Want to grow your career while helping customers? Want to work with a tenured team of professionals who work in a great environment with clear goals and direction? Want to work for an industry leader who is experiencing rapid growth & success?
Success in consumer finance, collections, underwriting, loan processing, rent-to-own or a similar area is necessary. The ability to work some evenings and most Saturdays is necessary to accommodate our customers. We offer a great compensation package, excellent benefits, excellent paid time off plan and good opportunity for career advancement.
Position Summary:
The Underwriter role is responsible for the full-spectrum lending activity within the Car Now Acceptance Credit Department. Responsible for making prudent, accurate, and prompt credit decisions within established approval/exception guidelines, in compliance with all state and federal regulations, and in adherence to all Car Now Acceptance Company's auto lending practices, policies, and procedures. The Underwriter teams with the sales team to establish, maintain, and enhance the credit product offered to the customer.
Position Duties:
Analyzes information received from credit applications and credit reporting agencies to make prudent credit decisions.
Negotiates terms and conditions of loan decisions within established approval/exception guidelines, leveraging risk versus reward, to ensure credit quality and profitability. Makes exceptions to normal guidelines when necessary.
Conducts real-time customer interviews and investigations on non-prime credit applications to gather and document information pertaining to credit decisions.
Monitors overall location and individual portfolio productivity, calls customers to follow-up on pending contracts to increase capture and conversion ratios.
Provides excellent customer service at all points of customer contact, internally and externally.
Communicates with Operations Department to examine and evaluate proper documentation for funding.
Works with production and servicing team members to meet production, service and profitability goals.
Desired Experience
Underwriting and/or approving credit applications and borrowers is ideal
Working within a bank or a financial institution is a plus
Face to face interaction with customers
Key Skills Needed To Succeed
Listen intently to the customer
Prioritize calls & time throughout the day to ensure efficiency and effectiveness
Deliver tough news without losing the customer’s trust
Build rapport with customer and team members
Stay organized
Have excellent follow up skills
Be task oriented
Be able to identify problems and offer solutions
Be able to negotiate as needed
Have prudent judgment
Exercise good common sense
Company Benefits:
Competitive salary with great monthly bonus opportunity!
Strong benefits package- health, dental, vision etc
Generous paid time off program
Good opportunity for career growth
401K with an aggressive company match
And more...
Keywords: Loan Processing, Process Loans, Underwriting, Consumer Credit Analyst, Collections, Credit Manager, Credit, Lending