The Sr. Underwriter is responsible for analysis, negotiation, and decisioning on loan requests submitted by multiple loan originating sources. The Senior Underwriter is responsible for making prudent credit decisions within established guidelines, in compliance with all state and federal laws as well as OneMain policies and procedures. The ideal candidate will have experience or capability to analyze the credit factors affecting loan risk to the company, appraisals, and loan yields. Effective communication and collaboration with OneMain and external resources is necessary to recommend terms and conditions of loan decisions within established approval guidelines, leveraging risk versus reward to ensure credit quality and profitability. 

In the Role

• Analyzes credit bureau reports and evaluates stability, ability, willingness, and collateral/equity position of customer and makes decisions regarding the credit worthiness of customers within approved limits.
• Responsible for analyzing highly complex financial and credit information according to internal underwriting standards while complying with Fair and Responsible Lending Practices, identifying, and processing potential fraud.
• Meets production and goals while maintaining underwriting integrity through working knowledge of sound underwriting principles, policies, procedures, and controls to ensure overall profitability of product line.
• Utilize key metrics to strategically improve volume results.
• Responsible for providing strong and clear communication to internal and external partners to ensure quick turnaround time.
• Partnering with Central Sales and Branch leadership through deal reviews and escalations.
• Review complex loans requiring exceptions.
• Works collaboratively with other team members and provides mentorship to less experienced underwriters and support staff.  Ex. Lending Manager support.

Requirements

• HS Diploma or equivalent
• Minimum of 5 years’ experience in consumer loan underwriting.
• Display high level of integrity, independent thinking, dealing with ambiguity, learning agility, detail oriented, inclusive and results oriented.
• Ability to work under pressure and make decisions in a fast-paced environment.
• Effective communication skills including verbal, written, and presentation.
• Strong negotiation, analytical, and problem-solving skills.
• Innovative thinker with strong ability to implement actions to achieve strategic vision.

Location: Tempe, AZ

Department Schedule: Mon-Fri 7:00 AM—9:00 PM CST, Saturday 7:00 AM -3:00 PM CST.  Flexible scheduling is available within hours listed. 

OneMain Holdings, Inc. is an Equal Employment Opportunity (EEO) employer. Qualified applicants will receive consideration for employment without regard to age, ancestry, citizenship status, color, creed, culture, disability, ethnicity, gender, gender identity or expression, genetic information or history, marital status, military status, national origin, nationality, pregnancy, race, religion, sex, sexual orientation, socioeconomic status, transgender or on any other basis protected by law.