Sr. Auto Commercial (Underwriter/ Credit Analyst)
At Ally Financial, we pride ourselves on offering innovative financial solutions to our customers. As a Sr. Auto Commercial Underwriter/Credit Analyst, you will play a crucial role in our success by ensuring the profitability and risk management of our commercial auto lending portfolio. We are seeking a highly motivated and experienced individual with a strong understanding of the auto industry and a proven track record in underwriting and credit analysis. If you are looking for a challenging and rewarding career with a leading financial institution, we encourage you to apply for this position and join our dynamic team.
- Conduct thorough credit analysis and risk assessment for commercial auto loan applications in accordance with company policies and procedures.
- Utilize financial statements and other relevant data to determine creditworthiness of potential borrowers.
- Stay up-to-date on industry trends and changes in the auto market to make informed underwriting decisions.
- Collaborate with sales team to develop and maintain strong relationships with dealerships and other key partners.
- Monitor and manage the performance of existing commercial auto loans, identifying and addressing any potential risks or issues.
- Ensure compliance with all regulatory and legal requirements related to commercial lending.
- Continuously review and improve underwriting processes to maximize efficiency and effectiveness.
- Communicate underwriting decisions and recommendations to management and other stakeholders.
- Participate in training and development opportunities to enhance knowledge and skills.
- Serve as a subject matter expert and resource for junior underwriters and credit analysts.
- Contribute to the development and implementation of new products and services in the commercial auto lending portfolio.
- Collaborate with other departments, such as legal and collections, to resolve complex credit issues.
- Maintain accurate and organized records of all underwriting decisions and related documentation.
- Represent the company in a professional and ethical manner at all times.
- Uphold the company's core values and promote a positive work culture.
Bachelor's Degree In Finance, Accounting, Or A Related Field
Minimum Of 5 Years Of Experience In Commercial Underwriting Or Credit Analysis
Comprehensive Knowledge Of Auto Insurance Industry And Regulatory Guidelines
Excellent Analytical Skills With Ability To Evaluate Complex Financial Data
Strong Communication And Interpersonal Skills, With Ability To Collaborate With Cross-Functional Teams And Build Relationships With Clients.
Risk Management
Financial Analysis
Underwriting
Negotiation skills
Analytical Thinking
Decision Making
Credit Analysis
Risk assessment
Credit Evaluation
Commercial Insurance
Auto Industry Knowledge
Communication
Conflict Resolution
Emotional Intelligence
Leadership
Time management
Interpersonal Skills
creativity
Teamwork
Adaptability
Problem-Solving
According to JobzMall, the average salary range for a Sr. Auto Commercial (Underwriter/ Credit Analyst) in Lewisville, TX, USA is between $70,000 and $90,000 per year. This may vary depending on the specific industry, company size, experience level, and other factors.
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Ally Financial provides financial services including car finance, online banking via a direct bank, corporate lending, vehicle insurance, mortgage loans, and an electronic trading platform to trade financial assets.
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