Underwriter

About This Role

Underwriting small business lending opportunities is the core of this role, supporting sound credit decisions by evaluating financial strength and identifying risk factors. This position suits a detail-oriented and analytical individual who can collaborate across the organization to deliver financing solutions while maintaining credit quality.

Responsibilities

• Analyze financial statements, tax returns, cash flow, and supporting documentation for small business borrowers and guarantors
• Conduct detailed trend, cash flow, and ratio analysis to assess creditworthiness and repayment capacity
• Independently evaluate loan requests and make underwriting decisions in accordance with established credit policies and procedures
• Identify and assess key risks within credit transactions, including recognizing red flags, inconsistencies, and potential areas of concern
• Develop practical and balanced credit recommendations while maintaining a customer-centric approach
• Collaborate with cross-functional teams to enhance underwriting processes, improve operational efficiencies, and support the development of credit policies and procedures
• Communicate credit decisions, findings, and recommendations clearly and professionally to internal stakeholders, borrowers, and external partners
• Maintain high quality and production standards in a fast-paced, entrepreneurial environment
• Demonstrate strong critical thinking skills and the ability to make informed decisions in situations with limited information or ambiguity
• Incorporate quality assurance feedback and industry best practices to continuously improve underwriting effectiveness and consistency

Requirements

• 1+ years of experience in a fast-paced environment within financial services

Nice to have:

• Experience in loan processing and credit underwriting or loan closing small business loans
• Experience in asset-based lending and/or factoring
• Bachelor’s degree or higher