Jr. Underwriter

United Auto Credit • Buffalo, NY

2d • Onsite

About The Position

Join our team as a Junior Underwriter and play a key role in turning approvals into contracts. You’ll call dealerships on applications that have been approved or conditionally approved through our automated decisioning process and will provide solutions with the goal of capturing the contract while assessing the overall risk of the application. Using UACC’s common-sense lending approach, you will build strong dealer relationships over the phone, deliver outstanding service, and help drive business growth while representing a trusted brand in the auto finance industry. Essential Duties and Responsibilities As a Junior Underwriter , you’ll be the bridge between approvals and signed contracts, turning opportunities into results while building lasting dealer relationships. You will: Close the loop – Call our dealership partners to rehash approvals with the goal of capturing the contract while providing solutions and assessing the overall risk of the application. Match the right fit – Ensure sales contracts meet program and guideline specifications or counteroffer to a different program to evaluate risk and price the application accordingly Be a trusted partner – Work hand-in-hand with dealerships, Area Managers, and our Sales/Marketing team to strengthen relationships and drive success. Add value to every deal – Review deals with dealers and help structure or restructure them for the best possible outcome. Bring solutions to the table – Gather key information to recommend alternative products or programs when appropriate. Educate and empower – Clearly explain the “why” behind credit decisions, helping dealers understand our approach and build confidence in our partnership. Aim high – Consistently hit or exceed monthly goals for production, quality, and customer satisfaction. Collaborate for success – Work closely with internal teams like Funding and Sales to keep deals moving smoothly. Stay adaptable – Jump in where needed to support the team and company goals.

Requirements

• Excellent communication and interpersonal skills
• Strong organizational and time management abilities
• Proven ability to build relationships with dealers, sales/marketing teams, and peers
• Skilled negotiator with a drive to win in a competitive market and ability to think outside the box
• Proficient in Microsoft Office, Google G Suite, and Teams

Nice To Haves

• Bachelor’s degree preferred (or equivalent combination of education and experience)
• Auto finance or financial services experience preferred but not required

Responsibilities

• Call dealerships on applications that have been approved or conditionally approved through our automated decisioning process and provide solutions with the goal of capturing the contract while assessing the overall risk of the application.
• Build strong dealer relationships over the phone, deliver outstanding service, and help drive business growth.
• Ensure sales contracts meet program and guideline specifications or counteroffer to a different program to evaluate risk and price the application accordingly.
• Work with dealerships, Area Managers, and our Sales/Marketing team to strengthen relationships and drive success.
• Review deals with dealers and help structure or restructure them for the best possible outcome.
• Gather key information to recommend alternative products or programs when appropriate.
• Clearly explain the “why” behind credit decisions, helping dealers understand our approach and build confidence in our partnership.
• Consistently hit or exceed monthly goals for production, quality, and customer satisfaction.
• Work closely with internal teams like Funding and Sales to keep deals moving smoothly.
• Support the team and company goals.

Benefits

• Uncapped Bonuses, Averaging $1,100 - $1,500 monthly
• Commitment to Diversity and Equal Employment Opportunity
• Champion a workplace where each and every person is treated with dignity and respect and is valued for their unique perspectives and contributions.
• Values of SPEED (Service, Progress, Employees, Engagement, and Development)
• Working environment that encourages mutual respect and promotes harmonious and friendly relationships among employees.
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• Reasonable accommodations for religious beliefs and practices.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: Associate degree