About the role
The Underwriting Analyst prepares clear, evidence-based evaluations of commercial financing applications for independent providers in our network. You will review bank activity, tax returns, credit information, and other business documents; identify patterns or gaps; and summarize relevant strengths, risks, and outstanding questions without making unsupported assumptions.
You will collaborate with sales and operations to obtain complete documentation, maintain a reliable audit trail, and present findings in a format providers can assess efficiently. The work requires financial fluency, careful handling of sensitive information, consistent application of internal procedures, and the judgment to escalate unusual or incomplete files.
Responsibilities
- Analyze business bank statements, tax returns, and financial documents
- Assess creditworthiness and business performance across various industries
- Prepare funding recommendations and risk summaries for providers
- Communicate with sales team to gather additional documentation as needed
- Stay current on industry trends and underwriting best practices
Requirements
- 2+ years of experience in underwriting, credit analysis, or commercial lending
- Strong financial analysis and Excel skills
- Ability to evaluate risk across diverse business types and industries
- High attention to detail and ability to work under tight deadlines
- Knowledge of MCA or alternative lending products preferred
What success looks like
- Produce concise, traceable analyses that connect each recommendation to verified information in the application file
- Flag missing, inconsistent, or time-sensitive information early enough to avoid preventable review delays
- Apply review procedures consistently while recognizing when industry context or unusual cash-flow patterns require escalation
- Protect confidential business information and maintain accurate records of documents, questions, and provider feedback