Sr Underwriter or Underwriter - Consumer

General information

Ref # 21651

Remote? Yes

Ally and Your Career

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Ally Financial only succeeds when its people do - and that's more than some cliché people put on job postings. We live this stuff! We see our people as, well, people - with interests, families, friends, dreams, and causes that are all important to them. Our focus is on the health and safety of our teammates as well as work-life balance and diversity and inclusion. From generous benefits to a variety of employee resource groups, we strive to build paths that encourage employees to stretch themselves professionally. We want to help you grow, develop, and learn new things. You're constantly evolving, so shouldn't your opportunities be, too?

The Opportunity

Are you ready to join a world class, fast-moving Consumer Underwriting Sales Territory at Ally and help turn strategy into measurable results? As an auto consumer underwriter, you'll be the operational heartbeat-partnering closely with the Underwriting Manager and our Consumer Underwriters to drive daily territory performance, sharpen pipeline execution, and keep our sales and service motions running smoothly. You'll take on elevated targets and accountability beyond the Consumer Underwriter role, tackling complex territory maintenance, prioritizing high-impact opportunities, and shaping the rhythm of the business. Bring your energy, precision, and a bias for action-this is a role where your judgment and momentum matter.

If you have a solid 3+ years of underwriting experience, you may be considered for hire at the senior level, with expanded scope and leadership expectations.

The Work Itself

• Maximize portfolio revenue by practicing sound underwriting judgment and risk management principles.
• Ensure compliance with underwriting policies; elevate risk issues, and stay abreast of constant changes in policy and procedures.
• Requires flexibility in work schedule, evening hours and weekends may be required.
• Demonstrated strong performance in managing key relationships and/or key markets to drive business plan results
• Some travel is required - You will visit dealers (about twice per year) and participate in team engagement meetings (minimum once per year)

The Skills You Bring

3G - Underwriter

• High school/GED is required; bachelor's degree is preferred.
• 1+ years in auto finance consumer underwriting (prime, sub-prime, and/or non-prime), or financial services is required
• Ability to perform technical based activities
• Knowledge of and exposure to fundamental theories, principles, and concepts.
• Demonstrating technical expertise and relationships to supply to strategy and drive business results
• Familiar with the Auto Finance industry, consumer credit, trend analysis/analytics
• Excellent sales, negotiation, problem solving, and analytical skills
• Must be an independent worker with strong time leadership skills

Base Pay Range: $55,000 - $75,000 - $95,000

3F - Sr. Underwriter

• High school/GED required; bachelor's degree strongly preferred
• 3+ years in auto finance underwriting (prime, sub-prime, and/or non-prime) is required; 5+ years in auto finance underwriting experience preferred
• 2+ years leadership experience preferred
• Ability to provide advice/direction in primary areas of expertise leveraging technical expertise and relationships to contribute to strategy and drive business results
• Contribute to and manage projects
• Excellent sales, negotiation, problem solving, analytical, and project management skills
• Exemplary dealer relationship management skills
• Advanced knowledge of Microsoft Office Programs

Base Pay Range: $70,000 - $85,000 - $100,000

How We'll Have Your Back

Ally's compensation program offers market-competitive base pay and pay-for-performance incentives (bonuses) based on achieving personal and company goals. But Ally's total compensation - or total rewards - extends beyond your paycheck and is designed to support and enrich your personal and professional life, including:

• Time Away: competitive holiday and flexible paid-time-off, including time off for volunteering and voting.
• Planning for the Future: plan for the near and long term with an industry-leading 401K retirement savings plan with matching and company contributions, student loan and 529 educational assistance programs, tuition reimbursement, and other financial well-being programs.
• Supporting your Health & Well-being: flexible health and insurance options including dental and vision, pre-tax Health Savings Account with employer contributions and a total well-being program that helps you and your family stay on track physically, socially, emotionally, and financially.
• Building a Family: adoption, surrogacy, and fertility support as well as parental and caregiver leave, back-up child and adult/elder day care program and childcare discounts.
• Work-Life Integration: other benefits including LifeMatters® Employee Assistance Program, subsidized and discounted Weight Watchers® program and other employee discount programs.

Who We Are:

Ally Financial is a customer-centric, leading digital financial services company with passionate customer service and innovative financial solutions. We are relentlessly focused on "Doing it Right" and being a trusted financial-services provider to our consumer, commercial, and corporate customers. For more information, visit

Ally is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, sexual orientation, gender identity or expression, pregnancy status, marital status, military or veteran status, genetic disposition or any other reason protected by law.

Where permitted by applicable law, must have received or be willing to receive the COVID-19 vaccine by date of hire to be considered, if not currently employed by Ally.

We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. For accommodation requests, email us at [email protected]. Ally will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation.

Base Pay Range:

An individual's position in the range is determined by the scope and responsibilities of the role, work experience, education, certification(s), training, and additional qualifications. We review internal pay, the competitive market, and business environment prior to extending an offer.

Emerging: 70000

Experienced: 95000

Expert: 120000

Incentive Compensation: This position is eligible to participate in our annual incentive plan