Senior Underwriter - Credit Risk & Growth (Flexible Hours)

OneMain Financial; Tempe (AZ); On-site; USD 80,000 - 105,000; Full time

Job summary

OneMain Financial in Tempe, AZ is seeking a Sr. Underwriter to analyze credit data, assess risk, and make prudent loan decisions within approved guidelines.

You will collaborate with internal and external partners to ensure timely turnarounds while upholding Fair and Responsible Lending practices. Responsibilities include reviewing complex financial information, interpreting credit bureau reports, mentoring junior staff, and meeting production goals without compromising underwriting integrity.

Qualifications

• HS Diploma or equivalent.
• Minimum of 5 years’ experience in consumer loan underwriting.
• Integrity, independent thinking, dealing with ambiguity, learning agility, detail oriented.
• Ability to work under pressure in a fast-paced environment.
• Effective written and verbal communication skills.
• Strong negotiation, analytical and problem-solving skills.
• Innovative thinker with the ability to implement actions to achieve the strategic vision.

Responsibilities

• Analyze credit bureau reports and evaluate stability, ability, willingness, and collateral/equity position of customer and make decisions regarding credit worthiness within approved limits.
• Analyze highly complex financial and credit information according to internal underwriting standards while complying with Fair and Responsible Lending Practices, identifying potential fraud.
• Meet production and goals while maintaining underwriting integrity and applying sound underwriting principles, policies, procedures, and controls.
• Utilize key metrics to strategically improve volume results.
• Provide strong and clear communication to internal and external partners for quick turnaround time.
• Partner with Central Sales and Branch leadership through deal reviews and escalations.
• Review complex loans requiring exceptions.
• Mentor less experienced underwriters and support staff.

Skills

Communication

Negotiation

Analytical thinking

Decision making under pressure

Mentorship

Education

HS Diploma or equivalent

Job description

OneMain Financial in Tempe, AZ is seeking a Sr. Underwriter to analyze credit data, assess risk, and make prudent loan decisions within approved guidelines.

You will collaborate with internal and external partners to ensure timely turnarounds while upholding Fair and Responsible Lending practices. Responsibilities include reviewing complex financial information, interpreting credit bureau reports, mentoring junior staff, and meeting production goals without compromising underwriting integrity.