Indirect Underwriter

About the role

We are seeking an experienced Indirect Loan Officer to join a growing financial institution. This role is responsible for evaluating and approving indirect consumer loan applications, maintaining strong dealer relationships, and delivering exceptional service to members and business partners.

Responsibilities

• Review, analyze, and make credit decisions on indirect consumer loan applications within assigned lending authority.
• Interview applicants, process loan applications, prepare loan documentation, and coordinate loan closings.
• Build and maintain strong relationships with automotive, marine, and other indirect lending partners.
• Communicate with dealers, members, and third parties regarding loan products, application status, and financing options.
• Maintain loan production goals while monitoring portfolio quality and delinquency levels.
• Cross-sell financial products and services by identifying member needs and recommending appropriate solutions.
• Assist members with account-related questions and provide professional, high-quality customer service by phone and in person.
• Process transactions accurately using loan origination systems, credit bureau platforms, and other lending technologies.
• Assist with collections on assigned delinquent accounts.
• Perform quality assurance reviews and support internal audits to ensure compliance with lending policies and procedures.
• Train and mentor team members while promoting service excellence and regulatory compliance.
• Collaborate with departments across the organization to support operational efficiency and member satisfaction.
• Maintain accurate records while safeguarding confidential financial information.
• Perform additional duties as assigned.

Requirements

• High school diploma or equivalent.
• Minimum of 3 years of indirect auto lending experience.
• Experience evaluating and approving or declining consumer auto loans within established lending authority.
• Strong understanding of dealership lending practices and indirect financing.
• Valid Texas driver's license and proof of current automobile insurance.
• Ability to maintain confidentiality and exercise sound judgment.
• Ability to work independently while contributing to a collaborative team environment.
• Regular, reliable attendance.

Preferred Qualifications

• Advanced knowledge of consumer lending, credit analysis, and loan underwriting.
• Experience working in a financial institution or consumer lending environment.
• Familiarity with loan origination systems and credit bureau platforms.

Skills

• Strong credit analysis and underwriting skills.
• Knowledge of consumer lending regulations and compliance requirements, including fair lending and consumer protection laws.
• Excellent verbal and written communication skills.
• Strong organizational skills with the ability to manage multiple priorities in a fast-paced environment.
• High level of professionalism, integrity, and attention to detail.
• Ability to build and maintain productive relationships with dealers, members, and internal teams.
• Proficiency with Microsoft Office and lending software.

Location

Austin, TX (Hybrid)

Pay

$70,000 – $82,000

Benefits

• Medical
• Dental
• Vision
• 401k Match