Underwriter

OneMain Financial • Mendota Heights, MN

22h • Hybrid

About The Position

The Underwriter is responsible for evaluating, negotiating, and making decisions on loan requests from multiple originating sources. This role requires sound credit judgment within established approval guidelines and full compliance with federal and state regulations, as well as OneMain policies. In the Role Assess credit factors, loan risk, appraisals, and yields. Recommend loan terms and conditions through effective communication and collaboration with internal and external partners. Balance risk and reward to ensure credit quality and profitability. OneMain Financial (NYSE: OMF) is a leader in providing responsible credit access to nonprime customers and has been committed to improving financial well‑being since 1912. Our personal loans, credit cards, and related products help customers achieve their financial goals. We value collaboration, innovation, and a customer‑first mindset, supported by flexible work arrangements, career development opportunities, and an inclusive culture. OneMain Financial (NYSE: OMF) is the leader in offering nonprime customers responsible access to credit and is dedicated to improving the financial well-being of hardworking Americans. Since 1912, we've looked beyond credit scores to help people get the money they need today and reach their goals for tomorrow. Our growing suite of personal loans, credit cards and other products help people borrow better and work toward a brighter future. In our more than 1300 community branches and across the U.S., team members help millions of customers solve critical financial needs, including debt consolidation, home and auto repairs, medical procedures and extending household budgets. We meet customers where they want to be - in person, by phone and online. At every level, we're committed to an inclusive culture, career development and impacting the communities where we live and work. Getting people to a better place has made us a better company for over a century. There's never been a better time to shine with OneMain.

Requirements

• HS Diploma / GED
• Strong customer communication skills
• Ability to operate effectively in ambiguous situations with high integrity
• Independent thinker with strong learning agility
• Detail‑oriented and results‑driven

Nice To Haves

• Bachelor’s degree or equivalent experience
• Experience in Direct Lending or Non‑Prime Lending preferred

Responsibilities

• Assess credit factors, loan risk, appraisals, and yields.
• Recommend loan terms and conditions through effective communication and collaboration with internal and external partners.
• Balance risk and reward to ensure credit quality and profitability.

Benefits

• Health and well-being options including medical, prescription, dental, vision, hearing, accident, hospital indemnity, and life insurances
• Up to 4% 401(k) match
• Employee Stock Purchase Plan (10% share discount)
• Tuition reimbursement and continuing education
• Bonus eligibility
• Paid time off (15 days’ vacation per year, prorated based on start date)
• Paid sick leave as determined by state or local ordinance (prorated based on start based)
• Paid holidays (4 floating holidays, prorated based on start date)
• Paid volunteer time (3 days per year, prorated based on start date)
• Additional benefits available

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED