Senior Auto Finance Underwriter | Profit & Portfolio Growth

Security Capital Research; Tempe (AZ); On-site; USD 90,000 - 120,000; Full time

Job summary

JP Morgan Chase's Chase Auto Auto Finance division seeks an Underwriter III to review policy and pricing exceptions, structure decisions for profitability, and process auto loan applications with focus on speed, volume and quality. The role emphasizes compliance with regulations, strong communication, and collaboration with cross-functional teams to achieve ROE targets and customer satisfaction.

Training occurs in-office with a schedule spanning 9:00 AM–8:00 PM PT, including rotating Saturday

Qualifications

• 5+ years of experience in auto credit underwriting.
• Experience reviewing credit bureau reports.
• Proficiency in credit decisioning and consumer credit regulations.
• Knowledge of indirect loan, refinance, direct and lease programs, and bank products.
• Expert knowledge of credit philosophy, policies, loan documentation and related legal issues.
• Understanding of bank policies, procedures, products and risks.
• Strong analytical and written/verbal communication skills.
• Results-oriented with initiative and leadership.

Responsibilities

• Review credit applications and make decisions in line with credit policy and regulations.
• Assist in daily operations by reviewing policy and pricing exceptions.
• Structure decisions to maximize profit and strengthen relationships.
• Process automobile applications with focus on response time, volume and quality of approvals.
• Meet or exceed ROE, volume, conversion ratios, and other business metrics.
• Initiate sales calls and prepare follow-ups as needed.
• Provide prompt, accurate responses to customer inquiries.

Skills

Credit underwriting

Credit bureau reviews

Credit decisioning

Lending programs knowledge

Policy, loan docs & legal

Bank policies & risk

Analytical & communication

Leadership & initiative

Job description

JP Morgan Chase's Chase Auto Auto Finance division seeks an Underwriter III to review policy and pricing exceptions, structure decisions for profitability, and process auto loan applications with focus on speed, volume and quality. The role emphasizes compliance with regulations, strong communication, and collaboration with cross-functional teams to achieve ROE targets and customer satisfaction.

Training occurs in-office with a schedule spanning 9:00 AM–8:00 PM PT, including rotating Saturday