Credit Underwriter

Who We Are:

Auto Approve is a fast-growing, multi-million-dollar fintech organization. We are disrupting the way people pay for their cars and trucks, saving customers over $1,000 a year. Auto loans are complicated, confusing, and too costly. Auto Approve makes it simple for our customers to save money and enjoy life more. With the help of our private equity backers, we are revolutionizing the auto finance industry.

We recently crossed the $3B loan milestone, helping over 100,000 customers refinance loans; putting more money back in their pockets for things that matter the most. For the past 3 years, Auto Approve was recognized on Inc. 5000’s list of Fastest Growing Private Companies.

We have even bigger goals and growth in mind for 2025, and the Credit Underwriter will have an opportunity to grow personally and professionally and have a direct impact in helping Auto Approve achieve our aggressive growth goals into the future.

Most of our team members join us because they connect with our mission of providing services that make it simple for our customers to save money and enjoy life more. We provide a fast-paced, enthusiastic atmosphere that thrives on constant improvement. We offer a competitive compensation package, a full suite of benefits (including medical, dental, vision, & pet insurance, disability & leave benefits, life insurance, 401K plan with match, and more), and PTO and holidays. We are looking for individuals to demonstrate an entrepreneurial spirit, promote fresh ideas, and serve as an agent of change. The Credit Underwriter will join our rapidly growing team remotely.

The hourly pay for this role is between $20 and $22 depending on experience.

What You’ll Do: 

The Credit Underwriter will look for opportunities to send deals to a lender – they will need to develop an understanding of our lenders and the basic qualifications of applications. The Credit Underwriter will be responsible for overseeing the underwriting process, verifying data submitted with application and review and approve deals submitted for funding. The role’s day-to-day duties include (but are not limited to):  

• Driving enhancements to Auto Approve's underwriting strategy with our lending partners by applying a quantitative, data-driven approach 
• Delivering custom and standard training leveraging expertise and consumer lending experience 
• Creating recurring & ad hoc reports/analyses that will support critical decision making in the life cycle of a lead 
• Helping implement internal scorecard and decision trees 
• Conducting exploratory analyses to identify key triggers of customer behavior that can be leveraged strategically 
• Accessing and connects datasets across multiple sources to draw out actionable insights 
• Communicating results and recommendations to internal stakeholders 

What You’ll Need: 

• Proficient in Excel
• Experience working with Salesforce or similar CRMs required 
• Experience Consumer Loan Finance/Underwriting experience (preferred) 
• Experience with a loan origination system (preferred) 

Position Type/Expected Hours of Work: This is a full-time position. Days and hours of work are variable and based on business need. Evening and weekend work may be required as job duties demand.

Physical Requirements: This position is indoors. Must be able to sit at a computer terminal for an extended period. May be asked to lift approximately 25 lbs. Exposure to moderate noise and light, i.e business office with computers, phone, printers, light foot traffic.

Other Duties: Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.

EEO Statement: Auto Approve provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability, or genetics. In addition to federal law requirements, Auto Approve complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities.

Applicants must be legally authorized to work in the United States.