{"id":3170481,"url":"https://alion.io/job/octane-credit-operations-underwriter","title":"Credit Operations Underwriter","company":{"id":12119,"name":"Octane","domain":"octane.co","url":"https://alion.io/company/octane","size_band":"201-500","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Greenhouse","truth_index":null},"role":"Finance","role_family":"Finance","seniority":"junior","employment_type":"contractor","work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Irving, United States"],"countries":["US"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":45000,"max_usd":87000,"period":"year","method":"role_seniority_country_remote_cell","sample_n":2171},"experience_years_min":1,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Google Sheets","optional":true},{"name":"Slack","optional":true}],"status":"live","first_seen_at":"2026-10-23T18:22:02Z","employer_posted_date":"2026-10-23","last_verified_at":"2026-11-02T18:34:58Z","board_verified":true,"closed_at":null,"days_open":10,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":10},"description":"Octane is unlocking the power of financial products for merchants and consumers. Our cutting-edge technology and innovative financial products empower businesses with more control and flexibility, enabling them to deliver seamless digital experiences, drive customer loyalty, and build long-term value. \nOctane supports merchants throughout the sales cycle: connecting dealerships with high-intent buyers, driving transparent, fast, and easy closings with award-winning technology, and providing on-going customer care with superior loan servicing.\nFounded in 2014, Octane supports over 60 OEM partner brands and over 4,000 dealer partners, and has a team of over 600. Visit www.octane.co for more information.\nWe are searching for an Underwriter who can take the handoff from our sales team to work directly with dealers across all engagement levels and verticals, providing them assistance in understanding our underwriting guidelines while guiding them through navigating our dealer contracting platform. You will work closely with our sales team to help foster already established relationships while providing exceptional customer service. We're specifically seeking candidates who can work a 10 AM - 7 PM CST shift with rotating Saturdays. \nResponsibilities: \nAccurately review and verify applicant’s personal information and financial records for the loan in an efficient and timely manner, while adhering to company policies and underwriting guidelines.\nEvaluate loan application information against various lending standards and closely inspect the application documentation for suspicious or fraudulent activity.\nActively seek to engage and build rapport with dealer partners via inbound and outbound phone calls, texts, chats and emails, with the objective of increasing their monthly funded loan count toward a specific target. \nUnderstand our various loan programs, platform functionality, and our proprietary decisioning model to provide our dealer partners with thorough explanations of decline reasons along with advance caps for approvals (i.e., DTI, PTI, LTV).\nConfidently explain our regression model as it pertains to loan decisioning and loan terms with the mindset of providing our dealer partners with a path forward for their customer.\nProvide continued onboarding support for newly enrolled dealers by being able to comfortably walk them through using our platform and structuring their loan contracts. \nCommunicate with consumers applying through our consumer platform, assisting with missing stipulations and the handoff of the application to the dealer. \nCommunicate with consumers in reference to their own applications while following applicable state and federal laws.\nRequirements: \nMinimum high school diploma/GED required.\nAt least 1-2 years of experience in Loan Underwriting or Loan Processing, combined with previous experience in Sales and/or Customer Service, preferably in the auto or powersports industry. Must have a thorough understanding of debt-to-income, payment-to-income, and loan-to-value ratios. \nExperience working in automotive or powersports dealerships is a plus.\nMust be highly knowledgeable on different income sources for consumers along with a clear understanding of reading supporting documentation (paystubs, 1099, W2, 1040, bank statements).\nExcellent telephone, communication (oral and written), interpersonal and organizational skills a must.\nGoal oriented with an energetic, enthusiastic, and positive attitude.\nSelf motivated with a strong ability to multitask, prioritize, and manage time effectively.\nAble to work well under pressure to meet monthly goals while passing quality assurance audits.\nAble to prioritize and execute tasks using multiple tools at any given time such as Salesforce, Slack, G-mail, Google Sheets, and our proprietary LOS.\nBenefits:\nRobust Health Care Plans (Medical, Dental & Vision).\nUp to 20 Days PTO (Accrued).\nGenerous Parental Leave.\nRetirement Plan (401k with Company Match).\nEducational Assistance/Tuition Reimbursement up to $3K/year.\nPowersports Safety Benefit.\nWellhub (Gympass) Wellness Benefit.\nDisclaimer: The above statements are intended to describe the general nature and level of work being performed by associates assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed.\nOctane Lending is an equal opportunity employer committed to providing equal employment opportunity without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, or any other protected status with respect to recruitment, hiring, promotion and other terms and conditions of employment.","description_format":"text","description_chars":4847,"description_truncated":false,"requirements":{"experience_years_min":1,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"high_school","optional":false},"security_clearance":false,"languages":[]},"benefits":["401k plan","Parental leave","Retirement plans"],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["Leasing, Auto & Equipment Finance"],"lifecycle":[{"event":"open","at":"2026-10-23T18:24:26Z"}],"visa":[{"country":"US","licensed_sponsor":true,"evidence":"H-1B filings in 12 months: 6 · green card filings: 3","filings_12m":6,"filings_prev_12m":9,"green_card_filings_12m":3,"median_offered_wage_usd":149167,"route":null,"cap_exempt":false,"checked_at":"2026-10-29T16:27:21+00:00","sources":["US Department of Labor: LCA disclosure data (H-1B, H-1B1, E-3)","US Department of Labor: PERM disclosure data (green cards)"],"filings_for_role_12m":0}],"liveness":{"score":86,"band":"hot","label":"Hiring now","p_open":1,"p_active":0.86,"p_room":1,"age_days":9,"expected_fill_days":57,"reasons":["conf:0","win:early","comp:junior"],"computed_at":"2026-11-02T06:13:15Z"},"pay":null,"html_url":"https://alion.io/job/octane-credit-operations-underwriter","json_url":"https://alion.io/job/octane-credit-operations-underwriter.json","meta":{"generated_at":"2026-11-02T21:39:16Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":30294,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-11-03T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":12119},"rest":"https://alion.io/mcp/rest/get_company?id=12119"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Foctane-credit-operations-underwriter"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Foctane-credit-operations-underwriter"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Foctane-credit-operations-underwriter"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/octane-credit-operations-underwriter\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Foctane-credit-operations-underwriter"}],"agent":{"mcp":"https://alion.io/mcp/jobs","mcp_open":"https://alion.io/mcp/open","next":[{"tool":"get_job","arguments":{"id":3170481}},{"tool":"search_jobs","arguments":{"company":"octane.co","detail":"compact"}},{"tool":"match_people","arguments":{"job_id":3170481},"note":"people open to offers who fit this vacancy"}],"note":"The same data through MCP tools: https://alion.io/mcp/open needs no sign-in (compact searches, postings, people); https://alion.io/mcp with an Alion account has everything. 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