What are the responsibilities and job description for the Senior Credit Underwriter position at Idea Financial?
Company Description
At Idea Financial, we empower businesses by providing fast and flexible financing solutions, including revolving lines of credit and working capital loans. Trusted by business owners across diverse industries, we pride ourselves on offering personalized support, transparent terms, and competitive rates. Our streamlined application process helps businesses access funds efficiently with minimal hassle. Whether for expansion, covering daily operations, or managing cash flow gaps, Idea Financial serves as a reliable partner in business growth.
Role Description
This is a full-time, on-site or remote role based in Miami, FL. As a Credit Underwriter, you will evaluate credit requests, assess financial documents, and make decisions in alignment with organizational risk policies. You will perform detailed analyses of creditworthiness, financial statements, and loan applications while collaborating with internal teams. An essential part of the role is effectively communicating underwriting decisions with team members and stakeholders.
Qualifications
- Proficiency in Credit Underwriting and experience in financial evaluation
- Strong Analytical Skills and familiarity with assessing creditworthiness
- Underwriting expertise, particularly in loan products
- Excellent Communication skills, both written and verbal
- Knowledge of financial systems and tools with attention to detail
- Ability to work collaboratively in an on-site environment
- Bachelor's degree in Finance, Business Administration, or a related field is preferred
- Experience in the financial services industry is a plus
What we offer:
- A challenging and rewarding early-stage startup opportunity with unlimited growth potential
- A beautiful open-concept office space in the heart of downtown Miami - walking distance from public transit and a variety of local restaurants and cafes
- A fun, friendly, and talented team that is passionate about financial technology and helping small businesses succeed
- Generous benefits and perks including a matching 401K plan, medical, dental, unlimited snacks, flexible vacation policy, casual dress, free gym membership, team lunches, and activities
Idea Financial is an equal opportunity employer. At Idea Financial, we make all employment decisions without regard to sex, sexual orientation, gender identity, race, color, religion, age, national origin, pregnancy, citizenship, disability, service in the uniform services, or any other classification protected by federal, state, or local law.