Principal Underwriter, SMB Risk

Clear-Com

Principal Underwriter leading diligence and credit decisions for SMBs at Clearco. Analyzing financial statements and fostering stakeholder collaboration for risk management.

Posted 6/29/2026full-timeRemote • 🇺🇸 United StatesLeadWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates extensive expertise in credit underwriting and financial analysis, with a strong focus on developing risk frameworks and conducting detailed evaluations of SMB customers. Proven ability to communicate effectively with stakeholders and deliver actionable insights under tight deadlines.

Highest-signal resume keywords

Credit UnderwritingFinancial Statement AnalysisRisk ManagementKYC ComplianceAnalytical Skills

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Credit AnalysisFinancial UnderwritingData-Driven Decision MakingFinancial Metrics TestingRisk Framework Development

Soft Skills

Strong Quantitative SkillsEffective CommunicationCollaborative MindsetProblem-Solving SkillsOwnership Mindset

Industry Keywords

SMB Credit UnderwritingCommercial BankingSpecialty FinanceFintech Risk ManagementE-Commerce Business Models

About the role

Key responsibilities & impact

Join Clearco as a senior leader on the diligence and underwriting team
Conduct reviews of SMB customers to reach robust, data-driven credit decisions
Work directly with customers and independently own credit decisions for individual accounts (approve/decline recommendations, exposure amounts, and key terms)
Develop and refine detailed risk frameworks for these decisions alongside the credit team
Work collaboratively with internal stakeholders to complete ad-hoc requests and projects, often with time constraints
Undertake detailed financial statement analysis to evaluate the financial health of Clearco customers and prospects
Test and refine specific financial metrics and ratios to enhance the speed and accuracy of our underwriting
Maintain expert knowledge of internal risk frameworks, authorization limits, and escalation processes
Act as a trusted risk advisor to leadership
Conduct ongoing analysis of the credit portfolio to flag risks and execute remediation plans
Continually stay abreast of underwriting best practices and expand knowledge.

Requirements

What you’ll need

Degree in analytics, business, accounting, economics, finance, or equivalent practical experience
7+ years of experience in credit underwriting, commercial banking, specialty finance, or fintech risk management
Direct experience with SMB credit underwriting and financial statement analysis
Deep expertise in financial underwriting, credit analysis, investment operations, or risk management
Familiarity with e‑commerce business models and digital health metrics
Working knowledge of core compliance standards, including KYC and AML
Strong quantitative and writing skills, with a track record of delivering concise, actionable recommendations
Clear, professional presence for direct customer communication, negotiations, and cross-functional collaboration
Strong analytical skills to break down complex problems
Builder mindset with a track record of improving processes for scale
Ownership and growth mindset; comfortable with radical candor.

Benefits

Comp & perks

Clearco is an equal-opportunity employer
We celebrate our inclusive work environment
We welcome members of all backgrounds and perspectives to apply
We’re committed to developing and upholding an inclusive, transparent, and comfortable environment for all.