Consumer Underwriter

Ally Financial Underwriting Opportunities

Ally Financial only succeeds when its people do. We see our people as people with interests, families, friends, dreams, and causes that are all important to them. Our focus is on the health and safety of our teammates as well as work-life balance and diversity and inclusion. From generous benefits to a variety of employee resource groups, we strive to build paths that encourage employees to stretch themselves professionally. We want to help you grow, develop, and learn new things. You're constantly evolving, so shouldn't your opportunities be, too?

Responsible for executing and facilitating the day-to-day strategic objectives for a given Consumer Underwriting Sales Territory. The focus will be on supporting the Underwriting Manager and Consumer Underwriters with daily territory maintenance activities.

Maximize portfolio revenue by practicing sound underwriting judgment and risk management principles. Ensure compliance with underwriting policies; elevate risk issues, and stay abreast of constant changes in policy and procedures. Limited travel will be required for this role. Requires flexibility in work schedule, evening hours and weekends may be required. Demonstrated strong performance in managing key relationships and / or key markets to drive business plan results.

The skills you bring :

• Associate Underwriter : High school / GED is required; bachelor's degree is preferred. 1+ years in auto finance consumer underwriting (prime, sub-prime, and / or non-prime), or financial services is preferred. Ability to perform technical based activities. Knowledge of and exposure to fundamental theories, principles, and concepts. Demonstrating technical expertise and relationships to supply to strategy and drive business results. Familiar with the Auto Finance industry, consumer credit, trend analysis / analytics. Excellent sales, negotiation, problem solving, and analytical skills. Must be an independent worker with strong time leadership skills.
• Underwriter : High school / GED is required; bachelor's degree is preferred. 1+ years in auto finance consumer underwriting (prime, sub-prime, and / or non-prime), or financial services is required. Ability to perform technical based activities. Knowledge of and exposure to fundamental theories, principles, and concepts. Demonstrating technical expertise and relationships to supply to strategy and drive business results. Familiar with the Auto Finance industry, consumer credit, trend analysis / analytics. Excellent sales, negotiation, problem solving, and analytical skills. Must be an independent worker with strong time leadership skills.
• Sr. Underwriter : High school / GED required; bachelor's degree strongly preferred. 3+ years in auto finance underwriting (prime, sub-prime, and / or non-prime) is required; 5+ years in auto finance underwriting experience preferred. 2+ years leadership experience preferred. Ability to provide advice / direction in primary areas of expertise leveraging technical expertise and relationships to contribute to strategy and drive business results. Contribute to and manage projects. Excellent sales, negotiation, problem solving, analytical, and project management skills. Exemplary dealer relationship management skills. Advanced knowledge of Microsoft Office Programs.

Ally's compensation program offers market-competitive base pay and pay-for-performance incentives (bonuses) based on achieving personal and company goals. But Ally's total compensation - or total rewards - extends beyond your paycheck and is designed to support and enrich your personal and professional life, including :

Ally Financial is a customer-centric, leading digital financial services company with passionate customer service and innovative financial solutions. We are relentlessly focused on "Doing it Right" and being a trusted financial-services provider to our consumer, commercial, and corporate customers.

Ally is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, sexual orientation, gender identity or expression, pregnancy status, marital status, military or veteran status, genetic disposition or any other reason protected by law. Where permitted by applicable law, must have received or be willing to receive the COVID-19 vaccine by date of hire to be considered, if not currently employed by Ally. We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. For accommodation requests, email us at work@ally.com. Ally will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation.