Consumer Underwriter

Ally•WFH - Texas, TX

1d•$55,000 - $95,000

About The Position

A Consumer Underwriter in Auto Finance evaluates, negotiates, and makes decisions on consumer offerings within Ally’s underwriting policies to grow application and contract volume. The role builds and maintains a portfolio of dealers and provides relationship management for assigned territories, supporting Ally Auto and customers purchasing or leasing vehicles. The underwriter uses sound judgment and Ally’s risk management principles while balancing dealer portfolio revenue growth with responsible underwriting.

Requirements

At least 1 year of experience in auto finance consumer underwriting (prime, sub-prime, and/or non-prime) or financial services.
At least 1 year of experience; a high school diploma or GED equivalent.
Ability to perform technical-based activities.
Knowledge of and exposure to fundamental theories, principles, and concepts.
Ability to apply technical expertise and relationships to support strategy and drive 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 with strong time-management skills.
Flexibility in work schedule, including evening hours, limited travel, and weekends.

Nice To Haves

Bachelor’s degree preferred.

Responsibilities

Increase dealer portfolio revenue through sound underwriting judgment and adherence to Ally’s risk management principles.
Negotiate contracts using high-touch and high-tech capabilities.
Build and cultivate strong dealer relationships by demonstrating market awareness, listening skills, and adaptability.
Evaluate, negotiate, and make decisions on consumer offerings within Ally’s underwriting policies.
Build and maintain a portfolio of dealers and manage relationships in assigned territories.

Benefits

Market-competitive base pay and pay-for-performance incentives based on personal and company goals.
Paid time off starting at 20 days annually, 11 paid holidays, and 8 hours of yearly volunteer time off.
401(k) retirement savings plan with matching and company contributions.
Student loan pay-down and 529 educational savings assistance programs.
Tuition reimbursement.
Employee stock purchase plan.
Financial learning center and financial coach access.
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.
Annual incentive plan eligibility.