Rapid Credit Underwriter — Move Fast, Assess Risk

Elect Capital; Toronto; On-site; CAD 70,000 - 110,000; Full time

Benefits offered by this job

Competitive salary

Growth opportunities

Impactful work

Job summary

Elect Capital in Toronto is seeking a sharp Underwriter to assess credit risk across deal flow. You will analyse financial data, apply credit policy, and collaborate with sales, ops and credit to move qualified deals quickly.

This hands-on role demands accuracy, commercial instinct, and pace, with opportunities to shape credit policy and contribute to rapid growth at a mission-driven fintech.

Qualifications

• Highly organised — nothing gets missed, nothing gets dropped.
• Clear, professional communicator with a commercial edge.
• Self-starter who stays aligned with team goals.
• Thrives in fast-paced environments with multiple moving parts.

Responsibilities

• Underwrite deals ranging from $25K – $1.5M
• Analyse financials, bank data, and open banking feeds to assess creditworthiness
• Apply credit risk policies accurately and flag sensible exceptions for review
• Support offer structuring that balances speed, risk, and commercial value
• Work closely with the sales team to support fast decisions and clean execution
• Escalate edge cases and complex scenarios to senior underwriters or credit leadership
• Maintain accurate underwriting documentation and CRM records
• Contribute insight and feedback to help refine credit policy over time

Skills

Organised

Clear communication

Commercial mindset

Self-starter

Job description

Elect Capital in Toronto is seeking a sharp Underwriter to assess credit risk across deal flow. You will analyse financial data, apply credit policy, and collaborate with sales, ops and credit to move qualified deals quickly.

This hands-on role demands accuracy, commercial instinct, and pace, with opportunities to shape credit policy and contribute to rapid growth at a mission-driven fintech.