Underwriter

Senior UnderwriterMake confident credit decisions. Manage complex risk. Help small businesses grow.About Expansion Capital Group (ECG): ECG provides financing solutions that help small businesses access the capital they need to grow. Our team specializes in efficient, non-traditional lending, balancing speed with strong credit discipline and a commitment to doing things the right way.We are looking for a Senior Underwriter to support our Underwriting team.This role is ideal for an experienced underwriter who enjoys evaluating complex lending opportunities, analyzing financial information, and making sound credit decisions. You'll play a key role by reviewing complex financing requests, partnering with internal teams, and helping ensure funding decisions are accurate, timely, and aligned with ECG's lending philosophy. If you're analytical, decisive, and motivated to make a meaningful impact, this is a strong opportunity. In this role, you'll independently evaluate credit requests, collaborate across departments, and help balance responsible lending with business growth.What You'll Do:Review and evaluate complex small business financing requests requiring manual underwritingAnalyze financial information, credit profiles, supporting documentation, and risk factorsMake independent credit decisions using established underwriting guidelinesEvaluate exception-based lending scenarios while maintaining risk tolerancesReview documentation for completeness, accuracy, and compliance prior to fundingGenerate contract requests and validate funding documentationPartner with Sales, Underwriting Processing, Merchant Support, and other teamsCommunicate professionally with merchants, referral partners, and lendersResolve complex underwriting questions and funding scenariosIdentify opportunities to improve underwriting quality and operational efficiencyWhat You'll Learn:Advanced commercial underwriting and credit analysisComplex risk assessment and exception-based lendingCross-functional collaboration across ECG's lending operationsStrategies for balancing portfolio quality with business growthContinuous improvement within a growing fintech organizationWhy Join Us:Meaningful Impact: Make credit decisions that directly influence funding outcomesChallenging Work: Evaluate complex commercial lending opportunitiesGrowth Potential: Continue developing your underwriting expertiseTeam Environment: Collaborative, fast-paced, and execution-focusedConsistency: Monday–Friday schedule with predictable hoursWork Environment:In-office role based in Sioux Falls, SD or Sandy, UTProfessional office environment with a collaborative team atmosphereWhat We're Looking For:Commercial or small business underwritingFinancial analysis and credit decision-makingManual underwriting and exception-based lendingWorking in banking, lending, or financial servicesCollaborating across departments to support funding decisionsYou'll Thrive in This Role If You Are:Analytical and detail-orientedComfortable making independent decisionsOrganized and able to manage multiple prioritiesA strong communicator and collaborative partnerCommitted to accuracy, accountability, and continuous improvementRequirements:Minimum of four years of underwriting experience making credit decisions in a financial services or lending environmentExperience analyzing complex financial information and applying underwriting guidelinesStrong analytical, mathematical, critical thinking, and decision-making skillsExcellent verbal and written communication skillsStrong organizational skills and attention to detailAbility to work independently while collaborating effectively across teamsProficiency with Microsoft Office and internet-based research toolsPreferred Experience:Bachelor's degree in business, Finance, Accounting, Economics, or a related fieldExperience underwriting small business, working capital, or commercial lending productsExperience reviewing complex or exception-based underwriting scenariosExperience in alternative lending or fintechKnowledge of business financial statements, cash flow analysis, and commercial credit evaluationExperience mentoring or serving as a resource for junior underwriters or underwriting processing staffEqual Opportunity EmployerExpansion Capital Group is an equal opportunity employer and considers all applicants without regard to protected characteristics.