{"id":3492112,"url":"https://alion.io/job/banco-santander-home-equity-underwriter-associate","title":"Home Equity Underwriter - Associate","company":{"id":11879,"name":"Banco Santander","domain":"santander.com","url":"https://alion.io/company/banco-santander","size_band":"5000+","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Workday","truth_index":{"grade":"B","score":82,"open_postings":105,"ghost_share":0.048,"stale_share":0.543,"repost_share":0.114,"time_to_fill_p50_days":22,"computed_at":"2026-11-04T06:34:25Z"}},"role":"Finance","role_family":"Finance","seniority":null,"employment_type":"full_time","work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"explicit","locations":["Southington, United States"],"countries":["US"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":67000,"max_usd":173000,"period":"year","method":"role_country_seniority_unknown","sample_n":12606},"experience_years_min":null,"visa_sponsorship":true,"relocation_package":false,"has_equity":false,"technologies":[],"status":"live","first_seen_at":"2026-10-29T00:00:00Z","employer_posted_date":"2026-10-29","last_verified_at":"2026-11-04T05:56:10Z","board_verified":true,"closed_at":null,"days_open":6,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":6},"description":"Home Equity Underwriter - AssociateCountry: United States of AmericaIt Starts With You:\nSantander 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.\nIf you are interested in exploring the possibilities We Want to Talk to You!\nThe Difference You Make:\nThe Associate, Underwriting underwrites safe and sound loans in an expedient manner through a review process of analyzing and evaluating income, assets, liabilities, and property. The incumbent carefully assesses and evaluates the risk of financing requests within the framework of the organization's credit culture and current economic and industry trends. They review self-employed, corporate and partnership tax returns, profit and loss, as well as financial statements to ascertain borrowers' income; ensures loans are in compliance with the organization's underwriting standards and all applicable state and federal laws, rules and regulations.\nReceives and reviews incoming loan application requests and supporting documentation delivered through managed electronic lending portals, queues or other avenues of receipt.\nUnderwrites and processes loans depending on department need to meet stated service levels.\nUtilizes department policies & guidelines, in addition to cognitive thinking, to build profitable, performing secured and unsecured loans.\nConducts credit analysis on each loan applications including review of tax returns (personal and business), cash flow analysis, debt-ratio calculations, credit-scoring and collateral valuations.\nCommunicates with internal and external parties to ensure all appropriate information has been received from borrowers to best evaluate loan requests and ability to repay as stated.\nManages pending applications within Loan Origination System (LOS) queues as directed.\nReviews applications and credit.\nAnalyzes collateral, credit and loan risk.\nReviews loan documents.\nHandles data input, reporting, servicing.\nWhat You Bring:\nTo 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.\nEducation:\nBachelor’s Degree: in related field or equivalent demonstrated through a combination of work experience, training, military service, or education - Required\nQualifications:\n5+ Years Financial analysis, structuring, underwriting and portfolio management. - Required. \nOrganized, self-sufficient, and able to complete projects on time.\nStrong knowledge of underwriting procedures and practices.\nExcellent member service and communication skills, with the ability to effectively present information and respond to questions from members, managers, and the general public.\nDetail-oriented with sound judgment and decision-making skills.\nStrong analytical and problem-solving skills, including the ability to gather information, establish facts, and draw valid conclusions.\nStrong mathematical skills, including profitability, percentages, ratios, proportions, and basic statistical concepts.\nSystems: Encompass - Preferred. \nIt Would Be Nice For You To Have:\nEstablished work history or equivalent demonstrated through a combination of work experience, training, military service, or education.\nWork Authorization & Sponsorship:\nApplicants must be legally authorized to work in the United States on a full-time basis without requiring employer sponsorship to commence employment.\nWhat Else You Need To Know:\nThe 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.\nBase Pay Range:\nMinimum:\n$65,625.00 USDMaximum:\n$107,500.00 USDWe Value Your Impact:\nYour 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) \nRisk Culture:\nWe 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.\nEEO Statement:\nAt 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.\nWorking Conditions:\nFrequent 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.\n\nEmployer Rights:\nThis 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.\nWhatTo Do Next:\nIf this sounds like a role youareinterested in, then please apply.\nWe 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.","description_format":"text","description_chars":6377,"description_truncated":false,"requirements":{"experience_years_min":null,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"bachelor","optional":false},"security_clearance":false,"languages":[]},"benefits":["Equity"],"hiring_locations":[{"name":"United States","iso":"US","kind":"country"}],"hiring_excludes":[],"relocation_offered":false,"industries":["Commercial & Retail Banks"],"lifecycle":[{"event":"open","at":"2026-10-30T00:01:37Z"}],"visa":[{"country":"US","licensed_sponsor":true,"evidence":"green card filings: 1","filings_12m":0,"filings_prev_12m":6,"green_card_filings_12m":1,"median_offered_wage_usd":192500,"route":null,"cap_exempt":false,"checked_at":"2026-10-29T16:27:21+00:00","sources":["US Department of Labor: LCA disclosure data (H-1B, H-1B1, E-3)","US Department of Labor: PERM disclosure data (green cards)"],"filings_for_role_12m":0}],"liveness":{"score":62,"band":"ok","label":"Likely open","p_open":1,"p_active":0.624,"p_room":1,"age_days":6,"expected_fill_days":22,"reasons":["conf:0","stale_co","velocity","win:early","comp:brand"],"computed_at":"2026-11-04T06:34:25Z"},"pay":null,"html_url":"https://alion.io/job/banco-santander-home-equity-underwriter-associate","json_url":"https://alion.io/job/banco-santander-home-equity-underwriter-associate.json","meta":{"generated_at":"2026-11-04T06:53:24Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":10807,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-11-05T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":11879},"rest":"https://alion.io/mcp/rest/get_company?id=11879"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fbanco-santander-home-equity-underwriter-associate"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fbanco-santander-home-equity-underwriter-associate"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fbanco-santander-home-equity-underwriter-associate"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/banco-santander-home-equity-underwriter-associate\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fbanco-santander-home-equity-underwriter-associate"}],"agent":{"mcp":"https://alion.io/mcp/jobs","mcp_open":"https://alion.io/mcp/open","next":[{"tool":"get_job","arguments":{"id":3492112}},{"tool":"search_jobs","arguments":{"company":"santander.com","detail":"compact"}},{"tool":"match_people","arguments":{"job_id":3492112},"note":"people open to offers who fit this vacancy"}],"note":"The same data through MCP tools: https://alion.io/mcp/open needs no sign-in (compact searches, postings, people); https://alion.io/mcp with an Alion account has everything. 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