Who are we?
We want to help small businesses win. That’s why we’re here.

We connect small business owners to investors – to create jobs, support local communities and power economies – because we believe that people are made to do more. And we want to help realize their goals.

So, we created the leading small business loan platform. At the end of 2020, Funding Circle had lent $15.2 billion in 143,000 loans to 100,000 small business owners globally. There’s never been a better time to join!

Be part of the team that changes everything. Let’s build the place where small businesses can get the funding they need to win and leave a legacy behind, forever.

This role sits within what we call the “Funnel” team. They are the face of Funding Circle and work passionately to make sure small businesses have an incredible experience in getting the funding they need.

What will you be doing?

We are seeking a smart, passionate, and hard-working Commercial Underwriter to join our quickly expanding team. The ideal candidate will be both experienced and confident in making lending decisions to small businesses. You will join a highly motivated team and you will be afforded substantial responsibility and opportunity for growth from day one.

• Evaluating Loan Applications: Your main focus will be to analyze borrowers’ creditworthiness and make lending decisions. Using our proprietary credit model and your own underwriting expertise, you will analyze financial statements, the information provided in borrowers’ loan applications, credit bureau information, and other third-party data to determine whether or not we should fund a particular loan.
• Improving Underwriting Process and Policy: You will work closely with our Borrower Sales and Product Teams to improve the underwriting process. You will also work to optimize the application and funding experience for borrowers, while identifying areas in need of further control.
• Credit Risk Model and Underwriting Policy Improvement: You will be active in providing feedback to the risk modeling teams and suggestions on how to strengthen our underwriting models and policies.

Are you?

• At least 2 years of experience in commercial loan underwriting, preferably in small business, SBA or middle market underwriting
• Experience in making business lending decisions and interpreting financial information in the context of small business credit quality
• Knowledge of financial statement components and understanding of key risk drivers
• Strong communication skills and an ability and desire to act as the outward face of Funding Circle
• Great analytical skills with commercial awareness and a practical approach
• Ability to “think outside the box” and suggest changes to processes in order to improve efficiency and impact while having an appreciation for control and prudence
• Ability to learn and teach others while working in a team environment, as well as independently
• Ability to plan and organize workload to ensure consistent achievement of goals and targets
• Enthusiasm for a fast-paced, team-oriented start-up environment
• Identification with our mission: 'To Build a Better Financial World'
• Alignment with our core values: Think Smart, Make It Happen, Be Open, Stand Together, Live the Adventure

Did you know?

Research shows that some people are less likely to apply to jobs unless they meet every single criteria. At Funding Circle we are committed to building diverse teams so please apply even if your past experience doesn’t align perfectly with the requirements. You might just be the perfect fit.
Why should you join us?

We’re gearing up for our biggest chapter yet – and it’s being driven by all of our Circlers.

We think of ourselves as the career launchpad. A place to develop yourself, fast. Real work. Real experience. Real opportunities to collect skills. Think big remits and huge ownership to make great things happen.

Yes, it’s target-driven and high-octane – but we like to play hard too. That’s what makes us, us. Our vibrant culture is built around potential and creating a place where you can really be you. We keep it agile and open. All voices heard. Because we believe great ideas come from everywhere.

If you show skill and willing, we’ll back you all the way. This is the place for you to build something incredible.

Our Benefits:

• Unlimited PTO
• Hybrid Working
• Flexible Work Hours
• Monthly Lifestyle subsidy
• Spring Health EAP
• Generous Parental Leave
• No cost Healthcare options
• PPO, HMO options available
• 401(k) Retirement Match- vests right away!
• Commuter Benefit, WFH subsidy
• Career Development Resources

It’s in our differences that we find our strengths.

At Funding Circle, we celebrate and support the differences that make you, you. We’re proud to be an equal opportunity workplace and affirmative action employer. We truly believe that diversity makes us better.

We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation.

Want to Build the Incredible? We’d love to hear from you.

*Depending on location and experience* Base Salary range of $55,000 to $95,000 benefits

The health and safety of Funding Circle employees is our top priority. Therefore, as a condition of employment, Funding Circle requires proof of COVID vaccination for all U.S.-based new hires beginning October 1, 2021. Reasonable accommodations will be made for medical or religious reasons consistent with applicable laws.

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