Underwriter III

Base pay range

$33.80/hr - $50.00/hr

Chase Auto is a leading provider of auto financing with a portfolio of more than $80 billion in assets and relationships with 75% of U.S. franchised automotive dealers. The business is part of the JPMorgan Chase franchise and serves auto dealers, consumers, and vehicle manufacturers. It offers a range of products and services to meet the financial needs of its clients from retail lending, captive financing, and floorplan products to cash management, private banking, and payment processing.

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.

• 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.

• 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.

• 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.

6 AM - 6 PM PACIFIC TIME

This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorgan

Chase's review of criminal conviction history, including pretrial diversions or program entries.

Chase is a leading financial services firm, helping nearly half of America’s households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility.

These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings…