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Auto Finance Underwriter Jobs (NOW HIRING)

United Auto Credit

Credit Analyst - Auto Finance

Buffalo, NY · On-site

$28.50 - $33.50/hr

Consumer auto finance or underwriting in financial services experience preferred * No certifications or licenses required Technical Skills * Proficient in Microsoft Office, Google G Suite, and Teams ...

United Auto Credit

Credit Analyst - Auto Finance

Atlanta, GA · On-site

$28.50 - $33.50/hr

Consumer auto finance or underwriting in financial services experience preferred * No certifications or licenses required Technical Skills * Proficient in Microsoft Office, Google G Suite, and Teams ...

Huntington

Auto Finance Market Manager 3

Florida, PR · On-site +1

Description The Auto Finance Market Manager III is responsible for indirect retail & commercial ... commercial / indirect underwriting teams, analysis, planning, marketing, budget management ...

United Auto Credit

Credit Analyst - Auto Finance

Buffalo, NY · On-site

$28.50 - $33.50/hr

Consumer auto finance or underwriting in financial services experience preferred * No certifications or licenses required Technical Skills * Proficient in Microsoft Office, Google G Suite, and Teams ...

Huntington

Auto Finance Market Manager 3

Winter Park, FL · On-site +1

$125K - $255K/yr

Description The Auto Finance Market Manager III is responsible for indirect retail & commercial ... commercial / indirect underwriting teams, analysis, planning, marketing, budget management ...

JPMorgan Chase & Co.

Auto - Underwriter III

Tempe, AZ · On-site

As an Underwriter III in Auto Finance, you will play a crucial role in reviewing policy and pricing exceptions and supporting daily operations. Your responsibilities will include structuring ...

JPMorgan Chase & Co

Auto - Underwriter III

Tempe, AZ · Hybrid

As an Underwriter III in Auto Finance, you will play a crucial role in reviewing policy and pricing exceptions and supporting daily operations. Your responsibilities will include structuring ...

JP Morgan Chase

Auto - Underwriter III

Tempe, AZ · Hybrid

As an Underwriter III in Auto Finance, you will play a crucial role in reviewing policy and pricing exceptions and supporting daily operations. Your responsibilities will include structuring ...

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Auto Finance Underwriter information

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How much do auto finance underwriter jobs pay per hour?

As of Aug 15, 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?

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 Underwriter jobs near you
Infographic showing various Auto Finance Underwriter job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 72% Full Time, 22% Part Time, and 5% Contract. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $53,827 per year, or $25.9 per hour.

Loan Officer - Auto Finance

Hankey Group External

Agoura Hills, CA • On-site

$110K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 12 days ago

Job description

Westlake Financial is the largest privately held auto finance company in the Nation. We are committed to growing and strengthening our organization by hiring the people that make Westlake World (our culture) what it is. Through hiring the best fitting applicant and supporting our people in further developing their skills, we transition our Applicants into Westlake Warriors (our people).
With 30% YOY growth and assets of 2.26 Billion, we are always looking to acquire talented individuals as we expand our presence in the Auto Finance Industry. Westlake Financial believes in PEOPLE with the PURPOSE and PASSION to assist our more than 22,000 dealer partners throughout North America.
Why Join Westlake Financial?Westlake Financial is a leader in the auto finance industry, providing innovative and flexible lending solutions to our clients. We value our employees and offer opportunities for growth, a dynamic work environment, and a commitment to diversity and inclusion. If you're passionate about helping people achieve their financial goals and enjoy working in a collaborative, high-energy environment, we'd love to have you join our team.
Job Summary
Westlake Financial Services is seeking a dedicated and results-driven Loan Officer to join our Auto Finance team. As a Loan Officer, you will play a critical role in our lending process, working closely with car dealerships and clients to assess and approve auto loans. You will be responsible for evaluating loan applications, making informed lending decisions, and providing exceptional customer service to help clients achieve their vehicle financing needs.
Key Responsibilities
  • Loan Origination: Review and process auto loan applications, ensuring they meet company and regulatory requirements.
  • Application Analysis: Analyze applicants' financial backgrounds, credit histories, and other relevant information to assess risk and determine loan eligibility.
  • Decision Making: Make loan approval or rejection decisions based on financial data, risk analysis, and company guidelines.
  • Relationship Management: Build and maintain strong relationships with car dealerships, providing guidance on Westlake Financial Services' loan products and criteria.
  • Compliance and Documentation: Ensure all loan files comply with state and federal lending regulations, complete all necessary documentation, and update loan records accurately.
  • Customer Support: Provide excellent customer service to clients by addressing inquiries, assisting with loan requirements, and offering financial guidance.
  • Sales Collaboration: Work closely with the sales team to maximize loan opportunities, support marketing initiatives, and promote our products to new and existing clients.
  • Reporting: Regularly report on loan performance, application volume, and approval/decline rates to provide insights and support business objectives.

