---
title: 'Credit Operations Underwriter at Octane'
canonical: 'https://feeny.ai/job/credit-operations-underwriter-octane-irving-twd135ppsbmy'
type: 'job'
last_seen: '2026-11-09'
---

# Credit Operations Underwriter at Octane

- **Company:** Octane
- **Location:** Irving, TX
- **Posted:** 2026-10-23
- **Last confirmed live:** 2026-11-09
- **Apply:** https://octane.co/o/who-we-are/careers/jobs-open?gh_jid=8043143003

## Job 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.

Octane 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.

Founded 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](http://www.octane.co) for more information.

We 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.

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.

Requirements:

- 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.
- Experience working in automotive or powersports dealerships is a plus.
- 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.

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.

Disclaimer:  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.

Octane 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.

## About Octane

## Company Overview
- **One-liner**: Octane is a fintech company that provides instant, end-to-end financing for recreational lifestyle purchases such as powersports vehicles, RVs, and outdoor power equipment.
- **Entity Type**: Private (multiple funding rounds including debt financing; Series D stage)
- **Headquarters**: New York, New York, United States
- **Founded**: 2014
- **Founders**: Not publicly available

## Core Business
- **Primary industry**: Fintech / Specialty Finance / Software Development
- **Target customers**: B2B (dealerships, OEMs) and B2C (consumers seeking financing for recreational vehicles)
- **Mission**: “We connect people with their passions by making lifestyle purchases fast, easy, and accessible.” [octane.co](https://octane.co/o/who-we-are/)

## Products & Services
- **Octane Financing Platform**: A digital lending marketplace and in-house lender (Roadrunner Financial, Inc.) that offers instant credit decisions, flexible terms, and competitive rates for motorcycles, ATVs, mowers, RVs, and more. Includes prime, credit-builder, and first-time buyer programs. [octane.co](https://octane.co/)
- **Dealer Integration**: A fully integrated financing solution that works from online shopping to in-store closing, saving time at the dealership.
- **Media Brands**: Inspires enthusiasts through editorial properties including *Cycle World* and *UTV Driver* (acquired).

## Market Standing
- **Valuation**: Not disclosed
- **Key Metric**: Annual revenue of **$75M** (per LinkedIn) [linkedin.com](https://www.linkedin.com/company/octane-lending)
- **Total Funding**: **$5.1B** (includes debt financing across 32 rounds; e.g., $284M debt in Oct 2025, $52M Series D in Aug 2021) [linkedin.com](https://www.linkedin.com/company/octane-lending)
- **Notable Investors/Partners**: Not fully named in available data; partners include **Progressive Insurance** and over **30 OEMs** and **4,000 dealer partners**. [linkedin.com](https://www.linkedin.com/company/octane-lending)
- **Growth Signals**:
  - Named to the **Inc. 5000** list of fastest-growing private companies in America.
  - Certified as a **Great Place to Work®**.
  - Headcount grew **11.4% YoY** (LinkedIn shows 334 employees; company website states 550+). [linkedin.com](https://www.linkedin.com/company/octane-lending) [octane.co](https://octane.co/o/who-we-are/careers/)
  - Expanded into **marine** and **auto** verticals (recent job postings: Business Development Representative I – Marine, VP Sales & Partnerships – Auto).

## Competitive Advantages
- **Technology-first approach**: Cutting-edge risk algorithms and a fully digital, end-to-end buying experience that delivers instant credit decisions with a soft credit pull.
- **Broad credit coverage**: Serves prime, credit-builder, and first-time buyers, expanding the addressable market beyond traditional lenders.
- **Integrated ecosystem**: Owns media brands (Cycle World, UTV Driver) that drive consumer demand and funnel leads directly into the financing pipeline.
- **In-house lending**: Roadrunner Financial, Inc. provides control over underwriting and customer experience.

## Strategic Focus
- **Market expansion**: Moving beyond powersports into marine and auto verticals.
- **Deepening dealer & OEM partnerships**: Growing the network of 4,000+ dealer partners and 30+ OEM relationships.
- **Product innovation**: Continuing to enhance the digital buying experience and risk modeling to increase approval rates and speed.

## Why Work Here
- **Culture**: Described as “welcoming, collaborative, and innovative” with an inclusive, open, and casual work environment. [octane.co](https://octane.co/o/who-we-are/careers/)
- **Flexibility**: Hybrid and remote roles available; offices in **Manhattan, NY**; **Irvine, CA**; **Irving, TX**; and **Knoxville, TN**.
- **Benefits**:
  - 4+ weeks of PTO
  - Generous parental leave
  - Medical, dental, vision coverage
  - 401(k) match (100% of first 3%, 50% of next 2%)
  - Education stipend up to $3,000/year
  - Gympass membership
  - Powersports safety equipment benefit ($500/year)
  - Charitable donation matching
- **Pay transparency**: Octane commits to publishing salary ranges for all open roles and includes stock option packages or bonuses for eligible positions. [octane.co](https://octane.co/o/who-we-are/careers/)
- **Employee sentiment**: Glassdoor-style rating of **3.3/5** (114 reviews) with work-life balance scored highest at 3.8/5. [linkedin.com](https://www.linkedin.com/company/octane-lending)

## Sources
1. [octane.co - About Us](https://octane.co/o/who-we-are/)
2. [octane.co - Careers](https://octane.co/o/who-we-are/careers/)
3. [octane.co - Homepage](https://octane.co/)
4. [linkedin.com - Octane Lending](https://www.linkedin.com/company/octane-lending)

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