Underwriting Senior Analyst

Responsibilities

• Assess the credit quality and repayment ability of business credit card customers.
• Review bank statements and financial statements to underwrite customers.
• Handle intermediate-level underwriting escalations involving deeper investigation into applicant financials and edge cases.
• Review underwriting processes and recommend improvements aligned with organizational goals.
• Track and communicate underwriting metrics, including approval rates, turnaround time, and loss rates.
• Build relationships with partners across Risk, Sales, Engineering, and Product to advance underwriting initiatives.
• Serve as a subject matter expert, execute with precision, and mentor team members.
• Share knowledge through documentation, collaboration, and team learning.

Requirements

• Bachelor's degree in finance, accounting, economics, or a related field.
• 1+ year of experience in underwriting, credit risk, financial analysis, or a related field.
• Interest in credit and underwriting decisions for commercial exposures across businesses of varying sizes.
• Understanding of GAAP/IFRS accounting standards and bank/financial statement analysis.
• Familiarity with quantitative credit risk models, probability of default, and loss given default concepts.
• Proficiency with Google Sheets, Excel, and Hex or similar BI tools.
• Familiarity with underwriting and credit tooling used to investigate and resolve escalations.
• Strong analytical rigor, attention to detail, communication, and cross-functional collaboration skills.
• Customer-centric approach with the ability to balance customer needs and risk exposure.
• Ability to communicate technical problems clearly and tactfully.

Nice-to-haves

• Familiarity with banking regulations and global markets.
• Experience in fintech, Big Four, accounting, or other financial services environments.

Compensation

• Expected salary range: $74,128–$92,660 USD.
• Equity and other compensation may be included depending on the position offered.