Credito Real USA Finance is one of the USA's top automobile loan providers. We are searching for a Loan Underwriter. This individual will be responsible for reviewing credit applications and render appropriate credit decisions within our policy requirements.
We offer competitive pay, have a fantastic work environment, a talented team and have plenty of fun while we work. We also love the fact that we are helping people every day build better credit and better lives! Ready to join us?
WHAT YOU’LL BE DOING :
Review credit applications and render the appropriate credit decision within credit policy requirements and in compliance with all regulations using Defi solution software.
Structure decisions to maximize profit and enhance dealer relationships
Decision sub-prime automobile applications submitted by our dealership partners, placing an emphasis on response time, quantity of applications processed, and quality of applications approved
Provide prompt, accurate responses to all internal and external inquiries.
Maintain and develop new dealer relationships by making outside calls that ensure volume objectives and credit quality requirements are met.
ESSENTIALS THAT WILL MAKE YOU SUCCESSFUL :
Possess a positive can-do attitude.
Ability to communicate effectively and professionally with internal and external customers
Ability to handle multiple tasks simultaneously
Strong organizational skills, task management and ability to prioritize multiple items is a must
Exceptional interpersonal and communication skills
Self-motivated, requiring limited supervision to successfully execute projects.
Excellent organizational and time management skills with strong attention to detail.
Demonstrates ability to cope with ambiguous and changing environments and remains calm under pressure.
Takes initiative to present problems, concerns, questions, and ideas
Underwriting with Auto Finance experience required.
Excellent verbal and written communication skills.
Strong problem solving, organizational, negotiation, and interpersonal skills.
Highly skilled in credit decisioning, with a solid understanding of consumer credit and applicable federal and state regulations relative to consumer lending.
Knowledge of indirect loan programs, bank products, and services.
PC literate with a good working knowledge of common application software.
Results-oriented with a high level of personal initiative.
Sub-prime lending experience is preferred.
Experience reviewing credit bureau reports required.
Ability to work some evenings and Saturday hours.
WORK HOURS : No Sundays
5 day work week schedule
Work some Saturdays with a day off during the week
Our office is located in San Jose, Lindora, Santa Ana, Forum 2.
$2,000 / month + bonus
PHYSICAL WORK REQUIREMENTS :
Frequently : Minimal physical effort such as sitting, standing, and walking
Occasional moving and lifting of equipment and furniture is required to support onsite and offsite meeting setup and tear down
Overtime work may be required based on business needs
Shifts and / or schedules may change, as dictated by management and business needs
May be required to sit and review information on a computer screen for long periods of time
May require repetitive motions of the hands and wrist related to writing and typing at an electronic keyboard