greenhouse

Underwriting Senior Analyst

Brex

New York City, USA

Senior · 1+ years experience

USD 74128-92660 / year

Discovered 2 weeks ago

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Responsibilities

Assess the credit quality in terms of our business credit card customers' ability to repay
Review bank statements and financial statements to underwrite Brex customers
Handle intermediate-level underwriting escalations requiring deeper investigation into applicant financials or edge-case scenarios
Review existing underwriting processes and proactively identify and recommend improvements that align underwriting outcomes with broader organizational goals
Track and communicate key underwriting metrics (e.g., approval rates, turnaround time, loss rates) to stakeholders in a clear and meaningful way
Build and maintain relationships with key partners across Risk, Sales, Engineering, and Product to drive underwriting initiatives forward
Serve as a subject matter expert within your area of underwriting, executing with high precision and actively helping to up-level those around you
Contribute to the ongoing learning and success of your team and the company by sharing knowledge through mentorship, collaboration, and aiding in documentation

Requirements

Bachelor's degree in finance, accounting, economics or related field
1+ years of experience in underwriting, credit risk, financial analysis, or a related field
Passionate about credit and underwriting decisions on commercial exposures for small to large businesses
Understanding of GAAP/IFRS accounting standards and bank/financial statement analysis
Familiarity with quantitative credit risk models, probability of default and loss given default concepts
Proficiency with Google Sheets, Excel, and Hex (or similar BI tools) for data extraction and analysis
Deep familiarity with underwriting/credit tooling used to investigate and resolve escalations
Strong analytical rigor and attention to detail
Customer centric and passionate about thinking through customer needs and working with them while balancing risk exposures
Experience working cross-functionally with teams such as Sales, Customer Experience, Engineering, or Product, with strong written and verbal communication skills
Ability to communicate technical problems in an elegant and tactful way
Bonus Points
Familiarity with banking regulations and global markets
FinTech, Big 4, Accounting or other financial experience preferred
Compensation
The expected salary range for this role is $74,128 - $92,660 USD. However, the starting base pay will depend on a number of factors including the candidate’s location, skills, experience, market demands, and internal pay parity. Depending on the position offered, equity and other forms of compensation may be provided as part of a total compensation package.
Brex LLC is a wholly owned subsidiary of Capital One, N.A.
Please be aware, job-seekers may be at risk of targeting by malicious actors looking for personal data. Brex recruiters will only reach out via LinkedIn or email with a brex.com domain. Any outreach claiming to be from Brex via other sources should be ignored.