Senior Underwriter — Remote, Flexible PTO

Cardiff; United States; Remote; USD 72,000 - 88,000; Full time

Benefits offered by this job

Medical, dental, and vision coverage

401(k) plan

Flexible PTO and observed holidays

Remote-first work environment with at‑

Job summary

Cardiff, Inc. is seeking a Senior Underwriter to evaluate working capital loan and merchant cash advance applications, make sound funding decisions, and help grow the business responsibly from a remote setting across the United States.

You will balance speed with disciplined risk assessment, explain decisions clearly, and collaborate with Sales and Operations to move qualified applications through the process.

Qualifications

• Three+ years of underwriting experience with working capital loan or merchant cash advance products.
• Bachelor's degree in finance, business administration, or related field.
• Strong financial analysis, risk assessment, and decision-making skills.
• Experience reviewing financial statements, bank statements, and credit reports.
• Clear written and verbal communication, including explaining complex credit decisions to nontechnical partners.
• Proficiency with financial analysis tools and underwriting systems.

Responsibilities

• Manage a high-volume underwriting pipeline with accuracy and timely decisions.
• Analyze business financials, bank statements, credit reports, and other docs to assess creditworthiness and repayment risk.
• Approve, decline, or structure funding requests per underwriting guidelines.
• Identify risks and missing information; document rationale for each decision.
• Collaborate with Sales and Operations to obtain documentation and smooth the applicant experience.
• Provide underwriting guidance and independent credit judgment to internal partners.
• Stay current on market conditions and regulatory developments affecting lending.

Skills

Underwriting

Financial analysis

Risk assessment

Decision making

Communication

Remote work

Education

Bachelor's degree in finance

Tools

Underwriting systems

Financial analysis tools

Job description

Cardiff, Inc. is seeking a Senior Underwriter to evaluate working capital loan and merchant cash advance applications, make sound funding decisions, and help grow the business responsibly from a remote setting across the United States.

You will balance speed with disciplined risk assessment, explain decisions clearly, and collaborate with Sales and Operations to move qualified applications through the process.