Underwriter, Automotive Finance

Join Four Stars Finance as an Automotive Finance Underwriter!

Are you ready to elevate your career in automotive finance, combining the best of dealership F&I with the stability and hours of banking and finance?

At Four Stars Finance, we’re looking for a professional who thrives in dynamic environments, excels at balancing time-sensitive priorities, and demonstrates ethical decision-making in competitive deal structuring. This is not your average F&I or underwriting role—it’s a hybrid position tailored for someone with a results-driven mindset, strong relationship-building skills, and a passion for delivering exceptional financing solutions to our dealership network. 

As an underwriting professional, you will maintain strong relationships with lending partners while delivering competitive financing solutions to our dealership network.  We’re searching for a hybrid professional with the skills of a dealership producer and the integrity required to maintain trust with our lending partners.   

If you have a passion for problem-solving, a drive for results, and the ability to collaborate effectively with lenders and dealerships, this role is for you.

What You’ll Do

- Credit Application Review, Structure & Submission: Review and analyze credit applications.  Present, negotiate, and structure credit applications with lenders to optimize terms while meeting company and partner expectations.

- Lender Collaboration: Build and sustain strong, trust-based relationships with lending partners to secure reliable approvals and maintain a reputation of integrity.  Collaborate with financial institutions to optimize financing terms for customers.

- Deal Structuring: Strategically analyze credit applications to structure deals that align with lender guidelines and dealership goals.

- Market Expertise: Stay informed about financing programs, industry trends, and lender preferences to deliver competitive, timely solutions.

- Compliance Oversight: Ensure all financial transactions comply with state and federal regulations while upholding the highest standards of honesty and integrity.

- Efficiency Under Pressure: Manage high-volume, time-sensitive priorities with precision, accuracy, and professionalism.

- Problem Resolution: Act as a go-to resource for resolving challenges in deal approval, customer qualifications, or lender requirements.

- Training & Development: Support and mentor sales teams on financing options and processes to enhance productivity and deal outcomes.  Problem solve assisting Sales find a solution that works for the customer, lenders, and leasing company.

- Team Collaboration: Work closely with sales teams, management, and lenders to maximize deal profitability while maintaining a high level of customer satisfaction.

- Process Improvement: Continuously evaluate and refine underwriting processes to improve efficiency and effectiveness.

- Adapt Quickly to Dynamic Challenges: Demonstrate agility in prioritizing and managing shifting demands, ensuring efficiency and quality under pressure.

What You’ll Bring

Experience

- Minimum of 2 years in automotive finance (F&I) or underwriting in a banking/finance setting.

- Proven success in credit analysis, deal structuring, and lender negotiations.

Skills

- Exceptional communication and interpersonal skills to build trust and rapport with lenders and dealerships.

- Strong analytical and decision-making abilities to structure competitive, compliant deals.

- High attention to detail with the ability to manage multiple priorities under pressure.

- Proficiency in finance software and knowledge of compliance standards.

Attributes

- A results-driven mindset with a focus on urgency and timeliness.

- An unwavering commitment to honesty, integrity, and ethical decision-making.

- A collaborative spirit, fostering trust and teamwork among lenders and internal teams.

- The ability to thrive in a dynamic, fast-paced environment while maintaining professionalism.

- A balance of competitiveness and precision to drive results without compromising trust.

Why Choose Four Stars Finance?

This is more than just a job; it’s an opportunity to step into a unique, hybrid role that blends the excitement of dealership F&I with the work-life balance of banking and finance. Four Stars Finance is looking for a unique professional who thrives in a fast-paced environment and can expertly balance time-sensitive priorities, ethical decision-making, and competitive deal structuring.  We prioritize excellence, trust, and integrity—giving you the tools, support, and autonomy you need to succeed.

Privately-held D&M Holdings is the parent company of D&M Auto Leasing, Four Stars Finance, Dallas Lease Returns, and Apple Leasing.

If you’re ready to embrace a role that challenges you to act decisively, think strategically, and lead with honesty, we’d love to hear from you!

Apply now and bring your expertise to Four Stars Finance.

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