Financial Underwriter

Summit; Washington (District of Columbia); On-site; USD 120,000 - 170,000; Full time

Job summary

Summit Consulting, LLC seeks an experienced Financial Underwriter in Washington, DC, to support federal energy and infrastructure finance work. You will evaluate asset-level performance, credit risk, and underwriting narratives for complex projects with multiple funding sources.

The role requires 5–10 years of experience in financial underwriting, credit analysis, or related fields, and a proven ability to communicate findings clearly in written deliverables. A bachelor's degree is required.

Qualifications

• Bachelor’s degree in finance, accounting, economics, business, public policy, energy policy, engineering, or a related field.
• Five to ten years of experience in financial underwriting, credit analysis, or project/infrastructure/commercial finance.
• Ability to independently evaluate complex financial statements, cash flow, and credit risk.
• Experience with capital budgets, financing assumptions, and sources and uses of funds.
• Strong writing skills to produce underwriting narratives and risk assessments.
• Proficiency with Microsoft Excel, Word, and PowerPoint.

Responsibilities

• Evaluate asset-level financial performance and repayment capacity.
• Prepare underwriting packages, financial summaries, and risk assessments.
• Communicate findings clearly to stakeholders and clients.
• Support multiple underwriting assignments simultaneously.

Skills

Financial underwriting

Credit analysis

Project finance

Analytical writing

Excel

Education

Bachelor's degree in finance/related field

Tools

Microsoft Excel

Microsoft Word

PowerPoint

Job description

Washington, DC-Based | Energy and Infrastructure Finance | 5–10 Years of Experience

Summit Consulting, LLC provides quantitative and qualitative solutions to help federal agencies and mission-driven organizations address complex challenges in financial management, risk management, program delivery, and analysis. Our practitioners combine technical rigor with practical implementation experience, working collaboratively with clients to support sound decisions, strengthen program operations, and improve outcomes for the communities they serve.

Summit is seeking an experienced Financial Underwriter with 5 to 10 years of experience to support federal energy and infrastructure finance work. This position is based in Washington, DC. The selected applicant will contribute to financing, underwriting, and analytical activities involving energy, utility, and infrastructure assets that support economic opportunity, system reliability, affordability, resiliency, and long-term community benefit.

The work requires the ability to evaluate asset-level financial performance, borrower or sponsor capacity, cost reasonableness, operating assumptions, repayment capacity, and the strength of supporting documentation. Direct experience with project finance and/or municipal finance transactions is preferred.

The strongest candidates will bring advanced financial judgment, mature underwriting discipline, strong technical writing skills, and the ability to evaluate complex asset and borrower information in a clear, well-documented, and defensible manner. Candidates should be comfortable assessing both quantitative financial indicators and qualitative considerations, including sponsor capacity, implementation risk, documentation quality, operating risk, reasonableness of assumptions, and alignment with stated financing objectives.

Requirements for this position include:

• A bachelor's degree in finance, accounting, economics, business, public policy, energy policy, engineering, or a similar program.
• Five to ten years of experience in financial underwriting, credit analysis, commercial lending, project finance, infrastructure finance, public finance, energy finance, federal loan or grant program support, or a similar analytical role.
• Demonstrated ability to independently evaluate complex financial statements, cash flow, credit risk, repayment capacity, financial ratios, asset-level budgets, and supporting documentation.
• Experience assessing capital budgets, financing assumptions, operating projections, sources and uses of funds, borrower or sponsor financial capacity, and the reasonableness of underlying assumptions.
• Working knowledge of energy, utility, or infrastructure asset considerations, such as capital cost drivers, operating costs, revenue assumptions, useful life, resiliency, maintenance needs, system reliability, and long-term financial sustainability.
• Ability to identify, document, and communicate material financial, credit, operational, implementation, and documentation risks in a clear and defensible manner.
• Advanced analytical and technical writing skills, including grammar, editing, and proofreading skills, to complete underwriting narratives, financial summaries, risk assessments, issue papers, and recommendation materials with limited revision.
• Proficiency with Microsoft Excel, Word, and PowerPoint, including the ability to work with financial schedules, summarize quantitative results, and prepare polished written deliverables.
• Strong organizational skills, attention to detail, and ability to manage multiple complex application reviews or underwriting assignments at the same time.
• Ability to work collaboratively with colleagues and clients and communicate effectively in technical and non-technical settings.
• Ability to exercise sound professional judgment, elevate issues appropriately, and support consistent underwriting practices across a portfolio of application reviews.

Preferred qualifications include:

• Experience supporting federal lending, grant, credit, loan guarantee, or financial assistance programs, including application review, underwriting, credit assessment, or portfolio support.
• Familiarity with energy, utility, infrastructure, clean energy, electric cooperative, public power, Tribal, community-serving, or rural asset finance.
• Experience reviewing renewable generation, battery energy storage, electric distribution or transmission, grid modernization, utility system, or other infrastructure assets involving multiple funding sources, complex financing structures, or significant public-sector documentation requirements.
• Experience preparing or reviewing underwriting packages, credit memoranda, financial risk assessments, loan committee materials, recommendation memoranda, or client-facing decision-support materials.
• Ability to assess both quantitative financial metrics and qualitative asset risks, including applicant capacity, implementation risk, documentation quality, asset readiness, operating assumptions, reasonableness of costs, and long-term sustainability.
• Experience mentoring junior analysts or underwriters, reviewing analytical work products, or helping teams apply consistent underwriting standards.
• Familiarity with infrastructure or project finance concepts, including sources and uses of funds, capital stacks, debt service coverage, repayment capacity, operating projections, reserve assumptions, useful life considerations, and sensitivity analysis.
• Ability to translate complex financial, technical, and asset-level information into concise, client-ready narratives that support sound financing and program decisions.

If we select you to move forward, you can expect to interview with Summit's underwriting and project leadership staff to discuss your experience as it relates to our business needs, including your financial analysis experience, writing skills, underwriting judgment, ability to evaluate complex asset and borrower risks, and ability to support energy and infrastructure finance work.

If selected, you must be willing to submit to a background check and complete any client-required suitability or onboarding process. Summit strives to ensure that our career website and application process are accessible to all, including individuals with disabilities. If you are a qualified individual with a disability or a disabled veteran and need a reasonable accommodation, please contact Summit Human Resources.

Summit is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, protected veteran status, disability status, or any other legally protected status. EEO is the law. Information on protections under Federal Law from discrimination is available from the U.S. Department of Labor.