676 Automotive Lending jobs in the United States

This role will be responsible for assisting the Credit Analysis Manager in the direction, oversight and the day-to-day management of the commercial credit department. This role will have direct reports. Specific duties include Participate in the training and coaching of credit analysts and any staff involved in a rotation, or any intern; Participate in the interview and recruitment process for new Commercial Credit Analysts; Assign incoming items to the appropriate analysts, if needed; Assist in the development of the training curriculum for the department and implement this training, as appropriate; Prepare monthly and quarterly Credit Administration Reports including but not limited to: Reg O, Higher Risk Loan Report, and Supervisory Loan to Value; Perform the duties of the manager when the manager is absent; Back up manager with third party vendors, such as Thomson Reuters, RMA, and VerticalIQ, for administrator functions and relationship management; Develop, communicate, and maintain performance criteria on direct reports, as well as providing feedback on other department associates to manager; May make salary recommendations as appropriate; Approve timesheets of direct reports and back up manager with same; Other duties as assigned. Must have Bachelor's degree in Business Administration, Finance, Accounting and 3+ years' credit department or commercial loan related experience OR any combination of education and experience that would provide an equivalent background; Demonstrates intermediate level of credit underwriting and accounting knowledge; Demonstrates knowledge of loan and credit policies; Demonstrates the awareness and ability to share knowledge with staff; Demonstrates ability to appropriately provide constructive feedback to direct reports; Demonstrates ability to work with diverse teams that encompasses all levels of associates from various areas of the Bank, by phone and in person; Demonstrates strong written & verbal communication skills; and Demonstrates strong proficiency in Microsoft Word, Excel, and Windows

Compensation Range: $57,760.00 - $124,170.00

UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary.

Are you ready to be part of something more? You're more than a means to an enda way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard.

• Participate in strategic projects including the migration of risk engines from Murex to Acadia ORE and rebuilding the Data Quality management framework for CCR data.
• Serve as the Subject Matter Expert for the US Fed Monthly Counterparty Credit Risk report and key reviewer of daily CPFE and stress testing data.
• Lead and coordinate global overnight processing, quality control checks, and issue resolution.
• Collaborate with Risk Managers, Technology, Operations, and Modelling teams to drive process improvements and deliver detailed business requirements.

• 3-5 years in credit risk, market risk, product control, collateral management, or front office roles (preferably in capital markets or derivatives-focused environments) is desirable but not critical. We also consider 2-3 years of data analytics experience or recent graduates with a strong willingness to learn quickly.
• Proficiency in SQL for data extraction and analysis, basic Python programming skills, and experience with visualization tools such as Tableau or Power BI.
• Familiarity with risk systems like Murex or Acadia ORE and understanding of counterparty credit risk concepts and financial instruments is a strong plus.
• Strong communication skills, detail-oriented mindset, and ability to work independently across time zones

• America's Most Innovative Companies, Fortune, 2025
• World's Most Admired Companies, Fortune 2025
• "Most Just Companies", Just Capital and CNBC, 2025

• A career with purpose.

• A career built on making dreams come true.

• A career built on building zero defect homes, cost management, and adherence to schedules.

• Support the Company's growth through outside sales activities and lead generation

• Travel to various communities, realtors' offices, and other appropriate locations on a regular basis (at least weekly) to solicit new business and/or leads from home builders

• Conduct "First Time Homebuyer Seminars" in communities on a regular basis to develop leads and build relationships with New Home Consultants and prospective/current

• Travel to and participate in builder and realtor functions, status meetings, phase releases, phone banks, special events, to develop and maintain relationships and customer service

• Travel to various communities and other appropriate locations to meet with prospective/current customers, explain the Company's offerings, obtain loan applications and other required documents, and attend closings

• Review leads daily and contact prospective customers via telephone and email to set up in-person/virtual meetings

