Consumer Underwriter - Commercial Services Group (CSG) - Remote Southeast Region

Ally Financial; United States; Remote; USD 55,000 - 95,000; Full time

Job summary

A leading financial services provider is seeking an Underwriter to evaluate and manage indirect credit applications. The role requires significant analytical and customer service skills, with a focus on compliance and revenue growth. The ideal candidate will possess a strong background in auto finance underwriting and a commitment to excellent service. This position offers competitive compensation and a flexible work schedule in a remote capacity across several states.

Benefits

20 paid time off days plus 11 paid holidays

401K retirement savings plan with matching

Flexible health and insurance options

Adoption and fertility assistance

Employee Assistance Program

Qualifications

• 1+ years in auto finance consumer or commercial underwriting required.
• Ability to perform technical based activities.
• Knowledge of fundamental theories and concepts.

Responsibilities

• Evaluate and decision indirect credit applications from dealerships.
• Improve portfolio revenue through sound underwriting judgment.
• Ensure compliance with underwriting policies and procedures.

Skills

Customer service

Sales

Negotiation

Problem solving

Analytical skills

Time management

Education

HS Diploma or equivalent

Bachelor's degree in business related subject area

Job description

General information Career area Underwriting Work Location(s) AL, AR, FL, GA, KY, MS, NC, SC, TN, VA, WV Remote? Yes Ref # 19856 Posted Date 05-27-25 Working time Full time Ally and Your Career Ally Financial only succeeds when its people do - and that’s more than some cliché people put on job postings. We live this stuff! We see our people as, well, people - with interests, families, friends, dreams, and causes that are all important to them. Our focus is on the health and safety of our teammates as well as work-life balance and diversity and inclusion. From generous benefits to a variety of employee resource groups, we strive to build paths that encourage employees to stretch themselves professionally. We want to help you grow, develop, and learn new things. You’re constantly evolving, so shouldn’t your opportunities be, too?
Work Schedule:Ally designates roles as (1) fully on-site, (2) hybrid, or (3) fully remote. Hybrid roles are generally expected to be in the office a certain number of days per week as indicated by your manager. Your hiring manager will discuss this role's specific work requirements with you during the hiring process. All work requirements are subject to change at any time based on leader discretion and/or business need. The Opportunity

Candidate must reside in and work remote in one of these states: AL, AR, FL, GA, SC, NC, TN, VA, KY, MS, WV

Responsible for evaluating and decisioning commercial services offerings within Ally underwriting policies. Encouraged to build and maintain a high level of customer service for their assigned territory. The territory assigned will require the management of a portfolio of dealers and demonstrate the potential to further grow the business.

Requires flexibility in work schedule, some evening hours and weekends may be required

The Work Itself

• Decision indirect credit applications submitted by dealerships.
• Improve portfolio revenue by practicing sound underwriting judgment and risk management principles
• Ensure compliance with underwriting policies; elevate risk issues, and stay abreast of constant changes in policy and procedures
• Limited travel will be required for this role.
• Requires flexibility in work schedule, evening hours and weekends may be required

The Skills You Bring

• HS Diploma or equivalent required
• 1+ years in auto finance consumer or commercial underwriting (prime, sub-prime, and/or non-prime) is required.
• Bachelor's degree in business related subject area preferred.
• Ability to perform technical based activities
• Knowledge of and exposure to fundamental theories, principles and concepts.
• Demonstrating technical expertise and relationships to supply to strategy and drive business results
• Familiar with the Auto Finance industry, consumer credit, trend analysis/analytics
• Excellent sales, negotiation, problem solving, and analytical skills. Must be an independent worker with strong time management skills.

#LI-Remote How We'll Have Your Back

Ally's compensation program offers market-competitive base pay and pay-for-performance incentives (bonuses) based on achieving personal and company goals. Our Total Rewards program includes industry-leading compensation and benefits plus additional incentives that are designed to meet your needs and those of your family so you can get the most out of your career and your life, including:

• Time Away:Program starts at 20 paid time off days in addition to 11 paid holidays and 8 hours of volunteer time off yearly (time off days are prorated based on start date and program varies based on full or part-time status and management level).
• Planning for the Future:plan for the near and long term with an industry-leading 401K retirement savings plan with matching and company contributions, student loan pay downs and 529 educational save up assistance programs, tuition reimbursement, employee stock purchase plan, and financial learning center and financial coach access.
• Supporting your Health & Well-being:flexible health and insurance options including medical, dental and vision, employee, spouse and child life insurance, short- and long-term disability, pre-tax Health Savings Account with employer contributions, Healthcare FSA, critical illness, accident & hospital indemnity insurance, and a total well-being program that helps you and your family stay on track physically, socially, emotionally, and financially.
• Building a Family:adoption, surrogacy and fertility assistance as well as paid parental and caregiver leave, Dependent Day Care FSA back-up child and adult/elder care days and childcare discounts.
• Work-Life Integration:other benefits including Mentally Fit Employee Assistance Program, subsidized and discounted Weight Watchers program and other employee discount programs.
• Other compensations:depending on the role for which you are considered, you may be eligible for travel allowances, relocation assistance, a signing bonus and/or equity.
• To view more detailed information about Ally’s Total Rewards, please visit this link: https://www.ally.com/content/dam/pdf/corporate/ally-total-rewards-snapshot.pdf

Who We Are:

Ally Financial is a customer-centric, leading digital financial services company with passionate customer service and innovative financial solutions. We are relentlessly focused on "Doing it Right" and being a trusted financial-services provider to our consumer, commercial, and corporate customers. For more information, visit www.ally.com.

Ally is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, sexual orientation, gender identity or expression, pregnancy status, marital status, military or veteran status, genetic disposition or any other reason protected by law.

We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. For accommodation requests, email us at [e-mail]. Ally will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation.

Base Pay Range : $55000 - $95000 USD An individual's position in the range is determined by the specific role, the scope and responsibilities of the role, work experience, education, certification(s), training, and additional qualifications. We review internal pay, the competitive market, and business environment prior to extending an offer. Incentive Compensation: This position is eligible to participate in our annual incentive plan.