Auto Underwriter III

 

JOB DESCRIPTION

This position is Work from Home, however, must live in either the San Diego or Tampa market.

The hours are 8 am - 5 pm and occasionally 9 - 6 Monday through Friday as well as Saturdays 6 am - 4 pm pacific time

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
• Decision 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 (ROE), 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

Required qualifications, capabilities and skills

• 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

Preferred qualifications, capabilities and skills

• Sales experience preferred

ABOUT US

Chase is a leading financial services firm, helping nearly half of America’s households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs.

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. In accordance with applicable law, we make reasonable accommodations for applicants’ and employees’ religious practices and beliefs, as well as any mental health or physical disability needs.

The health and safety of our colleagues, candidates, clients and communities has been a top priority in light of the COVID-19 pandemic. JPMorgan Chase was awarded the “WELL Health-Safety Rating” for all of our 6,200 locations globally based on our operational policies, maintenance protocols, stakeholder engagement and emergency plans to address a post-COVID-19 environment.

As a part of our commitment to health and safety, we have implemented various COVID-related health and safety requirements for our workforce. Employees are expected to follow the Firm’s current COVID-19 or other infectious disease health and safety requirements, including local requirements. Requirements include sharing information including your vaccine card in the firm’s vaccine record tool, and may include mask wearing. Requirements may change in the future with the evolving public health landscape. JPMorgan Chase will consider accommodation requests as required by applicable law.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set, and location. For those in eligible roles, discretionary incentive compensation which may be 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.

Equal Opportunity Employer/Disability/Veterans

ABOUT THE TEAM

Our Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We’re proud to lead the U.S. in credit card sales and deposit growth and have the most-used digital solutions – all while ranking first in customer satisfaction.

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