Associate Consumer Underwriter
About The Position
The Associate Consumer Underwriter evaluates, negotiates, and makes decisions on consumer offerings in accordance with Ally’s underwriting policies to help grow application and contract volume. The role supports Ally Auto by building and maintaining a dealer portfolio and providing relationship management for assigned territories. It applies sound underwriting judgment and risk-management principles while negotiating contracts and cultivating dealer relationships. The schedule requires flexibility, including evening hours, limited travel, and weekends. For people within 40 miles of the Cranberry Township, Pennsylvania office, the role is described as hybrid, with three days in the office and two days at home. Specific work requirements may be discussed with the hiring manager and may change based on business needs.
Requirements
- High school diploma or GED equivalent.
- At least 0 years of experience; no prior experience is required.
- Ability to perform technical-based activities.
- Knowledge of and exposure to fundamental theories, principles, and concepts.
- Ability to demonstrate technical expertise and connect relationships to strategy and business results.
- Familiarity with the auto finance industry, consumer credit, and trend analysis or analytics.
- Excellent sales, negotiation, problem-solving, and analytical skills.
- Ability to work independently and strong time-management skills.
- Flexibility to work evening hours and weekends, and undertake limited travel.
Nice To Haves
- Bachelor’s degree preferred; recent graduates are encouraged to apply.
- At least 1 year of experience in auto finance consumer underwriting (prime, sub-prime, and/or non-prime) or financial services preferred.
Responsibilities
- Increase dealer portfolio revenue through sound underwriting judgment and adherence to Ally’s risk-management principles.
- Use high-touch and high-tech capabilities to negotiate contracts.
- Build and cultivate strong dealer relationships using market awareness, listening, and adaptability.
- Provide relationship management for assigned dealer territories.
- Evaluate, negotiate, and make decisions on consumer offerings within Ally’s underwriting policies.
Benefits
- Market-competitive base pay and pay-for-performance incentives.
- At least 20 paid time off days, 11 paid holidays, and 8 hours of annual volunteer time off; amounts may be prorated and vary by employment status and management level.
- 401(k) retirement savings plan with matching and company contributions.
- Student loan paydowns and 529 education savings assistance programs.
- Tuition reimbursement.
- Employee stock purchase plan.
- Financial learning center and access to financial coaches.
- Flexible medical, dental, and vision insurance options.
- Employee, spouse, and child life insurance.
- Short- and long-term disability insurance.
- Health Savings Account with employer contributions and Healthcare FSA.
- Critical illness, accident, and hospital indemnity insurance.
- Total well-being program.
- Adoption, surrogacy, and fertility assistance.
- Paid parental and caregiver leave.
- Dependent Day Care FSA, backup child and adult/elder care days, and childcare discounts.
- Employee Assistance Program.
- Subsidized and discounted Weight Watchers program and other employee discount programs.
- Depending on the role, travel allowances, relocation assistance, signing bonus, and/or equity may be available.
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
Education Level
High school or GED
