Consumer Underwriter

Overview

This Consumer Underwriter – Auto Finance role evaluates, negotiates, and makes decisions on consumer offerings in accordance with the organization’s underwriting policies to support growth in application and contract volume. The position also builds and maintains a portfolio of dealers and provides relationship management for assigned territories.

Responsibilities

• Increase dealer portfolio revenue by applying sound underwriting judgment and upholding risk management principles
• Use high-touch and high-tech capabilities to negotiate contracts
• Maintain market awareness and demonstrate strong listening and adaptability when building and cultivating dealer relationships
• Provide dealer relationship and portfolio support across assigned territories

Work Schedule

• Roles are designated as (1) fully on-site, (2) hybrid, or (3) fully remote.
• Hybrid roles are generally expected to be in the office a certain number of days per week as indicated by your manager.
• Your hiring manager will discuss the role’s specific work requirements during the hiring process.
• Work requirements are subject to change based on leader discretion and/or business need.
• Evening hours, limited travel, and weekends required (flexibility in work schedule required).

Qualifications

• Bachelor’s degree is preferred.
• 1+ years in auto finance consumer underwriting (prime, sub-prime, and/or non-prime), or financial services is required
• Ability to perform technical-based activities
• Knowledge of and exposure to fundamental theories, principles, and concepts
• Demonstrated technical expertise and relationship-building skills that can be leveraged to support strategy and drive business results
• Familiarity with the Auto Finance industry, consumer credit, and trend analysis/analytics
• Excellent sales, negotiation, problem-solving, and analytical skills
• Must be an independent worker with strong time leadership skills

Minimum Qualifications

• 1+ years of experience
• High school Diploma or GED equivalent

Compensation & Benefits

• Base pay range: $55,000.00 - $95,000.00
• Incentive compensation: eligible to participate in the annual incentive plan
• Time Away: program starts at 20 paid time off days plus 11 paid holidays and 8 hours of volunteer time off yearly (time off days are prorated based on start date and program varies based on full or part-time status and management level)
• Planning for the Future: industry-leading 401K retirement savings plan with matching and company contributions; student loan pay downs and 529 educational save up assistance programs; tuition reimbursement; employee stock purchase plan; financial learning center and financial coach access
• Health & Well-being: flexible health and insurance options including medical, dental and vision; employee, spouse and child life insurance; short- and long-term disability; pre-tax Health Savings Account with employer contributions; Healthcare FSA; critical illness; accident & hospital indemnity insurance; total well-being program
• Building a Family: adoption, surrogacy and fertility assistance; paid parental and caregiver leave; Dependent Day Care FSA; backup child and adult/elder care days; childcare discounts
• Work-Life Integration: Mentally Fit Employee Assistance Program; subsidized and discounted Weight Watchers® program; other employee discount programs
• Other compensations: depending on the role, may be eligible for travel allowances, relocation assistance, a signing bonus and/or equity

Location

Work schedule and location requirements are discussed during the hiring process (fully on-site, hybrid, or fully remote).