Senior Underwriter & Credit Risk Leader

Liberis Ltd; California (MO); On-site; USD 100,000 - 160,000; Full time

Job summary

Liberis Ltd in the US seeks a Senior Underwriter to assess high‑complexity funding applications and provide leadership within the US underwriting team. You will independently judge risk, document decisions clearly, and coach colleagues while collaborating with stakeholders to balance customer experience with risk controls.

Reporting to the Senior Underwriting Manager in Atlanta, you will help develop underwriting policies and portfolio insights across geographies to enable responsible finance

Qualifications

• 5+ years of experience in underwriting, ideally in small-business finance or a similar lending environment.
• A strong record of making independent credit decisions on complex applications and defending those decisions with clear, evidence-based reasoning
• Strong knowledge of cash-flow analysis, affordability, financial statements, credit bureau information, fraud indicators, and common small-business debt structures
• Demonstrated experience coaching or mentoring colleagues and giving constructive feedback that improves judgment and performance
• The ability to provide thought leadership, challenge existing approaches constructively, and influence decisions across teams
• Excellent written and verbal communication skills, including the ability to explain complex credit decisions to varied audiences
• Sharp attention to detail and the ability to manage competing priorities, high application volumes, and service-level expectations
• Strong Excel skills; analytical training and exposure to SQL are a plus

Responsibilities

• Independently assess new and repeat funding applications, using bank statements, credit bureau data, financial statements, and other relevant information to make well-supported decisions
• Exercise delegated approval authority with sound judgment, clearly documenting decision rationale and escalating applications when appropriate
• Serve as a referral and escalation point for underwriters and business stakeholders on complex, unusual, or higher-risk applications
• Coach and mentor underwriters through case discussions, side-by-side reviews, constructive feedback, and regular decision calibration
• Support onboarding and ongoing development by sharing practical underwriting knowledge, strengthening consistency, and modeling high standards
• Partner with customers and internal teams to gather information, resolve questions, and communicate underwriting decisions clearly and professionally
• Provide underwriting thought leadership by identifying portfolio trends, emerging risks, and opportunities to strengthen policies, controls, and decision quality
• Lead or support process improvements and ad-hoc analysis that improve efficiency while maintaining an appropriate balance between customer experience and risk

Skills

Underwriting

Credit risk analysis

Mentoring

Communication

Cash-flow analysis

Tools

Excel

SQL

Job description

Liberis Ltd in the US seeks a Senior Underwriter to assess high‑complexity funding applications and provide leadership within the US underwriting team. You will independently judge risk, document decisions clearly, and coach colleagues while collaborating with stakeholders to balance customer experience with risk controls.

Reporting to the Senior Underwriting Manager in Atlanta, you will help develop underwriting policies and portfolio insights across geographies to enable responsible finance