Auto - Underwriter III - Private Label

JPMorganChase; Tampa (FL); Remote; USD 90,000 - 120,000; Full time

Job summary

JPMorgan Chase is seeking an Auto Underwriter III for the Chase Auto Indirect Originations Underwriting team. The role involves reviewing policy and pricing exceptions, supporting daily underwriting operations, and delivering timely credit decisions that balance risk with customer relationships.

You will assess credit applications, structure decisions to maximize profitability, and work to meet defined performance metrics while maintaining compliance with applicable laws and internal policies.

Qualifications

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

Responsibilities

• Review credit applications and render the appropriate credit decision within policy requirements and in compliance with 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 clients, focusing on response time and quality.
• Meet or exceed targets for return on equity, volume, conversion ratios, and other metrics.
• Initiate sales calls and prepare written follow‑ups as needed.
• Provide prompt, accurate responses to internal and external inquiries.

Skills

Credit experience

Auto Finance

Credit decisioning

Regulations knowledge

Analytical skills

Communication skills

Leadership ability

MS Office

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