Sr. Underwriter II

Lendistry; Los Angeles (CA); Hybrid; USD 100,000 - 150,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

Paid Time Off

Birthday Day Off

Holidays

401(k) Match

FSA/HSA

Life Insurance

Disability Insurance

Pet Insurance

EAP

Professional Development

Office Snacks

Job summary

Lendistry is the nation’s largest minority-led, tech-savvy lender for small businesses and commercial real estate. The Sr. Underwriter II works under the Underwriting Manager to review credit applications, analyze information, structure requests, and obtain loan approval, while coaching other underwriters.

Some travel may be required. We’re a certified CDFI and CDE, committed to economic opportunities and growth in communities we serve.

Qualifications

• Minimum 8+ years of relevant experience in SBA, Commercial C&I and real estate financing.
• Expert knowledge of SBA Standard Operating Procedures.
• Ability to manage and underwrite complex transactions with limited guidance.
• Excellent verbal and written communication skills.
• Advanced computer proficiency.
• Ability to travel, work flexible schedules, and cover different locations, if requested.

Responsibilities

• Review initial loan application packages from Sales to determine eligibility and additional required documentation.
• Structure loan package to fit within minimum requirements of products available
• Have knowledge of Business and Personal Tax Returns, Interim Financials, Bank Statements etc.
• Decision loan files (decline, suspend, or submit for approval).
• Run all background checks for business and merchants.
• Review 3rd party reports (Credit report, Business Experian, CAIVRS etc.).
• Sets-up calls and discusses file with client (initial interview).
• Review completed file for underwriting.
• Ensure all information is received prior to underwriting.
• Underwrite the transaction and prepare package for third party approval.
• Perform other duties as assigned to support the efficient and effective operation of the department and that help to make Lendistry the best place to work!

Skills

SBA knowledge

Commercial C&I

Real estate financing

Financial analysis

Communication skills

Travel flexibility

Bilingual English-Spanish

Education

Bachelor's degree

Finance or Accounting focus

Business Administration focus

Tools

Microsoft Word

Excel

Job description

Lendistry is an Equal Opportunity/Affirmative Action Employer. We consider applicants without regard to race, color, religion, age, national origin, ancestry, ethnicity, gender, gender identity, gender expression, sexual orientation, marital status, veteran status, disability, genetic information, or membership in any other group protected by federal, state, or local law. If you need assistance or accommodation due to a disability, you may contact us at [e-mail]

A Day in the Life

The Sr. Underwriter II Under the direction of the Underwriting Manager, the Sr. Underwriter II will review credit applications, analyze relevant credit information, and structure requests to obtain final loan approval. Credit Executive II is also responsible for preparing memorandums and credit analysis through the loan approval process with timely and accurate due diligence. The credit executive II is also responsible for coaching and mentoring other SBA Credit Underwriters. Some travel may be required.

Lendistry: Who We Are

We’re proud to be the nation’s largest minority-led, tech-savvy lender for small businesses and commercial real estate. As a certified Community Development Financial Institution (CDFI) and Community Development Entity (CDE), our mission is all about creating economic opportunities and fueling growth for small business owners and their communities. Join us as we pave the way with innovative financing and financial education!

What You’ll Be Doing

• Review initial loan application packages from Sales to determine eligibility and additional required documentation.
• Structure loan package to fit within minimum requirements of products available
• Have knowledge of Business and Personal Tax Returns, Interim Financials, Bank Statements etc.
• Decision loan files (decline, suspend, or submit for approval).
• Run all background checks for business and merchants.
• Review 3rd party reports (Credit report, Business Experian, CAIVRS etc.).
• Sets-up calls and discusses file with client (initial interview).
• Review completed file for underwriting.
• Ensure all information is received prior to underwriting.
• Underwrite the transaction and prepare package for third party approval.
• Perform other duties as assigned to support the efficient and effective operation of the department and that help to make Lendistry the best place to work!

Your Areas of Knowledge and Expertise

• Minimum 8+ years of relevant experience and in-depth understanding of SBA, Commercial C&I and real estate financing, and closing, procedures.
• Expert knowledge of SBA Standard Operating Procedures.
• Minimum bachelor’s degree. Finance, accounting, or Business Administration focus is preferred.
• Ability to manage and underwrite complex transactions with limited guidance
• Strong knowledge of financial services.
• Outstanding communication and relationship management skills.
• Excellent verbal and written communication skills.
• Advanced computer proficiency.
• Ability to travel, work flexible schedules, and cover different locations, if requested.
• Bilingual English-Spanish preferred.
• Attain customer satisfaction.
• Ability to structure and analyze complex commercial credit transactions.
• Excellent verbal and written communication skills.
• Sophisticated word processing and computer database skills, especially in Microsoft Word and Excel.
• Thorough knowledge of accounting principles, financial statement analysis, and banking operations and regulations.
• Good interpersonal skills with the ability to work effectively with individuals and groups at all organizational levels, ability to work independently and as part of a team.
• Strong analytical ability with active listening skills.
• Willingness to adapt to changing business needs and deadlines, including extended work hours.
• Exhibit a professional, business-like appearance and demeanor.

Why You’ll Love Working Here

• Comprehensive Medical, Dental, and Vision Insurance
• Generous Paid Time Off
• Birthday Day Off
• 12 Paid Company Holidays
• 401(k) Match
• FSA and HSA
• Paid Life Insurance
• Paid Disability Insurance
• Pet Insurance
• Employee Assistance Program (EAP)
• Professional Development Courses
• In Office Provided Snacks and Drinks
• Gym Facilities (LA & Tustin/CEC Offices)
• In Office Engagement Activities

Compensation Range

The US base salary range for this full-time position is $100,000-$150,000 annually. Our salary ranges are determined by role, level, and location. The range displayed on each job posting reflects the minimum and maximum base salary for new hires for the position across all US locations. Within the range, individual pay is determined by multiple factors like job-related skills, experience, and state of residence. Your recruiter can share more about the specific salary range during the interview process. Please note that the compensation details listed in US role postings reflect the base salary only, and do not include any variable compensation elements.

Physical Requirements

This is a stationary position that requires frequent sitting (approximately 95%), repetitive wrist motions, grasping, speaking, listening, close vision, and the ability to adjust focus. It also may require occasional standing, lifting, carrying of 20lbs or less, walking, kneeling, bending/stooping, twisting, pulling/pushing, and reaching above the shoulder. Employees in this position must be physically able to efficiently perform the essential functions of the position.

ACKNOWLEDGEMENT

B.S.D. Capital, Inc. dba Lendistry is an equal employment opportunity employer committed to providing its employees, applicants and other covered persons with equal opportunities without regard to race, color, age (40 or older), religious creed (including religious belief, practice or dress and grooming practices), national origin, ancestry, physical disability, mental disability, medical condition, genetic information, marital status, sex, gender (including pregnancy, childbirth or medical condition related to pregnancy or childbirth), gender expression, gender identity, sexual orientation, military or veteran status (including past, current or prospective service), or any other characteristic protected under applicable federal, state or local law. B.S.D. Capital, Inc. dba Lendistry is a minority-led fintech lender and community development financial institution (CDFI).

At Lendistry, we’re more than just a fintech company—we’re a mission-driven team changing the game for small business owners and the communities they serve. As a national employer and proud recipient of 2025's Best Places to Work in Fintech, we believe in creating opportunity, driving equity, and delivering impact where it matters most. We’re looking for strategic thinkers and passionate doers—people who show up every day ready to make a real difference. If you’re driven by purpose and thrive in a culture of innovation and service, Lendistry might just be the place for you.