Senior Credit Analyst/Senior Underwriter
Libertas Funding LLC, Old Greenwich, Connecticut, us, 06870
Senior Credit Analyst/Senior Underwriter
Libertas Funding, LLC is a dynamic fintech, specialty finance, company providing capital to small and medium-sized businesses. With over 100 years of combined funding and credit expertise, we work hard to provide our customers with optimal solutions to meet their funding needs. Libertas maintains a spirit of innovation and customer focus while leveraging our proprietary technology and financial discipline to help our clients reach their goals. We seek qualified candidates who work with integrity and excellence, and who value teamwork, customer service, diversity, and accountability. The Senior Underwriter is part of the Underwriting team and is responsible for reviewing the loan applications of individuals, particularly for more complex transactions, to determine the risk involved. The Senior Underwriter is also responsible for evaluating the eligibility of the applicant for loan application processing. Analyze application data including financial statements, bank statements, Underwriting card statements, business/personal credit & due diligence platforms. Verify the applicant's information ensuring documents are valid and fulfill the loan application requirements. Evaluate business applicants' credit worthiness in accordance with company underwriting guidelines, across Libertas portfolio of products. Speak with customers to understand their funding needs. Create structured products to tailor needs of the client using background due diligence to evaluate credit risk. Perform accurate analysis of any applicant file with any degree of difficulty and effectively transmit underwriting decisions to relationship managers both orally and in writing. Provide technical and analytical guidance in gathering and analyzing financial information and interface with Senior Management to discuss underwriting and risk decisions and strategies. Adheres to compliance procedures and internal/operational risk controls in accordance with any and all applicable regulatory standards, requirements, and policies. Proficient knowledge in underwriting functions, an in-depth understanding of credit reports, income statements, balance sheets and tax returns Advanced problem-solving skills and excellent communications and interpersonal skills. Strong analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry, and competitive analysis and projections. Proficiency with Excel and data interpretation is a must; familiarity with Adobe and CRM platforms would be a plus. Proficiency in Microsoft Office Suite, especially Excel required. Has commitment to integrity, excellence, accountability, customer service, and teamwork. Has a strong work ethic, and an eagerness to learn. Strong interpersonal skills, attention to detail, and a genuine commitment to the success of the team. Vested in helping to solve escalated issues and work towards a successful resolution. Ability to work in a fast-paced environment. Technical aptitude Ability to be flexible and adapt to change. Has strong communication skills, verbal and written. Possesses a positive attitude, especially through challenges and difficult situations. Can multitask at a very high level and maintain multiple deadlines. Required Years of Work Experience: 3+ years of experience in MCA underwriting OR 2+ years in commercial banking. Education/Experience: Bachelor's degree. Concentration in Accounting, Finance, Economics, or related fields. Libertas Funding, LLC participates in E-Verify. Libertas Funding, LLC will not sponsor applicants for work visas for this position. Applicants must be currently authorized to work in the United States on a full-time basis. Libertas Funding, LLC provides equal employment opportunities to all applicants for employment and prohibits discrimination and harassment of any type with regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by the federal, state, or local laws.
Libertas Funding, LLC is a dynamic fintech, specialty finance, company providing capital to small and medium-sized businesses. With over 100 years of combined funding and credit expertise, we work hard to provide our customers with optimal solutions to meet their funding needs. Libertas maintains a spirit of innovation and customer focus while leveraging our proprietary technology and financial discipline to help our clients reach their goals. We seek qualified candidates who work with integrity and excellence, and who value teamwork, customer service, diversity, and accountability. The Senior Underwriter is part of the Underwriting team and is responsible for reviewing the loan applications of individuals, particularly for more complex transactions, to determine the risk involved. The Senior Underwriter is also responsible for evaluating the eligibility of the applicant for loan application processing. Analyze application data including financial statements, bank statements, Underwriting card statements, business/personal credit & due diligence platforms. Verify the applicant's information ensuring documents are valid and fulfill the loan application requirements. Evaluate business applicants' credit worthiness in accordance with company underwriting guidelines, across Libertas portfolio of products. Speak with customers to understand their funding needs. Create structured products to tailor needs of the client using background due diligence to evaluate credit risk. Perform accurate analysis of any applicant file with any degree of difficulty and effectively transmit underwriting decisions to relationship managers both orally and in writing. Provide technical and analytical guidance in gathering and analyzing financial information and interface with Senior Management to discuss underwriting and risk decisions and strategies. Adheres to compliance procedures and internal/operational risk controls in accordance with any and all applicable regulatory standards, requirements, and policies. Proficient knowledge in underwriting functions, an in-depth understanding of credit reports, income statements, balance sheets and tax returns Advanced problem-solving skills and excellent communications and interpersonal skills. Strong analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry, and competitive analysis and projections. Proficiency with Excel and data interpretation is a must; familiarity with Adobe and CRM platforms would be a plus. Proficiency in Microsoft Office Suite, especially Excel required. Has commitment to integrity, excellence, accountability, customer service, and teamwork. Has a strong work ethic, and an eagerness to learn. Strong interpersonal skills, attention to detail, and a genuine commitment to the success of the team. Vested in helping to solve escalated issues and work towards a successful resolution. Ability to work in a fast-paced environment. Technical aptitude Ability to be flexible and adapt to change. Has strong communication skills, verbal and written. Possesses a positive attitude, especially through challenges and difficult situations. Can multitask at a very high level and maintain multiple deadlines. Required Years of Work Experience: 3+ years of experience in MCA underwriting OR 2+ years in commercial banking. Education/Experience: Bachelor's degree. Concentration in Accounting, Finance, Economics, or related fields. Libertas Funding, LLC participates in E-Verify. Libertas Funding, LLC will not sponsor applicants for work visas for this position. Applicants must be currently authorized to work in the United States on a full-time basis. Libertas Funding, LLC provides equal employment opportunities to all applicants for employment and prohibits discrimination and harassment of any type with regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by the federal, state, or local laws.