Octane® · 15 hours ago
Credit Specialist - Underwriter
Irving, TX
Full-time
Onsite
Entry Level
1+ years expOctane is unlocking the power of financial products for merchants and consumers. The Underwriter will assist dealers in understanding underwriting guidelines and provide exceptional customer service while reviewing loan applications and ensuring compliance with company policies.
CreditFinancial ServicesFinTechLending
Responsibilities
Accurately 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
Evaluate loan application information against various lending standards and closely inspect the application documentation for suspicious or fraudulent activity
Actively 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
Understand 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)
Confidently 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
Provide continued onboarding support for newly enrolled dealers by being able to comfortably walk them through using our platform and structuring their loan contracts
Communicate with consumers applying through our consumer platform, assisting with missing stipulations and the handoff of the application to the dealer
Communicate with consumers in reference to their own applications while following applicable state and federal laws
Qualification
Required
Minimum high school diploma/GED required
At 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
Must be highly knowledgeable on different income sources for consumers along with a clear understanding of reading supporting documentation (paystubs, 1099, W2, 1040, bank statements)
Excellent telephone, communication (oral and written), interpersonal and organizational skills a must
Goal oriented with an energetic, enthusiastic, and positive attitude
Self motivated with a strong ability to multitask, prioritize, and manage time effectively
Able to work well under pressure to meet monthly goals while passing quality assurance audits
Able to prioritize and execute tasks using multiple tools at any given time such as Salesforce, Slack, G-mail, Google Sheets, and our proprietary LOS
Preferred
Experience working in automotive or powersports dealerships is a plus
Benefits
Robust Health Care Plans (Medical, Dental & Vision)
Up to 20 Days PTO (Accrued)
Generous Parental Leave
Retirement Plan (401k with Company Match)
Educational Assistance/Tuition Reimbursement up to $3K/year
Powersports Safety Benefit
Wellhub (Gympass) Wellness Benefit
Company
Octane®
Octane® is revolutionizing recreational purchases by delivering a seamless, end-to-end digital buying experience.
501-1000 employees
H1B Sponsorship
Octane® has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (13)
2024 (4)
2023 (2)
2022 (13)
2021 (10)
2020 (5)
Funding
Current Stage
Late StageTotal Funding
$4.31BKey Investors
Valar VenturesRoadrunner FinancialMoore Capital
2025-12-15Series F· $50M
2025-12-15Secondary Market· $50M
2025-12-02Debt Financing· $219M
Leadership Team
Jason Guss
CEO
Mark Davidson
Co-Founder & Chief Revenue Officer
Recent News
2026-01-08
2025-12-27
Company data provided by crunchbase