Jr. Credit Analyst/Underwriter - Auto Lending

Join our team as a Junior Underwriter and play a key role in turning approvals into contracts. You’ll call dealerships on applications that have been approved or conditionally approved through our automated decisioning process and will provide solutions with the goal of capturing the contract while assessing the overall risk of the application. Using UACC’s common-sense lending approach, you will build strong dealer relationships over the phone, deliver outstanding service, and help drive business growth while representing a trusted brand in the auto finance industry. Essential Duties and Responsibilities As a Junior Underwriter, you’ll be the bridge between approvals and signed contracts, turning opportunities into results while building lasting dealer relationships. You will:

• Close the loop – Call our dealership partners to rehash approvals with the goal of capturing the contract while providing solutions and assessing the overall risk of the application.
• Match the right fit – Ensure sales contracts meet program and guideline specifications or counteroffer to a different program to evaluate risk and price the application accordingly
• Be a trusted partner – Work hand-in-hand with dealerships, Area Managers, and our Sales/Marketing team to strengthen relationships and drive success.
• Add value to every deal – Review deals with dealers and help structure or restructure them for the best possible outcome.
• Bring solutions to the table – Gather key information to recommend alternative products or programs when appropriate.
• Educate and empower – Clearly explain the “why” behind credit decisions, helping dealers understand our approach and build confidence in our partnership.
• Aim high – Consistently hit or exceed monthly goals for production, quality, and customer satisfaction.
• Collaborate for success – Work closely with internal teams like Funding and Sales to keep deals moving smoothly.
• Stay adaptable – Jump in where needed to support the team and company goals.

Qualifications

We’re looking for a motivated professional who thrives in a fast-paced, relationship-driven environment. Skills & Abilities

• Excellent communication and interpersonal skills
• Strong organizational and time management abilities
• Proven ability to build relationships with dealers, sales/marketing teams, and peers
• Skilled negotiator with a drive to win in a competitive market and ability to think outside the box

Compensation

Range:

• $17.00 - $21.00 an hour, based on Location and Experience
• Uncapped Bonuses, Averaging $1,100 - $1,500 monthly
• Expected Total Compensation including Average Bonuses = $50K - $60k

Education/Experience

• Bachelor’s degree preferred (or equivalent combination of education and experience)
• Auto finance or financial services experience preferred but not required
• No certifications or licenses required

Technical Skills

• Proficient in Microsoft Office, Google G Suite, and Teams

Work Environment

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually quiet. Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this Job, the employee is regularly required to sit. The employee is occasionally required to walk. Job Type: Full-time Pay: $17.00 - $21.00 per hour Benefits:

• 401(k) matching
• Dental insurance
• Employee assistance program
• Flexible spending account
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Referral program
• Vision insurance

Experience:

• Auto Finance: 1 year (Preferred)
• Subprime Financing : 1 year (Preferred)

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