FinTech Underwriter — Small Business Lending, Miami

Biz2Credit Inc; Miami, Northern (FL, KY); Hybrid; USD 70,000 - 85,000; Full time

Benefits offered by this job

Competitive salary

Professional development opportunities

Job summary

Biz2Credit Inc. in Miami is seeking an experienced Underwriter to join our fintech lending team.

You will perform comprehensive financial analysis on small business loan applications, including trend and ratio analysis, to assess credit quality and cash flow for informed decisions. Responsibilities include reviewing applications, analyzing statements and tax returns, completing full cycle underwriting, conducting due diligence, and collaborating with Relationship Managers to gather required

Qualifications

• Bachelor's degree preferred in finance, accounting, or related field.
• Underwriting or credit analysis experience preferred but not mandatory for entry-level.
• Strong analytical skills to interpret financial data.
• Familiarity with financial statements, tax returns, and credit reports.
• Knowledge of underwriting principles and lending regulations.
• Attention to detail and ability to work in a fast-paced environment.
• Excellent communication skills.
• Proficient in MS Office and other relevant software.

Responsibilities

• Review loan applications and supporting documentation to determine eligibility and creditworthiness of borrowers.
• Analyze financial statements, credit reports, tax returns, and other relevant data to assess risk and make informed lending decisions.
• Conduct comprehensive due diligence and verify accuracy of information provided by applicants.
• Responsible for full cycle underwriting of assigned small business financing.
• Collaborate with the Underwriting team to identify potential red flags and mitigate risk.
• Stay updated with industry trends, regulations, and underwriting guidelines to ensure compliance.
• Communicate effectively with internal stakeholders, including Relationship Managers, to gather necessary information and clarify requirements.
• Maintain accurate and detailed documentation of underwriting decisions and findings.

Skills

Analytical skills

Attention to detail

Communication skills

MS Office

Education

Bachelor's degree in Finance/Accounting or related field

Tools

MS Office

Job description

Biz2Credit Inc. in Miami is seeking an experienced Underwriter to join our fintech lending team.

You will perform comprehensive financial analysis on small business loan applications, including trend and ratio analysis, to assess credit quality and cash flow for informed decisions. Responsibilities include reviewing applications, analyzing statements and tax returns, completing full cycle underwriting, conducting due diligence, and collaborating with Relationship Managers to gather required