Indirect Lending Underwriter I

Location: Denver
Posted on: November 20, 2024

Job Description:

GENERAL FUNCTION: Responsible for analyzing Consumer Credit applications and information for Indirect Lending. Direct responsibility to underwrite secured indirect lending products (installment loans and leases) across multiple states,Affiliatesorgeographic regions. Provides superior quality service to internal and external customers (Dealership FI Finance & Insurance Managers, Affiliates and vendors). Supports processimprovementsandbusiness objectives. Accepts additional projectsas assigned.

ESSENTIAL DUTIES & RESPONSIBILITIES:

* Analyze consumer credit reports for Consumer Lending applications to evaluate risk and make appropriate credit decision for Indirect Lending across multiple states, Affiliates or geographic regions.

* Reviews documents to support credit decision (dealer contracts, verification of income, tax returns, and additional supporting documentation, etc.)

* Verifies completeness and accuracy of credit applications.

* Formulates and communicates credit decision (approve, decline or counteroffer) in compliance with established underwriting guidelines, compliance and regulatory requirements.

* Develops business relationships and build rapports with customers to achieve mutual goals across multiple states, Affiliates or geographic regions to achieve mutual goals.

* Manages application pipeline to meet business objectives.

* Reviews pipeline applications to maximize production and meet stated service quality levels.

* Provides superior quality service to internal and external customers at all times and demonstrate professional demeanor.

* Consumer Lending credit authority is commensurate with consumer lending authority guidelines and business need.

* Reviews credit applications and recommends decisions on applications over their assigned authority to their manager.

SUPERVISORY RESPONSIBILITIES: None.

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