JPMorgan Chase Underwriter II - Auto Finance - Houston, TX in Houston, Texas

As an Underwriter II, you will review credit applications and render appropriate credit decision within credit policy requirements and in compliance with all regulations. You will decision automobile applications submitted by our dealership clients, placing an emphasis on response time, quantity of applicants processed, and quality of application decisions. You will structure decisions to maximize profit and enhance dealer relationships. You will meet or exceed agreed upon targets for return on equity, volume, conversion ratios, and other business metrics. You will coordinate with indirect Relationship Managers and assist with on-going business development via telephone and through a scheduled outside calling effort. You will initiate sales calls via telephone, and where appropriate, prepare written follow-up. Additionally, you will provide prompt, accurate responses to all internal and external customer inquiries.

Department Hours : Candidates must be flexible to work shifts within the department's operational hours depending on business needs, which may include rotating evenings and/or weekends. Currently, the department is open as follows:

Monday - Friday, 8:00 AM - 8:00 PM

Saturday, 9:00 AM - 7:00 PM

Work Schedule Hours : 8am to 5pm Monday thru Friday (rotating Saturdays with comp days during the week). Six to eight late nights per month from 11am to 8pm (or as business needs require)

  • Three to five years of underwriting experience required

  • Auto Finance experience strongly desired

  • 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

  • A comprehensive knowledge of indirect loan and lease programs, bank products and services

  • PC experience 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 report required

  • Prior sales experience preferred

JPMorgan Chase is an equal opportunity and affirmative action employer Disability/Veteran.