Description

Make your mark helping customers get on the road with responsible financing. Join a team that values speed, sound risk judgment, and strong dealer partnerships. Grow your career with coaching, clear performance goals, and opportunities to expand your underwriting scope.

Job Summary

As a Credit Underwriter in the Auto Finance Underwriting team, you evaluate applications and make timely, high‑quality credit decisions that align with policy and regulatory standards. You balance speed, volume, and decision quality to support customers and our dealer network. You collaborate closely with relationship managers and partners to strengthen dealer relationships. You help drive strong business outcomes through consistent execution and clear communication.

Job Responsibilities

• Review and analyze automobile credit applications from dealer partners to render sound decisions within credit policy.
• Decide applications quickly and accurately to meet service levels while maintaining high decision quality.
• Structure decisions to optimize risk‑adjusted profitability and support long‑term dealer relationships.
• Communicate decisions and rationales clearly to internal partners and dealer contacts.
• Collaborate with relationship managers to support ongoing business development and dealer engagement.
• Initiate and document follow‑up outreach by phone and written communication as appropriate.
• Meet or exceed targets for profitability, volume, conversion, and other agreed business metrics.
• Adhere to all applicable regulations and internal risk, compliance, and documentation standards.
• Escalate exceptions appropriately and seek guidance on complex or borderline cases.
• Contribute to process improvements that enhance speed, quality, and customer/dealer experience.

Required qualifications, capabilities and skills

• Minimum 1 year of consumer or auto credit underwriting or closely related credit decisioning experience.
• Proficiency interpreting credit bureau data and verifying applicant information to support objective decisions.
• Working knowledge of U.S. consumer lending requirements applicable to auto finance.
• Demonstrated ability to manage a high‑volume workflow while meeting quality and turnaround goals.
• Ability to write clear, concise credit rationales and communicate decisions to cross‑functional partners.
• Strong attention to detail with consistent adherence to policy, procedures, and documentation standards.
• Proficiency with common productivity tools and underwriting platforms.

Preferred qualifications

• Experience reviewing and interpreting credit bureau reports in an indirect auto environment.
• Knowledge of indirect loan and lease programs, bank products, and services.
• Familiarity with dealer management systems and auto finance workflows.
• Knowledge of credit policies, loan documentation, and related legal considerations.
• Experience collaborating with relationship managers to support dealer relationships.

Additional Information:

• Shift Schedule: Variable
• Work Setup: Full Time Onsite

All application requirements (including updated resume - please include specifics of your career) should be posted, submitted and completed in the Oracle tool.

About Us

JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

About the Team

Our Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We're proud to lead the U.S. in credit card sales and deposit growth and have the most-used digital solutions - all while ranking first in customer satisfaction.