• Originate and prepare new loans in accordance with the "Loan Officer" agreement, signed at the time of employment, to ensure all loans meet the guidelines of the Products and Policies manual for upfront

• Advise and recommend to the customer regarding the various mortgage loan products based on the customer's individual need

• Review interest rates as needed and lock all loans with the borrowers in accordance with the Secondary Marketing Pricing and Rate Lock Policies and Procedures manual, at least fifteen days prior to closing

• Provide assistance to New Home Consultants on pre-qualifications of customers to develop a pipeline for outside sales; provide status of loans as needed

• Meet or exceed closed loan capture rate, spot loan objectives for the division, and/or other established sales goals as determined by the Division Manager and based on annual business

• Maintain reports and notes within origination computer system regarding own prospects and customers to ensure complete exchange of information regarding loan application, loan status, conversations with customers, underwriting, lock in information, monthly projected closings, incentive, and expense

• Four-year college degree (preferred)

• At least three years of Loan Originating experience

• Ability to maintain flexible work schedule, including evening and weekend work

• Valid driver's license and dependable transportation

• NMLS License required, or willing to obtain.

M/I Homes has been building new homes of outstanding quality and superior design for more than 40 years. Founded in 1976 by Irving and Melvin Schottenstein and guided by Irving’s drive to always “treat the customer right,” we have fulfilled the dreams of over 140,000 homeowners and grown to become one of the nation’s leading homebuilders. M/I Homes started as a family business and grew into a national leader in a single generation with divisions in 17 markets, including Austin, Charlotte, Chicago, Cincinnati, Columbus, Dallas, Detroit, Ft. Myers/Naples, Houston, Indianapolis, Minneapolis, Nashville, Orlando, Raleigh, San Antonio, Sarasota, and Tampa.

Duties and Responsibilities

• Generates and originates new loan packaging services and assists the home buyer with financing needs.  Provides information to sales staff on current mortgage rates, loan programs and qualification of buyers to assist in potential sales.
• Interviews loan applicants to gather specific information relative to credit, employment, and financial history.
• Analyzes and evaluates applicant financial status and credit information to determine qualification and use of appropriate loan programs and interest rate lock.
• Ensures loan applications are complete and accurate according to policy and for delivery to underwriting for approval.
• Assist with special projects as requested and perform additional duties as required.  

High school graduate with at least one year of relevant course study including seminars and workshops in addition to specific training in loan origination combined with a minimum of two years related experience; thorough knowledge of loan processing and underwriting fundamentals.  BUILDER MORTGAGE experience preferred. Proficiency in Spanish preferred.

Skills and Abilities: 

Customer-service oriented with excellent verbal and written communication skills for interaction with a variety of people inside and outside of the organization.  Strong organization and negotiating skills to develop new business.  Ability to elicit, interpret, analyze, and evaluate given information relative to underwriting guidelines and lender requirements. 

Work Conditions:

Valid driver’s license required for travel remote sales offices and potential business associates.

M/I Homes offers a comprehensive benefits package, including medical, dental and vision insurance, company paid life and disability insurance, optional supplemental life insurance, Health Savings Accounts and Flexible Spending Accounts, paid time off (PTO) and paid holidays, paid parental leave, traditional and Roth 401(k) options, a profit sharing plan, an employee stock purchase plan, an employee home purchase plan and more.

We are committed to attracting, developing, and retaining diverse talent that reflects the customers we serve and the communities where we live and work.

We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug-free workplace and perform pre-employment substance abuse testing.

M/I Financial, LLC 4131 Worth Ave, Suite 460, Columbus, OH 43219. Company NMLS# 50684. For information on MIF licensing, please visit

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The Outside Loan Officer's primary role is to source, qualify, and originate mortgage loans by working primarily outside the company's offices to solicit and obtain business from referral sources such as realtors, builders, financial service providers, and others, as well as directly from borrowers.

