# Underwriting Analyst

**Company**: Brex
**Location**: São Paulo, São Paulo
**Category**: Finance
**Industry**: Finance

**Apply**: https://job-boards.greenhouse.io/brex/jobs/8879575002?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply
**Canonical**: https://yubhub.co/jobs/job_47e2bdc9-554

## Description

## Job Summary

As an Underwriting Analyst, your goal is to support our underwriting processes for our card products and grow your skills as a credit professional.

## Responsibilities

- Own and work assigned cash-based underwriting queues, including account reviews, limit changes, and credit-related requests.

- Evaluate customer creditworthiness and repayment capacity using bank statements, transaction data, cash-flow trends, and other business information.

- Analyze cash balances, revenue, burn, runway, utilization, and transaction activity to identify evolving credit risk.

- Make sound, risk-based recommendations within delegated authority, balancing customer impact with responsible exposure management.

- Clearly communicate underwriting decisions, rationale, and information requirements to internal partners and, when needed, customers.

- Partner with Sales, Customer Experience, Credit Policy, Risk, Data, Product, and Engineering to resolve complex cases and improve the end-to-end credit experience.

- Identify recurring issues and opportunities to improve underwriting quality, efficiency, and consistency.

- Use data, spreadsheets, and AI-enabled tools to streamline routine work and surface actionable insights.

- Partner with cross-functional teams to improve tools and workflows that support cash-based underwriting.

## Requirements

- Passionate about credit and underwriting decisions on commercial exposures for small to large businesses.

- Strong analytical rigor and attention to details.

- Customer centric and passionate about thinking through customer needs and working with them while balancing risk exposures.

- Ability to communicate technical problems in an elegant and tactful way.

## Bonus Points

- Familiarity with quantitative credit risk models, probability of default (PD), and loss given default (LGD) concepts.

- Familiarity with underwriting or credit-risk tooling and workflows.

- Experience using SQL, Hex, spreadsheets, or similar tools to analyze data and identify trends.

- Familiarity with banking regulations and global markets.

- Experience using Salesforce or comparable case-management tools.

## Skills

### Required
- credit analysis
- financial analysis
- communication
- time management
- teamwork

### Nice to have
- quantitative credit risk models
- probability of default
- loss given default
- SQL
- Hex
- spreadsheets
- banking regulations
- global markets
- Salesforce

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Source: [Apply at job-boards.greenhouse.io](https://job-boards.greenhouse.io/brex/jobs/8879575002?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)