Dealer Commercial Services Underwriter Country: United States of America 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! The Difference You Make: The Dealer Commercial Services Underwriter is responsible for evaluating and managing credit risk for dealership floorplan, revolving, term, and real estate financing. Other duties include monitoring dealer performance and audits, approving and adjusting credit lines based on trends, detecting and investigating high-risk activity or fraud, complying with lending policies and internal guidelines, and recommending risk mitigation strategies or corrective action for underperforming accounts. Position Summary - Independently underwrite, structure, and prepare clear, accurate credit proposals, renewals, and modifications for credit committee approval. - Analyze complex financial statements, including balance sheets, income statements, cash flow, business history, ownership structure, and loan collateral for automotive dealerships. - Manage the full end-to-end underwriting process for new business, annual renewals, and loan modifications to ensure timely, efficient execution. - Monitor assigned portfolio performance by obtaining, reviewing, and analyzing up-to-date financial information and risk indicators. - Review loan inquiries and respond promptly to client and internal partner requests with well-supported credit recommendations. - Collaborate directly with customers and internal line of business partners to gather required data and clarify financial or structural considerations. - Manage multiple underwriting assignments simultaneously while meeting deadlines and maintaining a high level of accuracy. - Review and proactively manage past-due and upcoming loan maturities to support portfolio quality and risk mitigation. 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, Management, Economics, or a related field, or equivalent work experience – Required. Experience - 5+ years of experience in accounting, financial analysis, credit structuring and commercial underwriting – Required. - 5+ years of commercial portfolio management – Preferred. Skills - Financial statement analysis, including balance sheet, income statement, and cash flow evaluation. - Credit underwriting, structuring, and risk assessment for complex commercial relationships. - Portfolio monitoring and credit file management. - Preparation of clear, well-documented credit and findings reports. - Working knowledge of commercial lending processes and credit policies. - Strong analytical and decision-making skills with the ability to assess risk and evaluate trade-offs. - Excellent written and verbal communication skills, including comfort presenting to groups. - High attention to detail with strong organizational and time-management capabilities. - Ability to manage multiple priorities simultaneously in a fast-paced, team-oriented environment. - Customer-focused mindset with a commitment to responsiveness and professional interaction. - Self-starter who takes initiative, adapts to change, and seeks alternative solutions when needed. Certifications: No Certifications listed for this job. 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: $65,625.00 USDMaximum: $107,500.00 USD We Value Your Impact: Your contribution matters and it’s recognized. You can expect a fair and competitive rewards package that reflects the impact you create and the value you deliver. We know rewards go beyond numbers. Offering more than just a paycheck our benefits are designed to support you, your family and your well-being, now and into the future. Santander Benefits - 2026 Santander OnGoing/NH eGuide (foleon.com) 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.

About Us At Selective, we don't just insure uniquely, we employ uniqueness. Selective is a midsized U.S. domestic property and casualty insurance company with a history of strong, consistent financial performance for nearly 100 years. Selective's unique position as both a leading insurance group and an employer of choice is recognized in a wide variety of awards and honors, including listing in Forbes Best Midsize Employers in 2025 and certification as a Great Place to Work® in 2025 for the sixth consecutive year. Employees are empowered and encouraged to Be Uniquely You by being their true, unique selves and contributing their diverse talents, experiences, and perspectives to our shared success. Together, we are a high-performing team working to serve our customers responsibly by helping to mitigate loss, keep them safe, and restore their lives and businesses after an insured loss occurs. Overview Serves as a liaison between the company and agents and acts as a relationship manager for our agents, regional underwriting team and corporate departments. May work with agents in unsupported territories with a focus on key agent new business submission activity and/or with agents who prefer digital interaction. Serves as a backup for open territories as needed for both AMS and Small Business Underwriters. Assess the strengths and weaknesses of agents and assists them in achieving a mutual goal of profitable growth in both volume and policy count. Ensures that agents are familiar with and use Selective’s initiatives, products, policies, procedures, and services. Position is primarily inside-office based with primary contact via phone and email. May travel occasionally to meet with key agency partners. All job duties and responsibilities must be carried out in compliance with applicable legal and regulatory requirements. Responsibilities - Works with agents to write new profitable business and achieve agency goals. Ensures continuity when vacancies occur and ensures a high level of satisfaction and agency support. Assist busy AMS with overflow. - May