Underwriter

In the Role

• Evaluate borrower creditworthiness, loan risk, collateral/appraisals, and expected yield.
• Analyze financial and credit data to make informed underwriting decisions within established approval guidelines.
• Recommend appropriate loan terms and conditions while balancing risk and reward.
• Communicate decisions clearly and professionally with internal partners and external stakeholders.
• Ensure full compliance with federal and state lending regulations and company policies.
• Manage multiple loan requests efficiently while maintaining accuracy and attention to detail.
• Exercise independent judgment in ambiguous or complex credit scenarios.

Qualifications

• High School Diploma or GED.
• Strong verbal and written customer communication skills.
• Demonstrated integrity and sound judgment in decision-making.
• Ability to operate independently in a fast-paced, ambiguous environment.
• Detail-oriented with a strong focus on results and quality.
• High learning ability and adaptability.

Preferred

• Bachelor’s degree or equivalent professional experience.
• Experience in Direct Lending and/or Non-Prime Lending environments.

Schedule

Hybrid: 4 days in office (Mon-Thurs)

Monday–Friday, 7:30 AM–7:00 PM (local time)
Saturdays, 7:30 AM–1:00 PM (local time; up to 3 per quarter)

Who We are

OneMain Financial (NYSE: OMF) is a leader in providing responsible credit access to nonprime customers and has been committed to improving financial well‑being since 1912. Our personal loans, credit cards, and related products help customers achieve their financial goals. We value collaboration, innovation, and a customer‑first mindset, supported by flexible work arrangements, career development opportunities, and an inclusive culture.

Our comprehensive benefits package includes:

• Health and well-being options including medical, prescription, dental, vision, hearing, accident, hospital indemnity, and life insurances  

• Up to 4% 401(k) match

• Employee Stock Purchase Plan (10% share discount)

• Tuition reimbursement and continuing education

• Bonus eligibility

• Paid time off (15 days’ vacation per year, prorated based on start date)

• Paid sick leave as determined by state or local ordinance (prorated based on start based)

• Paid holidays (4 floating holidays, prorated based on start date)

• Paid volunteer time (3 days per year, prorated based on start date)

• Additional benefits available