Auto Underwriter I
Mariner Finance
50k - 70k USD/year
Office
Eagan, MN, US
Full Time
Auto Underwriter I
FLSA Status
Non Exempt
Schedule:
Monday through Friday. Saturday hours required seasonally and as business needs require. Work hours will depend on the business hours of the time zone serviced.
To the extent permitted by law, the Company may, in its sole discretion, change the work schedule to address business need
In This Role, You Will:
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 Auto Manager and work directly with branch employees to ensure efficient and accurate loan processing.
Responsibilities and Essential Duties:
• Review, analyze, and underwrite Direct Auto applications using sound judgment and company guidelines in the decision-making process.
• Assist Branch employees with negotiation of loans based on internal lending guidelines, fair lending practices, and the ECOA (Equal Credit Opportunity Act).
• Maintain confidentiality with sensitive financial and personal information.
• Review financial statements, credit reports, applicable debt ratios, and loan-to-value ratios in order to make credit decisions that mitigate future risk for the company.
• Communicate in a style and manner that develops and maintains a strong business relationship with all contacts.
• Maintain thorough and accurate documentation of all loan applications, decisions, and communications as per company policies and regulations.
• Underwrite other loan products as needed, demonstrating flexibility and adaptability.
• Strictly comply with applicable federal, state, and local laws and provisions of states in which Mariner operates.
• Follow policies and procedures of the company. Stay informed of updates to company lending policy and promptly implement applicable changes.
• May perform additional functions depending on market demand and staffing in order to provide consistent quality customer service.
Required Qualifications:
• Associate’s degree (or two (2) years of college course work); additional, applicable years of experience may be substituted for an associate’s degree.
• Experience working in a professional/customer service setting with demonstrated success meeting deadlines.
• Professional, customer-focused, and results-oriented attitude with the ability to effectively problem-solve, analyze, and use data to make informed decisions.
• Highly-motivated self-starter with strong work ethic and exceptional attention to detail.
• Solution-based communication style with the ability to communicate professionally and effectively, verbally and in writing, with customers, vendors, third parties, and all levels of company staff.
• Ability to maintain confidentiality and handle sensitive information with discretion.
• Ability to multitask, stay organized, and prioritize tasks effectively to complete assigned duties and functions in a timely, accurate manner.
• Experience in Microsoft Office Suite with the ability to learn financial services programs.
Preferred Qualifications:
• Bachelor’s degree in Business Administration, Management, Marketing, Finance, or a related field.
• Experience in consumer lending or financial services and/or underwriting experience.
Physical Demands:
While performing the duties of this job, the employee is frequently required to sit for extended periods; reach with hands and arms; and talk or hear. The employee is occasionally required to move about. The employee must occasionally lift and/or move up to twenty (20) pounds. Specific vision abilities required by this job include close vision and the ability to adjust focus.
Disclaimer
This job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee. Duties, responsibilities, and activities may change or new ones may be assigned at any time or without notice.
#LI-Onsite
Compensation: Hourly Rate (commensurate with experience)
Benefits: Mariner Finance offers comprehensive benefits to eligible employees, including:
• Health Insurance - Health Savings Account (HSA) with employer contributions if enrolled in a qualifying plan, Flexible Spending Account (FSA), and Dependent Care FSA
• Vision Insurance
• Dental Insurance
• Company-paid Basic Life, Long-Term Disability, and AD&D Insurance
• Voluntary worksite benefits including Accident, Critical Illness, Hospital Indemnity, Short-Term Disability, Supplemental Life, and Supplemental AD&D Insurance
• 401(k) and Company Matching Contributions
• Paid Time Off - full-time employees may accrue a minimum of 120 hours per year
• 11 Paid Holidays
• FMLA
• Employee Assistance Program (EAP)
• Paid Parental Leave
• Referral Incentives
• Education Assistance Program
• Complimentary FIMC Membership Plan
• Access to industry-specific training programs
• Certain roles may qualify for additional benefits such as Relocation Assistance, Debt Assistance, Cell Phone Reimbursement, and Travel/Auto Reimbursement. Contact careers@marinerfinance.com for additional information.
Benefits provided are consistent with applicable state laws and Company policies. Eligibility may vary based on full-time or part-time status, location, or management level.
For additional information, please visit: https://www.marinerfinance.com/careers/benefits/
Mariner Finance is an Equal Opportunity Employer and does not discriminate on the basis of race, color, religion, creed, sex, gender, gender identity or expression, marital status, age, religion, national origin, sexual orientation, familial or caregiver status, citizenship status, status as a victim of domestic violence, medical condition, genetic information, pregnancy, physical or mental disability, or status as a disabled or Vietnam era veteran. Employee must be able to perform the essential duties/functions of the position satisfactorily and, if requested, reasonable accommodations will be made to enable employees with disabilities to perform the essential duties/functions of their job, absent undue hardship. Drug/Alcohol/Smoke-free workplace.
