Credit Underwriter

 

About the Company

Our client is a venture-backed fintech company focused on modernizing payment systems for the transportation and logistics sector. They provide financial products used by fleets of all sizes, enabling transparent, secure, and efficient capital movement.

Their mission is to modernize outdated financial tools in an industry that powers the backbone of the economy. Their team includes professionals from leading global tech companies, and they are backed by top-tier venture investors and strategic industry partners.

About the Role

We are looking for a Credit Underwriter to join the client’s Risk team. This role focuses on reviewing financial applications, evaluating credit risk, and making informed lending decisions for new customers, specifically in forward financing. You will assess financial documentation, determine approval terms, and manage high-volume onboarding queues with accuracy and efficiency.

Please note: While the title is Underwriter, the day-to-day tasks also include significant involvement in financial modeling, analytics, and strategy. This role does not primarily focus on daily underwriting decisions for small business loans, lines of credit, or credit cards, but rather a combination of financial analysis, forward financing, and strategic decision-making.

Candidates must have U.S. underwriting experience and must be able to work aligned with the U.S. time zone schedule.

Key Responsibilities

• Review and analyze customer applications for small business loans, credit lines, and forward financing products (e.g., loans provided in advance of expenses or projects).
• Evaluate business creditworthiness and determine approval terms for loans and credit lines.
• Write clear, well-supported credit decisions.
• Manage high-volume onboarding and conduct ongoing risk reviews.
• Collaborate with internal teams to improve risk processes and decision quality.
• Maintain accuracy and consistency in a fast-paced underwriting environment.

Required Qualifications

• 2–3 years of experience in credit underwriting or financial/credit analysis, specifically with small business loans, credit lines, and forward financing.
• 1–2 years of underwriting experience with a U.S. fintech or U.S. bank, focusing on small business financing and forward financing.
• Strong analytical skills and experience reviewing financial documentation, including bank statements, tax returns, and credit reports.
• Bachelor’s degree in Finance, Business, Economics, or a related field.
• Experience in fintech, payments, lending, or transportation-related services is mandatory.
• Ability to work until 3 PM PST consistently.

Nice to Have

• Familiarity with underwriting tools or risk management systems.

What the Client Offers

• Competitive U.S. salary.
• Opportunity to join a growing fintech company with long-term growth potential.
• Fully remote position, aligned with U.S. time zones.
• A supportive team culture with strong operational leadership.