This position is posted by Jobgether on behalf of a partner company. We are currently looking for a Senior Credit Underwriting Analyst in the United States.
This role sits at the intersection of credit risk, financial analysis, and customer-facing deal execution, supporting the development of innovative lending solutions for high-growth businesses. You will evaluate the creditworthiness of small and medium-sized enterprises, particularly in ecommerce, SaaS, and services sectors, and help structure lending solutions that balance growth enablement with risk management. Working closely with sales, product, and operations teams, you will play a key role in shaping underwriting decisions and improving credit frameworks in a fast-scaling environment. The position combines analytical rigor with real-world deal engagement, requiring both deep financial expertise and strong commercial judgment. You will interact directly with borrowers, supporting negotiations and structuring conversations from initial evaluation through deal closure. This is a highly cross-functional role where your work directly impacts portfolio quality, product evolution, and customer growth outcomes.
Accountabilities- Independently underwrite loan applications by analyzing financial and non-financial data across ecommerce, SaaS, and SMB borrowers.
- Structure, price, and recommend loan terms that balance risk exposure with business growth objectives.
- Lead borrower-facing diligence calls and actively support negotiations alongside sales teams throughout the deal lifecycle.
- Provide real-time underwriting guidance during deal structuring, from initial engagement to final approval and closing.
- Monitor portfolio performance, including covenant compliance, delinquency trends, and early warning risk indicators.
- Contribute to monthly portfolio reviews and risk reporting processes for leadership visibility.
- Support the development and refinement of credit policies, underwriting standards, and risk rating frameworks.
- Partner cross-functionally with sales, product, engineering, and data teams to improve underwriting workflows and credit infrastructure.
- Help enhance customer experience by improving speed, clarity, and consistency in credit decisioning processes.
Requirements
- 5+ years of experience in credit underwriting, commercial lending, or fintech lending environments.
- Strong expertise in financial statement analysis, cash flow evaluation, and credit risk assessment.
- Hands-on experience participating in customer-facing deal discussions, negotiations, and structuring conversations.
- Solid understanding of credit fundamentals, including risk rating methodologies and underwriting frameworks.
- Experience working in fast-paced, high-growth environments with evolving processes and systems.
- Strong cross-functional communication skills with the ability to collaborate across sales, product, legal, and engineering teams.
- Ability to translate complex credit concepts into clear, actionable insights for non-finance stakeholders.
- Exposure to SMB, fintech, or institutional lending environments is highly preferred.
- Familiarity with credit policy documentation or regulated lending frameworks is a plus.
- Strong analytical thinking combined with practical business judgment and decision-making ability.
Benefits
- Competitive base salary range depending on location (USD $128,600 – $160,700 / CAD $135,000 – $151,900)
- Equity participation through stock options
- Comprehensive healthcare coverage (medical, dental, vision)
- Opportunity to work in a fast-growing fintech environment shaping modern lending products
- Flexible and remote-friendly work arrangements (US and Canada eligible locations)
- Exposure to high-impact, cross-functional projects across credit, product, and engineering teams
- Inclusive and collaborative workplace culture focused on innovation and ownership
- Reasonable accommodations available throughout the hiring process
How Jobgether works:
We use an AI-powered matching process to ensure your application is reviewed quickly, objectively, and fairly against the role's core requirements. Our system identifies the top-fitting candidates, and this shortlist is then shared directly with the hiring company. The final decision and next steps (interviews, assessments) are managed by their internal team.
We appreciate your interest and wish you the best!
Why Apply Through Jobgether?
Data Privacy Notice: By submitting your application, you acknowledge that Jobgether will process your personal data to evaluate your candidacy and share relevant information with the hiring employer. This processing is based on legitimate interest and pre-contractual measures under applicable data protection laws (including GDPR). You may exercise your rights (access, rectification, erasure, objection) at any time.
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