Auto Underwriter III - Private Label

Job Responsibilities

• Review credit applications and render the appropriate credit decision within credit policy requirements and in compliance with all regulations.
• Review policy and/or pricing exceptions and assist in daily operations.
• Structure decisions to maximize profit and enhance relationships.
• Review and approve automobile applications submitted by our clients, placing an emphasis on response time, quantity of applications processed, and quality of applications approved.
• Meet or exceed agreed upon targets for return on equity, volume, conversion ratios, and other business metrics.
• Initiate sales calls via telephone, and where appropriate, prepare written follow-up.
• Provide prompt, accurate responses to all internal and external customer inquiries.

• 5+ years of credit experience, with Auto Finance experience.
• Experience reviewing credit bureau reports.
• Highly skilled in credit decisioning, solid understanding of consumer credit and applicable federal and state regulations relative to consumer lending.
• Comprehensive knowledge of indirect loan and lease programs, bank products, and services.
• PC literate with a good working knowledge of common application software.
• Expert knowledge of credit philosophy and policies, loan documentation, and related legal issues.
• Thorough knowledge of the Bank's policies and procedures, as well as its products and their inherent risks.
• Superior analytical skills supported by excellent written and verbal communication skills.
• Results-oriented with a high level of personal initiative and proven leadership ability.
• Demonstrated judgment and ability to act decisively.

• Sales experience preferred.

Monday-Friday 11am-8pm w/Rotating Saturday's

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility.

These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law.

We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

San Diego, CA $36.08 - $50.00 / hour