Risk Analyst II, Underwriting
Motive
full-time
Posted on:
Location Type: Remote
Location: Remote • 🇵🇰 Pakistan
Visit company websiteJob Level
Mid-LevelSenior
About the role
- Collect, review and analyze applicants' relevant financial, demographic, and historic information and records
- Directly communicate with clients & sales about application status
- Clearly articulate why and when additional documents are needed in order to determine a client's creditworthiness
- Make determination whether to approve, decline or seek an exception for an application based on policy guidelines
- Make quality decisions in a timely and efficient manner within expected SLA
- Perform portfolio management, evaluating and identifying suspicious or questionable items
- Recommend policy and process improvement to mitigate potential failure points throughout the underwriting journey
- Bank statement analysis, financial spreading and risk ratio analysis culminating with underwriting memo
Requirements
- 3+ years of underwriting experience in financial services, high-growth payments, or fintech company
- Strong critical reasoning, problem solving and analytical skills
- Ability to work independently and thrive in a collaborative team environment
- Excellent oral and written communication skills
- Familiar with fundamentals of financial risk assessment
- Familiar with the U.S. compliance, lending & regulatory environment (KYC, Reg B, Reg Z, UDAAP, FCBA, Truth in Lending Act)
- Experience with quantitative and qualitative analysis
- Strong organization, and time management skills
- Proven experience with bank based & financial underwriting
- Highly motivated, organized, reliable, and has demonstrated competency in mathematics and financial spreading.
Benefits
- Health insurance
- Professional development opportunities
- Flexible work arrangements
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard skills
underwritingfinancial analysisbank statement analysisfinancial spreadingrisk ratio analysisquantitative analysisqualitative analysiscreditworthiness assessmentpolicy guidelinesportfolio management
Soft skills
critical reasoningproblem solvinganalytical skillsoral communicationwritten communicationindependencecollaborationorganizationtime managementmotivation