Lead Risk Analyst - Commercial Risk Analyst Underwriting

As a Counterparty Risk Underwriter at our rapidly growing company, you will be responsible for the end-to-end underwriting of small business loans. Your role will involve conducting comprehensive financial analysis, risk assessment, credit approval, documentation, funding support, and ongoing portfolio monitoring. You will collaborate closely with various teams to make sound lending decisions while balancing growth and risk to protect the portfolio from losses.

• *Responsibilities:**
• Conduct end-to-end underwriting of small business loan applications, including financial analysis, risk assessment, structuring, and approval recommendations
• Analyze borrower financial statements to evaluate repayment capacity and creditworthiness
• Evaluate cash flow sustainability, liquidity, leverage, and debt service coverage to determine risk profile
• Review credit reports, public records, existing debt obligations, liens, and UCC filings
• Structure loan terms, exposure limits, and conditions aligned with company risk appetite
• Prepare clear credit memos for Credit Committee review with approval/decline rationale and risk mitigants
• Make independent underwriting decisions within delegated authority
• *Portfolio & Ongoing Risk Management:**
• Monitor approved loans and counterparties for changes in financial health, operating metrics, or market signals
• Determine reserve levels and recommend adjustments to exposure limits based on evolving risk
• Identify early warning indicators and escalate emerging risks to the Credit Committee
• Build and maintain monitoring frameworks tailored to merchant risk profiles
• Define alerting mechanisms for early detection of deteriorating credit quality
• *Data-Driven Risk Analysis & Collaboration:**
• Utilize SQL, Python, and BI tools to analyze loan performance and underwriting effectiveness
• Work within Snowflake-based data environments to extract insights and develop dashboards
• Collaborate with Data Science to evaluate model performance and inform underwriting policy enhancements
• Partner with Finance and Operations to enhance underwriting efficiency and scalability
• Stay updated on macroeconomic trends and industry developments impacting SMB lending
• *Qualifications:**
• Bachelor's degree in Finance, Accounting, Economics, Data Science, or related field; CFA or CPA a plus
• 5+ years of experience in small business or commercial credit underwriting, counterparty risk, or fintech lending
• Strong foundation in financial statement analysis, cash flow modeling, and credit ratio analysis
• Proficiency in SQL and Python; experience with Snowflake and BI tools
• Excellent written and verbal communication skills
• Experience in fintech, commercial lending, payments, or B2B finance preferred

In the hiring process at our company, AI tools are used to support recruiters and interviewers, allowing them to focus on engaging with candidates. All hiring decisions are made by people. Diversity, Equity, and Inclusion are core values at our company, fostering an environment of authenticity, inclusivity, respect, and humility. We thrive together in a hybrid work model that promotes in-person collaboration while respecting individual needs. Apply today to join our team committed to empowering the restaurant community. As a Counterparty Risk Underwriter at our rapidly growing company, you will be responsible for the end-to-end underwriting of small business loans. Your role will involve conducting comprehensive financial analysis, risk assessment, credit approval, documentation, funding support, and ongoing portfolio monitoring. You will collaborate closely with various teams to make sound lending decisions while balancing growth and risk to protect the portfolio from losses.

• *Responsibilities:**
• Conduct end-to-end underwriting of small business loan applications, including financial analysis, risk assessment, structuring, and approval recommendations
• Analyze borrower financial statements to evaluate repayment capacity and creditworthiness
• Evaluate cash flow sustainability, liquidity, leverage, and debt service coverage to determine risk profile
• Review credit reports, public records, existing debt obligations, liens, and UCC filings
• Structure loan terms, exposure limits, and conditions aligned with company risk appetite
• Prepare clear credit memos for Credit Committee review with approval/decline rationale and risk mitigants
• Make independent underwriting decisions within delegated authority
• *Portfolio & Ongoing Risk Management:**
• Monitor approved loans and counterparties for changes in financial health, operating metrics, or market signals
• Determine reserve levels and recommend adjustments to exposure limits based on evolving risk
• Identify early warning indicators and escalate emerging risks to the Credit Committee
• Build and maintain monitoring frameworks tailored to merchant risk profiles
• Define alerting mechanisms for early detection of deteriorating credit qual