Dealer Finance Underwriter (REMOTE or HYBRID) Job at Atlantic Union Bank
Position Description:
This role analyzes Dealer Finance indirect credit applications to determine credit decisions in a fast paced environment. Role is responsible for achieving set goals for loans booked, pricing, and delinquency and losses.
Position Accountabilities:
- Analyzes indirect loan applications for credit worthiness using consumer credit bureau reports and internal performance data
- Evaluates consumer loan requests for adherence to Atlantic Union’s indirect lending policies related to debt-to-income, credit characteristics, and loan-to-value
- Ensures all decisions on applications are within Atlantic Union’s compliance and fair lending framework
- Works to achieve team’s goals for new loan volume, pricing, delinquencies and losses
- Promotes Atlantic Union Bank and the indirect program to dealerships as opportunities arise while analyzing and making decisions on credit applications
Organizational Relationship:
This position reports to Dealer Finance Credit Manager
Position Qualifications:
Education and Training
- Undergraduate degree or equivalent work experience
- Two years or more in consumer loan underwriting
Knowledge & Skills
- Strong analytic skills
- Experience working in fast-paced, production environment
- In-depth knowledge of Federal lending regulations, Fair Lending, and E.C.O.A.
- In-depth knowledge of all indirect programs offered to dealers along with reserve options
- Effective oral and written communication skills
- Able to handle multiple tasks with attention to details
- Experience in interpreting and analyzing credit reports
- Excellent interpersonal, communication and organizational skills
- High degree of professionalism
Salary offered will be based on several factors including but not limited to education, work experience, certifications, etc. This position is also eligible to participate in either an applicable incentive compensation plan for the position or a discretionary profit sharing bonus program. General information on our comprehensive benefits package can be found by visiting https://www.atlanticunionbank.com/about/careers/benefits.
We are proud to be an EEO/AA employer, Minority/Female/Disability/Veteran. We maintain a drug-free workplace.
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