Senior Underwriter - Finance
Core
Evaluate SMB financing applications, assess credit and repayment risk, and make funding recommendations for a U.S. fintech lender.
Role type
Senior Underwriter (SMB/Commercial Financing)
Builds
Working capital and financing solutions for small and medium-sized businesses
Domain
Fintech / Alternative Lending / Commercial Finance
Deliverable
Production ML models | product features
Required skills
SMB/commercial underwriting, credit risk analysis, financial statement analysis, fraud detection, due diligence, risk decision-making, high-volume processing
Preferred skills
Fintech/alternative lending experience, merchant cash advance, working capital financing
Technologies
Automated underwriting tools
Responsibilities
Review and evaluate SMB financing applications; Analyze business bank statements, cash flow, and debt obligations; Assess repayment capacity and transaction risk; Identify inconsistencies and fraud indicators; Conduct business and ownership due diligence; Make underwriting decisions within credit policies; Determine financing amounts and terms; Document underwriting rationale; Collaborate with Sales, Operations, and Risk teams; Manage multiple applications meeting turnaround expectations; Escalate complex or high-risk cases; Contribute to policy and process improvements; Apply human judgment alongside automated tools.
Seniority
Senior, hands-on IC