Auto - Underwriter III - Private Label

JPMorganChase • Tampa, FL

1d • Remote

About The Position

Join the Chase Auto Indirect Originations Underwriting team as an Auto Underwriter III. The role reviews policy and pricing exceptions, supports daily underwriting operations, and makes timely credit decisions that help serve dealers and customers responsibly. The underwriter structures decisions to balance strong returns with long-term relationship health while meeting expectations for response time, application throughput, and decision quality. The position contributes to return-on-equity, volume, and conversion targets through sound judgment and consistent risk discipline, and strengthens partnerships through proactive outreach and prompt, accurate responses to inquiries. The role is described as home-based and has a Monday–Friday schedule from 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 and applicable regulatory requirements.
• Review policy and/or pricing exceptions and assist with daily underwriting operations.
• Structure decisions to maximize profit and enhance relationships.
• Review and approve automobile applications submitted by clients, emphasizing response time, application volume, and the quality of approvals.
• Meet or exceed agreed targets for return on equity, volume, conversion ratios, and other business metrics.
• Initiate sales calls by telephone and, where appropriate, prepare written follow-up.
• Provide prompt, accurate responses to internal and external customer inquiries.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed