Senior Underwriter: Complex SMB Financing

Expansion Capital Group; Sioux Falls (SD); On-site; USD 41,328 - 44,083; Full time

Job summary

Expansion Capital Group is seeking a Senior Underwriter to join our in-house underwriting team. In this role you will independently evaluate credit requests, analyze financial information, and make sound credit decisions for complex lending opportunities.

The position is based in an in-office setting in Sioux Falls, SD or Sandy, UT with a Monday–Friday schedule. You will partner with internal teams to ensure timely funding decisions aligned with ECG's lending philosophy, while balancing risk and

Qualifications

• Experience in commercial or small business underwriting.
• Strong financial analysis and credit decision-making skills.
• Familiarity with manual underwriting and exception-based lending.
• Experience in banking, lending, or financial services.
• Ability to collaborate across departments to support funding decisions.

Responsibilities

• Review and evaluate complex small business financing requests requiring manual underwriting.
• Analyze financial information, credit profiles, supporting documentation, and risk factors.
• Make independent credit decisions using established underwriting guidelines.
• Evaluate exception-based lending scenarios while maintaining risk tolerances.
• Review documentation for completeness, accuracy, and compliance prior to funding.
• Generate contract requests and validate funding documentation.
• Partner with Sales, Underwriting Processing, Merchant Support, and other teams.
• Communicate professionally with merchants, referral partners, and lenders.
• Resolve complex underwriting questions and funding scenarios.
• Identify opportunities to improve underwriting quality and operational efficiency.

Skills

Analytical

Credit decision-making

Manual underwriting

Risk assessment

Communication

Job description

Expansion Capital Group is seeking a Senior Underwriter to join our in-house underwriting team. In this role you will independently evaluate credit requests, analyze financial information, and make sound credit decisions for complex lending opportunities.

The position is based in an in-office setting in Sioux Falls, SD or Sandy, UT with a Monday–Friday schedule. You will partner with internal teams to ensure timely funding decisions aligned with ECG's lending philosophy, while balancing risk and