Underwriter, Finance & Banking

The Underwriter is responsible for evaluating, negotiating, and making decisions on loan requests from multiple originating sources. This role requires sound credit judgment within established approval guidelines and full compliance with federal and state regulations, as well as One Main policies.

• Assess credit factors, loan risk, appraisals, and yields.
• Recommend loan terms and conditions through effective communication and collaboration with internal and external partners.
• Balance risk and reward to ensure credit quality and profitability.

• HS Diploma / GED.
• Strong customer communication skills.
• Ability to operate effectively in ambiguous situations with high integrity.
• Independent thinker with strong learning agility.
• Detail‑oriented and results‑driven.

• Bachelor’s degree or equivalent experience.
• Experience in Direct Lending or Non‑Prime Lending preferred.

Mendota Heights, MN - Hybrid: 4 days in office (Mon-Thurs)

Monday–Friday, 7:30 AM–7:00 PM (local time)

Saturdays, 7:30 AM–1:00 PM (local time; up to 3 per quarter)

One Main Financial (NYSE: OMF) is a leader in providing responsible credit access to nonprime customers and has been committed to improving financial well‑being since 1912. Our personal loans, credit cards, and related products help customers achieve their financial goals. We value collaboration, innovation, and a customer‑first mindset, supported by flexible work arrangements, career development opportunities, and an inclusive culture.

• Health and well‑being options including medical, prescription, dental, vision, hearing, accident, hospital indemnity, and life insurances
• Up to 4% 401(k) match
• Employee Stock Purchase Plan (10% share discount)
• Tuition reimbursement and continuing education
• Bonus eligibility
• Paid time off (15 days’ vacation per year, prorated based on start date)
• Paid sick leave as determined by state or local ordinance (prorated based on start date)
• Paid holidays (4 floating holidays, prorated based on start date)
• Paid volunteer time (3 days per year, prorated based on start date)
• Additional benefits available

Target base salary range is $23-28 hr., which is based on various factors including skills and work experience. In addition to base salary, this role is eligible for a competitive additional compensation program that is based on individual and company performance.