Description

Seeking an underwriter for our PO finance and recourse factoring divisions where we provide flexible financing solutions to small and mid-sized businesses. Our facilities close working capital gaps quickly and efficiently through our diligence process and relationship-focused service.

This position plays a key role in supporting credit decisions within a fast-paced lending environment.  Focuses on evaluating transactions, assessing transaction-level risk, and analyzing borrower and buyer creditworthiness. Unlike traditional bank underwriting, this role requires comfort with dynamic risk profiles, shorter decision timelines, and structured deals tailored to growth-stage businesses.

This is an excellent opportunity for someone looking to build a career in lending, specialty finance, or commercial credit.

Key responsibilities:

•         Review and analyze applications and supporting documentation.
•         Verify purchase orders, supplier contracts, and buyer creditworthiness
•         Conduct financial analysis including review of balance sheets, income statements, and cash flow statements
•         Perform risk assessments and identify potential credit, operational, and fraud risks
•         Assist in preparing underwriting reports and credit memos 
•         Support senior underwriters in structuring finance deals within company risk policies
•         Communicate with clients, brokers, and referral sources to obtain required information
•         Maintain accurate underwriting files and documentation, and update Salesforce
•         Ensure compliance with internal credit policies and regulatory requirements 
•         Collaborate with Sales, Operations, and Portfolio teams to facilitate fast funding decisions
•         Assists with legal documentation, due diligence, and client onboarding
•         Monitor approved deals for performance and flag early warning signs
•         Participate in industry events, conferences, and client-facing activities as needed (light travel required)

Requirements

Qualifications & Requirements:

•         Bachelor’s degree in finance, Accounting, Business, Economics, or related field
•         5–10 years of experience in credit analysis, underwriting, trade finance, or banking 
•         Strong understanding of financial statements and credit risk assessment
•         Strong analytical and numerical skills
•         High attention to detail, organizational ability and prioritizing 
•         Proficiency in Microsoft Excel and financial analysis tools 
•         Strong written and verbal communication skills

Preferred Experience:

•         Experience in asset-based lending, factoring, PO finance, or working capital finance
•         Familiarity with transaction-based underwriting
•         Understanding of supply chain finance structures

What Makes This Role Different from a Bank:

• Faster decision cycles
• Deal-level underwriting rather than solely balance-sheet lending
• Greater flexibility in structuring transactions