Jr. Underwriter

Junior Underwriter

Join our team as a Junior Underwriter and play a key role in turning approvals into contracts. You'll call dealerships on applications that have been approved or conditionally approved through our automated decisioning process and will provide solutions with the goal of capturing the contract while assessing the overall risk of the application. Using UACC's common-sense lending approach, you will build strong dealer relationships over the phone, deliver outstanding service, and help drive business growth while representing a trusted brand in the auto finance industry.

Essential Duties and Responsibilities

As a Junior Underwriter, you'll be the bridge between approvals and signed contracts, turning opportunities into results while building lasting dealer relationships. You will:

• Close the loop – Call our dealership partners to rehash approvals with the goal of capturing the contract while providing solutions and assessing the overall risk of the application.
• Match the right fit – Ensure sales contracts meet program and guideline specifications or counteroffer to a different program to evaluate risk and price the application accordingly
• Be a trusted partner – Work hand-in-hand with dealerships, Area Managers, and our Sales/Marketing team to strengthen relationships and drive success.
• Add value to every deal – Review deals with dealers and help structure or restructure them for the best possible outcome.
• Bring solutions to the table – Gather key information to recommend alternative products or programs when appropriate.
• Educate and empower – Clearly explain the "why" behind credit decisions, helping dealers understand our approach and build confidence in our partnership.
• Aim high – Consistently hit or exceed monthly goals for production, quality, and customer satisfaction.
• Collaborate for success – Work closely with internal teams like Funding and Sales to keep deals moving smoothly.
• Stay adaptable – Jump in where needed to support the team and company goals.

Qualifications

We're looking for a motivated professional who thrives in a fast-paced, relationship-driven environment.

Skills & Abilities

• Excellent communication and interpersonal skills
• Strong organizational and time management abilities
• Proven ability to build relationships with dealers, sales/marketing teams, and peers
• Skilled negotiator with a drive to win in a competitive market and ability to think outside the box

Compensation Range:

• $19.00 - $21.00 an hour, based on Location and Experience
• Uncapped Bonuses, Averaging $1,100 - $1,500 monthly
• Expected Total Compensation including Average Bonuses = $55K - $65k

Education/Experience

• Bachelor's degree preferred (or equivalent combination of education and experience)
• Auto finance or financial services experience preferred but not required
• No certifications or licenses required

Technical Skills

• Proficient in Microsoft Office, Google G Suite, and Teams

Work Environment

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually quiet.

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this Job, the employee is regularly required to sit. The employee is occasionally required to walk.

Commitment to Diversity and Equal Employment Opportunity

United Auto Credit Corporation, a wholly owned indirect subsidiary of Vroom, is an equal opportunity employer committed to creating and supporting a work environment where all employees can find their drive. To do that, we champion a workplace where each and every person is treated with dignity and respect and is valued for their unique perspectives and contributions. We believe our values of SPEED (Service, Progress, Employees, Engagement, and Development) are best realized in an environment, whether physical or virtual, where every individual has the ability to bring their whole selves to work and contribute fully.

UACC maintains a working environment that encourages mutual respect and promotes harmonious and friendly relationships among employees. The company prohibits any form of employment discrimination or harassment against employees, applicants, or other protected persons in the workplace based on a protected characteristic(s), regardless of who the source is of such conduct. Protected characteristics include race, color, religion, creed, sex (including gender, sexual orientation, gender identity or expression, or pregnancy, childbirth, or a related medical condition), national origin, ancestry, ethnicity, age, physical or mental disability, genetic information, service in the uniformed services, citizenship, or any other characteristic protected by federal, state, and/or local law. This commitment to antidiscrimination and antiharassment applies to all terms, conditions, and privileges of employment including, but not limited to, recruitment and hiring.

UACC likewise provides reasonable accommodations to qualified applicants, employees, or other legally protected individuals in the workplace with a disability to enable them to participate in the job application process, to perform the essential functions of a job, or to enjoy the benefits and privileges of employment equal to those of other employees, except if the accommodation would pose an undue hardship. The company also makes reasonable accommodations for religious beliefs and practices.

UACC complies with all applicable federal, state, and/or local laws relating to equal employment.

Other Things to Note

This posting is not intended to provide a comprehensive account of the duties and responsibilities that may be required of this position. Duties and responsibilities may change or be added at any time, with or without notice.

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