Auto Underwriter II - Private Label

JPMorgan Chase & Co.; Tempe, Northern (AZ, KY); Hybrid; USD 70,000 - 90,000; Full time

Benefits offered by this job

Remote work

Job summary

JPMorgan Chase & Co. is hiring an Auto Underwriter II who can work from home in Tempe, AZ. You will review credit applications, structure decisions, and ensure compliance with policy and regulations while driving key metrics such as return on equity, volume, and conversion.

The role emphasizes timely underwriting operations, strong risk discipline, and proactive communication with dealers and customers. Strong analytical and decisioning skills are essential, with leadership initiative a plus.

Qualifications

• 2+ years of credit experience, including auto finance
• Experience reviewing credit bureau reports
• Strong credit decisioning and knowledge of consumer lending regulations
• Excellent analytical and communication skills
• Results-oriented with initiative and leadership ability
• Preference for sales experience

Responsibilities

• Review credit applications and render decisions per policy and regulations
• Review policy or pricing exceptions and assist in daily underwriting operations
• Structure decisions to maximize profit while maintaining relationships
• Review and approve auto applications focusing on response time, volume, and quality
• Meet targets for ROE, volume, and conversion; initiate proactive outreach
• Provide prompt, accurate responses to internal and external inquiries

Skills

Credit experience

Credit bureau review

Credit decisioning

Analytical skills

Written/verbal communication

Leadership initiative

Job description

Join our dynamic team as an Auto Underwriter II, where you can work from the comfort of your home.

As an Underwriter II in Chase Auto Indirect Originations Underwriting, you will review policy and pricing exceptions, support daily underwriting operations, and make timely credit decisions that help us serve dealers and customers responsibly. You will work with us to structure decisions that balance strong returns with long-term relationship health, while meeting clear expectations for response time, throughput, and decision quality. You will contribute to targets for return on equity, volume, and conversion metrics by applying sound judgment and consistent risk discipline. You will also help us strengthen partnerships by initiating proactive outreach and providing prompt, accurate responses to internal and external inquiries. You will join a team that values collaboration, accountability, and continuous improvement in how we deliver decisions.

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
• Review and approve 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, 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:

• 2+ 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
• PC literate with a good working knowledge of common application software
• 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
• Demonstrated judgment and ability to act decisively

Preferred qualifications, capabilities and skills:

• Sales experience preferred

The hours are Monday-Friday 11am-8pm w/Rotating Saturday's