Santander Holdings USA Inc

Identify client needs, provide investment and insurance recommendations, and develop long-term client relationships through phone-based communication. | Bachelor's degree in Finance or related field, 5+ years of investment guidance experience, NASD licenses 6, 63, 7, 65 or 66, and state insurance licenses. | Financial Advisor - Centralized, Newark, NJCountry: United States of America Your Journey Starts Here: 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 Difference You Make: The Centralized Financial Advisor is responsible for identifying needs, understanding client objectives, and making appropriate investment/insurance recommendations consistent with compliance standards to achieve sales results and long-term client satisfaction by telephone communications from a variety of lead generation sources. • Achieve and exceed both individual and branch related sales and revenue goals as defined on a quarterly basis. • Maintain compliance with all applicable bank, broker/dealer, State and Federal regulations associated with the sale of investment and insurance products including Santander Policy Statement governing the sale of uninsured products. • When appropriate, provide leads to branch personnel for the sale of other bank products and services such as deposit accounts and loans. • Attend and actively participate in sales meetings, training initiatives, and planning sessions related to the development and growth of the program. • Develop and execute quarterly business development plans in accordance with sales management's objectives surrounding the marketing and promotion of investment products and services. • Maintain records, master operational procedures, and provide sales and activity reports per management's request in a timely and efficient manner. • Create strong internal and external relationships in an effort to develop referral sources and meet appointment objectives. • Maintain required professional training and license requirements, including knowledge of FINRA compliance, FDIC compliance, the Bank's uninsured Products Policy Statement and all applicable state and federal regulations. • Provide active mentoring and coaching to all Licensed Bank Employees (LBEs) assigned within your branch territory. • Hold frequent client appointments, seminars and branch training sessions in an effort to secure long-term client relationships and provide sales leadership to internal business partners regarding investment and insurance products. 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. Bachelor's Degree or equivalent work experience: Finance, Economics, Management Information Systems, Statistics or equivalent field - Required. Master's Degree Finance, Economics, Management Information Systems, Statistics or equivalent field - Preferred. 5+ Years Experience providing investment guidance and advice to clients - Required. 5+ Years Demonstrate a superior record of sales achievement while maintaining high ethical standards - Required. • Very strong interpersonal communication skills, complemented by both excellent verbal and written communication. • Superior knowledge of financial analysis, risk evaluation, loan documentation. • Motivating, developing, and directing people as they work, identifying the best people for the job. • Strong relationship management and negotiation skills via a phone channel. • Ability of using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems. • Attention to detail, being careful about detail and thorough in completing work tasks. • Strong social orientation, preferring to work with others rather than alone, and being personally connected with others on the job. • Demonstrated proficiency with Microsoft Office applications. Certifications: • NASD licenses 6, 63, 7, 65 or 66 - Required. • Appropriate state insurance licenses - Required. 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: $56,250.00 USD Maximum: $102,500.00 USD Link to Santander Benefits: 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 to discuss your needs. Primary Location: Newark, NJ, Newark NJ Other Locations: New Jersey-Newark Organization: Santander Bank N.A. Financial Advisor - Centralized, Newark, NJCountry: United States of America Your Journey Starts Here: 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 Difference You Make: The Centralized Financial Advisor is responsible for identifying needs, understanding client objectives, and making appropriate investment/insurance recommendations consistent with compliance standards to achieve sales results and long-term client satisfaction by telephone communications from a variety of lead generation sources. • Achieve and exceed both individual and branch related sales and revenue goals as defined on a quarterly basis. • Maintain compliance with all applicable bank, broker/dealer, State and Federal regulations associated with the sale of investment and insurance products including Santander Policy Statement governing the sale of uninsured products. • When appropriate, provide leads to branch personnel for the sale of other bank products and services such as deposit accounts and loans. • Attend and actively participate in sales meetings, training initiatives, and planning sessions related to the development and growth of the program. • Develop and execute quarterly business development plans in accordance with sales management's objectives surrounding the marketing and promotion of investment products and services. • Maintain records, master operational procedures, and provide sales and activity reports per management's request in a timely and efficient manner. • Create strong internal and external relationships in an effort to develop referral sources and meet appointment objectives. • Maintain required professional training and license requirements, including knowledge of FINRA compliance, FDIC compliance, the Bank's uninsured Products Policy Statement and all applicable state and federal regulations. • Provide active mentoring and coaching to all Licensed Bank Employees (LBEs) assigned within your branch territory. • Hold frequent client appointments, seminars and branch training sessions in an effort to secure long-term client relationships and provide sales leadership to internal business partners regarding investment and insurance products. 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. Bachelor's Degree or equivalent work experience: Finance, Economics, Management Information Systems, Statistics or equivalent field - Required. Master's Degree Finance, Economics, Management Information Systems, Statistics or equivalent field - Preferred. 5+ Years Experience providing investment guidance and advice to clients - Required. 5+ Years Demonstrate a superior record of sales achievement while maintaining high ethical standards - Required. • Very strong interpersonal communication skills, complemented by both excellent verbal and written communication. • Superior knowledge of financial analysis, risk evaluation, loan documentation. • Motivating, developing, and directing people as they work, identifying the best people for the job. • Strong relationship management and negotiation skills via a phone channel. • Ability of using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems. • Attention to detail, being careful about detail and thorough in completing work tasks. • Strong social orientation, preferring to work with others rather than alone, and being personally connected with others on the job. • Demonstrated proficiency with Microsoft Office applications. Certifications: • NASD licenses 6, 63, 7, 65 or 66 - Required. • Appropriate state insurance licenses - Required. 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: $56,250.00 USD Maximum: $102,500.00 USD Link to Santander Benefits: 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 to discuss your needs. Primary Location: Newark, NJ, Newark NJ Other Locations: New Jersey-Newark Organization: Santander Bank N.A.

