Auto Loan Credit Underwriter

TEKsystems•Phoenix, AZ

1d•$27 - $32•Remote

About The Position

We’re seeking an experienced Indirect Auto Underwriter to independently review, analyze, and decision auto loan applications sourced through dealerships and credit unions. In this role, you’ll own credit decisions from start to finish while partnering closely with dealers and credit union representatives to maximize funding and approval rates. This position is ideal for underwriters who are confident decision‑makers and thrive in a fast‑paced, high‑volume environment.

Requirements

Minimum 2 years of true indirect auto underwriting experience with decision‑making authority
Strong experience breaking down credit bureaus, income calculations, LTV, and DTI
Hands‑on experience with L360, CUDL, Ideal, Keystone Correlation, Loans PQ, and/or Meridian Link
Comfortable working weekends and late shifts (12 PM – 9 PM MT)
Strong documentation, communication, and relationship‑building skills

Nice To Haves

Associate’s or Bachelor’s degree preferred

Responsibilities

Review and underwrite indirect auto loan applications from dealer and credit union channels
Analyze credit bureaus, income calculations, debt‑to‑income (DTI), and loan‑to‑value (LTV) ratios
Make final credit decisions: approve, deny, or condition files for additional information
Communicate directly with dealers and credit union partners to resolve stipulations and negotiate loan terms
Document underwriting decisions clearly across multiple loan origination systems
Monitor dealer productivity and support improved look‑to‑book and funding ratios
Send completed loan packages to credit unions for final funding
Support operational goals related to turnaround time, volume, and quality
Mentor junior Credit Analysts as needed