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Underwriting Analyst

Clearco

HybridHybrid

Original Job Summary

About Clearco

Clearco is the leader of AI, data-driven ecommerce funding and has advanced over $2.5 billion in non-dilutive capital to more than 10,000 businesses. Their revolutionary Invoice Funding product enables entrepreneurs to fund expenses including marketing and inventory, preserving cash flow for future planning.

What Your Day-to-Day Looks Like

  • Conduct comprehensive reviews of Clearco customers to reach robust credit decisions following established risk frameworks.
  • Perform detailed financial statement analysis and communicate findings to key stakeholders.
  • Collaborate with the credit team to refine risk frameworks and underwriting processes.
  • Support ad-hoc internal requests and projects under time constraints.
  • Test and validate financial metrics and ratios to enhance analysis accuracy.
  • Maintain knowledge of internal financial underwriting frameworks, authorization limits, and escalation processes.
  • Perform KYB/KYC checks in line with compliance procedures to flag business risks.
  • Analyze portfolio segments to identify emerging risks and support remediation planning.
  • Advise on process improvements and operational efficiencies within the underwriting workflow.
  • Stay current on underwriting best practices and industry developments.

What You Will Bring

  • A degree in analytics, business, accounting, economics, or finance.
  • 3-5 years of related experience in finance, credit underwriting, consulting, or analytics.
  • Solid experience in financial underwriting, credit analysis, and risk management.
  • Working knowledge of SMB credit underwriting, preferably in commercial banking or specialty finance.
  • Strong analytical abilities with a detail-oriented mindset.
  • Experience with technical platforms such as CRMs, SQL, Tableau, or similar tools.
  • Familiarity with e-commerce business models and key performance metrics.
  • Excellent communication skills and team collaboration.
  • Interest in mentoring junior team members.

Nice to Have

  • Experience with revenue-based finance, fintech, or alternative finance products.
  • Knowledge of compliance related to privacy, KYC, and AML protocols.
  • Experience with statistical analysis and report writing, particularly for e-commerce brands.
  • Understanding of process automation and operational efficiency concepts.
  • Customer-facing experience in professional services contexts.

What We Are Looking For

  • Results-oriented with a track record of meeting goals and deadlines.
  • Growth mindset with eagerness to take on increasing responsibilities.
  • Strong attention to detail in high-volume environments.
  • Collaborative spirit to build positive relationships across teams.
  • Adaptability to changing priorities in a dynamic fintech environment.
  • Professional maturity to handle sensitive financial information and judgments.

Key Skills/Competency

  • Underwriting
  • Credit Analysis
  • Risk Management
  • Financial Analysis
  • Compliance
  • Data Analysis
  • SQL
  • Tableau
  • Process Improvement
  • Communication

How to Get Hired at Clearco

🎯 Tips for Getting Hired

  • Research Clearco's culture: Learn their mission, values and recent updates.
  • Tailor your resume: Highlight relevant underwriting and finance experiences.
  • Showcase technical skills: Emphasize CRM, SQL, and Tableau proficiency.
  • Prepare communication examples: Detail past stakeholder reporting instances.

📝 Interview Preparation Advice

Technical Preparation

Review financial statement methodologies.
Practice SQL queries and data extraction.
Familiarize with CRM and Tableau tools.
Study risk management models.

Behavioral Questions

Describe a challenging credit review situation.
Explain your teamwork in fast-paced environments.
Discuss handling tight deadlines professionally.
Share an example of process improvement contribution.