Hybrid Indirect Auto Lending Underwriter II

Arizona Financial Credit Union; Phoenix (AZ); Hybrid; USD 65,000 - 90,000; Full time

Job summary

Arizona Financial Credit Union is seeking an Indirect Lending Underwriter to review and decision indirect loan applications from dealer partners, evaluating credit risk, collateral quality, and borrower capacity while balancing member experience and portfolio performance.

The role collaborates with dealer partners, lending operations, funding, and compliance to ensure timely decisions, adherence to policy, and compliant lending practices. Strong communication and analytical skills are essential.

Qualifications

• Underwrite indirect loan applications and analyze credit reports and collateral.
• Explain credit decisions clearly to dealers and partners.
• Maintain compliance with lending policies and regulations.

Responsibilities

• Review indirect loan applications, credit reports, collateral valuations, and related information for dealer and partner loans.
• Apply lending guidelines and delegated authority to approve, counteroffer, or decline.
• Communicate funding conditions and decisions to dealers and partners.
• Maintain SLAs for application reviews and turnaround times.
• Assist with training and mentoring of junior underwriters.

Skills

Credit risk evaluation

Underwriting

Dealership communication

Financial analysis

Microsoft Office

Education

High School diploma or GED

Tools

Underwriting software

Microsoft Office

Job description

Arizona Financial Credit Union is seeking an Indirect Lending Underwriter to review and decision indirect loan applications from dealer partners, evaluating credit risk, collateral quality, and borrower capacity while balancing member experience and portfolio performance.

The role collaborates with dealer partners, lending operations, funding, and compliance to ensure timely decisions, adherence to policy, and compliant lending practices. Strong communication and analytical skills are essential.