Consumer Underwriter

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<strong>Ally and Your Career<br><br></strong>Ally Financial only succeeds when its people do - and that’s more than some cliché people put on job postings. We love 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?<br><br><strong>Work Schedule:</strong> Ally designates roles as (1) fully on-site, (2) hybrid, or (3) fully remote. Hybrid roles are generally expected to be in the office a certain number of days per week as indicated by your manager. Your hiring manager will discuss this role's specific work requirements with you during the hiring process. All work requirements are subject to change at any time based on leader discretion and/or business need.<br><br><strong>The Opportunity<br><br></strong>For over 100 years we’ve helped dealers serve their customers by providing the best-in-class products and services they need – and by remaining true to the automotive passion we share. Take the wheel on your career and join a team that is dedicated to providing world class support to our customers as they look to purchase and lease vehicles. We are problem solvers, we value diverse thinking, we support one another, and we challenge ourselves to think bigger in the journey to deliver customer-obsessed auto finance products and solutions. A Consumer Underwriter – Auto Finance evaluates, negotiates, and decisions consumer offerings within Ally’s underwriting policies to further grow application and contract volume. They build and maintain a portfolio of dealers and provide best-in-class relationship management for their assigned territories as a crucial part of the Ally Auto framework.<br><br><strong>The Work Itself<br><br></strong><ul><li>Increase dealer portfolio revenue by practicing sound underwriting judgment and upholding Ally’s risk management principles</li><li>Leverage high-touch and high-tech capabilities to negotiate contracts</li><li>Demonstrate market awareness, strong listening, and adaptability as you build and cultivate strong relationships with dealers</li><li>Requires flexibility in work schedule; evening hours, limited travel, and weekends required<br><br></li></ul><strong>The Qualifications We’re Looking For<br><br></strong><ul><li>1+ years in auto finance consumer underwriting (prime, sub-prime, and/or non-prime), or financial services is required</li><li>Ability to perform technical based activities</li><li>Knowledge of and exposure to fundamental theories, principles, and concepts.</li><li>Demonstrating technical expertise and relationships to supply to strategy and drive business results</li><li>Familiar with the Auto Finance industry, consumer credit, trend analysis/analytics</li><li>Excellent sales, negotiation, problem solving, and analytical skills</li><li>Must be an independent worker with strong time leadership skills<br><br></li></ul><strong>Minimum Qualifications<br><br></strong><ul><li>1+ years of experience</li><li>High school Diploma or GED equivalent<br><br></li></ul><strong>How We'll Have Your Back<br><br></strong>Ally's compensation program offers market-competitive base pay and pay-for-performance incentives (bonuses) based on achieving personal and company goals. Our Total Rewards program includes industry-leading compensation and benefits plus additional incentives that are designed to meet your needs and those of your family so you can get the most out of your career and your life, including:<br><br><strong>Time Away:</strong> Program starts at 20 paid time off days in addition to 11 paid holidays and 8 hours of volunteer time off yearly (time off days are prorated based on start date and program varies based on full or part-time status and management level).<br><br><strong>Planning for the Future:</strong> plan for the near and long term with an industry-leading 401K retirement savings plan with matching and company contributions, student loan pay downs and 529 educational save up assistance programs, tuition reimbursement, employee stock purchase plan, and financial learning center and financial coach access.<br><br><strong>Supporting your Health & Well-being:</strong> flexible health and insurance options including medical, dental and vision, employee, spouse and child life insurance, short- and long-term disability, pre-tax Health Savings Account with employer contributions, Healthcare FSA, critical illness, accident & hospital indemnity insurance, and a total well-being program that helps you and your family stay on track physically, socially, emotionally, and financially.<br><br><strong>Building a Family:</strong> adoption, surrogacy and fertility assistance as well as paid parental and caregiver leave, Dependent Day Care FSA back-up child and adult/elder care days and childcare discounts.<br><br><strong>Work-Life Integration:</strong> other benefits including Mentally Fit Employee Assistance Program, subsidized and discounted Weight Watchers® program and other employee discount programs.<br><br><strong>Other Compensations:</strong> depending on the role for which you are considered, you may be eligible for travel allowances, relocation assistance, a signing bonus and/or equity.<br><br>To view more detailed information about Ally’s Total Rewards, please visit this link: We Are<br><br></strong>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 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.<br><br>In accordance with the Americans with Disabilities Act, if after review of the position expectations, you believe that you may need a medical accommodation to fulfill the duties of this role, please email hrpolicy@ally.com with details of your accommodation request.<br><br><strong>Base Pay Range<br><br></strong>$55,000.00 - $95,000.00<br><br>An individual's position in the range is determined by the specific role, 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.<br><br><strong>Incentive Compensation<br><br></strong>This position is eligible to participate in our annual incentive plan.

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Common Interview Questions And Answers

1. HOW DO YOU PLAN YOUR DAY?

This is what this question poses: When do you focus and start working seriously? What are the hours you work optimally? Are you a night owl? A morning bird? Remote teams can be made up of people working on different shifts and around the world, so you won't necessarily be stuck in the 9-5 schedule if it's not for you...

2. HOW DO YOU USE THE DIFFERENT COMMUNICATION TOOLS IN DIFFERENT SITUATIONS?

When you're working on a remote team, there's no way to chat in the hallway between meetings or catch up on the latest project during an office carpool. Therefore, virtual communication will be absolutely essential to get your work done...

3. WHAT IS "WORKING REMOTE" REALLY FOR YOU?

Many people want to work remotely because of the flexibility it allows. You can work anywhere and at any time of the day...

4. WHAT DO YOU NEED IN YOUR PHYSICAL WORKSPACE TO SUCCEED IN YOUR WORK?

With this question, companies are looking to see what equipment they may need to provide you with and to verify how aware you are of what remote working could mean for you physically and logistically...

5. HOW DO YOU PROCESS INFORMATION?

Several years ago, I was working in a team to plan a big event. My supervisor made us all work as a team before the big day. One of our activities has been to find out how each of us processes information...

6. HOW DO YOU MANAGE THE CALENDAR AND THE PROGRAM? WHICH APPLICATIONS / SYSTEM DO YOU USE?

Or you may receive even more specific questions, such as: What's on your calendar? Do you plan blocks of time to do certain types of work? Do you have an open calendar that everyone can see?...

7. HOW DO YOU ORGANIZE FILES, LINKS, AND TABS ON YOUR COMPUTER?

Just like your schedule, how you track files and other information is very important. After all, everything is digital!...

8. HOW TO PRIORITIZE WORK?

The day I watched Marie Forleo's film separating the important from the urgent, my life changed. Not all remote jobs start fast, but most of them are...

9. HOW DO YOU PREPARE FOR A MEETING AND PREPARE A MEETING? WHAT DO YOU SEE HAPPENING DURING THE MEETING?

Just as communication is essential when working remotely, so is organization. Because you won't have those opportunities in the elevator or a casual conversation in the lunchroom, you should take advantage of the little time you have in a video or phone conference...

10. HOW DO YOU USE TECHNOLOGY ON A DAILY BASIS, IN YOUR WORK AND FOR YOUR PLEASURE?

This is a great question because it shows your comfort level with technology, which is very important for a remote worker because you will be working with technology over time...

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