Credit Underwriter - Home Improvement

MileOne Autogroup•Baltimore, MD

8d•$50,000 - $60,000•Onsite

About The Position

Home Improvement Finance Partners, LLC (HIFP) is a full-service consumer finance company that specializes in providing flexible financing programs to the home improvement industry. We are currently hiring a Credit Underwriter to join our onsite team. As a Credit Underwriter, you will be responsible for evaluating credit applications and making sound underwriting decisions to manage while providing a high level of customer service to our customers. We offer a dynamic work environment where your contributions are recognized and your career growth is supported. Here’s what you can expect: Competitive compensation package Comprehensive training and mentoring programs Clear opportunities for professional advancement Commuter benefits Collaborative, success-driven team culture Saturday hours required.

Requirements

2–3 years of relevant experience in credit underwriting or a closely related field
Strong attention to detail and analytical skills
Excellent communication and customer service abilities
Proficiency with Microsoft Office Suite (Word, Excel, Outlook)

Responsibilities

Analyze and Decision: Evaluate consumer credit applications and financial documentation (e.g., credit reports, income verification) for home improvement loans according to established company policies and risk tolerance.
Risk Mitigation: Ensure all underwriting decisions adhere to federal and state regulations, including but not limited to ECOA, Fair Lending laws, and company compliance requirements.
Condition Review: Review and clear all stipulations required for final loan approval and funding.
Strategic Placement: For applications that do not meet our in-house credit criteria, act as an internal "broker" to strategically place the application with the most appropriate of our partner financial institutions.
Lender Relationship: Maintain a deep understanding of each partner lender’s specific credit guidelines, appetite, and technology platforms to maximize approval rates and volume.
Facilitate Approvals: Manage the application process with partner lenders, addressing any specific stipulations or requirements they may have to secure a successful approval for the customer.
Collections: Initiate contact with customers whose accounts are past due to negotiate payment arrangements and resolve delinquency, adhering strictly to the Fair Debt Collection Practices Act (FDCPA) and company policies.