Underwriting Analyst

Trio Capital; Mount Laurel Township, Northern (NJ, KY); On-site; USD 55,000 - 75,000; Full time

Benefits offered by this job

Medical plan

Dental plan

Vision plan

HSA/FSA options

Life insurance

Disability insurance

PTO (paid time off)

401K with employer match

Job summary

Trio is seeking an Underwriting Analyst to assess and review small to mid-sized business finance applications, determining credit worthiness and appropriate offer size and term. The role requires quick decisioning in a fast-paced environment and independent assessment using credit reports, tax returns, and statements.

The ideal candidate will be self-motivated, team-oriented, with strong math and analytical skills and a solid understanding of financial statements.

Qualifications

• 1–2 years in financial services, credit, or underwriting.
• Experience in commercial underwriting for small businesses is a plus.
• Associates or Bachelor's degree or equivalent education/experience preferred.

Responsibilities

• Adjudicate credit and approve new finance applications.
• Make timely decisions with limited information.
• Communicate decisions to partners professionally.
• Build relationships and provide exceptional service to partners.
• Collaborate with the sales team to grow existing and new customer relationships.
• Protect channel from fraud and aid in pricing transactions for risk.
• Identify underwriting strategies to differentiate Trio in equipment finance.
• Stay abreast of industry and competitor trends.

Skills

Math skills

Analytical thinking

Multitasking

Detail-oriented

Organizational skills

MS Office

Understanding of financial statements

Interpersonal skills

Education

Associates or Bachelor's degree

Tools

MS Office

Job description

Description

Position Responsibilities:

The Underwriting Analyst inputs and reviews finance applications from small to mid-sized businesses to determine the credit worthiness of the applicant, size and term of the financing offer. The position will operate within our fast-paced high-volume environment and be accountable for quick decisioning on small ticket equipment finance applications.

The candidate will make independent decisions through evaluation of business and personal credit reports, financial and bank statements, tax returns and other credit information. Trio has an internal scoring model built on millions of datapoints to aid in the decision making.

The best candidates will be self-motivated, team-oriented, and eager to be a part of a rapidly growing business.

Key Responsibilities

• Adjudicate credit and approve new finance applications within level of authority.
• Make timely decisions with limited information.
• Professionally communicate decisions to our partners.
• Build relationships and offer exceptional service to our partners to ensure continued flow of business.
• Communicate and work proactively with the sales team to help further penetrate our relationships with existing and new customers.
• Protect Channel from fraud and aid in pricing transactions for the appropriate risk.
• Continuously identify and implement underwriting strategies which make Channel a recognized, differentiated leader in the equipment finance industry.
• Keeps abreast of industry and competitor trends.

Requirements

Skills & Specifications

• Strong math and analytical skills.
• Must be able to multitask and be highly adaptable to change.
• Must be detail oriented, have excellent organizational and time management skills.
• Competitive drive and strong history of accomplishment.
• Good interpersonal relationship skills and motivation for personal growth.
• Required knowledge of computer systems and proficient in Microsoft Office (Excel and Word).
• Must have an understanding of financial statements.

Education & Qualifications:

• 1-2 years in a financial services, credit or underwriting function.
• Experience in a commercial underwriting function working with small businesses is a plus.
• Associates or Bachelor’s degree or equivalent education/experience is preferred.

Company Summary

Trio is a proven equipment finance and working capital partner, dedicated to helping small businesses succeed by making access to finance solutions simple and dependable. As an independent, American-owned and operated organization, Trio is passionate about building lasting relationships and serving as a knowledgeable, trusted partner.

With experienced teams across credit, underwriting, and funding, Trio provides fast, reliable turnaround and a relationship-first approach that positions it as an extension of its partners’ businesses, helping them close more deals, deepen loyalty, and drive long-term growth.

Trio empowers and trains team members at all levels to make quick decisions in service to our relationships and ensure the flexibility and nimbleness required to compete in today’s marketplace. Trio is the perfect workplace for those who are motivated and have a desire to be part of a growing, agile, and diverse organization where you can make a difference every day.

The company offers a flexible work environment and encourages innovation and team member development. Benefits include medical, dental, and vision plans with HSA and FSA options; life insurance and disability plans; along with a generous PTO policy and employer-match company 401K plan.

Trio is a subsidiary of Channel, a leading provider of equipment finance and working capital financing solutions. The company operates five office locations in four states, repeatedly listing among Top Workplaces and ranked among the 500/5000 fastest-growing private companies in the U.S. by Inc. Magazine for more than 10 years consecutively.