Auto Underwriter III - Profit & Relationships

JPMorgan Chase; Houston (TX); On-site; USD 90,000 - 130,000; Full time

Benefits offered by this job

Health care coverage

Retirement savings plan

Tuition reimbursement

Job summary

Chase Auto, a prominent provider of auto financing, seeks an Underwriter III to review policy and pricing exceptions and support daily operations within the Auto Finance unit. You will structure decisions to optimize profit, process applications with focus on response time, and strive to meet ROE and other metrics while engaging with customers and internal teams.

You will work in a fast-paced environment, coordinating with cross-functional partners to ensure accurate credit decisions and timely

Qualifications

• 5+ years of experience in credit auto.
• Experience reviewing credit bureau reports.
• Proficiency in credit decisioning and a solid understanding of consumer credit and relevant federal and state regulations.
• Comprehensive knowledge of indirect loan, refinance, direct and lease programs, bank products, and services.
• Expert knowledge of credit philosophy, policies, loan documentation, and related legal issues.
• Thorough understanding of the bank's policies, procedures, products, and inherent risks.
• Superior analytical skills with excellent written and verbal communication abilities.
• Results-oriented with high personal initiative and proven leadership skills.

Responsibilities

• Review credit applications and make credit decisions in compliance with credit policy requirements and regulations.
• Assist in daily operations by reviewing policy and pricing exceptions.
• Structure decisions to maximize profit and enhance relationships.
• Process automobile applications, emphasizing response time, application volume, and approval quality.
• Meet or exceed targets for ROE, volume, conversion ratios, and other business metrics.
• Initiate sales calls and prepare written follow-ups as needed.
• Provide prompt, accurate responses to customer inquiries.

Skills

Credit auto experience

Credit decisioning

Credit bureau reports

Policy compliance

Analytical skills

Communication skills

Leadership skills

Job description

Chase Auto, a prominent provider of auto financing, seeks an Underwriter III to review policy and pricing exceptions and support daily operations within the Auto Finance unit. You will structure decisions to optimize profit, process applications with focus on response time, and strive to meet ROE and other metrics while engaging with customers and internal teams.

You will work in a fast-paced environment, coordinating with cross-functional partners to ensure accurate credit decisions and timely