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Auto Underwriter Jobs (NOW HIRING)

JPMorgan Chase & Co.

Join our dynamic team as an Auto Underwriter II, where you can work from the comfort of your home. As an Underwriter II in Chase Auto Indirect Originations Underwriting, you will review policy and ...

First Investors Financial Services, Inc.

Lease Credit Analyst II (Auto Underwriter) Stellantis Financial Services (SFS) is the new captive finance company for one of the world's leading automakers and a mobility provider with iconic brands ...

First Investors Financial Services, Inc.

Lease Credit Analyst I (Auto Underwriter) Stellantis Financial Services (SFS) is the new captive finance company for one of the world's leading automakers and a mobility provider with iconic brands ...

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How much do auto underwriter jobs pay per year?

As of Sep 14, 2026, the average yearly pay for auto underwriter in the United States is $78,878.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $87,000.00 per year, depending on experience, location, and employer.

What is an auto underwriter?

An Auto Underwriter is responsible for evaluating insurance applications to determine the risk associated with insuring a vehicle and its driver. They analyze factors such as driving history, credit score, vehicle details, and claims history to assess eligibility and set premium rates. Using underwriting guidelines and risk assessment models, they ensure policies comply with company standards while maintaining profitability. Auto Underwriters often collaborate with agents, adjusters, and other stakeholders to make informed decisions. Their role is crucial in balancing risk while offering competitive insurance policies.

What does an auto underwriter do?

A typical day for an Auto Underwriter involves reviewing auto insurance applications, analyzing applicant information, and assessing risk to determine appropriate coverage and premium rates. You’ll frequently use specialized underwriting software and collaborate with insurance agents, brokers, and sometimes clients directly to gather additional details or clarify information. Regular tasks include making approval or denial decisions, adjusting policy conditions, and documenting your assessments. In addition, you may attend team meetings to discuss complex cases and keep updated on evolving underwriting guidelines. The role is a balance of independent analysis and team collaboration, offering a dynamic and engaging work environment.

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

To thrive as an Auto Underwriter, you need strong analytical abilities, attention to detail, and a solid understanding of risk assessment principles, often supported by a degree in finance, business, or a related field. Familiarity with underwriting software, insurance databases, and sometimes certifications like CPCU or AINS is highly valuable. Excellent communication, problem-solving skills, and a customer-focused mindset help distinguish top performers in this field. These capabilities are crucial for accurately evaluating insurance applications, minimizing risk, and building positive client relationships.

How to become an auto underwriter?

To become an auto underwriter, typically one needs a bachelor's degree in finance, insurance, or a related field, along with strong analytical and communication skills. Gaining experience in insurance underwriting or claims processing and obtaining relevant certifications, such as the Chartered Property Casualty Underwriter (CPCU), can improve job prospects. Proficiency with underwriting software and knowledge of auto insurance policies are also important.
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Auto Underwriter jobs near you
Infographic showing various Auto Underwriter job openings in the United States as of September 2026, with employment types broken down into 1% As Needed, 76% Full Time, 19% Part Time, 3% Contract, and 1% Nights. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Auto Underwriter II - Private Label

Tempe, AZ • On-site

JPMorgan Chase & Co.
Finance and Insurance • 10K+ employees
Learn more about JPMorgan Chase & Co.external

Other

Posted 12 days ago

JPMorgan Chase & Co. rating

7.9

Company rating: 7.9 out of 10

Based on 500 frontline employees who took The Breakroom Quiz

Job description

Join our dynamic team as an Auto Underwriter II, where you can work from the comfort of your home.

As an Underwriter II in Chase Auto Indirect Originations Underwriting, you will review policy and pricing exceptions, support daily underwriting operations, and make timely credit decisions that help us serve dealers and customers responsibly. You will work with us to structure decisions that balance strong returns with long-term relationship health, while meeting clear expectations for response time, throughput, and decision quality. You will contribute to targets for return on equity, volume, and conversion metrics by applying sound judgment and consistent risk discipline. You will also help us strengthen partnerships by initiating proactive outreach and providing prompt, accurate responses to internal and external inquiries. You will join a team that values collaboration, accountability, and continuous improvement in how we deliver decisions.

Job responsibilities:
  • Review credit applications and render the appropriate credit decision within credit policy requirements and in compliance with all regulations
  • Review policy and/or pricing exceptions and assist in daily operations
  • Structure decisions to maximize profit and enhance relationships
  • Review and approve automobile applications submitted by our clients, placing an emphasis on response time, quantity of applications processed, and quality of applications approved
  • Meet or exceed agreed upon targets for return on equity, volume, conversion ratios, and other business metrics
  • Initiate sales calls via telephone, and where appropriate, prepare written follow-up
  • Provide prompt, accurate responses to all internal and external customer inquiries
Required qualifications, capabilities and skills:
  • 2+ years of credit experience, with Auto Finance experience
  • Experience reviewing credit bureau reports
  • Highly skilled in credit decisioning, solid understanding of consumer credit and applicable federal and state regulations relative to consumer lending
  • Comprehensive knowledge of indirect loan and lease programs, bank products, and services
  • PC literate with a good working knowledge of common application software
  • Expert knowledge of credit philosophy and policies, loan documentation, and related legal issues.
  • Thorough knowledge of the Bank's policies and procedures, as well as its products and their inherent risks.
  • Superior analytical skills supported by excellent written and verbal communication skills.
  • Results-oriented with a high level of personal initiative and proven leadership ability
  • Demonstrated judgment and ability to act decisively
Preferred qualifications, capabilities and skills:
  • Sales experience preferred

The hours are Monday-Friday 11am-8pm w/Rotating Saturday's

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