Underwriting Analyst

Overview

This role supports credit analysis and underwriting for short-term, real estate–collateralized commercial loans for small and medium-sized businesses. The organization also services its own loan portfolio and those of third parties, with a focus on managing non-performing loan pools and REO.

Responsibilities require near-zero errors in credit sheets and CRM data entry, basic product knowledge, effective inter-departmental communication, and a solid understanding of underwriting concepts and internal guidelines.

Responsibilities

• Prepare credit analysis 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.
• Create financial models to analyze both individual loan performance and overall portfolio health.
• Ensure loan applications are underwritten in accordance with underwriting guidelines, policies, and procedures.
• Prepare underwriting forms (using Excel) and Loan Approval forms for review, ensuring all information is complete and accurate.

Requirements

• Bachelor’s degree or equivalent experience demonstrating relevant proficiency.
• At least 2 years of experience in underwriting, credit analysis, lending, or banking.
• Strong spoken and written English.
• Resumes must be submitted in English.
• Working hours: 9:00am–6:00pm Eastern Time, Monday through Friday.

Preferred Qualifications

• Experience with financial analysis or structured credit work.
• Background in the lending industry.
• Background in the banking sector.

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

• Paid time off (PTO) to recharge.
• Salary paid in USD.

Location

• 100% remote (work comfortably from home).
• U.S.-based role covering clients across the United States.