market and underwrite small business and large accounts according to acceptable underwriting criteria, proper classification, and adherence to company underwriting standards and philosophy. - Makes consistent underwriting decisions, adheres to company pricing philosophies, and promotes ease of doing business with Selective. Provides excellent communication and service via digital technology. - Monitors agency results and follows up with agent on new business opportunities, growth/profitability/share of wallet and compliance with company’s initiatives, procedures, and policies. Provides leadership in finding solutions to problems and ways to exploit opportunities. - Develop professional working relationship with agent, regional underwriting, claim teams, and corporate departments. - Keeps two-way communication between agent and company continuously open and viable and encourages agent usage of all Selective systems, including CLAS, PLUS and e-Select. - Keeps abreast of industry developments, new ideas, products, or changes in other carrier philosophies that could positively or adversely affect Selective. - May assist with other needs within the region, such as assisting with book roll opportunities or with coverage on the small business or large accounts underwriting teams. - May be responsible for limited automobile travel to assigned agents. Car travel may represent 5% of employees’ time. Qualifications Knowledge and Requirements - Highly developed marketing skills. Entrepreneurial and hands-on approach. - Demonstrated superior communication, negotiation & presentation skills. - Must be a high achiever with superior organizational skills who is self-motivated, pro-active, flexible, and able to work independently. - Must be able to maximize technology to ensure high productivity (must be proficient with Microsoft Word, Excel, PowerPoint and all internal business-related software). - Strong focus on results. - Must have valid state-issued driver’s license in good standing and be able to drive an automobile. Total Rewards Selective Insurance offers a total rewards package that includes a competitive base salary, incentive plan eligibility at all levels, and a wide array of benefits designed to help you and your family stay healthy, achieve your financial goals, and balance the demands of your work and personal life. These benefits include comprehensive health care plans, retirement savings plan with company match, discounted Employee Stock Purchase Program, tuition assistance and reimbursement programs, and 20 days of paid time off. Additional details about our total rewards package can be found by visiting our benefits page. The actual base salary is based on geographic location, and the range is representative of salaries for this role throughout Selective's footprint. Additional considerations include relevant education, qualifications, experience, skills, performance, and business needs. Pay Range USD $96,000.00 - USD $125,000.00 /Yr. Additional Information Selective is an Equal Employment Opportunity employer. That means we respect and value every individual’s unique opinions, beliefs, abilities, and perspectives. We are committed to promoting a welcoming culture that celebrates diverse talent, individual identity, different points of view and experiences – and empowers employees to contribute new ideas that support our continued and growing success. Building a highly engaged team is one of our core strategic imperatives, which we believe is enhanced by diversity, equity, and inclusion. We expect and encourage all employees and all of our business partners to embrace, practice, and monitor the attitudes, values, and goals of acceptance; address biases; and foster diversity of viewpoints and opinions. For Massachusetts Applicants It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.

Underwrite middle market commercial accounts by assessing submissions and making data-driven decisions. Manage broker relationships, negotiate terms, and mentor junior underwriters to enhance portfolio profitability and business growth.

Company Overview FOCUS provides cloud-based, core administration solutions (FOCUS Tech) and services (FOCUS Insurance Services) for P&C insurance companies and MGAs. Using decades of industry experience, FOCUS is taking the risk out of insurtech for small, mid-size, and growth-focused insurance organizations. When you join FOCUS, you immediately become one of our most valued components – and we’re committed to investing in you. That means you can look beyond the paycheck and excellent benefits to an environment that will help you grow and achieve your professional goals through development and advancement opportunities and the support of our outstanding leaders and teammates. While we do not have an active opening for this role currently, we are always interested in connecting with talented professionals and building a pipeline for future opportunities. We encourage you to apply, and if a position becomes available that aligns with your background and experience, a recruiter will be in touch. Job Description Reviews and analyzes applications, inspections, endorsements, cancellations, and reinstatements to determine policy eligibility while adhering to underwriting rules and guidelines. Accepts or rejects applications and makes risk selections on behalf of the carrier client within underwriting rules and guidelines. Handles inbound and outbound calls and chats from agents and clients to provide guidance on policy forms, coverage, and underwriting decisions. Processes tasks across new business, inspections, endorsements, cancellations, and reinstatements to ensure timely and accurate workflow completion. Develops and maintains strong agent relationships and acts as a subject matter