Underwriter

Underwriter OneMain Financial - 3.2 Tempe, AZ Job Details Full-time 18 hours ago Benefits Employee stock purchase plan Paid holidays Health insurance Dental insurance Tuition reimbursement Paid time off 401(k) 4% Match Vision insurance 401(k) matching Paid sick time Qualifications Customer communication Compliance with loan regulations Underwriting Credit risk assessment Regulatory compliance Mid-level High school diploma or GED Bachelor's degree Decision making Loan application review Communication skills Negotiation Credit analysis Full Job Description The Underwriter is responsible for evaluating, negotiating, and rendering decisions on consumer loan applications originating from multiple channels. This role requires strong credit judgment, sound risk assessment, and strict adherence to federal and state regulations, as well as company policies. The Underwriter balances risk and profitability while delivering strong customer experience through effective communication and collaboration. In the Role Evaluate borrower creditworthiness, loan risk, collateral/appraisals, and expected yield. Analyze financial and credit data to make informed underwriting decisions within established approval guidelines. Recommend appropriate loan terms and conditions while balancing risk and reward. Communicate decisions clearly and professionally with internal partners and external stakeholders. Ensure full compliance with federal and state lending regulations and company policies. Manage multiple loan requests efficiently while maintaining accuracy and attention to detail. Exercise independent judgment in ambiguous or complex credit scenarios. Qualifications High School Diploma or GED. Strong verbal and written customer communication skills. Demonstrated integrity and sound judgment in decision-making. Ability to operate independently in a fast-paced, ambiguous environment. Detail-oriented with a strong focus on results and quality. High learning ability and adaptability. Preferred Bachelor's degree or equivalent professional experience. Experience in Direct Lending and/or Non-Prime Lending environments.

Schedule Hybrid:

4 days in office (Mon-Thurs) Monday-Friday, 7:30 AM-7:00 PM (local time) Saturdays, 7:30 AM-1:00 PM (local time; up to 3 per quarter) Who We are OneMain Financial (

NYSE:

OMF) is a leader in providing responsible credit access to nonprime customers and has been committed to improving financial well‑being since 1912. Our personal loans, credit cards, and related products help customers achieve their financial goals. We value collaboration, innovation, and a customer‑first mindset, supported by flexible work arrangements, career development opportunities, and an inclusive culture.

Our comprehensive benefits package includes:

Health and well-being options including medical, prescription, dental, vision, hearing, accident, hospital indemnity, and life insurances Up to 4% 401(k) match Employee Stock Purchase Plan (10% share discount) Tuition reimbursement and continuing education Bonus eligibility Paid time off (15 days' vacation per year, prorated based on start date) Paid sick leave as determined by state or local ordinance (prorated based on start based) Paid holidays (4 floating holidays, prorated based on start date) Paid volunteer time (3 days per year, prorated based on start date) Additional benefits available 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.