Credit Underwriter II
Yamaha has an excellent opportunity for a Credit Underwriter II to join our Financial Services team in Marietta, GA. The Credit Underwriter II will be responsible for approving or denying credit applications, following purchase policy guidelines, and establishing and maintaining positive relationships dealerships. You play a critical role in helping YMFC-US establish and maintain good relationships with our dealers and our customers. Interpersonal skills, financial acumen, decision-making skills, and a results-oriented approach are significant to your success in this position.
What you'll be doing:
• Decision applications by placing emphasis on response time, quantity of applications processed, and quality of applications approved.
• Demonstrate professionalism with dealer communication
• Promote, educate, and provide support to dealers on new sales programs, company initiatives and system/process changes. Provide support to dealers and answer ad hoc requests
• Demonstrate knowledge of credit policy and procedures
• Review contract, system exceptions Prepare reports and participate as a subject matter expert on assigned projects.
• Lead testing efforts (i.e., User Acceptance Testing) of changes to the loan origination software and related systems.
• Support training and developing for credit underwriters.
• Provide support when supervisor or management is not available.
• Perform related duties as needed.
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What you'll need to be successful:
• BA / BS degree in Finance, Business or other related course of study is strongly preferred. (High School Diploma Required.)
Must be highly skilled in credit decisioning and have a solid understanding of consumer credit, and applicable federal and state regulations relative to consumer lending.
• Must have a minimum of 3+ years' of underwriting experience.
• Captive/auto finance or banking experience preferred
• Must have strong analytical and quantitative skills, organizational, negotiation, interpersonal skills and acute problem-solving ability.
Demonstrate professionalism with dealer communication
• Ability to work flexible hours including weekends and overtime, as necessary; and ability to travel up to 10% at management's discretion.
• Good quantitative and business acumen
• Proficient in MS Windows applications, with a strong emphasis in Excel
• Excellent time management and organizational ability
• Strong verbal and written communication skills
Don't meet every single requirement? Studies have shown that women and underrepresented minorities are less likely to apply to jobs unless they meet every single qualification. At Yamaha, we understand that talent comes in various forms, as such we are dedicated to building a diverse, inclusive, and authentic workplace. If you're excited about this role but your experience doesn't align perfectly with every qualification in the job description, we encourage you to apply anyway. You may be just the right candidate for this or other roles!
What's in it for you:
• 401(k) and Profit Sharing
• Fertility Benefits
• 37.5-hour workweek
• Medical, Dental, Vision
• Life and AD&D Insurance
• Wellness Program
• Short-Term Disability Coverage (for hourly roles)
• Long-Term Disability
• Student Debt Repayment Benefits
• Ability to borrow Yamaha product
Yamaha intends to offer the selected candidate base pay dependent on job-related experience. Base pay is part of Yamaha's Total Reward program, our Talent Acquisition Team will share more details as candidates progress.
Reports to: Department Manager
Yamaha Motor Corporation, USA is proud to be an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identify, national origin, veteran or disability or any other status protected by federal, state, or local law. We celebrate diversity and are committed to creating an inclusive environment for all employees.
Perks and Benefits
Health and Wellness
- Health Insurance
- Dental Insurance
- Vision Insurance
- Life Insurance
- Short-Term Disability
- Long-Term Disability
- HSA With Employer Contribution
- Fitness Subsidies
- On-Site Gym
- Pet Insurance
- Mental Health Benefits
Parental Benefits
- Fertility Benefits
Work Flexibility
Office Life and Perks
- Casual Dress
- Holiday Events
- Company Outings
Vacation and Time Off
- Paid Vacation
- Paid Holidays
- Personal/Sick Days
- Leave of Absence
Financial and Retirement
- 401(K) With Company Matching
- Performance Bonus
- Financial Counseling
- Profit Sharing
Professional Development
- Lunch and Learns
- Internship Program
- Leadership Training Program
- Professional Coaching
- Promote From Within
- Mentor Program
- Shadowing Opportunities
- Access to Online Courses
Diversity and Inclusion