• Comply with outside sales and reporting obligations, duties, requirements, and guidelines.
• Produce loans according to targets set by the manager.
• Uphold the integrity of the brand.
• Be familiar with originating loans.
• Properly qualify consumers and issue pre-approvals according to guidelines.
• Monitor the loan pipeline through Lenders Office.
• Monitor productivity via reporting tools.
• Ensure compliance with all government and regulatory requirements.
• Determine your own working hours; there are no specific hour requirements.
• Gather information from prospective borrowers and complete the loan application form.
• Set yearly goals and attend meetings with the manager.
• Educate and communicate regularly with borrowers, listing brokers, and selling brokers.
• Analyze income and debt to pre-qualify borrowers and determine maximum affordable mortgage amounts.
• Educate borrowers about home buying and financing options, including different loan products, closing costs, and payments.
• Maintain contact with borrowers, realtors, and the company during the application process.
• Collect financial documents such as tax returns and bank statements.
• Order credit reports when required.
• Determine if the property is in a flood zone when necessary.
• Attend mortgage closings if requested.
• Ensure compensation does not exceed negotiated amounts.
• Adhere to policies outlined in the company handbook.
• Perform other duties as assigned.

This position has no supervisory responsibilities.

• Must have a current NMLS license in good standing.
• Knowledge of Freddie Mac, Fannie Mae, FHA, and VA guidelines.
• At least two years of mortgage or mortgage banking experience.
• Ability to meet deadlines and deliver results.
• Proven sales success.
• Reliable transportation, valid driver's license, and current auto insurance.
• Sound judgment and decision-making skills.
• Ability to work under pressure with minimal supervision.
• Excellent communication and customer service skills.
• Ability to develop and maintain relationships within the real estate community.
• Timely communication according to department standards.

• Ability to lift 25 pounds.
• Ability to bend, stoop, and stretch as needed.
• Prolonged periods of sitting, standing, or ambulating.
• Use of computers, phones, and office equipment.
• Fluency in English; second language is a plus.

Seniority level: Entry level

Employment type: Full-time

Job function: Finance and Sales

PRMG is Built by Originators for Originators. There is a reason why PRMG is consistently voted one of the best places to work. We focus on the areas that make an Originator successful and have an unmatched Culture. We look forward to helping you succeed as an Originator.

PRMG offers a comprehensive benefits package for our full-time employees and their dependents, which includes medical, dental, vision, life insurance, short-term disability, long-term disability, a Health Savings Account (HSA), a Flexible Spending Account (FSA), and various other products, based on benefits eligibility, elections, and employee premiums. Upon hire, you will be eligible to enroll in all our company-sponsored benefit programs (Medical, Dental, Life, and Voluntary) on the first of the following month. After completing 60 days, you will be eligible to enroll in our 401(k) program on the first of the following month. Additionally, eligible employees may apply for job openings through PRMGs Internal and External Job Portal to request a transfer to a different department or position.

Essential Job Functions:

• Organization: Develops and implements strategies, satisfying customer needs through a full array of products and services.
• Coordination: Uses judgment and discretion to ensure uninterrupted flow of business.
• Communication : Communicates well verbally and in writing with co-workers and customers acting as liaison between customer and Companys internal departments to ensure cohesive business flow.
• Equipment : Uses such office equipment as computer terminals, copiers, and FAX machines.
• Physical: Sits and stands for extended time periods. Hearing and vision within normal ranges.Must devote substantially more than 50 percent of working hours outside of any Company office, home office, and any other fixed site, meeting with customers and potential customers seeking residential mortgage financing.

Responsibilities:

• Verifies, compiles, and inputs application information for mortgage loans.
• Discuss and advise the client of their home loan options.
• Reviews residential loan application file to verify that application data is complete and meets establishment standards, including type and amount of mortgage applied for, including but not limited to borrower assets, liabilities, and length of employment.
• Informs supervisor of discrepancies in title or survey.
• Performs other related duties as assigned.
• Current, valid NMLS license or appointment in good standing.

