Credit Operations Underwriter (Fintech)

Location: Irving, Texas, United States. Work on a 10 AM–7 PM CST shift with rotating Saturdays.

Company

hirify.global provides digital financial products, loan origination, dealer contracting, and loan servicing solutions for merchants, consumers, dealerships, and OEM partner brands.

What you will do

• Review and verify applicant personal information, financial records, and supporting documentation for consumer loans in accordance with underwriting guidelines and company policies.
• Evaluate applications against lending standards and inspect documentation for suspicious or fraudulent activity.
• Engage dealer partners through inbound and outbound calls, texts, chats, and emails, supporting relationships and funded-loan targets.
• Explain loan programs, decline reasons, approval caps, DTI, PTI, LTV, regression-based decisioning, and loan terms.
• Support newly enrolled dealers with platform onboarding and loan-contract structuring.
• Communicate with consumers about missing stipulations, application status, and handoff to dealers while following applicable state and federal laws.

Requirements

• High school diploma or GED.
• 1–2 years of experience in loan underwriting or loan processing, combined with previous sales and/or customer service experience.
• Thorough understanding of debt-to-income, payment-to-income, and loan-to-value ratios.
• Knowledge of consumer income sources and ability to read paystubs, 1099s, W-2s, 1040s, and bank statements.
• Excellent telephone, oral and written communication, interpersonal, and organizational skills.
• Goal-oriented, energetic, enthusiastic, and positive attitude.
• Self-motivated, with the ability to multitask, prioritize, and manage time effectively.
• Ability to work under pressure to meet monthly goals while passing quality assurance audits.
• Ability to use multiple tools simultaneously, including Salesforce, Slack, Gmail, Google Sheets, and the proprietary loan origination system.

Nice to have

• Experience in automotive or powersports dealerships.
• Loan underwriting or customer-facing experience in the automotive or powersports industry.

Culture & Benefits

• Medical, dental, and vision health care plans.
• Up to 20 accrued PTO days and generous parental leave.
• 401(k) retirement plan with company match.
• Educational assistance and tuition reimbursement up to $3,000 per year.
• Powersports safety benefit and Wellhub wellness benefit.