About the Company

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.

Equal Opportunity

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.