Commercial Credit Underwriter (Contract, Remote)

Patronus AI; United States; Remote; USD 110,000 - 165,000; Full time

Job summary

Patronus AI is seeking commercial credit analysts and underwriters to work on C&I, CRE or SBA loans. The role focuses on understanding and documenting the steps, documents, decision points, and where things can go wrong.

You will review financial spreads, credit memos, covenant calculations, risk rating worksheets, borrower statements and tax returns, and flag unrealistic elements. The work is independent, asynchronous, and entails meeting deadlines while refining scoring rubrics.

Responsibilities

• Explain how the work is done in your role: the steps, the documents, who decides what, and where things go wrong.
• Review realistic task packets, such as financial spreads, credit memos, covenant calculations, risk rating worksheets, borrower financial statements and tax returns, and flag anything a practitioner would find unrealistic.
• Write scoring rubrics precise enough that two independent reviewers reach the same verdict.
• Create new, original tasks from fictional scenarios, solve them yourself and document your reasoning.
• Work independently and asynchronously, meet agreed deadlines and work in reviewer feedback.

Job description

Pay: $80–$120/hr

Commitment: Flexible, typically 10–20 hours per week

Patronus AI is a frontier lab building simulation research and infrastructure to accelerate progress toward human-aligned AGI. We built some of the earliest research in AI evaluation, including FinanceBench, Lynx, SimpleSafetyTests, CopyrightCatcher and Humanity's Last Exam. Our team comes from Meta AI, Amazon AGI and Google. Our customers include foundation model labs and Fortune 500 companies, and we are backed by Lightspeed Venture Partners, Notable Capital and others.

We're looking for commercial credit analysts and underwriters who do this work today. In your role you spread borrower and guarantor financials, write credit memos, size covenants and assign risk ratings for C&I, CRE or SBA loans. You'll help us show frontier AI models how that work is really done, and where they get it wrong. You don't need an AI background.

What you'll do

• Explain how the work is done in your role: the steps, the documents, who decides what, and where things go wrong.
• Review realistic task packets, such as financial spreads, credit memos, covenant calculations, risk rating worksheets, borrower financial statements and tax returns, and flag anything a practitioner would find unrealistic.
• Write scoring rubrics precise enough that two independent reviewers reach the same verdict.
• Create new, original tasks from fictional scenarios, solve them yourself and document your reasoning.
• Work independently and asynchronously, meet agreed deadlines and work in reviewer feedback.