Underwriting – Credit

Overview

• Assess and underwrite credit transactions for small and medium-sized businesses, ensuring alignment with risk parameters and organizational goals.
• Analyze financial data, including cash flows and business performance, to evaluate creditworthiness and recommend funding terms.
• Collaborate with internal teams and partners to structure transactions that meet client needs while adhering to risk guidelines.
• Utilize advanced financial modeling and analytics to assess transaction risks and industry exposure effectively.
• Monitor post-funding performance, identifying early indicators of credit deterioration and proposing mitigation strategies.
• Stay informed on market trends and developments in alternative lending to enhance underwriting practices.
• Contribute to maintaining compliance standards and ensuring clear documentation of underwriting decisions.
• Support the development and refinement of underwriting policies and procedures to improve operational efficiency.

Key Responsibilities & Duties

• Conduct detailed analysis of financial health and creditworthiness of applicants, focusing on cash flow and revenue trends.
• Perform thorough due diligence by reviewing financial documentation, including bank statements and tax returns.
• Utilize financial modeling tools to evaluate transaction risks and business stability effectively.
• Collaborate with commercial teams to structure transactions within established risk guidelines and organizational objectives.
• Ensure comprehensive documentation supporting underwriting decisions and compliance standards.
• Monitor funded transactions, identifying indicators of credit deterioration and proposing actionable solutions.
• Stay updated on market trends and developments in alternative lending products to enhance decision-making.
• Contribute to the continuous improvement of underwriting policies and procedures to align with industry best practices.

Job Requirements

• Bachelor’s degree in Finance, Accounting, Business, Economics, or a related field.
• 1–4 years of experience in underwriting or credit analysis, preferably within alternative finance sectors.
• Proficiency in financial statement and cash flow analysis, with a proven ability to assess credit risk.
• Familiarity with non-traditional lending structures and alternative finance products.
• Advanced Excel skills and experience with underwriting platforms and tools.
• Professional certifications such as CFA or CPA are advantageous but not mandatory.
• Strong analytical and problem-solving skills with the ability to work independently and collaboratively.
• Adaptability to a hybrid work environment and commitment to continuous professional growth.