Job Description

Dealer Commercial Services Intern Country: 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! 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 ! What you will gain Our Summer Internship Program, beginning in June 2026, provides immersive training and introduction to Santander. You will be combining this training with practical experience on both technical and interpersonal skills, helping your development during the internship. The 2026 Santander Summer Internship Program is for undergraduate level students who have an expected graduation date between December 2026 and May/June 2027. Santander US is a nationwide business with locations across the country. This position is located in Dallas, TX. * 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. Salary: $67,600/year Before applying, please keep in mind that our internship program does not offer any relocation assistance. What we offer you You will be given exposure to the innerworkings of one largest financial institutions in the world. Working with best-in-class teams and contributing to projects that drive innovation across the organization. As part of the internship program, you will participate in structured professional development opportunities, create connections with peers and meet leaders across Santander. As a Dealer Commercial Services intern, you'll gain a strong understanding of how Santander delivers financial solutions to auto dealerships through commercial lending, floorplan financing, and relationship management. You'll get hands-on experience in credit underwriting, financial analysis, operations, and risk—while working with internal systems like nCino . Your internship may include exposure to teams such as Relationship Officers, Underwriters, Portfolio Managers, and Reporting. You'll learn how to analyze credit packages, interpret financial data, support client onboarding, and contribute to projects that improve systems and processes. This experience will build your business judgment, analytical skills, and foundation for a career in commercial banking or credit. Responsibilities of the Dealer Commercial Services (DCS) internship role may include but are not limited to: * Relationship officer: Work with a relationship officer to onboard our clients by ordering due diligence, Know Your Customer Questionnaire, monitor dealer transactions, assess quality control, risk level/rating. Guide the Business Development Manager through the intake process for collecting a complete Floorplan underwriting package from dealership customers. * Underwriting: Work with tenured underwriters to underwrite loan packages, review credit agreements for terms and conditions, gather statements, adjust credit lines, review structure, submit packages for approval, identify red flags, conduct financial analysis on entities and collateral. * Portfolio Management: Learn how PMs manage account relationships, monitor dealer performance, reconcile floorplan audits, prepare modifications, use the PM tool, present to approval committees, etc. * Commercial Operations: Work with Ops team to assist in onboarding, payoffs, curtailments, interest calculations, interest charges, statements, reconcilements, and document handling. * MIS/Reporting: Learn about different reports and why reporting is necessary for the business. Sit with MIS team as reports and data are created and distributed. In addition, you can expect to learn about nCino. * Exposure to DCS Business Management and Strategies * Involvement in process improvement project in DCS add nCino * Help with integration into additional new systems and technologies * Other ongoing projects over course of internship What we are looking for * An undergraduate student with an expected graduation date between either December 2026 or May/June 2027. * Area of Study: Major in Business or related field * Cumulative GPA is 3.0 or above. * Demonstrates intellectual curiosity and courage. * Strong English communication skills both written and spoken required. * Analytical thinkers with a strong attention to detail. * Organized and able to manage time and multiple tasks efficiently. * Ability to work independently on special projects. * Ability to effectively contribute to a team environment. It would be nice to have * Coursework in or exposure to accounting, finance, economics, or business. (Preferred) * Experience in Microsoft Office products. (Preferred) * Experience in nCino, Salesforce, or similar commercial banking software systems. (Preferred) 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. Link to Santander Benefits: Santander Benefits - 2025 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 (mailto:TAOps@santander.us) to discuss your needs. Primary Location: Dallas, TX, Dallas Other Locations: Texas-Dallas

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