Indirect Lending Underwriter II
Fifth Third Bank, Orlando, FL, United States
Essential Duties & Responsibilities
Analyze consumer credit reports for consumer lending applications to evaluate risk and make appropriate credit decisions for indirect lending across multiple states, affiliates, or geographic regions.
Review documents to support credit decisions (dealer contracts, verification of income, tax returns, and additional supporting documentation).
Verify completeness and accuracy of credit applications.
Formulate and communicate credit decisions (approve, decline, or counteroffer) in compliance with established underwriting guidelines, compliance, and regulatory requirements.
Develop business relationships and build rapport with customers to achieve mutual goals across multiple states, affiliates, or geographic regions.
Manage the application pipeline to meet business objectives.
Review complex credit, declined, and pipeline applications and recommend appropriate actions to maximize production while meeting stated service quality levels.
Assist less experienced underwriters with structuring loans to maximize production and manage risk.
Provide superior quality service to internal and external customers at all times and demonstrate a professional demeanor.
Ensure consumer lending credit authority is commensurate with guidelines and business need.
Review credit applications and recommend decisions on applications within their assigned authority to their manager.
SUPERVISORY RESPONSIBILITIES: None.
Minimum Knowledge, Skills and Abilities Required
College degree in business, finance, or equivalent work experience.
Minimum 6 months of consumer lending or related industry experience, or minimum 6 months of consumer lending underwriting experience.
Strong interpersonal, written, and verbal communication skills.
Ability to handle multiple tasks and meet deadlines in a fast‑paced environment.
Ability to interact with Vice President level managers, build consensus, and motivate others.
Strong analytical and organizational skills.
Strong computer skills.
Strong working knowledge of ACAPS.
Working Conditions
Normal office environment.
Extended use of CRT screen and repetitive keyboard movement.
May require some overtime.
Indirect Lending Underwriter II
Total Base Pay Range 48,100.00 - 96,200.00 USD Annual
At Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities, and each other. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day.
The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the U.S. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education, and geographic location. In addition to the base salary, this role is eligible to participate in an incentive compensation plan, with any such payment based upon company, line of business, and/or individual performance.
Our extensive benefits programs are designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional, and social well‑being. You can learn more about those programs on our 53.com Careers page at: https://www.53.com/content/fifth-third/en/careers/benefits.html or by consulting with your talent acquisition partner.
LOCATION – Virtual, Florida 00000
Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status, or any other legally protected status.
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Analyze consumer credit reports for consumer lending applications to evaluate risk and make appropriate credit decisions for indirect lending across multiple states, affiliates, or geographic regions.
Review documents to support credit decisions (dealer contracts, verification of income, tax returns, and additional supporting documentation).
Verify completeness and accuracy of credit applications.
Formulate and communicate credit decisions (approve, decline, or counteroffer) in compliance with established underwriting guidelines, compliance, and regulatory requirements.
Develop business relationships and build rapport with customers to achieve mutual goals across multiple states, affiliates, or geographic regions.
Manage the application pipeline to meet business objectives.
Review complex credit, declined, and pipeline applications and recommend appropriate actions to maximize production while meeting stated service quality levels.
Assist less experienced underwriters with structuring loans to maximize production and manage risk.
Provide superior quality service to internal and external customers at all times and demonstrate a professional demeanor.
Ensure consumer lending credit authority is commensurate with guidelines and business need.
Review credit applications and recommend decisions on applications within their assigned authority to their manager.
SUPERVISORY RESPONSIBILITIES: None.
Minimum Knowledge, Skills and Abilities Required
College degree in business, finance, or equivalent work experience.
Minimum 6 months of consumer lending or related industry experience, or minimum 6 months of consumer lending underwriting experience.
Strong interpersonal, written, and verbal communication skills.
Ability to handle multiple tasks and meet deadlines in a fast‑paced environment.
Ability to interact with Vice President level managers, build consensus, and motivate others.
Strong analytical and organizational skills.
Strong computer skills.
Strong working knowledge of ACAPS.
Working Conditions
Normal office environment.
Extended use of CRT screen and repetitive keyboard movement.
May require some overtime.
Indirect Lending Underwriter II
Total Base Pay Range 48,100.00 - 96,200.00 USD Annual
At Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities, and each other. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day.
The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the U.S. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education, and geographic location. In addition to the base salary, this role is eligible to participate in an incentive compensation plan, with any such payment based upon company, line of business, and/or individual performance.
Our extensive benefits programs are designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional, and social well‑being. You can learn more about those programs on our 53.com Careers page at: https://www.53.com/content/fifth-third/en/careers/benefits.html or by consulting with your talent acquisition partner.
LOCATION – Virtual, Florida 00000
Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status, or any other legally protected status.
#J-18808-Ljbffr