Job Description

Underwriter

At Arivo, we're a tech driven company transforming the auto finance experience for dealerships and customers. As a rapidly growing team, we're passionate about innovation, transparency, and building a great culture. Whether you are earlier in your career or bring prior underwriting or financial services experience, we are looking for individuals who are motivated, curious, and ready to grow.

Underwriters are a vital part of our organization and play a direct role in shaping our business. In this role, you will do more than review applications. You will influence decision making processes by partnering closely with data and risk teams, and help drive meaningful improvements in how we evaluate and approve customers. You will have a voice in how we evolve our processes and approach lending. Your insights and feedback matter here.

What makes Arivo a great place to work? We invest in our people. This role offers hands on exposure to real time credit decisioning and thorough training in our processes. From day one, you will have a clear path for growth, hands on support to build your skills, and real opportunities to advance based on your performance. You will be part of a collaborative, high energy environment where your work has an impact, your voice is heard and your development truly matters.

What You'll Do

• Review and decision credit applications with speed and accuracy
• Analyze income documentation and verify applicant information
• Ensure decisions align with federal lending regulations such as ECOA, FCRA, and TILA Reg. Z, along with company guidelines
• Manage your pipeline of applications from review through final decision
• Communicate with internal teams and handle calls related to your applications
• Document clear and thorough notes to support each decision
• Meet performance goals for quality, productivity, and turnaround time
• Balance speed with thoughtful decision making, applying judgment rather than simply following a checklist
• Participate in ongoing training and development to strengthen your underwriting skills

What We're Looking For

• Strong attention to detail and ability to make sound, consistent decisions
• Ability to manage a high volume of work in a fast paced environment
• Clear and professional communication skills
• A team oriented mindset with a willingness to learn and grow
• Curiosity, accountability, and a strong cultural fit with a collaborative team
• Experience in underwriting, credit analysis, banking, financial services, or a related field is helpful but not required
• Familiarity with credit reports such as TransUnion and Experian is a plus

Benefits and Perks

We believe in supporting our team both professionally and personally, with benefits designed to help you grow and thrive.

Medical, dental, and vision coverage to support your health HSA and FSA options with employer contributions to give you flexibility and control 401(k) and financial wellness programs to help you plan for the future Mental health support including virtual therapy sessions Employee vehicle purchase program A supportive and flexible environment that values work life balance Clear opportunities for career growth and advancement based on performance, not tenure

If you're looking for a role where you can grow, make an impact, and be part of a team building something meaningful, we'd love to hear from you.

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