Senior Underwriter

One Numerica; San Diego (CA); On-site; USD 110,000 - 170,000; Full time

Job summary

One Numerica in San Diego, CA, seeks a Senior Underwriter for a full-time, on-site role. You will assess risk by reviewing financial statements, credit data, and business documents to make informed underwriting decisions aligned with internal policies and regulatory requirements.

You will collaborate with Accounting, Payroll, HR, and EOR teams to create guidelines, support client onboarding, and mentor junior staff while contributing to scalable underwriting practices as the company grows.

Qualifications

• Experience evaluating financial statements, credit data, and risk indicators.
• Knowledge of underwriting principles, risk management frameworks, and compliance.
• Proficiency with spreadsheets and underwriting software.
• Experience mentoring junior staff and cross-functional collaboration.

Responsibilities

• Evaluate, structure, and approve risk-based decisions.
• Review financial statements, credit reports, and business documents.
• Develop underwriting guidelines and terms.
• Mentor junior team members and drive process improvements.
• Communicate outcomes to stakeholders and clients.

Skills

Analytical skills

Financial assessment

Communication skills

Cross-functional collaboration

Mentoring/leadership

Attention to detail

Education

Bachelor’s degree in Finance/Accounting/Business/Economics

Advanced underwriting/risk certifications

Tools

Spreadsheets

Financial modeling tools

Underwriting/risk software

Job description

Company Description

One Numerica helps businesses scale efficiently by simplifying their back-office operations, including Accounting, Payroll, HR, and Employer of Record (EOR) services. Headquartered in San Diego, the company delivers global standards through highly skilled Filipino professionals, supporting small and mid-sized businesses as they navigate growth, compliance, and operational complexity. One Numerica serves U.S. startups entering new markets and established companies seeking greater efficiency, acting as a single partner for a wide range of support services. The team is trusted by U.S. businesses expanding globally and ensures seamless compliance with both Philippine and U.S. regulations. Proudly Filipino and proudly global, One Numerica focuses on accurate financials, compliant hiring, and dependable people management.

Role Description

The Senior Underwriter is a full-time, on-site role based in San Diego, CA, responsible for evaluating, structuring, and approving risk-based decisions for One Numerica’s clients. This role involves reviewing financial statements, credit reports, and business documentation to assess risk profiles and ensure alignment with internal policies and regulatory requirements. The Senior Underwriter will collaborate with Accounting, Payroll, HR, and EOR teams to develop underwriting guidelines, recommend appropriate terms, and support client onboarding and ongoing risk management. Daily activities include analyzing data, preparing underwriting recommendations, documenting decisions, and communicating outcomes clearly to internal stakeholders and clients. The role also includes mentoring junior team members, contributing to process improvements, and helping shape underwriting best practices as the company scales.

Qualifications

• Strong analytical and financial assessment skills, including experience reviewing financial statements, credit data, and risk indicators.
• Knowledge of underwriting principles, risk management frameworks, and compliance requirements relevant to U.S. businesses.
• Proficiency with spreadsheets, financial modeling tools, and underwriting or risk management software.
• Excellent written and verbal communication skills, with the ability to present complex information clearly to non-technical stakeholders.
• Demonstrated ability to work collaboratively with cross-functional teams (e.g., Accounting, HR, Payroll, EOR) in a fast-paced environment.
• Experience mentoring or leading junior underwriting or analyst staff, with a focus on knowledge sharing and quality control.
• Bachelor’s degree in Finance, Accounting, Business, Economics, or a related field; advanced certifications in underwriting or risk management are a plus.
• Prior experience as an Underwriter or Senior Underwriter in financial services, insurance, lending, or related industries is strongly preferred.
• High attention to detail, sound judgment, and a commitment to ethical, non-discriminatory decision-making.