Underwriting Analyst

World Business Lenders, LLC; Lahore; Remote; PKR 18,006,000 - 27,701,000; Full time

Benefits offered by this job

Paid Time Off

Remote work

Salary in USD

Job summary

World Business Lenders, LLC is seeking a careful underwriting professional to prepare credit analyses, review financial documents, and support informed loan decisions. This fully remote role demands strong English communication and meticulous data entry.

You will build financial models, adhere to underwriting guidelines, and collaborate across departments to balance profitability with risk. Candidates typically have a bachelor’s degree and at least two years of underwriting or credit analysis

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 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 to analyze loan performance and portfolio health.
• Ensure loan applications are underwritten following underwriting guidelines, policies, and procedures.
• Prepare underwriting forms (using Excel) and Loan Approval forms for review, ensuring completeness and accuracy.

Skills

Credit analysis

Underwriting concepts

Financial modeling

Attention to detail

Analytical mindset

Education

Bachelor’s degree or equivalent experience

Tools

MS Excel

Job description

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.

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

• Enjoy Paid Time Off (PTO) to recharge

• Salary paid in USD
• Work comfortably 100% from home