Job Title: Senior Underwriter

Location: Onsite Downtown Miami (moving locations to Blue Lagoon later this year)

Salary: $90K-$120K

Start: ASAP

Responsibilities:

• This position independently analyzes and underwrites credit requests for prospects and customers for Lines of Credit and Term Loans
• Ability to review and analyze Financial Statements and Tax Returns.
• Review all aspects of 3rdParty Credit reports on both the Business and the Guarantor, including Lexis Nexis, Equifax, Experian, Paynet and Clear.
• Applies underwriting guidelines and standards within credit authority.
• Ability to make decisions on files with minimal supervision.
• Perform detailed risk analysis, making decisions based on your findings.
• Verify gathered business documents during the underwriting processes such as financial, identification, or formation documentation.
• In-depth understanding of bank statements, seasonality, and industry trends.
• Prepare and/or review the completion of credit approval memorandums. Must have strong written and oral skills.
• Ability to prevent and detect fraudulent applications.
• Assure that the loan package complies with credit, underwriting standards.
• Must be able to think independently and provide creative financing solutions.

Requirements:

• Small Business Lending experience required with credit authority preferred
• BS degree, concentration in Business, Finance, or Economics
• Five years’ experience in Small Business Lending; SBA, Factoring or Alternative lending experience required
• In-depth knowledge of financial statements & tax returns
• Excellent analytical and problem-solving skills
• Superior attention to detail and accuracy
• Strong phone and email communication skills
• Experience working in a high-pressure, fast-paced environment
• Proven ability to consistently meet deadlines
• Ability to interact professionally with management, sales, and merchants
• South Florida candidates only