Credit Underwriter - Small Business Financing Firm

We need candidate with the US market exposure

Shift timings : 8 PM to 5 AM in winters/ 7 PM to 4 AM in summers

Cab facility : Available, if home is on the cab's route else travel allowances are provided.

Responsibilities and Duties :

- Responsible for full cycle underwriting of assigned small business financing

- Analysis of bank statements, credit card statements and business P&L / Tax return

- Determine the ability of the client to repay financing based on analysis of the client's cash flow statements, tax returns, and other financial information

- Perform detailed financial analysis on the small business, including trend and ratio analysis, and interpret the financial information to determine credit quality and cash flow adequacy

- Perform credit analysis and financial statement analysis on co-owners, guarantors, and individuals to determine assets coverage for requested loan amounts

- Perform other due diligence as needed to determine the creditworthiness of a small business owner

Qualifications and Skills :

- Bachelor / Master degree in finance, accounting, or similar

- Formal credit training preferred

- Experience working in a Merchant Cash Advance / financial institution underwriting small businesses; commercial credit analysis or commercial underwriting role working with small businesses

- Strong analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry, and competitive analysis and projections

- Proficient in various spreadsheet and word processing applications (Excel and Word are preferred) including the use of graphs/charts, and financial analysis software

- Basic knowledge of credit principles, lending operations, loan research, and general credit policies