JPMorgan Underwriter III 

United States, Arizona, Tempe 

150029233

As an Underwriter III in Auto Finance, you will play a crucial role in reviewing policy and pricing exceptions and supporting daily operations. Your responsibilities will include structuring decisions to optimize profit and strengthen relationships, processing automobile applications with a focus on response time, application volume, and approval quality. You will aim to meet or exceed targets for return on equity (ROE), volume, conversion ratios, and other business metrics. Additionally, you will initiate sales calls, prepare written follow-ups when necessary, and provide prompt, accurate responses to both internal and external customer inquiries.

Job responsibilities

• Review credit applications and make credit decisions in compliance with credit policy requirements and regulations.
• Assist in daily operations by reviewing policy and pricing exceptions.
• Structure decisions to maximize profit and enhance relationships.
• Process automobile applications, emphasizing response time, application volume, and approval quality.
• Meet or exceed targets for ROE, volume, conversion ratios, and other business metrics.
• Initiate sales calls and prepare written follow-ups as needed.
• Provide prompt, accurate responses to customer inquiries.

Required Qualifications, Capabilities, and Skills

• 5+ years of experience in credit auto.
• Experience reviewing credit bureau reports.
• Proficiency in credit decisioning and a solid understanding of consumer credit and relevant federal and state regulations.
• Comprehensive knowledge of indirect loan, refinance, direct and lease programs, bank products, and services.
• Expert knowledge of credit philosophy, policies, loan documentation, and related legal issues.
• Thorough understanding of the bank's policies, procedures, products, and inherent risks.
• Superior analytical skills with excellent written and verbal communication abilities.
• Results-oriented with high personal initiative and proven leadership skills.

Preferred Qualifications, Capabilities, and Skills

• Experience in sales and/or leasing.
• Proven ability to manage multiple tasks and projects in a fast-paced environment.
• Experience collaborating with cross-functional teams to achieve common goals.
• Strong interpersonal and communication skills for effective teamwork with diverse stakeholders.
• Demonstrate judgment and decisiveness.