, you will review policy and pricing exceptions, support daily underwriting operations, and make timely credit decisions that help us serve dealers and customers responsibly. You will work with us to structure decisions that balance strong returns with long-term relationship health, while meeting clear expectations for response time, throughput, and decision quality. You will contribute to targets for return on equity, volume, and conversion metrics by applying sound judgment and consistent risk discipline. You will also help us strengthen partnerships by initiating proactive outreach and providing prompt, accurate responses to internal and external inquiries. You will join a team that values collaboration, accountability, and continuous improvement in how we deliver decisions.

Job responsibilities:

• Review credit applications and render the appropriate credit decision within credit policy requirements and in compliance with all regulations

• Review policy and/or pricing exceptions and assist in daily operations

• Structure decisions to maximize profit and enhance relationships

• Review and approve automobile applications submitted by our clients, placing an emphasis on response time, quantity of applications processed, and quality of applications approved

• Meet or exceed agreed upon targets for return on equity, volume, conversion ratios, and other business metrics

• Initiate sales calls via telephone, and where appropriate, prepare written follow-up

• Provide prompt, accurate responses to all internal and external customer inquiries

 

Required qualifications, capabilities and skills:

• 5+ years of credit experience, with Auto Finance experience

• Experience reviewing credit bureau reports 

• Highly skilled in credit decisioning, solid understanding of consumer credit and applicable federal and state regulations relative to consumer lending

• Comprehensive knowledge of indirect loan and lease programs, bank products, and services

• PC literate with a good working knowledge of common application software

• Expert knowledge of credit philosophy and policies, loan documentation, and related legal issues.

• Thorough knowledge of the Bank's policies and procedures, as well as its products and their inherent risks.

• Superior analytical skills supported by excellent written and verbal communication skills.

• Results-oriented with a high level of personal initiative and proven leadership ability

• Demonstrated judgment and ability to act decisively

 

Preferred qualifications, capabilities and skills:

• Sales experience preferred

 

The hours are Monday-Friday 11am-8pm w/Rotating Saturday's

As an Underwriter III, you'll review credit applications and render appropriate credit decisions within credit policy requirements.