Underwriter I

American Credit Acceptance; Meridian (ID); On-site; USD 45,000 - 60,000; Full time

Job summary

American Credit Acceptance in Meridian, Idaho, is seeking an Underwriter I to review auto loan applications and render credit decisions. This full-time role involves underwriting per guidelines, gathering data, and analyzing contracts, titles, and tax information to determine risk and premium levels.

The position emphasizes strong communication, multitasking in a fast-paced environment, and the ability to build trusting relationships with clients. Travel is not required.

Qualifications

• 1+ years of experience in credit underwriting or an undergraduate degree preferred.
• Exceptional interpersonal, verbal and written communication skills.
• Ability to maintain composure and multitask in a fast paced environment.
• Demonstrate an outgoing personality with the ability to build relationships and establish trust.
• Must possess the ability to solve problems, digest and apply information, learn new skills.

Responsibilities

• Underwrite applications in accordance with company guidelines.
• Gather and review underwriting information to determine risk and premiums.
• Understand and analyze contracts, titles, and income tax data.
• Evaluate automobile book values and applicant credit bureau information.
• Perform other tasks as assigned.

Skills

Credit underwriting

Communication skills

Problem solving

Multitasking

Relationship building

Proficiency in office software

Education

Undergraduate degree preferred

Job description

Summary/Objective

The Underwriter I is responsible for reviewing auto loan applications and rendering an appropriate credit decision.

Summary/Objective

The Underwriter I is responsible for reviewing auto loan applications and rendering an appropriate credit decision.

Essential Functions

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Ensure that applications are underwritten in accordance with company guidelines
• Gathers and reviews all necessary underwriting information to determine the degree of risk involved and the proper premium for acceptable risks. Accepts risks that meet underwriting standards and declines those which do not
• Ability to understand and analyze contracts, titles, income tax data
• Evaluate automobile book values and applicant credit bureau information
• Other tasks as assigned

Qualifications

• 1 + years of experience in credit underwriting or an Undergraduate College degree preferred
• Exceptional interpersonal, verbal and written communication skills
• Be able to maintain composure and multitask in a fast paced environment
• Demonstrate an outgoing personality with the ability to build relationships and establish trust among clients
• Must possess the ability to solve problems, digest and apply information, learn new skills, and think critically
• Must possess the ability to utilize Internet browsers and common desktop applications such as email and word processing programs

Supervisory Responsibility

This position has no supervisory responsibilities.

Work Environment and Physical Demands

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.

Position Type/Expected Hours of Work

This is a full-time position. Days and hours of work are Monday through Friday 9 a.m. to 6 p.m., some evenings until 8pm with occasional weekends.

Travel

No travel is expected for this position.