Indirect Lending Underwriter II

Make banking a Fifth Third better® We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank.

GENERAL FUNCTION: Responsible for analyzing Consumer Credit applications and information for Indirect Lending. Direct responsibility to underwrite secured and unsecured Consumer Lending products (i.e., indirect installmentloans/leases)acrossmultiplestates, Affiliates or geographic regions. Provides superior quality service to internal and external customers (Dealership FI Finance & Insurance Managers, Affiliates and vendors). Trains less experienced underwriters.Supportsprocessimprovementsand business objectives. Accepts additional projects as assigned.

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensures thatactions and behaviors drive a positive customer experience. While operating within the Bank#s risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.

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 complex credit, declined and pipeline applications and recommends appropriate action to maximize production and Meet stated service quality levels.
• Assists Less experienced underwriters with structuring loans to maximize production and Manage risk.
• 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.

MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:

• College degree in business or Finance or equivalent work experience.

-Minimum 6 months Consumer Lending or related industry experience or a minimum 6 months Consumer Lending Underwriting experience.

• strong interpersonal, written and verbal communication skills.
• Ability to handle multiple tasks and Meet deadlines in fast paced environment.

-Ability to interact with Vice President level managers; build consensus; and motivate others.

• strong analytical and organizational skills.
• strong computer skills.
• strong working knowledge of ACAPS.

WORKING CONDITIONS:

• Normal Office environment.
• Extended use of CRT screen and repetitive keyboard movement.
• May require some overtime.

At Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities and each other. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day.

The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the U.S. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education and geographic location. In addition to the base salary, this role is eligible to participate in an incentive compensation plan, with any such payment based upon company, line of business and/or individual performance.

Our extensive benefits programs are designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social well-being. You can learn more about those programs on our 53.com Careers page at: https://www.53.com/content/fifth-third/en/careers/benefits.html or by consulting with your talent acquisition partner. 

Attention search firms and staffing agencies: do not submit unsolicited resumes for this posting.  Fifth Third does not accept resumes from any agency that does not have an active agreement with Fifth Third.  Any unsolicited resumes – no matter how they are submitted – will be considered the property of Fifth Third and Fifth Third will not be responsible for any associated fee.

Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.