Underwriting Senior Analyst

United States Digital Space LLC; Vancouver; Hybrid; CAD 64,000 - 80,000; Full time

Job summary

the company LLC in Vancouver is hiring an Underwriting Senior Analyst to ensure underwriting processes run smoothly for card products. You will resolve moderately complex cases and collaborate with Sales, Customer Experience, Engineering and Product to hit organizational goals.

This hybrid role requires a minimum of three in-office days per week (Mon, Wed, Thu) with up to four weeks of fully remote work per year. Strong communication and analytical skills are essential for success in this role.

Qualifications

• Bachelor's degree in finance, accounting, economics or related field.
• 1+ years of underwriting, credit risk, financial analysis, or related field.
• Passionate about credit and underwriting decisions on commercial exposures for small to large businesses.
• Understanding of GAAP/IFRS accounting standards and 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 resolve escalations.
• Strong analytical rigor and attention to detail.
• Customer centric and passionate about thinking through customer needs while balancing risk exposures.
• Experience working cross-functionally with Sales, Customer Experience, Engineering, or Product.

Responsibilities

• Assess the credit quality of business credit card customers and their ability to repay.
• Review bank statements and financial statements to underwrite company customers.
• Handle intermediate underwriting escalations requiring deeper investigation into applicant financials.
• Review underwriting processes and identify improvements to align outcomes with goals.
• Track and communicate underwriting metrics to stakeholders clearly.
• Build and maintain relationships with Risk, Sales, Engineering, and Product teams to drive initiatives.
• Serve as a subject matter expert in underwriting and help up-skill peers.
• Contribute to team learning and company success through mentorship and documentation.

Skills

Underwriting experience

Financial analysis

GAAP/IFRS

Excel/Google Sheets

Communication

Cross-functional collaboration

Risk assessment

Customer focus

Education

Bachelor's degree in finance, accounting, economics or related field

Tools

Hex

BI tools

Job description

Why join us

the company is the intelligent finance platform that enables companies to spend smarter and move faster in more than 200 markets. By combining global corporate cards and banking with intuitive spend management, bill pay, and travel software, the company enables founders and finance teams to accelerate operations, gain real-time visibility, and control spend effortlessly. the company’s AI-native automation and world-class service eliminate manual expense and accounting tasks for customers so they can focus on what matters most. Tens of thousands of the world’s best companies run on the company, including DoorDash, Coinbase, Robinhood, Zoom, Plaid, Reddit, and SeatGeek.

Working at the company allows you to push your limits, challenge the status quo, and collaborate with some of the brightest minds in the industry. We’re committed to building a diverse team and inclusive culture and believe your potential should only be limited by how big you can dream. We make this a reality by empowering you with the tools, resources, and support you need to grow your career.

Operations at the company

Operations is the backbone of the company’s mission to power businesses through our Intelligent Finance Platform. We own credit, fraud, money movement, and payments, protecting our customers and our company. From product operations that ensure flawless launches to scalable systems that drive innovation and precision, we operate at the intersection of product, design, engineering, and customer success. If you want to work at the heart of the business, Operations is where you belong.

What you'll do

As an Underwriting Senior Analyst, your goal is to ensure our underwriting processes run smoothly and efficiently for our cards products. You'll exercise judgment within established underwriting frameworks to resolve moderately complex cases involving multiple contributing factors. This is a role that requires strong communication, time management, and teamwork. You will implement solutions to uplift processes and engage cross-functionally with our Sales, Customer Experience, Engineering and Product teams to contribute to meeting organizational goals.

Where you'll work

This role will be based in our Vancouver office. We are a hybrid environment that combines the energy and connections of being in the office with the benefits and flexibility of working from home. We currently require a minimum of three coordinated days in the office per week, Monday, Wednesday and Thursday. As a perk, we also have up to four weeks per year of fully remote work!

Responsibilities

• Assess the credit quality in terms of our business credit card customers' ability to repay

• Review bank statements and financial statements to underwrite the company 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 (e.g., approval rates, turnaround time, loss rates) 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

Bonus Points

• Familiarity with banking regulations and global markets

• FinTech, Big 4, Accounting or other financial experience preferred

Compensation

The expected salary range for this role is $63,896 - $79,870 CAD. However, the starting base pay will depend on a number of factors including the candidate’s location, skills, experience, market demands, and internal pay parity. Depending on the position offered, equity and other forms of compensation may be provided as part of a total compensation package.

the company LLC is a wholly owned subsidiary of Capital One, N.A.