• Must have applicable state licensing.
• Two to five years experience are preferred.
• Must also meet one of the following 3 options:
• Actively funding more than 2 loans/month, or
• Xinnix Training completion for Loan Origination required, or
• Origination mentor assigned to new Loan Officer by branch who funds more than 2 loans/month (see PRMG Loan Officer Mentor Agreement).

Skills:

• Ability to make sound judgments on the resolution of service, credit decision, funding, and post-close issues.
• Ability to problem-solve and exercise independent judgment while displaying a high degree of initiative.
• Ability to handle detailed assignments and maintain confidentiality.
• Excellent communication and interpersonal skills.
• Organizational skills necessary to prioritize workload and delegate responsibility.

Travel:

• May be required.

Our Loan Officer are individuals with the vision and dedication needed to assist our current and future customers finance the vehicle of their dreams, while driving value to auto dealer partners. Our Loan Officer position is a challenging and dynamic position with opportunity for advancement. The successful Loan Officer will source new sales opportunities to achieve quotas. Candidate will play a key role in increasing the income and revenues by managing customer auto finance needs and negotiating dealer relationships. Candidate will educate, train, and acquire new customers and foster existing and new Dealer partners along with acquiring new sources and will play an active role in securing contracts. Additionally, you will manage and consult in all sales activities and account development.

DUTIES, TASKS, RESPONSIBILTIES (includes, but not limited to)

• Present and communicate company loan products and services to all levels of management within new and existing customers and connect them to an Independent and/or Franchise Dealerships
• Identify sales prospects and contact these and other accounts assigned to you
• Follow-up on new leads and referrals stemming from lead generating partnerships and/or referrals
• Prepare loan offers and proposals for all levels of management within the Franchise dealership
• Develop and maintain and grow current client and potential client relationships within the independent and franchise dealer communities
• Constant communication with Independent and Franchise dealers on current promotions, marketing information, and training documents
• Train dealers on proper documentation needed for fast-funding of contracts

• Ability to persuade and influence others
• Presentation skills (from initial creation to delivery)
• Strong interpersonal and communication skills
• Strong knowledge of cold calling, appointment setting, and sales techniques
• Knowledge of advertising and sales promotion techniques
• Strong computer skills and adaptability to new technology

• Bachelor's degree (B. A.) from four-year college or university, preferred

• Automotive, Finance and Sales Experience; required
• Previous Outside Sales Experience; preferred
• Knowledge of Microsoft office (excel, word, outlook); required
• Knowledge/Experience with the use of DealerTrack, RouteOne, or CUDL; beneficial

• Self-determined, performance-based compensation package
• Base pay of $17.87 per hour or $,097.47 per month. You will also receive commission for every funded deal effective the date of your employment
• Guarantee bonus of 700.00 a month for the first six (6) months, unless you exceed the bonus guarantee, in which case you would receive the higher amount
• Guarantee minimum 3,797.47 for the first six (5) months
• Our advisors are earning an average of 4,487 per month in bonus
• 3,000.00 - 8,000.00 monthly average.
• The exact starting compensation to be offered will be determined at the time of selecting an applicant for hire and will be dependent on a wide range of factors, including but not limited to geographic location, skill set, experience, education, credentials, and licensure when applicable

• Medical, Dental, and Vision benefits
• Life Insurance and Long-term disability plans
• Flexible Spending Account
• 401K matching
• Employee Stock Ownership Program in a 20 Billion Company, plus company matching
• Wellness Programs
• Metro Tap Card and Metro-link Reimbursement (for Los Angeles, CA employees only)
• Career Path Opportunities
• Discounts on Parks, Museums, Movie Tickets, and Attractions
• Annual Flu Shot
• Paid Vacations Days
• Paid Sick days
• Paid holidays
• HGym (available in our Los Angeles, CA & Dallas,TX office)
• Rental Car Discounts, Dell Member Purchase Program
• UKG Wallet