Underwriting Analyst

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.