Assess and manage credit risk for commercial dealer portfolios by evaluating applications, analyzing financial data, and ensuring compliance. | Minimum 5 years commercial underwriting experience, strong analytical and communication skills, knowledge of credit risk and regulatory compliance. | Job Title: Dealer Commercial Services Senior Underwriter Company Overview: Santander Holdings USA Inc is a leading financial services company committed to innovation and excellence. With a global presence, we focus on delivering superior financial solutions while fostering a supportive and growth-oriented work environment for our employees. Role Overview: As a Dealer Commercial Services Senior Underwriter, you will play a critical role in assessing and managing credit risk for commercial dealer portfolios. Your expertise will ensure sound underwriting decisions that support business growth while maintaining risk standards. What You'll Do: - You will evaluate credit applications and financial information to determine risk and creditworthiness. - You will collaborate with dealers and internal teams to gather necessary documentation and clarify credit terms. - You will analyze market trends and financial data to inform underwriting decisions. - You will prepare detailed credit reports and recommendations for approval. - You will monitor existing accounts to identify potential risks and recommend appropriate actions. - You will ensure compliance with company policies and regulatory requirements. - You will mentor junior underwriters and contribute to process improvements. What You Bring: - You have 5+ years of experience in commercial underwriting, preferably in dealer services. - You possess strong analytical skills with proficiency in financial statement analysis. - You have excellent communication and negotiation skills. - You are knowledgeable about credit risk assessment and regulatory compliance. - You are detail-oriented with the ability to manage multiple priorities effectively. Bonus Points If You Have: - Experience with automotive dealer financing. - Familiarity with credit scoring models and underwriting software. - A professional certification such as CPCU or similar. - Experience working in a fast-paced financial services environment. What We Offer: - We offer competitive salary and comprehensive benefits including health, dental, and vision insurance. - We offer opportunities for professional development and career advancement. - We offer a collaborative and inclusive workplace culture. - We offer flexible work arrangements to support work-life balance. - We offer employee wellness programs and financial planning resources. Ready to Apply? Please submit your resume and cover letter through our careers portal at Santander Holdings USA Inc website. We look forward to reviewing your application and potentially welcoming you to our team.

Assess and manage credit risk for commercial dealer portfolios, collaborate with dealers and internal teams, ensure compliance, mentor junior underwriters, and improve underwriting processes. | Minimum 5 years experience in commercial underwriting, strong analytical and communication skills, knowledge of credit risk and regulatory compliance, ability to work independently and in teams. | Job Title: Dealer Commercial Services Senior Underwriter Company Overview: Santander Holdings USA Inc is a leading financial services company committed to innovation and excellence. With a global presence, we focus on delivering superior financial solutions while fostering a supportive and empowering work environment for our employees. Role Overview: As a Dealer Commercial Services Senior Underwriter, you will play a critical role in assessing and managing credit risk for commercial dealer portfolios. Your expertise will help ensure sound underwriting decisions that support business growth and maintain portfolio quality. What You'll Do: - You will evaluate credit applications and financial information to determine risk and creditworthiness. - You will collaborate with dealers and internal teams to structure appropriate financing solutions. - You will analyze market trends and portfolio performance to inform underwriting strategies. - You will ensure compliance with company policies and regulatory requirements. - You will mentor junior underwriters and provide guidance on complex cases. - You will prepare detailed reports and documentation to support underwriting decisions. - You will participate in continuous improvement initiatives to enhance underwriting processes. What You Bring: - You bring at least 5 years of experience in commercial underwriting, preferably in the automotive or dealer finance sector. - You have strong analytical skills and proficiency in financial statement analysis. - You possess excellent communication and negotiation skills. - You are knowledgeable about credit risk assessment and regulatory compliance. - You have the ability to work independently and as part of a team. Bonus Points If You Have: - Experience with dealer commercial services or automotive finance. - Familiarity with credit scoring models and underwriting software. - Advanced certifications in underwriting or risk management. - Proven leadership experience in mentoring or managing underwriting teams. What We Offer: - We offer competitive salary and comprehensive benefits packages. - We offer opportunities for professional development and career advancement. - We offer a collaborative and inclusive work culture. - We offer flexible work arrangements to support work-life balance. - We offer access to cutting-edge tools and technology. Ready to Apply? Please submit your resume and cover letter through our careers portal at Santander Holdings USA Inc. We look forward to learning how you can contribute to our team and help drive our continued success.