Job Description
Home Improvement Finance Partners, LLC (HIFP) is a full-service consumer finance company that specializes in providing flexible financing programs to the home improvement industry. We are currently hiring a Credit Underwriter to join our onsite team.
As a Credit Underwriter, you will be responsible for evaluating credit applications and making sound underwriting decisions to manage while providing a high level of customer service to our customers.
We offer a dynamic work environment where your contributions are recognized and your career growth is supported. Here’s what you can expect:
- Competitive compensation package
- Comprehensive training and mentoring programs
- Clear opportunities for professional advancement
- Commuter benefits
- Collaborative, success-driven team culture
Saturday hours required.
Compensation: $50,000 to $60,000
Key Responsibilities:
- Analyze and Decision: Evaluate consumer credit applications and financial documentation (e.g., credit reports, income verification) for home improvement loans according to established company policies and risk tolerance.
- Risk Mitigation: Ensure all underwriting decisions adhere to federal and state regulations, including but not limited to ECOA, Fair Lending laws, and company compliance requirements.
- Condition Review: Review and clear all stipulations required for final loan approval and funding.
- Strategic Placement: For applications that do not meet our in-house credit criteria, act as an internal "broker" to strategically place the application with the most appropriate of our partner financial institutions.
- Lender Relationship: Maintain a deep understanding of each partner lender’s specific credit guidelines, appetite, and technology platforms to maximize approval rates and volume.
- Facilitate Approvals: Manage the application process with partner lenders, addressing any specific stipulations or requirements they may have to secure a successful approval for the customer.
- Collections: Initiate contact with customers whose accounts are past due to negotiate payment arrangements and resolve delinquency, adhering strictly to the Fair Debt Collection Practices Act (FDCPA) and company policies.
Qualifications:
- 2–3 years of relevant experience in credit underwriting or a closely related field
- Strong attention to detail and analytical skills
- Excellent communication and customer service abilities
- Proficiency with Microsoft Office Suite (Word, Excel, Outlook)
HIFP is proud to be an Equal Opportunity Employer. We are committed to fostering an inclusive and diverse workplace. We also maintain a drug-free work environment.
By applying for this position, you consent to receive communications (via email, phone, or SMS) related to your application. Message and data rates may apply. To opt out of text communications, reply STOP at any time.
MOAG
Parent Base
Salary Range
$50,000 to $60,000
HRAC @ Maryland
Post Internally and Externally
Zip Code
21204