Underwriting Senior Analyst

Brex is the intelligent finance platform that enables companies to spend smarter and move faster in more than 200 markets.

As an Underwriting Senior Analyst, your goal is to ensure our underwriting processes run smoothly and efficiently for our cards products.

Responsibilities:

• Assess the credit quality in terms of our business credit card customers' ability to repay
• Review bank statements and financial statements to underwrite Brex customers
• Handle intermediate-level underwriting escalations requiring deeper investigation into applicant financials or edge-case scenarios
• Review existing underwriting processes and proactively identify and recommend improvements that align underwriting outcomes with broader organizational goals
• Track and communicate key underwriting metrics to stakeholders in a clear and meaningful way
• Build and maintain relationships with key partners across Risk, Sales, Engineering, and Product to drive underwriting initiatives forward
• Serve as a subject matter expert within your area of underwriting, executing with high precision and actively helping to up-level those around you
• Contribute to the ongoing learning and success of your team and the company by sharing knowledge through mentorship, collaboration, and aiding in documentation

Requirements:

• Bachelor's degree in finance, accounting, economics or related field
• 1+ years of experience in underwriting, credit risk, financial analysis, or a related field
• Passionate about credit and underwriting decisions on commercial exposures for small to large businesses
• Understanding of GAAP/IFRS accounting standards and bank/financial statement analysis
• Familiarity with quantitative credit risk models, probability of default and loss given default concepts
• Proficiency with Google Sheets, Excel, and Hex (or similar BI tools) for data extraction and analysis
• Deep familiarity with underwriting/credit tooling used to investigate and resolve escalations
• Strong analytical rigor and attention to detail
• Customer centric and passionate about thinking through customer needs and working with them while balancing risk exposures
• Experience working cross-functionally with teams such as Sales, Customer Experience, Engineering, or Product, with strong written and verbal communication skills
• Ability to communicate technical problems in an elegant and tactful way

Compensation: The expected salary range for this role is $65,600 - $82,000 USD.