Underwriter

OneMain Financial; Phoenix (AZ); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Health benefits

401(k) matching

Employee Stock Purchase Plan

Tuition reimbursement

Paid time off

Paid holidays

Volunteer time off

Job summary

OneMain Financial in Tempe, AZ is seeking an experienced Underwriter to review loan applications, analyze credit information, and make sound lending decisions. The role emphasizes balancing risk with profitability while ensuring customer experience remains strong.

The successful candidate will demonstrate strong analytical and problem-solving abilities, attention to detail, and the capacity to work independently in a fast-paced, on-site environment.

Qualifications

• High School Diploma or GED.
• Strong analytical, problem-solving, and decision-making skills.
• Ability to exercise sound judgment and work independently.
• Strong attention to detail and organizational skills.
• Ability to adapt to changing priorities in a fast-paced environment.

Responsibilities

• Review and evaluate loan applications, credit information, and supporting documentation.
• Analyze customer financial information to assess creditworthiness and make lending decisions.
• Balance risk, profitability, and customer experience while adhering to company policies and regulatory requirements.
• Communicate decisions clearly and professionally with internal teams and business partners.
• Identify potential fraud risks and elevate concerns as appropriate.
• Manage multiple priorities while maintaining quality, accuracy, and production goals.
• Collaborate with team members to support operational excellence and continuous improvement.

Skills

Analytical skills

Problem-solving

Decision-making

Attention to detail

Organizational skills

Independent work

Adaptability

Education

High School Diploma or GED

Bachelor's degree

Job description

The Underwriter plays a critical role in helping customers access lending solutions by reviewing and evaluating loan applications. This position combines analytical thinking, decision-making, and problem-solving to assess risk, determine creditworthiness, and support responsible lending practices. The ideal candidate is detail-oriented, adaptable, and confident making decisions in a fast-paced environment.

In the Role

• Review and evaluate loan applications, credit information, and supporting documentation.
• Analyze customer financial information to assess creditworthiness and make lending decisions.
• Balance risk, profitability, and customer experience while adhering to company policies and regulatory requirements.
• Communicate decisions clearly and professionally with internal teams and business partners.
• Identify potential fraud risks and elevate concerns as appropriate.
• Manage multiple priorities while maintaining quality, accuracy, and production goals.
• Collaborate with team members to support operational excellence and continuous improvement.

Requirements

• High School Diploma or GED.
• Strong analytical, problem-solving, and decision-making skills.
• Ability to exercise sound judgment and work independently.
• Strong attention to detail and organizational skills.
• Ability to adapt to changing priorities in a fast-paced environment.

Preferred

• Bachelor's degree.
• Experience in underwriting, lending, banking, financial services, insurance, risk management, or a related field.
• Experience analyzing financial, credit, or risk-related information.
• Experience working in a production-driven environment with quality and service-level expectations.

Location

On site in Tempe, AZ

Schedule

Hours of operation are Monday-Friday 6a-8p AZ time and Saturday 6a-1p. The schedule is 40 hours per week within hours of operation, which includes up to 3 Saturdays per quarter

Who We Are

OneMain Financial (NYSE: OMF) is the leader in offering nonprime customers responsible access to credit and is dedicated to improving the financial well-being of hardworking Americans. Since 1912, we’ve looked beyond credit scores to help people get the money they need today and reach their goals for tomorrow. Our growing suite of personal loans, credit cards and other products help people borrow better and work toward a brighter future.

Driven collaborators and innovators, our team thrives on transformative digital thinking, customer-first energy and flexible work arrangements that grow lives, careers and our company. At every level, we’re committed to an inclusive culture, career development and impacting the communities where we live and work. Getting people to a better place has made us a better company for over a century. There’s never been a better time to shine with OneMain.

Benefits

Because team members at their best means OneMain at our best, we provide opportunities and benefits that make their health and careers a priority. That’s why we’ve packed our comprehensive benefits package for full- and some part-timers with:

• Health and well-being options including medical, prescription, dental, vision, hearing, accident, hospital indemnity, and life insurances
• Up to 4% matching 401(k)
• Employee Stock Purchase Plan (10% share discount)
• Tuition reimbursement
• Paid time off (15 days’ vacation per year, prorated based on start date)
• Paid sick leave as determined by state or local ordinance (prorated based on start date)
• 11 Paid holidays (4 floating holidays, prorated based on start date)
• Paid volunteer time (3 days per year, prorated based on start date)