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Credito Real USA Finance LLC Loan Underwriter in Ft. Lauderdale, Florida

POSITION SUMMARY

Credito Real USA Finance is one of the nation’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

QUALIFICATIONS:

  • 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

  • Must be in the office Monday-Wednesday-Friday (hybrid role).

COMPENSATION :

$55,000 salary + 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

Employer’s Rights:

  • This job description does not list all the duties of the job. You may be asked by your supervisors or managers to perform other duties. You will be evaluated in part based upon your performance of the tasks listed in this job description.

  • The employer has the right to revise this job description at any time. This job description is not a contract for employment, and either you or the employer may terminate employment at any time, for any reason.

AN EQUAL OPPORTUNITY EMPLOYER M/F/Vet/Disabled/SO

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