Auto - Underwriter III - Private Label

Aumni; Tampa (FL); Remote; USD 70,000 - 95,000; Full time

Job summary

Chase is seeking an Auto Underwriter III to review credit applications and render timely decisions from a home-based office. You will assess policy adherence, pricing exceptions, and daily underwriting workflow to support dealers and customers while balancing risk with returns.

Responsibilities include reviewing bureau reports, structuring decisions for profitability, and maintaining strong relationships. Excellent communication and initiative are essential to meet ROE and volume targets.

Qualifications

• 5+ years of credit experience, with Auto Finance experience.
• Experience reviewing credit bureau reports.
• Strong credit decisioning skills and knowledge of consumer lending regulations.
• Thorough knowledge of indirect loan and lease programs and related bank products.

Responsibilities

• Review credit applications and render credit decisions within policy and regulatory requirements.
• Review policy and pricing exceptions and assist in daily operations.
• Structure decisions to maximize profit and strengthen relationships.
• Meet targets for ROE, volume, and conversion; maintain quality of approvals.
• Initiate sales calls and provide prompt replies to inquiries.

Tools

MS Office

Job description

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

As an Underwriter III 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:

• 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
• 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

Work Schedule Monday-Friday 9:00am-6:00pm with rotating Saturday's

Chase is a leading financial services firm, helping nearly half of America’s households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants’ and employees’ religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

Equal Opportunity Employer/Disability/Veterans

Our Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We’re proud to lead the U.S. in credit card sales and deposit growth and have the most-used digital solutions – all while ranking first in customer satisfaction. As an Underwriter III, you'll review credit applications and render appropriate credit decisions within credit policy requirements.