Indirect Lending Underwriter/Credit Analyst

Arrow Bank; City of Utica (NY); Hybrid; USD 65,000 - 82,000; Full time

Benefits offered by this job

Bonus potential

Medical insurance

Dental insurance

Vision insurance

401(k) plan

Tuition reimbursement

Employee assistance program

Job summary

Arrow Financial Corporation seeks an Indirect Automotive Lending Underwriter to originate Indirect Loans and ensure compliance with lending policies. You will review credit profiles, negotiate with dealers, and build strong dealer relationships across NY regions.

The role supports a hybrid schedule with in-person days at regional offices in Latham and Utica, NY, combining remote work with collaborative days on-site.

Qualifications

• Bachelor’s degree in business administration or equivalent experience required.
• 6 years experience in Consumer Lending required.
• Strong organizational and mathematical skills.
• Excellent communications skills, written and verbal; ability to communicate with customers, co-workers, management, and community/business leaders.

Responsibilities

• Approve, counter-offer, or decline Indirect Loan applications within lending authority and policy.
• Analyze applications and credit reports; assess repayment ability.
• Develop dealer relationships to grow dealer business.
• Monitor performance and align with department goals.
• Provide periodic reports to management and share expertise with team.

Skills

Organizational skills

Mathematical skills

Sales & negotiation

Written & verbal communication

Lending regulations knowledge

Education

Bachelor’s degree in business administration

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

185 Genesee St Office, Utica, NY, US

3 Attachments

2 days ago Requisition ID: 2883

Salary Range: $65,000.00 To $82,000.00 Annually

The Arrow Financial Corporation Family of Companies is seeking dynamic, authentic individuals to join our amazing team! Currently, we are looking for an experienced professional to join our Indirect Lending team as:

This opportunity may be perfect for you if you have experience in:

> Excellent interpersonal communication skills to communicate approvals, declines, and negotiate counteroffers while maintaining strong business relationships

> Sharp risk assessment capabilities to analyze credit profiles, collateral valuations, and debt-to-income ratios while ensuring strict compliance with internal policies and lending regulations

> Strong problem-solving skills to evaluate marginal applications and craft creative counteroffers that mitigate portfolio risk while capturing viable business

About this position:

The Indirect Automotive Lending Underwriter is responsible for originating Indirect Loans and ensuring loan decisions adhere to lending policy as well as all applicable compliance and regulatory requirements. Utilize sound judgment in approving loans which represent an acceptable level of risk to the Company. This role develops relationships with dealers to foster a strong working relationship.

We believe great things happen when teams connect in person! This hybrid opportunity lets you work from home three days a week while anchoring your week with at least two scheduled days at one of our regional office locations:

• Latham, New York
• Utica, New York

It is the perfect setup if you want remote flexibility but live within easy commuting distance of a regional office to join us for our required collaborative office days.

Essential Job Functions:

> Approve, counter-offer, or decline Indirect Loan applications within individual lending authority and according to policy.

> Analyze applications and credit reports; perform financial history review and repayment source analysis to determine applicant’s ability and willingness to repay.

> Develop dealer relationships by maintaining regular phone and occasional personal dealer contact with assigned accounts in order to develop and retain new and existing dealer business.

> Monitor individual and dealer performance and review with management to maintain proper integration with department goals.

> Respond to Indirect Loan customer inquiries or requests for information.

> Provide periodic reports to management; share knowledge and expertise with other members of Indirect Lending team as appropriate.

> Participate actively in community as designated by Company Community Service Requirements.

What you will need to thrive in this role:

In addition to your work and life experiences, as well as your passion and excitement for the profession, you would benefit from having:

Education/Certifications:

> Bachelor’s degree in business administration or equivalent experience required

> 6 years experience in Consumer Lending required

Skills/Knowledge:

> Strong organizational and mathematical skills

> Solid sales and negotiation skills a plus

> Knowledge of current lending regulations, automobile industry, indirect lending products/services preferred

> Excellent communications skills, written and verbal; ability to communicate with customers, co-workers, management, and community/business leaders

Physical Demands and Work Environment:

> Must be able to sit for prolonged periods of time and walk/stand for brief periods of time.

> Must be able to repetitively use a telephone and computer mouse and keyboard.

> Ability to lift/move up to 15 lbs.

What we will bring to the table:

We believe in investing in our employees and helping them grow their career with us. We offer a pleasant, inclusive work environment, career development opportunities, and competitive compensation. Through our total rewards program, we offer a comprehensive benefits package featuring:

> Competitive compensation including potential bonus and incentives as well as paid vacation, sick time, and holidays

> Medical, Dental, and Vision Insurance and Flexible Spending Plan

> Multiple retirement plans including: 401(k), Pension, and Employee Stock Ownership

> Education and Tuition Reimbursement

> Employee Assistance Program for our employees and their immediate family members

We are an Equal Opportunity Employer. Our philosophy and practice are to provide equal opportunity to all employees and applicants for employment without regard to race (including traits historically associated with race), color, religion, creed, gender, sex, pregnancy (including childbirth and related conditions), sexual orientation, gender identity or expression, status of being transgender, national origin, age, disability, genetic information, predisposing genetic characteristics or carrier status, marital status, familial status, amnesty, status as a victim of domestic violence, reproductive health decision making, citizenship or immigration status, prior convictions or arrests, military status, status as a protected veteran, known relationship or association with any member of a protected class, or any other federal, state, or local legally protected classes. As a multi-bank holding company, Arrow Financial Corporation has over $4 billion in assets. Through our subsidiaries we provide a broad range of banking and insurance services across northeastern New York, including online and mobile banking, wealth management, money market and deposit accounts, and mortgage, consumer and commercial loans.

We are committed to delivering value for our shareholders, our customers, and our communities. Our conservative business model and strategy of steady growth have resulted in many recognitions from the nation’s leading publications and bank-rating firms.

The salary range for this position is $65,000 - $82,000 a year commensurate with experience and education. Please note, while this role is not eligible for commission we are proud to share that additional compensation may be earned through the Company’s annual bonus program, subject to both individual and company performance.

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Attachments (3)

2026 Benefits Overview.FT.HR.pdf

2026 Benefits Overview.FT.HR Mohawk Valley Region.pdf