Underwriter

An Underwriter is responsible for analysis negotiation and decisioning on loan requests submitted by multiple loan originating sources. The Underwriter is responsible for making prudent credit decisions within established approval 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 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.

• May review more complex loans requiring exceptions.

• Works collaboratively with other team members and mentors less experienced underwriters and support staff
  

Requirements

• HS Diploma or equivalent

• Previous sales finance or administrative experience in an auto dealership setting and/or underwriting experience

• 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

Who we Are

OneMain Financial (NYSE: OMF) is the leader in offering nonprime customers responsible access to credit and is dedicated to improving the financial well-being of hardworking Americans. Since 1912 weve looked beyond credit scores to help people get the money they need today and reach their goals for tomorrow. Our growing suite of personal loans credit cards and other products help people borrow better and work toward a brighter future.

Driven collaborators and innovators our team thrives on transformative digital thinking customer-first energy and flexible work arrangements that grow lives careers and our company. At every level were committed to an inclusive culture career development and impacting the communities where we live and work. Getting people to a better place has made us a better company for over a century. Theres never been a better time to shine with OneMain.

Because team members at their best means OneMain at our best we provide opportunities and benefits that make their health and careers a priority. Thats why weve packed our comprehensive benefits package for full- and some part-timers with:

Health and wellbeing options including medical prescription dental vision hearing accident hospital indemnity and life insurances

Up to 4% matching 401(k)

Employee Stock Purchase Plan (10% share discount)

Tuition reimbursement

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)

11 Paid holidays (4 floating holidays prorated based on start date)

Paid volunteer time (3 days per year prorated based on start date)

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.