Start Date:

Monday, January 27th, 2025

About the Team

Made up of Sales, Funding, and Underwriting teams, Originations is at the forefront of ACA’s business success. Driven by a mission of providing reliable, affordable transportation to the millions of Americans who have less than perfect credit, we come together every day to ensure everyone has access to the transportation they need to get to work, pick their kids up from school and get to where they need to go.

What You’ll Do

At American Credit Acceptance, the primary responsibility of Underwriters is to evaluate customer credit profiles aligning with loan structure characteristics. They collaborate with dealer partners to educate and formulate loan decisions.

Key duties include gathering and scrutinizing all relevant underwriting information to assess risk levels and determine appropriate premiums for acceptable risks. The role involves accepting risks that meet underwriting standards and declining those that do not.

Underwriters demonstrate proficiency in comprehending and analyzing contracts, titles, and income tax data. Additionally, they evaluate automobile book values and review applicant credit bureau information.

This role may encompass various other tasks as assigned, reflecting the dynamic nature of responsibilities within the underwriting function.

For a view into a day in the life of a Underwriter at ACA, copy and paste the link below into your browser : 

https://www.youtube.com/watch_popup?v=B-GYmjCeRUg 

Qualifications

• Experience in credit underwriting preferred 
• Exceptional interpersonal, verbal, and written communication skills
• Able to maintain composure in a fast-paced environment
• Demonstrate an outgoing personality with the ability to build relationships and establish trust among clients
• Excellent problem solver with the ability to efficiently prioritize and multitask
• Ability to digest and apply information, learn new skills, and think critically
• Proficiency in navigating various computer software & programs, including MS Office and word processing programs

Supervisory Responsibility

This position has no supervisory responsibilities.

Work Environment

This role operates in a professional office environment.

Position Type/Expected Hours of Work

This is a full-time onsite position. Days and hours of work are Monday-Friday, 10:00 AM to 7:00 PM, with some Saturdays on rotation.

Travel

No travel is expected for this position.

Start Pay

$17 an hour (or depending on experience)

EEO Statement

ACA provides equal employment opportunities (EEO) to all applicants for employment without regard to race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, marital status, amnesty, or status as a covered veteran in accordance with applicable federal, state and local laws.  ACA complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities.

 Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

You are not officially considered an applicant unless you have completed an employment application in ACA's online applicant tracking system, iCIMS.