Jr. Underwriter

United Auto Credit Corporation; California; Hybrid; USD 28,000 - 34,000; Full time

Job summary

United Auto Credit Corporation is seeking a Junior Underwriter to turn approvals into contracts. You will call dealerships on approved or conditionally approved applications, assess risk, and offer solutions to capture the contract while upholding our common-sense lending approach.

In a fast-paced, relationship-driven environment, you will build dealer relationships over the phone, collaborate with Funding and Sales teams, and strive to meet monthly production, quality, and satisfaction goals.

Qualifications

• Bachelor’s degree or equivalent combination of education and experience in auto finance or financial services preferred.
• Auto finance or financial services experience preferred.
• Excellent communication and relationship-building abilities.

Responsibilities

• Close the loop – Call dealership partners to rehash approvals with the goal of capturing the contract while assessing overall risk.
• Match the right fit – Ensure sales contracts meet program specifications or counteroffer to evaluate risk and price the application accordingly.
• Be a trusted partner – Work with dealerships, Area Managers, and Sales/Marketing to strengthen relationships and drive success.
• Add value to every deal – Review deals and help structure or restructure them for the best outcome.
• Bring solutions to the table – Gather key information to recommend alternative products or programs when appropriate.
• Educate and empower – Clearly explain the “why” behind credit decisions to dealers.
• Aim high – Consistently hit or exceed monthly goals for production, quality, and customer satisfaction.
• Collaborate for success – Work with Funding and Sales to keep deals moving smoothly.
• Stay adaptable – Jump in where needed to support the team and company goals.

Skills

Excellent communication

Interpersonal skills

Organizational skills

Time management

Dealer relationships

Negotiation

Education

Bachelor’s degree or equivalent

Tools

Microsoft Office

Google G Suite

Teams

Job description

Job Summary:

Job Summary: Join our team as a Junior Underwriter and play a key role in turning approvals into contracts. You’ll call dealerships on applications that have been approved or conditionally approved through our automated decisioning process and will provide solutions with the goal of capturing the contract while assessing the overall risk of the application. Using UACC’s common-sense lending approach, you will build strong dealer relationships over the phone, deliver outstanding service, and help drive business growth while representing a trusted brand in the auto finance industry. We’re looking for a motivated professional who thrives in a fast-paced, relationship-driven environment.

Essential Duties and Responsibilities

As a Junior Underwriter, you’ll be the bridge between approvals and signed contracts, turning opportunities into results while building lasting dealer relationships.

• Close the loop – Call our dealership partners to rehash approvals with the goal of capturing the contract while providing solutions and assessing the overall risk of the application.
• Match the right fit – Ensure sales contracts meet program and guideline specifications or counteroffer to a different program to evaluate risk and price the application accordingly
• Be a trusted partner – Work hand-in-hand with dealerships, Area Managers, and our Sales/Marketing team to strengthen relationships and drive success.
• Add value to every deal – Review deals with dealers and help structure or restructure them for the best possible outcome.
• Bring solutions to the table – Gather key information to recommend alternative products or programs when appropriate.
• Educate and empower – Clearly explain the “why” behind credit decisions, helping dealers understand our approach and build confidence in our partnership.
• Aim high – Consistently hit or exceed monthly goals for production, quality, and customer satisfaction.
• Collaborate for success – Work closely with internal teams like Funding and Sales to keep deals moving smoothly.
• Stay adaptable – Jump in where needed to support the team and company goals.

Education/Experience

Bachelor’s degree preferred (or equivalent combination of education and experience) Auto finance or financial services experience preferred

Skills & Abilities

Excellent communication and interpersonal skills Strong organizational and time management abilities Proven ability to build relationships with dealers, sales/marketing teams, and peers Skilled negotiator with a drive to win in a competitive market and ability to think outside the box

Compensation Range:

$20.50 - $24.50 an hour, based on Location and Experience Averaging $500 bonuses monthly Expected Total Compensation including Average Bonuses = $55K - $65k

