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MileOne Autogroup · 3 days ago

Credit Underwriter - Home Improvement

Baltimore, MD

Full-time

Onsite

Entry, Mid Level

$50K/yr - $60K/yr

2+ years exp

MileOne Autogroup is a consumer finance company specializing in flexible financing for the home improvement industry. They are currently seeking a Credit Underwriter to evaluate credit applications and make underwriting decisions while providing excellent customer service.

Automotive

Responsibilities

Evaluate consumer credit applications and financial documentation (e.g., credit reports, income verification) for home improvement loans according to established company policies and risk tolerance

Ensure all underwriting decisions adhere to federal and state regulations, including but not limited to ECOA, Fair Lending laws, and company compliance requirements

Review and clear all stipulations required for final loan approval and funding

For applications that do not meet our in-house credit criteria, act as an internal "broker" to strategically place the application with the most appropriate of our partner financial institutions

Maintain a deep understanding of each partner lender’s specific credit guidelines, appetite, and technology platforms to maximize approval rates and volume

Manage the application process with partner lenders, addressing any specific stipulations or requirements they may have to secure a successful approval for the customer

Initiate contact with customers whose accounts are past due to negotiate payment arrangements and resolve delinquency, adhering strictly to the Fair Debt Collection Practices Act (FDCPA) and company policies

Qualification

Credit underwritingAnalytical skillsMicrosoft Office SuiteAttention to detailCustomer serviceCommunication skills

Required

2–3 years of relevant experience in credit underwriting or a closely related field

Strong attention to detail and analytical skills

Excellent communication and customer service abilities

Proficiency with Microsoft Office Suite (Word, Excel, Outlook)

Saturday hours required

Benefits

Competitive compensation package

Comprehensive training and mentoring programs

Clear opportunities for professional advancement

Commuter benefits

Collaborative, success-driven team culture

Company

MileOne Autogroup

MileOne Autogroup represents 22 automobile brands at 66 dealerships and 8 body shops within the Hall, Heritage, MileOne Luxury, Mercedes-Benz of Annapolis and MotorWorld divisions.

Founded in 1997

Elizabeth City, North Carolina, USA

1001-5000 employees