Mariner Finance, LLC | NMLS #166564
FLSA Status
Non Exempt
Schedule:
Monday through Friday. Saturday hours required seasonally and as business needs require. Work hours will depend on the business hours of the time zone serviced.
To the extent permitted by law, the Company may, in its sole discretion, change the work schedule to address business need
In This Role, You Will:
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 Auto Manager and work directly with branch employees to ensure efficient and accurate loan processing.
Responsibilities and Essential Duties:
• Review, analyze, and underwrite Direct Auto applications using sound judgment and company guidelines in the decision-making process.
• Assist Branch employees with negotiation of loans based on internal lending guidelines, fair lending practices, and the ECOA (Equal Credit Opportunity Act).
• Maintain confidentiality with sensitive financial and personal information.
• Review financial statements, credit reports, applicable debt ratios, and loan-to-value ratios in order to make credit decisions that mitigate future risk for the company.
• Communicate in a style and manner that develops and maintains a strong business relationship with all contacts.
• Maintain thorough and accurate documentation of all loan applications, decisions, and communications as per company policies and regulations.
• Underwrite other loan products as needed, demonstrating flexibility and adaptability.
• Strictly comply with applicable federal, state, and local laws and provisions of states in which Mariner operates.
• Follow policies and procedures of the company. Stay informed of updates to company lending policy and promptly implement applicable changes.
• May perform additional functions depending on market demand and staffing in order to provide consistent quality customer service.
Required Qualifications:
• Associate’s degree (or two (2) years of college course work); additional, applicable years of experience may be substituted for an associate’s degree.
• Experience working in a professional/customer service setting with demonstrated success meeting deadlines.
• Professional, customer-focused, and results-oriented attitude with the ability to effectively problem-solve, analyze, and use data to make informed decisions.
• Highly-motivated self-starter with strong work ethic and exceptional attention to detail.
• Solution-based communication style with the ability to communicate professionally and effectively, verbally and in writing, with customers, vendors, third parties, and all levels of company staff.
• Ability to maintain confidentiality and handle sensitive information with discretion.
• Ability to multitask, stay organized, and prioritize tasks effectively to complete assigned duties and functions in a timely, accurate manner.
• Experience in Microsoft Office Suite with the ability to learn financial services programs.
Preferred Qualifications:
• Bachelor’s degree in Business Administration, Management, Marketing, Finance, or a related field.
• Experience in consumer lending or financial services and/or underwriting experience.
Physical Demands:
While performing the duties of this job, the employee is frequently required to sit for extended periods; reach with hands and arms; and talk or hear. The employee is occasionally required to move about. The employee must occasionally lift and/or move up to twenty (20) pounds. Specific vision abilities required by this job include close vision and the ability to adjust focus.
Disclaimer
This job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee. Duties, responsibilities, and activities may change or new ones may be assigned at any time or without notice.
#LI-Onsite
Compensation: Hourly Rate (commensurate with experience)
Benefits: Mariner Finance offers comprehensive benefits to eligible employees, including:
• Health Insurance - Health Savings Account (HSA) with employer contributions if enrolled in a qualifying plan, Flexible Spending Account (FSA), and Dependent Care FSA
• Vision Insurance
• Dental Insurance
• Company-paid Basic Life, Long-Term Disability, and AD&D Insurance
• Voluntary worksite benefits including Accident, Critical Illness, Hospital Indemnity, Short-Term Disability, Supplemental Life, and Supplemental AD&D Insurance
• 401(k) and Company Matching Contributions
• Paid Time Off - full-time employees may accrue a minimum of 120 hours per year
• 11 Paid Holidays
• FMLA
• Employee Assistance Program (EAP)
• Paid Parental Leave
• Referral Incentives
• Education Assistance Program
• Complimentary FIMC Membership Plan
• Access to industry-specific training programs
• Certain roles may qualify for additional benefits such as Relocation Assistance, Debt Assistance, Cell Phone Reimbursement, and Travel/Auto Reimbursement. Contact careers@marinerfinance.com for additional information.
Benefits provided are consistent with applicable state laws and Company policies. Eligibility may vary based on full-time or part-time status, location, or management level.
For additional information, please visit: https://www.marinerfinance.com/careers/benefits/
Mariner Finance is an Equal Opportunity Employer and does not discriminate on the basis of race, color, religion, creed, sex, gender, gender identity or expression, marital status, age, religion, national origin, sexual orientation, familial or caregiver status, citizenship status, status as a victim of domestic violence, medical condition, genetic information, pregnancy, physical or mental disability, or status as a disabled or Vietnam era veteran. Employee must be able to perform the essential duties/functions of the position satisfactorily and, if requested, reasonable accommodations will be made to enable employees with disabilities to perform the essential duties/functions of their job, absent undue hardship. Drug/Alcohol/Smoke-free workplace.
Mariner Finance, LLC | NMLS #166564
Auto Underwriter I
Office
Eagan, MN, US
Full Time
50k - 70k USD/year
August 3, 2025