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Indirect Underwriter Jobs (NOW HIRING)

Addison Group

Indirect Underwriter

Austin, TX · On-site

$70K - $82K/yr

Strong understanding of dealership lending practices and indirect financing. Preferred Qualifications * Advanced knowledge of consumer lending, credit analysis, and loan underwriting. * Experience ...

Addison Group

Indirect Underwriter

Austin, TX · On-site

$70K - $82K/yr

Strong understanding of dealership lending practices and indirect financing. Preferred Qualifications * Advanced knowledge of consumer lending, credit analysis, and loan underwriting. * Experience ...

VELOCITY CREDIT UNION

Indirect Underwriter

Austin, TX · Hybrid

Indirect Underwriter *This position is hybrid-remote and will require on-site work at our North Austin headquarters.* We are looking for dynamic, extraordinary, and self-motivated individuals with a ...

VELOCITY CREDIT UNION

Indirect Underwriter

Austin, TX · On-site

Indirect Underwriter *This position is hybrid-remote and will require on-site work at our North Austin headquarters.* We are looking for dynamic, extraordinary, and self-motivated individuals with a ...

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Indirect Underwriter information

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$32.5K

$78.9K

$139.5K

How much do indirect underwriter jobs pay per year?

As of Aug 26, 2026, the average yearly pay for indirect 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 indirect underwriter?

An Indirect Underwriter evaluates and assesses loan applications submitted through third-party channels, such as auto dealerships or financial institutions, to determine credit risk and compliance with lending guidelines. They analyze credit reports, financial statements, and other relevant documentation to make informed lending decisions. The role requires strong attention to detail, knowledge of underwriting policies, and the ability to assess risk while ensuring adherence to company and regulatory standards.

What are some typical challenges faced by indirect underwriters, and how are they managed day-to-day?

Indirect Underwriters often encounter challenges such as evaluating complex credit applications, managing high volumes of loan submissions, and ensuring compliance with evolving regulations. On a typical day, they must balance risk assessment with the need for timely decisions to support dealer relationships and customer satisfaction. Effective communication with sales teams and external partners is crucial to clarify documentation or application issues. Being detail-oriented and organized helps Indirect Underwriters manage these challenges efficiently and maintain the accuracy and integrity of the loan approval process.

What are the key skills and qualifications needed to thrive as an indirect underwriter, and why are they important?

To thrive as an Indirect Underwriter, you need strong analytical skills, risk assessment expertise, and knowledge of lending policies, supported by a bachelor’s degree in finance, business, or a related field. Familiarity with loan origination systems, automated underwriting platforms, and compliance regulations such as FCRA and Dodd-Frank is essential. Exceptional attention to detail, effective communication, and the ability to work collaboratively with dealers and lending partners are key soft skills for this role. These abilities ensure accurate, compliant decision-making and foster strong relationships with business partners in the indirect lending process.

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Indirect Underwriter jobs near you
Infographic showing various Indirect Underwriter job openings in the United States as of August 2026, with employment types broken down into 93% Full Time, and 7% Part Time. Highlights an 80% In-person, 7% Hybrid, and 13% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Indirect Underwriter

Addison Group

Austin, TX • On-site

$70K - $82K/yr

Other

Medical, Dental, Vision, Retirement

Posted 22 days ago

Job description

Indirect Loan Officer

Position Summary

We are seeking an experienced Indirect Loan Officer to join a growing financial institution. This role is responsible for evaluating and approving indirect consumer loan applications, maintaining strong dealer relationships, and delivering exceptional service to members and business partners. The ideal candidate has a strong background in indirect auto lending, sound credit judgment, and the ability to make timely lending decisions while ensuring compliance with applicable regulations and internal policies.

Key Responsibilities

  • Review, analyze, and make credit decisions on indirect consumer loan applications within assigned lending authority.
  • Interview applicants, process loan applications, prepare loan documentation, and coordinate loan closings.
  • Build and maintain strong relationships with automotive, marine, and other indirect lending partners.
  • Communicate with dealers, members, and third parties regarding loan products, application status, and financing options.
  • Maintain loan production goals while monitoring portfolio quality and delinquency levels.
  • Cross-sell financial products and services by identifying member needs and recommending appropriate solutions.
  • Assist members with account-related questions and provide professional, high-quality customer service by phone and in person.
  • Process transactions accurately using loan origination systems, credit bureau platforms, and other lending technologies.
  • Assist with collections on assigned delinquent accounts.
  • Perform quality assurance reviews and support internal audits to ensure compliance with lending policies and procedures.
  • Train and mentor team members while promoting service excellence and regulatory compliance.
  • Collaborate with departments across the organization to support operational efficiency and member satisfaction.
  • Maintain accurate records while safeguarding confidential financial information.
  • Perform additional duties as assigned.

Qualifications

Required Experience

  • High school diploma or equivalent.
  • Minimum of 3 years of indirect auto lending experience.
  • Experience evaluating and approving or declining consumer auto loans within established lending authority.
  • Strong understanding of dealership lending practices and indirect financing.

Preferred Qualifications

  • Advanced knowledge of consumer lending, credit analysis, and loan underwriting.
  • Experience working in a financial institution or consumer lending environment.
  • Familiarity with loan origination systems and credit bureau platforms.

Knowledge & Skills

  • Strong credit analysis and underwriting skills.
  • Knowledge of consumer lending regulations and compliance requirements, including fair lending and consumer protection laws.
  • Excellent verbal and written communication skills.
  • Strong organizational skills with the ability to manage multiple priorities in a fast-paced environment.
  • High level of professionalism, integrity, and attention to detail.
  • Ability to build and maintain productive relationships with dealers, members, and internal teams.
  • Proficiency with Microsoft Office and lending software.

Additional Requirements

  • Ability to maintain confidentiality and exercise sound judgment.
  • Ability to work independently while contributing to a collaborative team environment.
  • Regular, reliable attendance.
  • Valid Texas driver's license and proof of current automobile insurance.

Location: Austin, TX (Hybrid)

Compensation: $70,000 – $82,000

Benefits: Medical, Dental, Vision and 401k Match