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QC Credit Reviewer – Auto Dealership Commercial Services

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.

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The Difference You Make: The QC Credit Reviewer operates within the First Line of Defense and supports the Auto Dealership Commercial Services (DCS) Portfolio. This role combines business control responsibilities with underwriting expertise to independently assess the quality of credit execution and portfolio risk. The incumbent champions the Business Control mandate as a critical business partner while also applying deep credit skills to test, validate, and challenge underwriting practices. This includes reviewing judgmental and complex aspects of credit decisions, ensuring risk ratings are appropriately supported, and providing actionable feedback to strengthen the control environment and improve portfolio quality.

Key accountabilities include:

• Risk Culture & Credit QC: Ensure the DCS business line adheres to risk frameworks, standard and procedures. Actively identify potential credit weaknesses, challenge underwriting assumptions, and recommend corrective actions.
• Underwriting & Credit Review: Provide expert evaluation of credit memos, financial spreads, and projections to confirm adequacy of analysis and viability of repayment sources. Validate model inputs, risk ratings, and covenant compliance, particularly for credits with heightened repayment risk.
• Continuous Monitoring: Monitor DCS portfolio for emerging risks including revenue/EBITDA pressure, covenant breaches, or thematic weaknesses. Assess and escalate credit issues promptly to maintain portfolio within risk appetite.
• Issue Identification & Root Cause Analysis: Identify thematic trends, systemic weaknesses, or recurring issues in DCS underwriting. Support remediation plans and provide recommendations to enhance the control environment and improve credit execution consistency.
• Communication & Reporting: Prepare high-quality review reports and communicate results to key stakeholders, including senior management and governance bodies, ensuring timely dissemination of findings and escalations.
• Collaboration & Exam Management: Liaise with Underwriters, Portfolio Managers, Internal Audit, and Credit Risk Review. Provide exam support, validate BU responses, and confirm remediation actions are sufficient and sustainable.

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, Economics, Risk Management, or related field – Required. Master's Degree – Preferred.

Experience: 9+ years of credit, underwriting, credit QC, risk management, internal controls, and/or audit experience – Required. Prior experience underwriting commercial credits, preferably in auto/dealer portfolios – Required.

Skills & Abilities: Demonstrated expertise in credit underwriting, structuring, and portfolio monitoring. Strong understanding of credit practices, including stress testing, covenant monitoring, and portfolio risk identification. Ability to validate and, where necessary, adjust risk ratings; skilled in identifying potential credit weaknesses that may jeopardize repayment. Strong working knowledge of bank credit policies, DCS Standards, and regulatory expectations. Ability to analyze financial statements, projections, and adjustments with sound judgment on their adequacy and reasonableness. Proven ability to identify thematic risks and provide well-reasoned recommendations to mitigate portfolio risk. Excellent written and verbal communication skills with ability to influence and challenge stakeholders constructively. Strong project management skills and ability to handle multiple reviews with minimal oversight.

Certifications: Risk or Credit Certification - Preferred. It Would Be Nice For You To Have: Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.

What Else You Need To Know: The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications, and location.

Base Pay Range: Minimum: $86,250.00 USD Maximum: $155,000.00 USD

Risk Culture: We embrace a strong risk culture and all of our professionals at all levels are expected 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 for this role. 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 of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason.

What To Do Next: If this sounds like a role you are interested in, then please apply. We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at TAOps@santander.us to discuss your needs.