Senior Auto Finance Underwriter — Remote

JP Morgan Chase; Fort Worth (TX); On-site; USD 90,000 - 120,000; Full time

Job summary

Chase Auto Finance, a major auto lending unit of JPMorgan Chase, seeks an Underwriter III to review policy and pricing exceptions, structure decisions for profit, and process auto applications with a focus on speed, quality, and ROE. The role emphasizes strong analytical and communication skills and cross-functional collaboration.

Ideal candidates have 5+ years in credit auto, experience reviewing credit bureau reports, and a solid understanding of consumer credit regulations.

Qualifications

• 5+ years of experience in credit auto.
• Experience reviewing credit bureau reports.
• Proficiency in credit decisioning and understanding of 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, written and verbal communication skills.
• Results-oriented with initiative and leadership abilities.

Responsibilities

• Review credit applications and make credit decisions in compliance with credit policy requirements and regulations.
• Assist in daily operations by reviewing policy and pricing exceptions.
• Structure decisions to maximize profit and enhance relationships.
• Process automobile applications, emphasizing response time, application volume, and approval quality.
• Meet or exceed targets for ROE, volume, conversion ratios, and other business metrics.
• Initiate sales calls and prepare written follow-ups as needed.
• Provide prompt, accurate responses to customer inquiries.

Skills

5+ years in credit auto

Review credit bureau reports

Credit decisioning

Indirect loan programs

Credit philosophy & policies

Bank policies & risks

Analytical & communication skills

Leadership

Job description

Chase Auto Finance, a major auto lending unit of JPMorgan Chase, seeks an Underwriter III to review policy and pricing exceptions, structure decisions for profit, and process auto applications with a focus on speed, quality, and ROE. The role emphasizes strong analytical and communication skills and cross-functional collaboration.

Ideal candidates have 5+ years in credit auto, experience reviewing credit bureau reports, and a solid understanding of consumer credit regulations.