Underwriting Analyst

World Business Lenders, LLC.; United States; Remote; USD 65,000 - 90,000; Full time

Benefits offered by this job

Paid Time Off

Job summary

World Business Lenders (WBL) is seeking an underwriting professional to assess credit applications for small and mid-sized businesses nationwide. You will review financial statements, tax returns, and cash flow, and build models in Excel to support informed credit decisions.

Join a fully remote team with strong English communication requirements. You will ensure underwriting compliance with internal guidelines and collaborate across departments to optimize loan performance.

Qualifications

• Bachelor’s degree or equivalent experience demonstrating relevant proficiency.
• 2+ years in underwriting, credit analysis, lending, or banking preferred.
• Experience with financial analysis or structured credit is a plus.

Responsibilities

• Get credit analysis ready to support informed credit recommendations.
• Review financial statements, tax returns, and cash flow statements for thorough analyses.
• Structure and underwrite complex credit applications within guidelines.
• Create financial models to analyze loan performance and portfolio health.
• Ensure underwriting follows WBL’s guidelines, policies, and procedures.
• Prepare underwriting forms and loan approval docs with complete information.

Skills

MS Excel

Credit underwriting

Financial analysis

Financial modeling

Banking knowledge

Communication

Education

Bachelor’s degree or equivalent

Tools

Excel

Job description

About World Business Lenders About Us

World Business Lenders (WBL) provides short-term, real estate–collateralized commercial loans to small and medium-sized businesses across the United States that do not have access to traditional financing. The company also services its own loan portfolio and those of third parties, with a focus on managing non-performing loan pools and REO.

• WBL is a U.S.-based company with a fully remote workforce.
• Working hours are 9:00am–6:00pm Eastern Time, Monday through Friday.
• The role requires strong spoken and written English.
  • All resumes must be submitted in English.

Overview

• The role requires near-zero errors in credit sheets and CRM data entry, basic product knowledge, effective inter-departmental communication, and a solid understanding of underwriting concepts and internal guidelines.

Job Duties and Responsibilities

• Get credit analysis ready to help support well-informed credit recommendations.
• Review business bank statements, financial statements, tax returns, and cash flow statements to perform thorough investment analyses.
• Work on structuring and underwriting complex credit applications, balancing profitability goals with risk guidelines.
• Create financial models that help analyze both individual loan performance and overall portfolio health.
• Make sure all loan applications are underwritten following WBL’s underwriting guidelines, policies, and procedures.
• Prepare underwriting forms (using Excel) and Loan Approval forms for review, ensuring all information is complete and accurate.

Education:

• Bachelor’s degree or equivalent experience demonstrating relevant proficiency.

Experience:

• At least 2 years of experience in underwriting, credit analysis, lending, or banking
• Experience with financial analysis or structured credit work is a big plus.

Preferred Background / Industry Experience

• Lending Industry
• Banking Sector

Specific Technical Skills Needed

• Intermediate MS Excel proficiency
• Ability to analyze:
• Financial statements (P&L, balance sheet, cash flow)
• Bank statements
• Tax returns
• Basic financial modeling capability
• Understanding of credit underwriting principles

Specific Soft Skills Needed

• Strong analytical mindset
• High attention to detail
• Stress tolerance
• Self-learner / ability to work independently

• Enjoy Paid Time Off (PTO) to recharge

• Salary paid in USD
• Work comfortably 100% from home