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Underwriter Credit | Funding Circle | San Francisco, CA

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Funding Circle

Underwriter
Credit | San Francisco, CA, United States

We’re a company with a mission you can feel good about. We help small businesses flourish by providing them with fast and fair finance. We help investors prosper by offering them the opportunity to make good returns. And together, we help grow the economy. We are backed by a great group of investors, including Accel Partners, Index Ventures, Union Square Ventures and Ribbit Capital. The opportunities ahead of us are unbounded. We think big and, if you do too, then come join our talented team.

Our mission: to build a better financial world.

Excited? – Join us!

THE ROLE
The Credit team is seeking a smart, passionate, and hard-working Underwriter to make lending decisions and improve our underwriting process. You will be joining a highly-motivated team and will be afforded substantial opportunity for growth from day one.

  • Evaluating Loan Applications: Your main focus will be to analyze borrowers’ creditworthiness and make lending decisions. This entails analyzing financial statements, information provided in borrowers’ loan applications, credit bureau information, and other third party data.
  • Improving Underwriting Process and Policy: You will work closely with our Borrower Sales Team to improve the internal underwriting process. You will also work to optimize the application and funding experience for borrowers, while identifying areas in need of further control.
  • Credit Risk Model and Underwriting Policy Improvement: You will be active in providing feedback to the risk modeling teams and suggestions on how to strengthen our underwriting models and policies.

REQUIRED SKILLS/EXPERIENCE

  • At least 2 years of experience in small size commercial loan underwriting
  • Experience interpreting financial information in the context of small business credit quality
  • Experience interpreting financial information in the context of small business credit quality
  • Strong communications skills
  • Great analytical skills with commercial awareness
  • Ability to evaluate current processes and take initiative to improve them; take an “outside of the box” thinking approach to solve problems
  • Openness to learning and teaching others in a team environment; Ability to work independently
  • Ability to plan and organize workload to ensure consistent achievement of goals and targets
  • Enthusiasm for fast-paced, team-oriented startup

BONUS POINTS FOR:

  • Experience having held independent sign-off authority

Why join us?
We offer all of the stuff that folks tend to find important, like a competitive salary, equity, fully-covered health benefits and the like. That said, have you heard about what we’re doing?! Our mission is what really motivates us to come to work each day:

  • We’re supporting small business, the engine of economic growth
  • We’re creating a bigger marketplace where investors can directly connect with businesses
  • We’re helping facilitate higher yields for investors and lower interest rates for borrowers
  • We can fund loans extremely quickly, all online!
  • We have a clear competitive advantage in areas like domain expertise and regulatory processes

To learn more about our environment, culture, and perks, visit: https://www.fundingcircle.com/us/careers

To apply, visit: https://hire.jobvite.com/CompanyJobs/Careers.aspx?k=JobListing&c=qmQ9Vfw0&v=1&page=Job%20Description&j=ovgMZfwg

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

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