Underwriting Analyst

@ Clearco

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