Risk Analyst II, Underwriting

Motive is seeking an experienced underwriting professional to join its Risk Management team. The role involves reviewing and assessing the financial risk of new and existing customers, making decisions based on policy guidelines, and performing analysis to mitigate financial risk. The analyst will collect and analyze financial, demographic, and historic information, including business financial statements, bank statements, and credit reports, and collaborate with sales, data science, and product management teams to ensure a best-in-class customer experience.

Must Have

• Collect, review, and analyze applicants' relevant financial, demographic, and historic information and records.
• Analyze business financial statements, bank statements, and credit reports.
• Communicate directly with clients and sales about application status and document needs.
• Make determinations to approve, decline, or seek exceptions for applications based on policy guidelines.
• Perform portfolio management, evaluating and identifying suspicious or questionable items.
• Recommend policy and process improvements to mitigate potential failure points.
• Conduct bank statement analysis, financial spreading, and risk ratio analysis.
• 3+ years of underwriting experience in financial services, high-growth payments, or fintech company.
• Strong critical reasoning, problem-solving, and analytical skills.
• Familiarity with fundamentals of financial risk assessment.
• Familiarity 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.
• Proven experience with bank-based and financial underwriting.
• Demonstrated competency in mathematics and financial spreading.

About the Role:

We are seeking a highly motivated and experienced underwriting professional to join our Risk Management team. As an experienced underwriter, you will be responsible for reviewing and assessing the financial risk of new and existing customers, while making decisions based on policy guidelines. You should have experience and subject matter expertise in financial services, end-to-end underwriting lifecycle, portfolio management, bank statement and financial decisioning, and risk assessment.

You’ll evaluate applications, perform analysis that mitigate financial risk, and make timely and accurate decisions on application outcomes. The successful candidate will work as a member of our Risk Organization and collaborate with members from our sales, data science, product management, and other stakeholders to deliver best in class customer experience.

What You'll Do:

• Collect, review and analyze applicants' relevant financial, demographic, and historic information and records. This includes, but is not limited to, analysis of business financial statements such as balance sheets, income statements and cash flow statements, bank statements, and credit reports
• 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

What We're Looking For:

• 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

Creating a diverse and inclusive workplace is one of Motive's core values. We are an equal opportunity employer and welcome people of different backgrounds, experiences, abilities and perspectives.

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The applicant must be authorized to receive and access those commodities and technologies controlled under U.S. Export Administration Regulations. It is Motive's policy to require that employees be authorized to receive access to Motive products and technology.

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