Auto - Underwriter III - Private Label
About The Position
As an Underwriter III in Chase Auto Indirect Originations Underwriting, you will review policy and pricing exceptions, support daily underwriting operations, and make timely credit decisions that help serve dealers and customers responsibly. You will structure decisions to balance strong returns with long-term relationship health while meeting expectations for response time, throughput, and decision quality. The role contributes to return-on-equity, volume, and conversion targets through sound judgment and consistent risk discipline. You will also strengthen partnerships through proactive outreach and prompt, accurate responses to internal and external inquiries. The team values collaboration, accountability, and continuous improvement. The position is described as work-from-home. The schedule is Monday through Friday, 9:00 a.m. to 6:00 p.m., with rotating Saturdays.
Requirements
- At least 5 years of credit experience, including Auto Finance experience.
- Experience reviewing credit bureau reports.
- Strong credit decisioning skills and a solid understanding of consumer credit and applicable federal and state consumer-lending regulations.
- Comprehensive knowledge of indirect loan and lease programs, bank products, and services.
- PC literacy and a good working knowledge of common application software.
- Expert knowledge of credit philosophy and policies, loan documentation, and related legal issues.
- Thorough knowledge of the Bank's policies and procedures, products, and inherent risks.
- Superior analytical skills and excellent written and verbal communication skills.
- Results-oriented approach, high personal initiative, and proven leadership ability.
- Demonstrated judgment and ability to act decisively.
Nice To Haves
- Sales experience.
Responsibilities
- Review credit applications and make appropriate credit decisions within credit policy requirements and applicable regulations.
- Review policy and/or pricing exceptions and assist with daily operations.
- Structure decisions to maximize profit and enhance relationships.
- Review and approve automobile applications submitted by clients, emphasizing response time, application throughput, and approval quality.
- Meet or exceed agreed-upon return-on-equity, volume, conversion-ratio, and other business targets.
- Initiate sales calls by telephone and prepare written follow-up where appropriate.
- Provide prompt, accurate responses to internal and external customer inquiries.
Benefits
- Competitive total rewards package, with base salary based on role, experience, skill set, and location.
- Eligible roles may receive commission-based pay and/or discretionary incentive compensation in cash and/or forfeitable equity.
- Comprehensive health care coverage.
- On-site health and wellness centers.
- Retirement savings plan.
- Backup childcare.
- Tuition reimbursement.
- Mental health support.
- Financial coaching.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
