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Auto Loan Underwriter Jobs (NOW HIRING)

Maine Credit Union League

$68 - $83/hr

Review and underwrite consumer loan applications, including direct auto loans, personal loans, recreational vehicle loans, unsecured loans, credit cards, and other consumer lending products.

Home Bank

Senior Consumer Loan Underwriter

Lafayette, LA · On-site

$70 - $90/hr

Senior Consumer Loan Underwriter Active - Regular full-time Hourly Kaliste Saloom.Annex, Lafayette ... Auto Loans, Unsecured Loans, Construction Loans, Mobile Home Loans and all types of Real Estate ...

Branch 63

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Indirect Loan Underwriter

Austin, TX · On-site

$56K - $74K/yr

Direct Hire Indirect Underwriter Purpose : Performs a variety of duties in the Indirect Loan ... auto loan requests within the limits prescribed by policy and procedure. Actively promotes a work ...

Maine Credit Union League

$81 - $99/hr

Underwriter will evaluate, structure, and approve consumer auto loan applications for borrowers with sub-prime credit profiles across both thedirect and indirect auto lending channels. This role ...

Mariner Finance

Auto Underwriter I

Eagan, MN · On-site

$24.90 - $30.14/hr

Be responsible for evaluating and underwriting Direct Auto loan applications; providing decisions on a timely basis and in compliance with company lending policies and guidelines. Support the Direct ...

Mariner Finance

Auto Underwriter I

Eagan, MN · On-site

$24.90 - $30.14/hr

Be responsible for evaluating and underwriting Direct Auto loan applications; providing decisions on a timely basis and in compliance with company lending policies and guidelines. Support the Direct ...

Addison Group

Indirect Underwriter

Austin, TX · On-site

$70K - $82K/yr

Experience evaluating and approving or declining consumer auto loans within established lending ... Strong credit analysis and underwriting skills. * Knowledge of consumer lending regulations and ...

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Auto Loan Underwriter information

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How much do auto loan underwriter jobs pay per hour?

As of Sep 7, 2026, the average hourly pay for auto loan underwriter in the United States is $30.00, according to ZipRecruiter salary data. Most workers in this role earn between $25.00 and $33.17 per hour, depending on experience, location, and employer.

What does an auto loan underwriter do?

An auto loan underwriter analyzes a vehicle loan application and decides to approve or deny financing. In this career, your duties include collecting financial data from the person seeking a vehicle loan, either face-to-face or over the phone. Your responsibilities can also include negotiating with the customer about down payments, interest rates, and other issues. Occasionally, you help a customer find a loan that fits their needs and financial situation. You document your research and risk assessment findings and ensure that the lending process meets legal requirements.

What does an auto loan underwriter do?

An Auto Loan Underwriter evaluates loan applications for car purchases to determine if the applicant qualifies for financing. They review credit reports, income, employment history, and the value of the vehicle to assess risk and make approval decisions. The underwriter ensures that the loan terms meet both the lender's guidelines and regulatory requirements, helping to minimize default risk. Their work is crucial to balancing the needs of both borrowers and lenders in the auto finance process.

What are the key skills and qualifications needed to thrive as an auto loan underwriter?

To thrive as an Auto Loan Underwriter, you need strong analytical skills, attention to detail, and a solid understanding of credit risk and lending guidelines, typically backed by experience in finance or a related field. Familiarity with loan origination systems, credit bureau reports, and underwriting software is essential. Exceptional decision-making, communication, and customer service skills help you explain decisions and collaborate with dealers or applicants. These abilities ensure accurate risk assessment, regulatory compliance, and a positive lending experience for all parties involved.

How does an auto loan underwriter typically collaborate with sales teams and loan processors during the approval process?

Auto Loan Underwriters work closely with both sales teams and loan processors to ensure a smooth and efficient loan approval process. They review and assess applications, often clarifying documentation or requesting additional information via the loan processors. Collaboration with sales teams is important to balance risk assessment with customer service, as underwriters may need to explain approval conditions or help find alternative solutions for borderline applicants. Effective communication and teamwork are key to meeting tight deadlines and maintaining a positive customer experience.

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

AspectAuto Loan UnderwriterAuto Loan Processor
Primary RoleAssess and approve loan applications based on risk analysisGather documents, verify information, and prepare loan files
Required CredentialsCredit analysis skills, knowledge of lending guidelinesAttention to detail, organizational skills
Work EnvironmentOffice-based, analytical settingOffice, customer service interactions
Industry UsageFinancial institutions, banks, credit unionsFinancial institutions, banks, credit unions

Auto Loan Underwriters focus on evaluating loan applications and making approval decisions, while Auto Loan Processors handle the documentation and preparation of loan files. Both roles are essential in the auto lending process and often work closely within the same environment.

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Auto Loan Underwriter jobs near you
Infographic showing various Auto Loan Underwriter job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 73% Full Time, 22% Part Time, 3% Contract, and 1% Nights. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $62,410 per year, or $30 per hour.

Auto Loan Underwriter

VERSYS AUTO FINANCE LLC

Oakland Park, FL

Full-time

Re-posted yesterday

Job description

We are looking for a bilingual person to underwrite auto loans and help with auto

sales. No experience is necessary. We will teach you.