Risk Analyst I

Overview

The organization is seeking a highly motivated and experienced underwriting professional to join its Risk Management team. This role involves reviewing and assessing the financial risk of new and existing customers and making underwriting decisions in alignment with policy guidelines.

Responsibilities

• Collect, review, and analyze applicants’ relevant financial, demographic, and historic information and records, including:
  • Business financial statements (balance sheets, income statements, cash flow statements)
  • Bank statements
  • Credit reports
• Perform end-to-end underwriting analysis to mitigate financial risk and make timely, accurate decisions on application outcomes.
• Make determination to approve, decline, or seek an exception for an application based on policy guidelines.
• Conduct portfolio management activities, evaluating and identifying suspicious or questionable items.
• Complete bank statement analysis, including financial spreading and risk ratio analysis, culminating in an underwriting memo.
• Recommend policy and process improvements to mitigate potential failure points across the underwriting journey.
• Communicate directly with clients and sales regarding application status.
• Clearly explain why and when additional documents are needed to determine a client’s creditworthiness.
• Make quality decisions within expected SLA.

Requirements

• 2–5 years of underwriting experience in financial services, high-growth payments, or fintech.
• Strong critical reasoning, problem-solving, and analytical skills.
• Ability to work independently while thriving in a collaborative team environment.
• Excellent oral and written communication skills.
• Familiarity with fundamentals of financial risk assessment.
• Familiarity with the U.S. compliance, lending, and regulatory environment, including:
  • KYC
  • Reg B
  • Reg Z
  • UDAAP
  • FCBA
  • Truth in Lending Act
• Experience with quantitative and qualitative analysis.
• Strong organization and time management skills.
• Proven experience with bank-based and financial underwriting.
• Demonstrated competency in mathematics and financial spreading.

Preferred Qualifications

• Experience spanning financial services underwriting, portfolio management, and risk assessment across the underwriting lifecycle.

Compensation & Benefits

• Not specified in the provided description.

Location

• For US-based roles, depending on role and primary work location, candidates may be required to execute a non-compete covenant.
• This non-compete requirement does not apply to lawyers, interns, or employees working in CA, MN, MT, ND, OK, or where otherwise prohibited by law.
• Non-compete covenant terms in other jurisdictions will be subject to applicable statutory requirements.
• Some interviews and/or new-hire training sessions may be held in person at one of the organization’s global offices.

Additional Requirements (Export Controls)

• The applicant must be authorized to receive and access commodities and technologies controlled under U.S. Export Administration Regulations.
• It is the organization’s policy to require employees be authorized to receive access to the organization’s products and technology.

Equal Opportunity

• The organization is an equal opportunity employer and welcomes people of different backgrounds, experiences, abilities, and perspectives.