As an Underwriter III in auto finance, you will review policy and/or pricing exceptions and assist in daily operations. You'll structure decisions to maximize profit and enhance relationships. You'll also decision automobile applications submitted by our clients, placing an emphasis on response time, quantity of applications processed, and quality of applications approved. You'll meet or exceed agreed upon targets for return on equity (ROE), volume, conversion ratios, and other business metrics. You'll also initiate sales calls via telephone, and where appropriate, prepare written follow-up. Additionally, you'll provide prompt, accurate responses to all internal and external customer inquiries.

Job responsibilities

• Review credit applications and render the appropriate credit decision within credit policy requirements and in compliance with all regulations
• Review policy and/or pricing exceptions and assist in daily operations
• Structure decisions to maximize profit and enhance relationships
• Decision automobile applications submitted by our clients, placing an emphasis on response time, quantity of applications processed, and quality of applications approved
• Meet or exceed agreed upon targets for return on equity (ROE), volume, conversion ratios, and other business metrics
• Initiate sales calls via telephone, and where appropriate, prepare written follow-up
• Provide prompt, accurate responses to all internal and external customer inquiries

Required qualifications, capabilities and skills

• 5 years of credit experience, with Auto Finance experience
• Experience reviewing credit bureau reports 
• Highly skilled in credit decisioning, solid understanding of consumer credit and applicable federal and state regulations relative to consumer lending
• Comprehensive knowledge of indirect loan and lease programs, bank products, and services
• Expert knowledge of credit philosophy and policies, loan documentation, and related legal issues.
• Thorough knowledge of the Bank's policies and procedures, as well as its products and their inherent risks.
• Superior analytical skills supported by excellent written and verbal communication skills.
• Results-oriented with a high level of personal initiative and proven leadership ability

Preferred qualifications, capabilities and skills

• Sales experience
• Demonstrated judgment and ability to act decisively

THIS IS A WORK FROM HOME POSITION BUT MUST LIVE IN FLORIDA, GEORGIA, TENNESSEE OR ALABAMA MARKET