Underwriting Analyst

World Business Lenders, LLC; Philippines; Remote; PHP 2,881,000 - 4,481,000; Full time

Benefits offered by this job

Paid Time Off (PTO)

Salary in USD

Remote work from home

Job summary

World Business Lenders, LLC is seeking an underwriting/credit analysis professional to join its fully remote team. You will review financial statements, tax returns, and cash flows, prepare underwriting materials, and ensure adherence to internal guidelines with near-zero errors.

This role requires strong English, both written and spoken, with experience in lending or banking and at least two years in underwriting.

Qualifications

• Bachelor's degree or equivalent experience.
• At least 2 years of underwriting, credit analysis, lending, or banking experience.
• Experience with financial analysis or structured credit is a plus.

Responsibilities

• Get credit analysis ready to support well-informed credit recommendations.
• Review bank statements, financial statements, tax returns, and cash flow statements for thorough analyses.
• Structure and underwrite complex credit applications balancing profitability with risk guidelines.
• Create financial models to analyze loan performance and portfolio health.
• Ensure loan applications are underwritten per underwriting guidelines, policies, and procedures.
• Prepare underwriting forms (Excel) and Loan Approval forms for review.

Skills

Strong analytical mindset

Attention to detail

Stress tolerance

Self-learner / ability to work autonom

English proficiency

Education

Bachelor's degree or equivalent experience

Tools

MS Excel

Job description

About World Business Lenders About Us

World Business Lenders (WBL) provides short-term, real estate-collateralized commercial loans to small and medium-sized businesses across the United States that do not have access to traditional financing. The company also services its own loan portfolio and those of third parties, with a focus on managing non-performing loan pools and REO.

• WBL is a U.S.-based company with a fully remote workforce.
• Working hours are 9:00am-6:00pm Eastern Time, Monday through Friday
• The role requires strong spoken and written English.
• All resumes must be submitted in English

Overview

The role requires near-zero errors in credit sheets and CRM data entry, basic product knowledge, effective inter-departmental communication, and a solid understanding of underwriting concepts and internal guidelines.

Job Duties and Responsibilities

• Get credit analysis ready to help support well-informed credit recommendations
• Review business bank statements, financial statements, tax returns, and cash flow statements to perform thorough investment analyses
• Work on structuring and underwriting complex credit applications, balancing profitability goals with risk guidelines
• Create financial models that help analyze both individual loan performance and overall portfolio health
• Make sure all loan applications are underwritten following WBL's underwriting guidelines, policies, and procedures
• Prepare underwriting forms (using Excel) and Loan Approval forms for review, ensuring all information is complete and accurate

Requirements

Education

• Bachelor's degree or equivalent experience demonstrating relevant proficiency

Experience

• At least 2 years of experience in underwriting, credit analysis, lending, or banking
• Experience with financial analysis or structured credit work is a big plus

Preferred Background / Industry Experience

• Lending Industry
• Banking Sector

Specific Technical Skills Needed

• Intermediate MS Excel proficiency
• Ability to analyze:
• Financial statements (P&L, balance sheet, cash flow)
• Bank statements
• Tax returns
• Basic financial modeling capability
• Understanding of credit underwriting principles

Specific Soft Skills Needed

• Strong analytical mindset
• High attention to detail
• Stress tolerance
• Self-learner / ability to work independently

Benefits

• Enjoy Paid Time Off (PTO) to recharge
• Salary paid in USD
• Work comfortably 100% from home