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OneMain Financial · 1 month ago

Underwriter

Tempe, AZ

Full-time

Hybrid

Mid Level

OneMain Financial is the leader in offering nonprime customers responsible access to credit, dedicated to improving the financial well-being of hardworking Americans. The Underwriter role involves analyzing loan requests, making prudent credit decisions, and collaborating with internal and external partners to ensure credit quality and profitability.

CreditFinanceFinancial ServicesInsuranceWealth Management

Responsibilities

Analyzes credit bureau reports evaluates stability, ability, willingness, and collateral/equity position of customer and makes decisions regarding the credit worthiness of customers within approved limits

Responsible for analyzing highly complex financial and credit information according to internal underwriting standards while complying with Fair and Responsible Lending Practices, identifying, and processing potential fraud

Meets production and goals while maintaining underwriting integrity through working knowledge of sound underwriting principles, policies, procedures, and controls to ensure overall profitability of product line

Utilize key metrics to strategically improve volume results

Responsible for providing strong and clear communication to internal and external partners to ensure quick turnaround time

May review more complex loans requiring exceptions

Works collaboratively with other team members and mentors less experienced underwriters and support staff

Qualification

Credit analysisAnalytical skillsNegotiation skillsProblem-solving skillsEffective communicationIndependent thinkingLearning agilityInclusive mindsetInnovative thinkerDetail orientedResults oriented