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Credit Underwriter - Job ID: 426 job in Arlington at Kapitus

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Credit Underwriter - Job ID: 426 at Kapitus

Credit Underwriter - Job ID: 426

Kapitus Arlington, VA (On Site) Full-Time
Company Mission:

Kapitus is one of the most reliable and respected names in small business financing. As both a direct lender and a marketplace built with a trusted network of lending partners, we can provide small businesses the financing they need, when and how it is needed. We have spent the past 16 years building a culture that makes us excited to come to work in the morning. Our company is fast paced, teammates need to be self-directed and have an internal motivation to do the right thing, even when the right thing takes a lot of hard work. We show our teammates our appreciation by offering great benefits, competitive pay, and solid opportunity for growth.

Position Summary:

The Credit Underwriter II will underwrite all new merchant applications to ensure compliance with underwriting guidelines and risk standards.

Credit Underwriter responsibilities are:

  • Responsible for full cycle underwriting of assigned small business financing
  • Determine the ability of the merchant to repay financing based on analysis of the client’s cash flow statements, credit reports, and other financial information
  • Perform detailed financial analysis on the small business and interpret the financial information to determine credit quality and cash flow adequacy
  • Perform comprehensive background checks on co-owners, guarantors, and individuals to combat against potential fraud
  • Provide recommendations for approval, or declines of merchant applications
  • Communicate decisions effectively in both verbal and written communication
  • Perform other due diligence as needed to determine the creditworthiness of a small business owner
Qualificationsand Experience:
  • Bachelor's degree in finance, accounting, business, or comparable area of study
  • 4+ years’ experience working in a financial institution underwriting small/medium size businesses
  • Strong analytical skills including the ability to read and assess individual and company financial statements, cash flow, credit reports, and other financial documentation.
  • Proficient in various spreadsheet, word processing, and CRM applications
  • Solid knowledge of credit principles, lending operations, loan research, and general credit policies
  • Team player with the ability to take the initiative
  • Detail oriented and the ability to work well under pressure
  • Strong analytical, interpersonal, and presentation skills
Kapitus Benefits:
  • Competitive Base Salary ((Dependent on experience level and geographic location) $55 – 85K
  • Incentive eligibility based on KPI’s and quality results
  • Medical, Dental, and Vision Coverage
  • 401K with company match
  • Company provided Life Insurance
  • PTO
  • Tuition Reimbursement Plan

Consideration will be given to qualified remote candidates residing in states where Kapitus and/or one of its subsidiaries has an established physical presence.

Recommended Skills

  • Accounting
  • Analytical
  • Attention To Detail
  • Cash Flow Statements
  • Communication
  • Credit Reports
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