Commercial Underwriter — Fintech Credit Risk

Capchase

Lahore

On-site

PKR 24,993,000 - 33,324,000

Full time

14 days+

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Job summary

Capchase is seeking a detail-oriented credit underwriter to join our global credit team. You will review borrower profiles, apply our credit policy, and help vendors close deals with fast decision times in a fintech environment.

Ideal candidates have 3–5 years in commercial financial services, underwriting borrowers, and a bachelor's in finance, engineering, or CS. You should understand US lending practices and be able to work US hours.

Qualifications

3-5 years experience in commercial financial services, credit risk preferred.
3+ years underwriting commercial borrowers.
2+ years in a transactional operations environment with high-volume processing.
Bachelor's degree in finance, engineering, computer science, or related discipline.
Strong analytical capabilities with excellent attention to detail.
Experience with US commercial lending practices.
Ability to maintain US working hours and holiday schedule.

Responsibilities

Perform risk assessments on potential commercial borrowers based on credit bureau information, internal borrowing history, and other factors.
Evaluate compliance requirements including OFAC and KYC screening.
Apply a proprietary credit policy to assign borrower ratings, credit limits, and loan features.
Articulate when additional details or financial documents are required.
Evaluate borrower documents to ensure accuracy and completeness.
Spread customer financial information and analyze standard financial ratios.
Support colleagues and leaders in large, complex transactions.
Record loan application decisions and the specific basis for decision.
Focus on client relationships and superior customer service.