Overview

It Starts Here: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.If you are interested in exploring the possibilities We Want to Talk to You!Syndication Underwriter - Auto FinanceIdeal Candidate Will Have:Previous experience underwriting syndicated relationships - Strongly preferred.Handles data input, verification of covenant compliance and borrowing bases, reporting, servicing.Familiarity with syndicated loan documentation.Ability to manage multiple transactions simultaneously in a deadline-driven environment.The Difference You Make: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.Key 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.What You Bring:To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.Education:Bachelor's degree in Finance, Accounting, Business, Economics, or a related field, or equivalent combination of education and experience.Experience: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.Qualifications: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 present