Consumer Underwriter - Commercial Services Group - Mid West Region

Ally Financial; United States; Remote; USD 70,000 - 100,000; Full time

Job summary

Ally Financial is seeking an Underwriter and a Sr. Underwriter to handle underwriting processes in a consumer territory, focusing on risk management and the maximization of portfolio revenue. Successful candidates will have experience in auto finance underwriting and strong analytical skills, contributing significantly to the team's objectives and growth in the finance sector.

Benefits

Paid time off

401K retirement savings plan

Tuition reimbursement

Flexible health and insurance options

Employee Assistance Program

Qualifications

• 1+ years in auto finance consumer underwriting (prime, sub-prime, and/or non-prime) is required.
• High school/GED is required; bachelor’s degree is preferred.
• Demonstrated strong performance in managing key relationships.

Responsibilities

• Maximize portfolio revenue by practicing sound underwriting judgment.
• Ensure compliance with underwriting policies and elevate risk issues.
• Required to maintain key relationships to drive business plan results.

Skills

Sales

Negotiation

Problem Solving

Analytical Skills

Technical Expertise

Education

High school/GED

Bachelor’s degree

Tools

Microsoft Office

Job description

General information Career area Underwriting Work Location(s) AL, AR, AZ, CA, CO, HI, IA, ID, IN, KS, LA, MI, MN, MO, MS, MT, NC, ND, NE, NM, NV, OK, TN, TX, UT, WI, WY Remote? Yes Ref # 20030 Posted Date 06-05-25 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

**Please note, this position can be filled at a 3G or 3F level based on experience**

Responsible for executing and facilitating the day-to-day strategic objectives for a given Consumer Underwriting Sales Territory. The focus will be on supporting the Underwriting Manager and Consumer Underwriters with daily territory maintenance activities.

The Work Itself

• Maximize 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.
• Demonstrated strong performance in managing key relationships and/or key markets to drive business plan results.

The Skills You Bring 3G – Underwriter

• High school/GED is required; bachelor’s degree is preferred.
• 1+ years in auto finance consumer underwriting (prime, sub-prime, and/or non-prime), or financial services is required
• 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 leadership skills

Base Pay Range: $55,000 - $75,000 - $95,000

3F – Sr. Underwriter

• High school/GED required; bachelor’s degree strongly preferred
• 3+ years in auto finance underwriting (prime, sub-prime, and/or non-prime) is required; 5+ years in auto finance underwriting experience preferred
• 2+ years leadership experience preferred
• Ability to provide advice/direction in primary areas of expertise leveraging technical expertise and relationships to contribute to strategy and drive business results
• Contribute to and manage projects
• Excellent sales, negotiation, problem solving, analytical, and project management skills
• Exemplary dealer relationship management skills
• Advanced knowledge of Microsoft Office Programs

Base Pay Range: $70,000 - $85,000 - $100,000

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 : $70000 - $100000 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.