Underwriting Analyst

Overview

This role supports underwriting and credit analysis for short-term, real estate–collateralized commercial loans to small and medium-sized businesses that do not have access to traditional financing. The organization also services its own loan portfolio and those of third parties, with a focus on managing non-performing loan pools and REO.

The workforce is fully remote (100% from home).

Working hours are 9:00am–6:00pm Eastern Time, Monday through Friday.

Strong spoken and written English is required. All resumes must be submitted in English.

Responsibilities

• Prepare credit analysis materials to support well-informed credit recommendations.
• Review business bank statements, financial statements, tax returns, and cash flow statements to perform thorough investment analyses.
• Structure and underwrite complex credit applications, balancing profitability goals with risk guidelines.
• Build financial models to analyze both individual loan performance and overall portfolio health.
• Ensure all loan applications are underwritten according to internal underwriting guidelines, policies, and procedures.
• Complete underwriting forms using Excel and prepare Loan Approval forms for review, ensuring information is complete and accurate.
• Maintain near-zero errors in credit sheets and CRM data entry.
• Support effective inter-departmental communication.

Requirements

• Near-zero error tolerance for credit sheets and CRM data entry.
• Basic product knowledge.
• Solid understanding of underwriting concepts and internal guidelines.
• Education: Bachelor’s degree or equivalent experience demonstrating relevant proficiency.
• Experience: At least 2 years of experience in underwriting, credit analysis, lending, or banking.

Preferred Qualifications

• Experience with financial analysis or structured credit work.
• Lending industry and/or banking sector experience.

Technical Skills

• Intermediate MS Excel proficiency.
• Ability to analyze:
  • Financial statements (P&L, balance sheet, cash flow)
  • Bank statements
  • Tax returns
• Basic financial modeling capability.
• Understanding of credit underwriting principles.

Soft Skills

• Strong analytical mindset.
• High attention to detail.
• Stress tolerance.
• Self-learner with ability to work independently.

Compensation & Benefits

• Salary paid in USD.
• Paid Time Off (PTO).

Location

• Work comfortably 100% from home.
• U.S.-based organization.