Underwriter Senior

The Sr. Underwriter is responsible for analysis negotiation and decisioning on loan requests submitted by multiple loan originating sources. The Senior Underwriter is responsible for making prudent credit decisions within established guidelines in compliance with all state and federal laws as well as OneMain policies and procedures. The ideal candidate will have experience or capability to analyze the credit factors affecting loan risk to the company appraisals and loan yields. Effective communication and collaboration with OneMain and external resources is necessary to recommend terms and conditions of loan decisions within established approval guidelines leveraging risk versus reward to ensure credit quality and profitability.

In the Role

• Analyzes credit bureau reports and 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.
• Partnering with Central Sales and Branch leadership through deal reviews and escalations.
• Review complex loans requiring exceptions.
• Works collaboratively with other team members and provides mentorship to less experienced underwriters and support staff. Ex. Lending Manager support.

Requirements

• HS Diploma or equivalent
• Minimum of 5 years experience in consumer loan underwriting.
• Display high level of integrity independent thinking dealing with ambiguity learning agility detail oriented inclusive and results oriented.
• Ability to work under pressure and make decisions in a fast-paced environment.
• Effective communication skills including verbal written and presentation.
• Strong negotiation analytical and problem-solving skills.
• Innovative thinker with strong ability to implement actions to achieve strategic vision.

Location: Tempe AZ

Department Schedule: Mon-Fri 7:00 AM9:00 PM CST Saturday 7:00 AM -3:00 PM CST. Flexible scheduling is available within hours listed.

OneMain Holdings Inc. is an Equal Employment Opportunity (EEO) employer. Qualified applicants will receive consideration for employment without regard to age ancestry citizenship status color creed culture disability ethnicity gender gender identity or expression genetic information or history marital status military status national origin nationality pregnancy race religion sex sexual orientation socioeconomic status transgender or on any other basis protected by law.