Sr Underwriter - Consumer

General information

# 21423

Remote? Yes

Ally Financial only succeeds when its people do - and that’s more than some cliché people put on job postings. We live this stuff! We see our people as, well, people - with interests, families, friends, dreams, and causes that are all important to them. Our focus is on the health and safety of our teammates as well as work-life balance and diversity and inclusion.

From generous benefits to a variety of employee resource groups, we strive to build paths that encourage employees to stretch themselves professionally. We want to help you grow, develop, and learn new things. You’re constantly evolving, so shouldn’t your opportunities be, too?

Please note, this position can be filled at a 3H, 3G or 3F level based on experience

Responsible for executing and facilitating the day-to-day strategic objectives for a given Consumer Underwriting Sales Territory. The focus will be on supporting the Underwriting Manager and Consumer Underwriters with daily territory maintenance activities. This role comes with more challenging targets and requirements than the Consumer Underwriter (3G) role.

• Maximize portfolio revenue by practicing sound underwriting judgment and risk management principles.
• Ensure compliance with underwriting policies; elevate risk issues, and stay abreast of constant changes in policy and procedures.
• Limited travel will be required for this role.
• Requires flexibility in work schedule, evening hours and weekends may be required.
• Demonstrated strong performance in managing key relationships and/or key markets to drive business plan results.

3H - Associate Underwriter
* High school/GED is required; bachelor’s degree is preferred
* 1+ years in auto finance consumer underwriting (prime, sub-prime, and/or non-prime), or financial services is preferred
* Ability to perform technical based activities
* Knowledge of and exposure to fundamental theories, principles, and concepts
* Demonstrating technical expertise and relationships to supply to strategy and drive business results
* Familiar with the Auto Finance industry, consumer credit, trend analysis/analytics
* Excellent sales, negotiation, problem solving, and analytical skills
* Must be an independent worker with strong time leadership skills

Base Pay Range: $47,840 - $61,420 - $75,000

3G - Underwriter
* Bachelor’s degree required; equivalent experience can be used in lieu of a degree
* 1+ years in auto finance consumer underwriting (prime, sub-prime, and/or non-prime), or financial services is required
* Ability to perform technical based activities
* Knowledge of and exposure to fundamental theories, principles, and concepts.
* Demonstrating technical expertise and relationships to supply to strategy and drive business results
* Familiar with the Auto Finance industry, consumer credit, trend analysis/analytics
* Excellent sales, negotiation, problem solving, and analytical skills
* Must be an independent worker with strong time leadership skills

Base Pay Range: $55,000 - $75,000 - $95,000

3F - Sr. Underwriter
* Bachelor’s degree required; equivalent experience can be used in lieu of a degree
* 3+ years in auto finance underwriting (prime, sub-prime, and/or non-prime) is required; 5+ years in auto finance underwriting experience preferred
* 2+ years leadership experience preferred
* Ability to provide advice/direction in primary areas of expertise leveraging technical expertise and relationships to contribute to strategy and drive business results
* Contribute to and manage projects
* Excellent sales, negotiation, problem solving, analytical, and project management skills
* Exemplary dealer relationship management skills
* Advanced knowledge of Microsoft Office Programs

Base Pay Range: $70,000 - $85,000 - $100,000

Ally's compensation program offers market-competitive base pay and pay-for-performance incentives (bonuses) based on achieving personal and company goals. But Ally’s total compensation - or total rewards - extends beyond your paycheck and is designed to support and enrich your personal and professional life, including:
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