Underwriter

OneMain Financial; Phoenix (AZ); On-site; USD 50,000 - 70,000; Full time

Benefits offered by this job

Health and well-being options including medical, dental, and vision insurances

Up to 4% matching 401(k)

Employee Stock Purchase Plan

Tuition reimbursement

Paid time off (15 days vacation per year)

Paid sick leave

11 Paid holidays

Paid volunteer time (3 days per year)

Job summary

OneMain Financial is looking for an Underwriter to review and evaluate loan applications and assess customer creditworthiness. The role requires strong analytical and decision-making abilities in a fast-paced environment.

Responsibilities include balancing risk and profitability while ensuring compliance with company policies. This position offers health benefits, a 401(k), and paid time off including sick leave and holidays.

Qualifications

• Strong analytical, problem-solving, and decision-making skills.
• Ability to exercise sound judgment and work independently.
• Ability to adapt to changing priorities in a fast-paced environment.

Responsibilities

• Review and evaluate loan applications and credit information.
• Analyze customer financial information to assess creditworthiness.
• Balance risk, profitability, and customer experience while adhering to policies.
• Communicate decisions clearly with internal teams and partners.
• Identify potential fraud risks and escalate concerns.
• Manage multiple priorities while maintaining quality.

Skills

Analytical skills

Problem-solving skills

Decision-making skills

Attention to detail

Organizational skills

Education

High School Diploma or GED

Bachelor's degree (preferred)

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.

Benefits

• 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)