Underwriting Analyst

The Underwriting Analyst evaluates business funding applications by analyzing financial data, assessing risk, and making recommendations to funding providers in our network. About the role The Underwriting Analyst prepares clear, evidence-based evaluations of commercial financing applications for independent providers in our network. You will review bank activity, tax returns, credit information, and other business documents; identify patterns or gaps; and summarize relevant strengths, risks, and outstanding questions without making unsupported assumptions. You will collaborate with sales and operations to obtain complete documentation, maintain a reliable audit trail, and present findings in a format providers can assess efficiently. The work requires financial fluency, careful handling of sensitive information, consistent application of internal procedures, and the judgment to escalat unusual or incomplete files. Responsibilities Analyze business bank statements, tax returns, and financial documents Assess creditworthiness and business performance across various industries Prepare funding recommendations and risk summaries for providers Communicate with sales team to gather additional documentation as needed Stay current on industry trends and underwriting best practices Requirements 2+ years of experience in underwriting, credit analysis, or commercial lending Strong financial analysis and Excel skills Ability to evaluate risk across diverse business types and industries High attention to detail and ability to work under tight deadlines Knowledge of MCA or alternative lending products preferred What success looks like Produce concise, traceable analyses that connect each recommendation to verified information in the application file Flag missing, inconsistent, or time-sensitive information early enough to avoid preventable review delays Apply review procedures consistently while recognizing when industry context or unusual cash-flow patterns require escalation Protect confidential business information and maintain accurate records of documents, questions, and provider feedback 2+ years of experience in underwriting, credit analysis, or commercial lendingStrong financial analysis and Excel skillsAbility to evaluate risk across diverse business types and industriesHigh attention to detail and ability to work under tight deadlinesKnowledge of MCA or alternative lending products preferred #J-18808-Ljbffr Excel Capital Funding LLC