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Auto Finance Underwriter Jobs (NOW HIRING)

Huntington

Auto Finance Credit Manager

Florida, PR · On-site

Auto Finance Underwriting Manager for the Florida/Georgia market. * Oversees all credit operations for auto dealer originated (indirect) consumer loans for specific market. * Personally approves ...

Huntington

REMOTE - Auto Finance Credit Manager

Auto Finance Underwriting Manager for the Florida/Georgia market. * Oversees all credit operations for auto dealer originated (indirect) consumer loans for specific market. * Personally approves ...

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How much do auto finance underwriter jobs pay per hour?

As of Jun 14, 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.

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.
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Auto Finance Credit Manager

Auto Finance Credit Manager

Huntington National Bank

Florida City, FL • On-site, Remote

Full-time

Posted 7 days ago

Huntington National Bank rating

8.0

Company rating: 8.0 out of 10

Based on 163 frontline employees who took The Breakroom Quiz

53rd of 141 rated banks

Job description

Description
Summary:
The Auto Finance Credit Manager oversees all credit operations for auto dealer originated (indirect) consumer loans for a geographic market. Oversees all credit decisions, and personally handles the most complex loans. Develops and maintains business in the market through dealer relations and customer service, and monitors portfolio compliance and risk. Ensures all staff are properly trained, and that all policies/procedures and regulations are complied with. Makes recommendations for policy changes to improve effectiveness.
This position is available in Florida.
Duties & Responsibilities:
  • Auto Finance Underwriting Manager for the Florida/Georgia market.
  • Oversees all credit operations for auto dealer originated (indirect) consumer loans for specific market.
  • Personally approves, denies and negotiates consumer auto credit applications originated through auto dealers and oversees all credit decisions.
  • Develops and maintains business in the market through dealer relations and customer service, and monitors portfolio compliance and risk.
  • Ensures all staff are properly trained and that all policies/procedures and regulations are in compliance.
  • Provide coaching to colleagues as needed to enhance overall performance.
  • Makes recommendations for policy changes to improve effectiveness.
  • Travel is required to make in person visits to dealers in the region building and developing relationships, typically no more than 2 days a month (or quarterly if assigned dealers are out of state and overnight visits required). Subject to current COVID restrictions.
  • Performs other duties as assigned.

Basic Qualifications:
  • Associate degree or an additional 2 years of indirect underwriting experience.
  • Minimum 5 years of indirect underwriting experience.

Preferred Qualifications:
  • Bachelor's degree preferred
  • Computer knowledge working with Microsoft Excel and Pivot tables
  • In market experience highly preferred
  • Prime Auto Underwriting experience
  • Must demonstrate a professional, personable and friendly communication style with a focus on customer service and an ability to interact with all levels of individuals on the telephone and in person.
  • Excellent written communication skills are also required.
  • Must enjoy working independently and effectively in a deadline-driven, multi-task environment, with organization and attention to detail being imperative.

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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