Associate Consumer Underwriter - Northeast Region

About the role

The Consumer Underwriter – Auto Finance role at Ally Financial is a key position within the Ally Auto framework. This role involves evaluating, negotiating, and making decisions on consumer offerings while maintaining Ally's risk management principles.

Responsibilities

• Increase dealer portfolio revenue by practicing sound underwriting judgment and upholding Ally’s risk management principles
• Leverage high-touch and high-tech capabilities to negotiate contracts
• Demonstrate market awareness, strong listening, and adaptability as you build and cultivate strong relationships with dealers
• Requires flexibility in work schedule; evening hours, limited travel, and weekends required

Requirements

• 0+ years of experience
• A high school diploma or GED equivalent
• Preferred: Bachelor’s degree in finance, economics, or a related field
• 1+ years in auto finance consumer underwriting (prime, sub-prime, and/or non-prime), or financial services
• 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

Qualifications

• High school/GED is required; bachelor’s degree is preferred

Skills

• 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
• 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

Benefits

• Time Away: Program starts at 20 paid time off days in addition to 11 paid holidays and 8 hours of volunteer time off yearly (time off days are prorated based on start date and program varies based on full or part-time status and management level)
• Planning for the Future: plan for the near and long term with an industry-leading 401K retirement savings plan with matching and company contributions, student loan pay downs and 529 educational save up assistance programs, tuition reimbursement, employee stock purchase plan, and financial learning center and financial coach access
• Supporting your Health & Well-being: flexible health and insurance options including medical, dental and vision, employee, spouse and child life insurance, short- and long-term disability, pre-tax Health Savings Account with employer contributions, Healthcare FSA, critical illness, accident & hospital indemnity insurance, and a total well-being program that helps you and your family stay on track physically, socially, emotionally, and financially
• Building a Family: adoption, surrogacy and fertility assistance as well as paid parental and caregiver leave, Dependent Day Care FSA back-up child and adult/elder care days and childcare discounts
• Work-Life Integration: other benefits including Mentally Fit Employee Assistance Program, subsidized and discounted Weight Watchers® program and other employee discount programs

Pay

Base Pay Range: $47840 - $75000 USD

Schedule

Work Schedule: Ally designates roles as (1) fully on-site, (2) hybrid, or (3) fully remote. Hybrid roles are generally expected to be in the office a certain number of days per week as indicated by your manager. Your hiring manager will discuss this role's specific work requirements with you during the hiring process. All work requirements are subject to change at any time based on leader discretion and/or business need.