Underwriting Analyst

At Mudflap, we're modernizing the $1 trillion trucking industry, the backbone of the U.S. economy. By helping over 100,000 underserved small businesses save over $1 billion on fuel, Mudflap has quickly grown into a profitable fintech platform that processes billions in annual payment volume. As an Underwriting Analyst, you will be responsible for evaluating and assessing creditworthiness, ensuring sound lending decisions, and minimizing risk exposure. This role demands a keen eye for detail, a comprehensive understanding of credit evaluation processes, and demonstrates balanced judgment. Work Location: We value in-person connection and have offices in both Palo Alto, CA and Austin, TX. While we welcome candidates from either location, we have a preference for candidates based in Austin to support occasional in-person collaboration. We are also open to remote team members who can travel periodically as needed. To support our team, we offer: Commuter benefits to ease your travel Lunches and snacks to keep you fueled A collaborative, high-growth environment where you’ll work closely with talented teammates across the company Expectations (In this role, you will): Assess the creditworthiness of loan applicants by analyzing financial data, credit reports, and other relevant information. Determine the risk level associated with lending and make informed decisions based on established criteria. Evaluate exceptions to credit policy carefully and make recommendations to the leadership team Collaborate with internal teams to streamline the underwriting process and ensure timely completion of applications. Conduct periodic reviews of existing customers to evaluate credit limit changes and recommend appropriate changes. Communicate effectively with clients, providing clear explanations of underwriting decisions and assisting in resolving inquiries. Experience (What we look for): Has prior experience in either consumer or small business underwriting Have a basic understanding of Excel and other platforms of data entry Ability to work both independently and as part of a team Detail oriented and able to handle multiple tasks effectively Familiar with fast-paced environments with an “all hands on deck” approach Strong written, oral communication, analytical and interpersonal skills Ability to develop and foster strong cross functional partnerships Perks and Benefits (What we offer): Competitive salary and equity in a high-growth startup Multiple health benefit options Responsible Time Off 401(k) matching Opportunities and support for major career growth Annual Company offsite event (Mudfest!) The salary range for this role is $68,000 - $90,000. This information reflects a base salary range for this position based on current market data, which may be subject to change as new market data becomes available. The candidate's skills, experience, and other relevant factors will determine the exact compensation. Company Overview (Who we are): Mudflap is on a mission to transform the trucking and logistics industry by leveling the playing field for owner operators and small fleets. Backed by top-tier venture investors, including QED, Matrix Partners, Commerce Ventures, NFX, and 500 Startups and included in the Forbes Fintech 50 list, Mudflap offers fleet fuel management solutions. Our core team hails from Disney, Uber, Procore, DoorDash, Google, Meta, Capital One, Affirm and Brex. Here are the core values that we believe in and look for in new teammates: Be Customer Obsessed: We deeply understand customer needs and put our customers at the center of everything we do Make it Count: Act like an owner by focusing on the impact of your work Find a Way: Be a creative problem solver who pushes past roadblocks to win for our customers and our teammates Sweat the Details: We keep our standards high and achieve them by paying attention to every detail Be Curious: Use a growth mindset to question assumptions, take calculated risks and stretch the boundaries of what’s possible