Indirect Specialty Underwriter II

August 31, 2026

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Make banking a Fifth Third better® We connect great people to great opportunities. Are you ready to take the next step? Discover a career in banking at Fifth Third Bank. GENERAL FUNCTION: Responsible for analyzing Consumer Credit applications and information for Indirect Specialty Lending. Direct responsibility to underwrite secured and unsecured Consumer S pecialty Lending products (i.e., indirect installment loans/leases) across multiple states, affiliates or geographic regions. Provides superior quality service to internal and external customers (Dealership FI Finance & Insurance Managers, affiliates and vendors). Trains less experienced underwriters. Supports process improvements and business objectives. Accepts additional projects as assigned. Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank\'s risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types. ESSENTIAL DUTIES & RESPONSIBILITIES: Analyze consumer credit reports for Consumer Specialty lending applications to evaluate risk and make appropriate credit decision for Indirect Specialty Lending across multiple states, affiliates or geographic regions. Reviews documents to support credit decisions (dealer contracts, verification of income, tax returns, and additional supporting documentation, etc.) Verifies completeness and accuracy of credit applications. Formulates and communicates credit decision (approve, decline or counteroffer) in compliance with established underwriting guidelines, compliance and Regulatory requirements. Develops business relationships and builds rapport with customers to achieve mutual goals across multiple states, affiliates or geographic regions. Manages application pipeline to meet business objectives. Reviews complex credit, declined and pipeline applications and recommends appropriate action to maximize production and meet stated service quality levels. Assists less experienced underwriters with structuring loans to maximize production and manage risk. Provides superior quality service to internal and external customers at all times and demonstrates professional demeanor. Consumer lending credit authority is commensurate with consumer lending authority guidelines and business need. Reviews credit applications and recommends decisions on applications over their assigned authority to their manager. SUPERVISORY RESPONSIBILITIES: None. MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED: College degree in business or Finance or equivalent work experience. Minimum 6 months Consumer Lending or related industry experience or a minimum 6 months Consumer Lending Underwriting experience. Strong interpersonal, written and verbal communication skills. Ability to handle multiple tasks and Meet deadlines in fast paced environment. Ability to interact with Vice President level managers; build consensus; and motivate others. Strong analytical and organizational skills. Strong computer skills. Strong working knowledge of ACAPS. Indirect Specialty Underwriter II Total Base Pay Range 47,100.00 - 94,200.00 USD Annual LOCATION -- Virtual, Arizona 00000 Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status. Salary: USD 47100 - 94200 per year Experience: 3 years required

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