Requirements
  • Experience: 2-4 years of experience in loan origination or underwriting, preferably in auto finance or consumer lending.
  • Education: Bachelor's degree in finance, business, or a related field (preferred) or equivalent experience.
  • Skills:

    • Strong analytical skills with the ability to assess financial data and make sound lending decisions.
    • Excellent communication skills, both verbal and written, to effectively interact with dealerships, clients, and internal teams.
    • High level of attention to detail, ensuring accuracy in documentation and compliance with regulatory standards.
    • Proficiency in financial software, loan origination systems, and Microsoft Office Suite (Excel, Word, Outlook).

  • Knowledge:

    • In-depth knowledge of auto finance lending practices, credit analysis, and risk assessment.
    • Familiarity with state and federal regulations governing consumer lending.
    • Understanding of credit scoring models and loan approval criteria.

  • Attributes:

    • Strong customer service orientation with a commitment to client satisfaction.
    • Ability to work independently, meet deadlines, and manage multiple tasks in a fast-paced environment.
    • Results-oriented with a proactive approach to identifying opportunities for loan growth and process improvements.

Preferred Qualifications
  • Experience working with car dealerships and a network of automotive industry contacts.
  • Knowledge of Westlake Financial Services' products and processes.

COMPENSATION PLAN
  • Annual Total Comp $110,000.00 = Total max comp with monthly bonuses
  • Annual Base $47,985.60 = $23.07/hr
  • The exact starting compensation to be offered will be determined at the time of selecting an applicant for hire and will be dependent on a wide range of factors, including but not limited to geographic location, skill set, experience, education, credentials, and licensure when applicable

The exact starting compensation to be offered will be determined at the time of selecting an applicant for hire and will be dependent on a wide range of factors, including but not limited to geographic location, skill set, experience, education, credentials, and licensure when applicable.
FULL TIME BENEFITS
  • Medical, Dental, and Vision benefits
  • Life Insurance and Long-term disability plans
  • Flexible Spending Account
  • 401K matching
  • Employee Stock Ownership Program in a $18.2 Billion Company, plus company matching
  • Wellness Programs
  • Metro Tap Card and Metro-link Reimbursement (for Los Angeles, CA employees only)
  • Career Path Opportunities
  • Discounts on Parks, Museums, Movie Tickets, and Attractions
  • Annual Flu Shot
  • Paid Vacations Days
  • Paid Sick days
  • Paid holidays
  • HGym (available in our Los Angeles, CA & Dallas,TX office)
  • Rental Car Discounts, Dell Member Purchase Program
  • UKG Wallet

CONTACT US
https://www.westlakefinancial.com/careers/
ACKNOWLEDGMENTS
We will consider for employment all qualified Applicants, including those with Criminal Histories, in a manner consistent with the requirements of applicable state and local laws, including the City of Los Angeles' Fair Chance Initiative for Hiring Ordinance.
We are an equal opportunity employer and do not unlawfully discriminate in employment. No question on this application is used for the purpose of limiting or excluding any applicant from consideration for employment on a basis prohibited by local, state, or federal law. Equal access to employment, services,
and programs is available to all persons. Those applicants requiring reasonable accommodation to the application and/or interview process should notify a representative of the organization.
Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights notice from the Department of Labor.

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