Auto Loan Underwriter; MST

* Job Description
* * Review individual que's to pull up listings of dealers and credit unions

* Pull up credit union, borrower and break down their credit criteria

* Follow up with the dealer on notes and credit unions

* Most external communication is with credit union to get additional information

* Will determine, offer, rejection or addition information needed

* Daily Utilization of Temenos, Keystone Correlation, Meridian Link, and Excel

* Develop relationship with credit union representatives to negotiate acceptable terms of loan between credit union and dealership.

* Communicate effectively with dealers and credit union partners regularly to build rapport.

* Review loan applications and rendering decisions within underwriting criteria and approval limits.

* Gather and review all necessary underwriting information to determine the degree of risk involved with an application, including credit bureaus, DTI, LTV, PTI, dealer risk and decision the application accordingly.

* Apply decisions in multiple loan origination systems. Adequately document decision to explain rationale.

* Evaluate second look requests based upon lending and exception guidelines (where applicable.)

* Follow up on approved applications to maximize funding ratio.

* Follow up with members and dealers to collect missing items, stipulations, or other misc. documentation.

* Accurately document and track results of outbound and inbound calls.

* Responsible for sending completed loan packages to appropriate credit unions for final funding.

* Increase overall capture % in select markets.

* Monitor dealer productivity and assist dealers to increase look to book ratios.

* Contributes to operational and departmental goals that such as turnaround times and loan volume.

* Support Operations Department such as processing and funding applications, compliance, call center, and special projects.

* Mentor and assist Credit Analyst I's when necessary.

* Qualifications
* * Be able to work weekends and 12pm - 9pm MT shift

* Know how to break down credit bureaus

* Know how to break down income calculation

* Make a decision on credit approvals

* Has knowledge of loan to value ratio

* Minimum 2 years of true Indirect UW experience and decision making authority

* Must have experience with L360 or Cuddle, Ideal, Keystone Correlation, LBQ /Meridian Link

* 3-5 years of recent auto underwriting experience

* Three to five years of underwriting experience in a consumer lending/underwriting environment within a financial institution.

* Knowledge of financial industry policies and operations required.

* Knowledge of financial institution operations, regulatory compliance, point of purchase or indirect auto lending or leasing preferred.

* Previous processing/funding experience is preferred.

* Job Type & Location
* This is a Contract to Hire position based out of Centennial, CO.

* Pay and Benefits
* The pay range for this position is $27.00 - $29.00/hr.
Eligibility requirements apply to some benefits and may depend on your job
classification and length of employment. Benefits are subject to change and may be
subject to specific elections, plan, or program terms. If eligible, the benefits
available for this temporary role may include the following:

* Medical, dental & vision

* Critical Illness, Accident, and Hospital

* 401(k) Retirement Plan - Pre-tax and Roth post-tax contributions available

* Life Insurance (Voluntary Life & AD&D for the employee and dependents)

* Short and long-term disability

* Health Spending Account (HSA)

* Transportation benefits

* Employee Assistance Program

* Time Off/Leave (PTO, Vacation or Sick Leave)

* Workplace Type
* This is a fully remote position.

* Final date to receive applications
* This position is anticipated to close on Feb 21, 2026.
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