expert by providing guidance on policy forms, coverage, and departmental processes to both external agents and internal team members. Description: Policy Underwriting & Risk Assessment - Review and process applications for all personal lines coverage to determine eligibility for company programs. - Analyze applications, inspections, and endorsements to make risk selection decisions within established underwriting rules and guidelines. - Accept or reject applications and determine coverage, pricing, and endorsements with accuracy and efficiency. - Process requests for cancellations, reinstatements, and endorsements while adhering to departmental service standards. - Demonstrate proficiency in 5 or more underwriting functions, including risk evaluation, premium calculation, and policy adjustments. - Research complex underwriting issues and provide solutions for eligibility, coverage, and compliance concerns. Agent & Client Support - Serve as a subject matter expert for agents by providing guidance on policy forms, coverage options, and application submission. - Receive and handle agent calls regarding bind requests, endorsement changes, cancellations, reinstatements, inspections, missing information, and quote acceptability. - Maintain strong agent relationships through proactive communication and timely resolution of inquiries. Follow-Up & Workflow Management - Ensure timely and accurate processing of tasks to support departmental and client needs. - Maintain organized workflow to optimize productivity and compliance with underwriting standards. Continuous Learning & Compliance - Stay current on underwriting rules, policy forms, industry trends, and regulatory requirements. - Participate in training sessions and cross-functional initiatives as needed. - Ensure compliance with carrier and company guidelines in all underwriting decisions. - Recommend process improvements to enhance underwriting quality and efficiency. Education: Bachelor’s degree from a four-year college or university preferred. - Three (3) to five (5) years of underwriting experience in Personal Lines including homeowners and other lines; or equivalent combination of education and experience required. - Must have general knowledge of insurance statutes, regulations and policies. Knowledge, Skill and Abilities - Strong knowledge of Property/Casualty insurance underwriting principles and personal lines policy elements. - Ability to analyze complex applications and make informed risk decisions. - Excellent verbal and written communication skills. - Strong organizational, time management, and decision-making skills. - Ability to handle multiple tasks, prioritize workload, and maintain high accuracy. - Customer service and conflict-resolution skills, including handling agent or client inquiries professionally. - An active 2-20 or 4-40 license, or industry designation such as CPCU or CIC, is preferred. - Participation in virtual team meetings, training sessions, and performance reviews. - Must be self-motivated, organized, and able to maintain productivity without direct supervision. Working Conditions - Position is fully remote; employee is expected to maintain a dedicated, distraction-free workspace. - Employee is responsible for providing a reliable internet connection that meets minimum speed requirements. - Use of a company-provided computer, headset, and other necessary equipment is required. - Work schedule may include standard business hours; flexibility may be required to meet peak call/chat volumes. - Ability to manage multiple communication channels (calls, chats, task systems) efficiently from home. - Must adhere to data security and confidentiality standards while handling sensitive client and policy information. - Participation in virtual team meetings, training sessions, and performance reviews. - Must be self-motivated, organized, and able to maintain productivity without direct supervision. Why join the FOCUS Team? The FOCUS Difference: - Medical, Dental, Vision, Life, Pet; Flexible Spending Account - Competitive Salaries - 401K Match - Work-Life Balance: Personal Days, PTO Days, 12 Paid Holidays, Two Paid Days for Volunteer Service, Paid Parental Leave - Short and Long-Term Disability - Employee Support Programs, Including Mental Health - Tuition Reimbursement - Matching Charitable Gift Program - Lucrative Referral Program - Commuter Benefits - Flexibility: Remote and Hybrid Opportunities Available This position is not able to be performed in California, Colorado, New York or Washington. EEO Team Focus Insurance Group is an equal opportunity employer that does not discriminate on the basis of race, color, religion, sex (including pregnancy, sexual orientation, and gender identity), national origin, age, disability, veteran status, marital status, or any other protected characteristic. Our hiring practices ensure that all qualified applicants receive fair consideration without regard to these characteristics. Disability Team Focus Insurance Group is committed to creating an inclusive and accessible workplace for all candidates, including those with disabilities. We are dedicated to ensuring equal employment opportunities and providing reasonable accommodations to qualified individuals with disabilities. If you require reasonable accommodations to participate in the application or interview process, please contact our HR department at hrinfo@peak6insurtech.com. We will work with you to provide the necessary accommodations to ensure your full participation in our hiring process. Note to applicant: It is unlawful in Massachusetts and Maryland to require or administer a lie detector test as a condition of employment or continued employment. Please know that our company does not use lie detector tests in our hiring process.