Risk Analyst

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.

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

2-3+ 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.

All job postings are for existing vacancies. Please note; some interviews or new-hire training sessions may be held in person at one of our global offices.