SAFCO Assist Underwriter - Southern Auto Finance Company, LLC

Drive your career forward a SAFCO Assist Underwriter and be on the forefront of our mission to be a leader in the automotive finance industry. To achieve our ambitious goals, we need innovative minds and dedicated individuals who are passionate about auto finance and eager to make a difference.

We are seeking a motivated SAFCO Assist Underwriter to join our Originations Department. In this role, you will work closely with department leadership to review and purchase auto finance contracts. This is an excellent opportunity for someone looking to kickstart their career in finance and contribute to the growth of our company.

Few companies offer the career and personal growth opportunities that SAFCO does. We provide a challenging and fast paced work environment in our beautiful new corporate office, one of the most competitive compensation packages in the industry, and an excellent benefit package (i.e., 401(k), major medical and dental, vision, life and disability insurance).

Essential Duties and Responsibilities 

• Ability to analyze, review and decision application stipulations pre-receipt of the contract.
• Ability to complete verifications on application stipulations pre-receipt of the contract.
• Ability to read and understand applicants’ credit bureaus.
• Ability to structure applications in accordance with SAFCO policies and procedures.

• Communicate on a daily basis with SAFCO dealer partners, Relationship Managers, and customers.
• Master the funding apparatus within defi that will require real time updates on the status of the application.
• Demonstrate proficiency in functioning within a high-quality, fast-paced work environment while efficiently managing multiple tasks at once.
• Address inquiries and concerns from dealer partners pertaining to stipulations or verifications.
• Reassess and revisit loan applications in collaboration with our dealer partners.
• Maintain a comprehensive understanding of SAFCO credit and funding policies, as well as procedures.
• Ability to work scheduled hours including shifts that will incorporate Saturdays, Sundays and holidays.
• Available to adhere to scheduled hours, including shifts that may encompass weekends, including Saturdays and Sundays.
• Perform other duties as assigned.

Job Specifications (Knowledge,Skills,Abilities) 

SKILLS 

• Written Communication – Ability to write correspondence or response letters to dealers and customers.
• Verbal Communication – Ability to speak to individuals, probe for information, and respond to questions.
• Budgetary Development – Position does not have budgetary responsibility.
• Project Management – Position works as part of a team that receives direction from the SAFCO Assist Manager.
• Computer Skills – defi System, MS Office, credit reporting, SalesForce, and loan decision software; ability to utilize software or technical applications and systems at an intermediate level, as needed.
• Language Skills – Bilingual ability preferred.

Core Competencies

• Job Knowledge – The position requires proficiency in the key functions, along with two years customer service experience (one year of experience in banking/finance preferred).
• Problem Solving Skills – Ability to understand and carry out instructions furnished in written or oral form and to deal with problems involving some variables in standardized situations.
• Level of Persuasion and/or Influencing of Others – The position requires interaction with customers and co-workers.
• Mental Effort – Requires analysis and oversight of finance contracts on a functional level.
• Level of Independent Judgment or Discretion – Primarily receives direction from their supervisor, and their decisions are subject to review.

Education/Experience

0 to 3 years’ experience

Any equivalent combination or experience and training that provides the required knowledge, skills, and abilities.

Physical Demands

The physical demands described here are representative of those that must be met by a team member to successfully perform the essential functions of the job.

While performing the duties of this job, the team member must:

• Frequently stand sit; constantly walk; talk; hear; feel and grasp; crouch; crawl; kneel; reach out with hands and arms; and lift and/or move up to 15 pounds.
• Specific vision requirements required by the job include frequently looking at a monitor; using color vision; and occasionally using peripheral vision and depth perception.

Position Summary:

The SAFCO Assist Underwriter reviews and verifies loan documents provided by the dealership pre-receipt of the actual contract. The goal is to expedite the funding process and provide a better, more efficient funding experience for our dealer partners. Strong communication, problem solving skills, and great customer service are required. 

The SAFCO Assist Underwriter must have basic credit knowledge and understanding of how to decision a loan application, while also going over structure and answering any questions the dealer may have pertaining to a loan application.

Essential Duties and Responsibilities:

• Ability to analyze, review and decision application stipulations pre-receipt of the contract.
• Ability to complete verifications on application stipulations pre-receipt of the contract.
• Ability to read and understand applicants’ credit bureaus.
• Ability to structure applications in accordance with SAFCO policies and procedures.

• Communicate on a daily basis with SAFCO dealer partners, Relationship Managers, and customers.
• Master the funding apparatus within defi that will require real time updates on the status of the application.
• Demonstrate proficiency in functioning within a high-quality, fast-paced work environment while efficiently managing multiple tasks at once.
• Address inquiries and concerns from dealer partners pertaining to stipulations or verifications.
• Reassess and revisit loan applications in collaboration with our dealer partners.
• Maintain a comprehensive understanding of SAFCO credit and funding policies, as well as procedures.
• Ability to work scheduled hours including shifts that will incorporate Saturdays, Sundays and holidays.
• Available to adhere to scheduled hours, including shifts that may encompass weekends, including Saturdays and Sundays.
• Perform other duties as assigned.

Job Specifications (Knowledge, Skills, Abilities):



Skills

• Written Communication – Ability to write correspondence or response letters to dealers and customers.
• Verbal Communication – Ability to speak to individuals, probe for information, and respond to questions.
• Budgetary Development – Position does not have budgetary responsibility.
• Project Management – Position works as part of a team that receives direction from the SAFCO Assist Manager.
• Computer Skills – defi System, MS Office, credit reporting, SalesForce, and loan decision software; ability to utilize software or technical applications and systems at an intermediate level, as needed.
• Language Skills – Bilingual ability preferred.

Core Competencies

• Job Knowledge – The position requires proficiency in the key functions, along with two years customer service experience (one year of experience in banking/finance preferred).
• Problem Solving Skills – Ability to understand and carry out instructions furnished in written or oral form and to deal with problems involving some variables in standardized situations.
• Level of Persuasion and/or Influencing of Others – The position requires interaction with customers and co-workers.
• Mental Effort – Requires analysis and oversight of finance contracts on a functional level.
• Level of Independent Judgment or Discretion – Primarily receives direction from their supervisor, and their decisions are subject to review.

0 to 3 years’ experience

Any equivalent combination or experience and training that provides the required knowledge, skills, and abilities.

The physical demands described here are representative of those that must be met by a team member to successfully perform the essential functions of the job.

While performing the duties of this job, the team member must:

• Frequently stand sit; constantly walk; talk; hear; feel and grasp; crouch; crawl; kneel; reach out with hands and arms; and lift and/or move up to 15 pounds.
• Specific vision requirements required by the job include frequently looking at a monitor; using color vision; and occasionally using peripheral vision and depth perception.