Commercial Underwriter

Credit Key’s mission is to deliver a superior business payment experience at B2B point-of-purchase. Our core product allows B2B merchants to offer buy-now-pay-later financing at ecommerce checkout.

Credit Key is seeking a Commercial Underwriter to join our rapidly expanding team. The Underwriter serves on the front-lines of mitigating credit and operational risk and is critical to Credit Key’s successful risk management. The Underwriter processes incoming credit requests from new applicants and current customers while identifying and mitigating potential risks. They will also work closely with Customer Support to ensure superior and timely customer service and engage with the Commercial Underwriting Manager on larger limit requests. This is the role for you if you have strong attention to detail, work ethic, and drive, can recommend solutions to various problems, and have excellent communication skills -including follow-up.

What you'll do

• Monitor, track, and resolve issue tickets with internal partners and small business customers while maintaining service level agreements
• Work cross functionally with our Customer Support team to resolve customer issues and requests in a efficient and timely manner
• Execute financial data entry and underwriting for potential limit increase
• Review, process, and perform due diligence for client underwriting, fraud alert, and line increases

Requirements

What we look for

• Minimum 2 years of experience at a bank, credit union, non bank lender, fintech lender, or other financial services institution working in risk operations, underwriting, or fraud departments; ideally within credit underwriting / decisioning roles
• Experience analyzing credit bureau, deposit, and verifications data sources
• Proven ability to analyze commercial and small business business credit bureaus, business operating account bank statements and financial statement analysis is a plus.
• Proven ability to develop and maintain relationships with internal stakeholders such as customer service and product.
• Diligence and keen attention to detail in following processes and policies
• Prior experience with customer service and meeting service level agreements in a timely manner
• Professional, even-keeled demeanor when interacting with clients and internal stakeholders
• Flexibility to evolve in a fast paced changing environment.
• Bachelor’s degree is a plus+
• Start up experience a plus+
• Small business/ commercial lending experience a plus+

Benefits

• Competitive compensation package
• Great healthcare benefits
• PTO + 10 paid holidays
• 401k match
• Work from home stipend
• Supportive and highly collaborative work environment