Technical Skills

Proficient in Microsoft Office, Google G Suite, and Teams

Commitment to Diversity and Equal Employment Opportunity

United Auto Credit Corporation, a wholly owned indirect subsidiary of Vroom, is an equal opportunity employer committed to creating and supporting a work environment where all employees can find their drive. To do that, we champion a workplace where each and every person is treated with dignity and respect and is valued for their unique perspectives and contributions. We believe our values of SPEED (Service, Progress, Employees, Engagement, and Development) are best realized in an environment, whether physical or virtual, where every individual has the ability to bring their whole selves to work and contribute fully. UACC maintains a working environment that encourages mutual respect and promotes harmonious and friendly relationships among employees. The company prohibits any form of employment discrimination or harassment against employees, applicants, or other protected persons in the workplace based on a protected characteristic(s), regardless of who the source is of such conduct. Protected characteristics include race, color, religion, creed, sex (including gender, sexual orientation, gender identity or expression, or pregnancy, childbirth, or a related medical condition), national origin, ancestry, ethnicity, age, physical or mental disability, genetic information, service in the uniformed services, citizenship, or any other characteristic protected by federal, state, and/or local law. This commitment to antidiscrimination and antiharassment applies to all terms, conditions, and privileges of employment including, but not limited to, recruitment and hiring. UACC likewise provides reasonable accommodations to qualified applicants, employees, or other legally protected individuals in the workplace with a disability to enable them to participate in the job application process, to perform the essential functions of a job, or to enjoy the benefits and privileges of employment equal to those of other employees, except if the accommodation would pose an undue hardship. The company also makes reasonable accommodations for religious beliefs and practices. UACC complies with all applicable federal, state, and/or local laws relating to equal employment.

Commitment to Diversity and Equal Employment Opportunity

United Auto Credit Corporation, a wholly owned indirect subsidiary of Vroom, is an equal opportunity employer committed to creating and supporting a work environment where all employees can find their drive. To do that, we champion a workplace where each and every person is treated with dignity and respect and is valued for their unique perspectives and contributions. We believe our values of SPEED (Service, Progress, Employees, Engagement, and Development) are best realized in an environment, whether physical or virtual, where every individual has the ability to bring their whole selves to work and contribute fully. UACC maintains a working environment that encourages mutual respect and promotes harmonious and friendly relationships among employees. The company prohibits any form of employment discrimination or harassment against employees, applicants, or other protected persons in the workplace based on a protected characteristic(s), regardless of who the source is of such conduct. Protected characteristics include race, color, religion, creed, sex (including gender, sexual orientation, gender identity or expression, or pregnancy, childbirth, or a related medical condition), national origin, ancestry, ethnicity, age, physical or mental disability, genetic information, service in the uniformed services, citizenship, or any other characteristic protected by federal, state, and/or local law. This commitment to antidiscrimination and antiharassment applies to all terms, conditions, and privileges of employment including, but not limited to, recruitment and hiring. UACC likewise provides reasonable accommodations to qualified applicants, employees, or other legally protected individuals in the workplace with a disability to enable them to participate in the job application process, to perform the essential functions of a job, or to enjoy the benefits and privileges of employment equal to those of other employees, except if the accommodation would pose an undue hardship. The company also makes reasonable accommodations for religious beliefs and practices. UACC complies with all applicable federal, state, and/or local laws relating to equal employment.

Other Things to Note

This posting is not intended to provide a comprehensive account of the duties and responsibilities that may be required of this position. Duties and responsibilities may change or be added at any time, with or without notice. Please review our privacy and CCPA policies.

Other Things to Note

This posting is not intended to provide a comprehensive account of the duties and responsibilities that may be required of this position. Duties and responsibilities may change or be added at any time, with or without notice. Please review our privacy and CCPA policies.

Who Are We?

Well, we’re kind of a big deal, just ask us and we’ll tell you. We exist to make a difference for our dealers and our customers. We can only accomplish this through the hard work, innovation, and service excellence that our team members provide. We know that our people are the difference and we are always striving to be the company of choice for our difference makers. Employee surveys, company picnics, national sales meetings, online learning tools, March Madness tournaments, company swag, and UACCares are all just a drop in the bucket of our awesomeness! #ourpeoplearethedifference We believe in giving back to our community because it’s the right thing to do and another way we have the power to make a difference. Our UACCares organization brings our teammates together to volunteer and donate to causes we’re most passionate about so we can make a difference in our communities and in our world. We are an organization that loves to have Fun (it’s actually one of our 5 core values), we are super passionate about employee wellness (but we still love our pizza and wings), we believe that teamwork makes the dream work, and most importantly we believe that every person that works here has the power to make a difference and should. We believe in One Team One Vision. We are United Auto Credit and we are driven to make a difference.