About US

At Biz2Credit, we look for individuals who are ready to join a dynamic and innovative fintech company on a mission to change the lending landscape for small businesses. Our values of Collaboration, Responsibility, Empowerment, Disruption, Innovation, and Trust guide everything we do, and our purpose of helping small businesses succeed drives us forward.

As a company, we believe that with the right tools and support, small business owners can achieve their dreams, and we're here to make that happen. That's why we're dedicated to developing cutting-edge solutions, like our Biz2X platform, a fully-configurable SaaS solution that leverages artificial intelligence and machine learning to make lending more efficient, effective, and accessible.

But we're more than just another FinTech company. We're a team of individuals who bring their unique personalities, backgrounds, and experiences to work every day. We believe that diversity makes us stronger, and that's why we value a culture that is inclusive and supportive. We're looking for people who are excited about the opportunity to make a difference, who want to work in an environment that is both challenging and fun, and who are eager to bring their whole selves to work.

So, if you're someone who is eager to join a company that is making a real impact, who values a positive and inclusive workplace culture, and who is ready to be a part of a team that is changing the lending landscape, we want to hear from you. Come join us and be a part of something truly special at Biz2Credit.

About this role

Currently, we seek to hire an Underwriter for our NY Office that will perform detailed financial analysis on the small business, including trend and ratio analysis, and interpret the financial information to determine credit quality and cash flow.

Responsibilities

• Work with the Relationship Managers in structuring, analyzing, and negotiating credit transactions.
• Responsible for full cycle underwriting of assigned small business financing.
• Determine the ability of the client to repay financing based on analysis of the client’s cash flow statements, tax returns, and other financial information.
• Perform detailed financial analysis on the small business, including trend and ratio analysis, and interpret the financial information to determine credit quality and cash flow adequacy.
• Perform credit analysis and financial statement analysis on co-owners, guarantors, and individuals to determine assets coverage for requested loan amounts.
• Coordinate with Relationship Managers regarding customer calls and site visits.
• Perform other due diligence as needed to determine the creditworthiness of a small business owner.

• bachelor’s degree in finance, Accounting, or similar discipline.
• 2+ years’ experience working in a Merchant Cash Advance / financial institution underwriting small businesses;
• 2+ years in a commercial credit analyst or commercial underwriting role working with small businesses a plus.
• Strong analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry, and competitive analysis and projections.
• Proficient in various spreadsheet and word processing applications (Excel and Word are preferred) including the use of graphs/charts, and Moody's financial analysis software.
• Basic knowledge of credit principles, lending operations, loan research, and general credit policies.
• Team player with the ability to take the initiative.
• Detail-oriented, ability to work well under pressure and multi-task.
• Strong written and verbal communication skills.
• Problem recognition and resolution skills.

Benefits & Perks

Generous medical, dental, and vision insurance

401K match, commuter benefits, and employee incentive plan

Catered lunch and team events

In the News

Named to Deloitte Technology Fast 500

Inc 5000 - fastest growing private companies in 2023

Crain’s New York Fast 50

Great Place to Work Certified

Salary Range

$65k-$85k