Location: Tampa, FL, United States

Chase Auto, a prominent provider of auto financing, manages a portfolio exceeding $80 billion in assets and collaborates with 75% of U.S. franchised automotive dealers. As part of the JPMorgan Chase franchise, Chase Auto serves auto dealers, consumers, and vehicle manufacturers, offering a comprehensive range of financial products and services, including retail lending, captive financing, floorplan products, cash management, private banking, and payment processing.

As an Underwriter III in Auto Finance, you will play a crucial role in reviewing policy and pricing exceptions and supporting daily operations. Your responsibilities will include structuring decisions to optimize profit and strengthen relationships, processing automobile applications with a focus on response time, application volume, and approval quality. You will aim to meet or exceed targets for return on equity (ROE), volume, conversion ratios, and other business metrics. Additionally, you will initiate sales calls, prepare written follow-ups when necessary, and provide prompt, accurate responses to both internal and external customer inquiries.

Job responsibilities

• Review credit applications and make credit decisions in compliance with credit policy requirements and regulations.
• Assist in daily operations by reviewing policy and pricing exceptions.
• Structure decisions to maximize profit and enhance relationships.
• Process automobile applications, emphasizing response time, application volume, and approval quality.
• Meet or exceed targets for ROE, volume, conversion ratios, and other business metrics.
• Initiate sales calls and prepare written follow-ups as needed.
• Manage end-to-end underwriter funding and eContracting responsibilities, including funding authorization, contract validation, issue resolution, and coordination with internal and external partners to ensure accurate and timely loan booking.
• Partner closely with Sales and Credit colleagues to support regional growth initiatives and dealer development strategies.
• Develop and maintain strong dealer relationships that help drive customer satisfaction, loyalty, and market volume growth.
• Initiate sales calls and prepare written follow-ups as needed.

 

Required Qualifications, Capabilities, and Skills

• 5+ years of experience in Auto Credit Underwriting.
• Experience reviewing credit bureau reports.
• Proficiency in credit decisioning and a solid understanding of consumer credit and relevant federal and state regulations.
• Comprehensive knowledge of indirect loan, refinance, direct and lease programs, bank products, and services.
• Expert knowledge of credit philosophy, policies, loan documentation, and related legal issues.
• Thorough understanding of the bank's policies, procedures, products, and inherent risks.
• Superior analytical skills with excellent written and verbal communication abilities.
• Results-oriented with high personal initiative and proven leadership skills.
• Provide prompt, accurate responses to internal and external customer inquiries.
• Participate in regional dealer visits, market meetings, and other collaborative opportunities to strengthen partnerships and support business growth.

 

Preferred Qualifications, Capabilities, and Skills

• Experience in Auto Retail Sales.
• Proven ability to manage multiple tasks and projects in a fast-paced environment.
• Knowledge of and experience supporting dealer networks within the Northeast market.
• Willingness to participate in dealer visits, market meetings, and collaborative business development activities.
• Passion for building strong partnerships that contribute to dealer satisfaction and market growth.

 

Work Arrangement & Schedule

Employees are expected to work in the office during their training and onboarding periods, typically for the first 90 days, though the timeframe may vary based on performance and business needs. Scheduled hours support operations between 8:00 AM and 8:00 PM Eastern Time. Saturday shifts are assigned on a rotating basis and may be adjusted as business needs require.

Territory Coverage: This role supports the Northeast Region Credit Team, servicing dealer partners across Central New Jersey to Maine. Occasional travel 25% for dealer visits, market meetings, and partnership-building activities may be required.

 

Review auto credit apps, optimize profit, meet targets, support ops.