Overview
This role involves underwriting and deal support as an Expediter, helping protect portfolio quality while supporting revenue growth through timely, sound underwriting decisions.
You will identify, gather, and analyze information required to assess credit risk and determine sources of repayment. The role emphasizes accurate documentation, independent judgment, and alignment with internal credit policies and risk standards, while collaborating across teams to keep deals moving efficiently.
Responsibilities
Credit Analysis & Risk Assessment (50%)
- Conduct detailed financial analysis of merchant applications, including bank statements, financial statements, tax returns, and supporting business documentation.
- Evaluate merchant credibility and repayment ability using cash flow analysis, ratio analysis, trend review, and verification of submitted information.
- Identify risk factors, detect red flags, and resolve inconsistencies using internal tools and documentation.
- Research business reputation through public reporting sources to assess reputational and operational risk.
- Make approval or decline recommendations aligned with company risk tolerance and policies.
Application Processing & Compliance (20%)
- Ensure underwriting decisions comply with internal credit policies, procedures, and risk philosophy.
- Maintain accurate documentation and complete files to support audit and compliance standards.
- Meet established service-level agreements (SLAs) and turn-time commitments to support business velocity.
Quality Assurance & Final Review (15%)
- Perform final underwriting reviews of files completed by peers prior to decisioning.
- Verify compliance with underwriting guidelines, documentation standards, and approval authority requirements.
- Ensure consistency of risk assessment and decision quality across the underwriting team.
- Escalate material concerns, inconsistencies, or high-risk findings to leadership when appropriate.
Cross-Functional Communication & Deal Support (15%)
- Communicate clearly and professionally with ISOs, Brokers Support, and merchants via written and verbal channels.
- Partner with Sales, Broker Support, and Risk teams to clarify documentation, verify information, and move deals efficiently through the pipeline.
- Escalate complex or high-risk cases appropriately to leadership.
Key Performance Indicators
- Approval quality and portfolio performance (loss rate alignment)
- SLA adherence / Speed to decision
- Documentation accuracy and compliance standards
- Deal throughput volume
- Escalation accuracy and risk flag detection
Requirements
- Bachelor’s degree in Finance, Economics, Business, or related field required.
- 1–3+ years of experience in underwriting, financial analysis, credit risk, or related financial services field preferred.
- Proven ability to analyze financial statements and assess repayment risk.
- Experience reviewing bank statements and business financial documentation required.
Preferred Qualifications
- Strong understanding of cash flow analysis, credit risk assessment, and underwriting fundamentals.
- Understanding of seasonality, industry trends, and small business financial behavior preferred.
- Comfort exploring and leveraging AI tools to improve efficiency, research, documentation, and problem-solving within the underwriting process.
Tools & Expertise
- Proficiency in Microsoft Excel and financial analysis tools.
- Strong analytical thinking and sound decision-making skills with minimal supervision.
- Ability to detect patterns, inconsistencies, and potential manipulation in financial documentation.
- Ability to use AI-supported insights responsibly while applying independent judgment, validating information, and following company policies and risk standards.
Compensation & Benefits
- Competitive pay.
- Flexible PTO.
- Full benefits package: health, dental, vision.
Location
- Fully remote within the U.S., working Eastern Time hours.