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$5

$25

$37

How much do auto finance underwriter jobs pay per hour?

As of Jul 4, 2026, the average hourly pay for auto finance underwriter in the United States is $25.88, according to ZipRecruiter salary data. Most workers in this role earn between $22.60 and $26.20 per hour, depending on experience, location, and employer.

What is the highest paying underwriting job?

Senior auto finance underwriters or those in executive underwriting roles tend to have the highest salaries in the underwriting field, often earning six-figure incomes. Advanced certifications, extensive experience, and leadership responsibilities typically contribute to higher compensation in these positions.

How much does an underwriter make at auto Owners?

An auto finance underwriter at Auto Owners typically earns between $50,000 and $70,000 annually, depending on experience and location. Entry-level underwriters may start lower, while experienced professionals with specialized skills can earn higher salaries, often supplemented with benefits and bonuses.

What is underwriting in auto finance?

Auto finance underwriters evaluate loan applications to determine the borrower's creditworthiness and the risk of financing a vehicle. They review financial documents, credit reports, and vehicle details to decide whether to approve, deny, or modify loan terms, often using specialized underwriting software. Strong analytical skills and knowledge of credit policies are essential for this role.

How does an Auto Finance Underwriter typically collaborate with dealership staff and loan officers during the loan approval process?

Auto Finance Underwriters frequently work closely with dealership staff and loan officers to assess and process auto loan applications. They review credit reports, verify documentation, and clarify any discrepancies by communicating directly with dealers or loan officers. This collaboration ensures that all necessary information is accurate and complete, helping to expedite the decision-making process. Strong interpersonal and communication skills are essential for resolving issues quickly and maintaining positive working relationships across teams.

What are the key skills and qualifications needed to thrive as an Auto Finance Underwriter, and why are they important?

To thrive as an Auto Finance Underwriter, you need strong analytical skills, a solid grasp of credit risk assessment, and a background in finance or a related field. Familiarity with loan origination systems, credit bureau software, and sometimes certification in consumer lending are typically required. Attention to detail, sound judgment, and effective communication are vital soft skills for evaluating applicants and collaborating with sales teams. These abilities ensure accurate risk assessment, compliance with regulations, and sound lending decisions that protect the institution’s interests.

What is the difference between Auto Finance Underwriter vs Auto Loan Processor?

AspectAuto Finance UnderwriterAuto Loan Processor
CredentialsTypically requires a bachelor's degree in finance, business, or related field; certifications like CAMS or similar are commonOften requires a high school diploma or equivalent; some roles prefer associate degrees or relevant experience
Work EnvironmentWorks in finance or lending departments, analyzing loan applications and assessing riskWorks in loan processing teams, gathering documents and preparing files for approval
Employer & Industry UsageUsed by banks, credit unions, and auto lenders during the loan approval processEmployed by similar financial institutions to facilitate loan documentation and processing

The main difference is that Auto Finance Underwriters evaluate the risk and approve or deny auto loan applications, while Auto Loan Processors handle the documentation and prepare files for approval. Both roles are essential in the auto lending industry but focus on different stages of the loan process.

What does an Auto Finance Underwriter do?

An Auto Finance Underwriter is responsible for evaluating loan applications for vehicle purchases to determine the creditworthiness of applicants. They review financial documents, credit histories, and other relevant information to assess risk and decide whether to approve or deny the loan request. Their job also involves ensuring that all loans comply with industry regulations and company policies while minimizing financial risk for the lender. Effective underwriters balance risk management with customer service, playing a key role in the auto lending process.

How to become an auto loan underwriter?

To become an auto finance underwriter, candidates typically need a bachelor's degree in finance, business, or a related field, along with strong analytical and credit assessment skills. Gaining experience in lending, credit analysis, or underwriting, and obtaining relevant certifications such as the Certified Auto Finance Professional (CAFP), can improve job prospects. Proficiency with underwriting software and understanding of auto loan policies are also important.
More about Auto Finance Underwriter jobs
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Auto Finance Underwriter jobs near you
Infographic showing various Auto Finance Underwriter job openings in the United States as of June 2026, with employment types broken down into 2% As Needed, 6% Full Time, 74% Part Time, and 18% Contract. Highlights an 83% Physical, 6% Hybrid, and 11% Remote job distribution, with an average salary of $53,827 per year, or $25.9 per hour.

Commercial Relationship Mgr, Auto Finance

Huntington

Montevallo, AL • On-site, Remote

Full-time

Posted 15 days ago

Job description

Description

Summary:

The Auto Finance Portfolio Manager III Services, deepens, and retains assigned profitable customer relationships by pro-actively evaluating and mitigating associated business risks and opportunities, per established Huntington policies, procedures, and Guiding Principles. Owns primary responsibility for the credit and monitoring of Auto Finance portfolio risks. Must have demonstrated, extensive formal credit training and experience as approval officer in Commercial Auto Finance.

This position is available in the states listed.
Duties & Responsibilities:

  • Candidate will develop automotive dealership new client relationships through outside calling sales activities in assigned market area.
  • Uncovering and negotiating new commercial loan business, banking products and services opportunities for new dealer prospects.
  • Working through assigned credit partners candidate would follow credit policy, structures, underwriting guidelines and make recommendations to originate dealer commercial loans.
  • Services portfolio through required dealer monitoring, and financial review while continuously prospecting new customers.
  • Manages portfolio, assesses area market risks and general business conditions.
  • May assist Product Specialists in selling and servicing various bank products.
  • Deals with very large credit exposures and most complex loans, including syndications.
  • May organize work and deal flow and/or coach other Bank colleagues.
  • Some travel may be required.
  • Performs other duties as assigned.


Basic Qualifications:

  • 5+ years working with multiple automotive dealer groups
  • 5+ years Commercial (Auto) Finance Underwriting Experience
  • 5+ years Commercial (Auto) Sales Experience
  • Bachelor's Degree


Preferred Qualifications:

  • Excellent verbal and written communication skills
  • Strong sales and negotiation skills
  • Commercial Financial Analysis Comprehension and Review
  • Local Automotive Dealer knowledge and existing relationships


Exempt Status: (Yes= not eligible for overtime pay) (No= eligible for overtime pay)

Yes

Workplace Type:

Remote

Our Approach to Office Workplace Type

Certain positions outside our branch network may be eligible for a flexible work arrangement. We're combining the best of both worlds: in-office and work from home. Our approach enables our teams to deepen connections, maintain a strong community, and do their best work. Remote roles will also have the opportunity to come together in our offices for moments that matter. Specific work arrangements will be provided by the hiring team.

Huntington is an Equal Opportunity Employer.

Tobacco-Free Hiring Practice: Visit Huntington's Career Web Site for more details.

Note to Agency Recruiters: Huntington Bank will not pay a fee for any placement resulting from the receipt of an unsolicited resume. All unsolicited resumes sent to any Huntington Bank colleagues, directly or indirectly, will be considered Huntington Bank property. Recruiting agencies must have a valid, written and fully executed Master Service Agreement and Statement of Work for consideration.

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