Auto Loan Underwriter; MST

Job Description

This role involves the evaluation, documentation, and management of automotive financing applications for dealers and credit unions. The analyst will use various systems, including Temenos, Keystone Correlation, Meridian Link, and Excel, to assess risk and ensure compliance with underwriting guidelines.

• Review individual queues 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.
• Determine, offer, reject or add information needed for each application.
• Daily utilization of Temenos, Keystone Correlation, Meridian Link, and Excel.
• Develop relationships with credit union representatives to negotiate acceptable loan terms between the credit union and dealership.
• Communicate effectively with dealers and credit union partners regularly to build rapport.
• Review loan applications and render 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 decide accordingly.
• Apply decisions in multiple loan origination systems and adequately document the rationale.
• Evaluate second‑look requests based upon lending and exception guidelines (where applicable).
• Follow up on approved applications to maximize funding ratio.
• Collect missing items, stipulations, or other documentation from members and dealers.
• Accurately document and track results of outbound and inbound calls.
• Send completed loan packages to the appropriate credit unions for final funding.
• Increase overall capture percentage in select markets.
• Monitor dealer productivity and assist dealers to increase look‑to‑book ratios.
• Contribute to operational and departmental goals such as turnaround times and loan volume.
• Support the Operations Department in processing and funding applications, compliance, call centre, and special projects.
• Mentor and assist Credit Analyst I’s when necessary.

• Be able to work weekends and a 12pm – 9pm MT shift.
• Know how to break down credit bureaus.
• Know how to break down income calculation.
• Make a decision on credit approvals.
• Have knowledge of loan‑to‑value ratio.
• Minimum 2 years of true indirect underwriting 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.

Contract to Hire position based out of Centennial, CO.

• Pay range: $27.00 – $29.00/hr.
• Medical, dental & vision.
• Critical Illness, Accident and Hospital.
• 401(k) Retirement Plan – pre‑tax and Roth post‑tax contributions available.
• 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).

Fully remote position.

Position anticipated to close on Feb 21, 2026.

TEKsystems is an Allegis Group company, a leading provider of business and technology services. We accelerate business transformation for our customers through strategy, design, execution and operations, unlocking value across North America, Europe and Asia.

The company is an equal‑opportunity employer and will consider all applications without regard to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law.