Consumer Finance Underwriter II (Remote - Mountain Standard Time Zone)
Full Time
Gilbert, AZ
Posted
Job description
At Lendmark Financial Services, we believe the success of our company is specifically attributable to the quality of our employees and their commitment to our customers. We value each customer and understand that people want to do business with people who care. That’s one way we differ from our competitors. We are proud of what we as a team have accomplished. We will always strive for improvement, our motto since day one has been “Success is the only option.”
Lendmark Financial Services offers a comprehensive benefits package for employees and dependents that includes medical, dental, vision benefits, paid time off, paid holidays, 401(k), life insurance, long-term disability, tuition assistance and an employee assistance program. We also offer optional benefits such as critical care, auto, home and pet insurance as well as other ancillary insurance options.
Job Summary
The role of the Consumer Finance Underwriter II will be to evaluate branch and/or indirect Retail Sales originated applications and make decisions regarding whether to approve or deny an applicant for financing. The underwriting department provides support for Lendmark from a centralized environment.
Competencies
- Analyzes loan applications, credit bureau reports, collateral, existing account data, income documents and other loan documentation in order to make consistent, sound lending decisions
- Communicates directly with branch and indirect dealer employees on loan decisions and clearly explains reasons for stipulated loan decisions to mitigate the risk associated with the application
- Effectively educates dealer employees on indirect program guidelines, available technology and strengthens dealer relationships through regular verbal and written communication
- Meets or exceeds the expectations established for reviewing loans that route to the underwriting review queues
- Adheres to government regulations and compliance guidelines
- Underwrites to established policies and within credit approval authorities (CAA)
- Assist with training and special projects
- Manages risk relative to role
- Other duties as assigned
Minimum Qualifications
- High School Diploma or GED from an accredited institution
- 2+ years consumer finance, indirect retail sales, or automobile underwriting experience
- Ability to analyze and interpret data
- Ability to work independently
- Ability to multi-task with attention to detail
- Strong organizational skills
- Strong oral and written communication skills
- Proficient in Microsoft Office software
- Ability to work non-standard hours, including nights, week-ends and holidays
Working Conditions
This position will work remotely and the person will be located in Mountain Standard time.
If you are interested in a fast paced, high growth, team oriented and great culture environment, you'll enjoy a career with us!
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