Underwriter

An Underwriter is responsible for analysis, negotiation, and decisioning on loan requests submitted by multiple loan originating sources. The Underwriter is responsible for making prudent credit decisions within established approval guidelines, in compliance with all state and federal laws as well as OneMain policies and procedures. The ideal candidate will have experience or capability to analyze the credit factors affecting loan risk to the company, appraisals, and loan yields. Effective communication and collaboration with OneMain and external resources is necessary to recommend terms and conditions of loan decisions within established approval guidelines, leveraging risk versus reward to ensure credit quality and profitability. In the Role Analyzes credit bureau reports evaluates stability, ability, willingness, and collateral/equity position of customer and makes decisions regarding the credit worthiness of customers within approved limits. Responsible for analyzing highly complex financial and credit information according to internal underwriting standards while complying with Fair and Responsible Lending Practices, identifying, and processing potential fraud. Meets production and goals while maintaining underwriting integrity through working knowledge of sound underwriting principles, policies, procedures, and controls to ensure overall profitability of product line. Utilize key metrics to strategically improve volume results. Responsible for providing strong and clear communication to internal and external partners to ensure quick turnaround time. May review more complex loans requiring exceptions. Works collaboratively with other team members and mentors less experienced underwriters and support staff Requirements HS Diploma or equivalent Previous sales, finance, or administrative experience in an auto dealership setting and/or underwriting experience Display high level of integrity, independent thinking, dealing with ambiguity, learning agility, detail oriented, inclusive and results oriented. Ability to work under pressure and make decisions in a fast-paced environment. Effective communication skills including verbal, written, and presentation. Strong negotiation, analytical, and problem-solving skills. Innovative thinker with strong ability to implement actions to achieve strategic vision. Location Tempe, AZ Benefits Health and wellbeing options including medical, prescription, dental, vision, hearing, accident, hospital indemnity, and life insurances Up to 4% matching 401(k) Employee Stock Purchase Plan (10% share discount) Tuition reimbursement Paid time off (15 days’ vacation per year, prorated based on start date) Paid sick leave as determined by state or local ordinance (prorated based on start date) 11 Paid holidays (4 floating holidays, prorated based on start date) Paid volunteer time (3 days per year, prorated based on start date) #J-18808-Ljbffr OneMain Financial