Underwriter

Job Description

Job Description

Location: Sunny Isles Beach, Florida (On-Site)
Company: Neto Capital
Employment Type: Full-Time
Working Hours: 9:30AM–5:30PM
Start Date: Immediate / Based on availability
Compensation: Competitive compensation based on experience and level (Junior through Senior candidates encouraged to apply)

About Neto Capital
Neto Capital is a fast-growing FinTech company operating in the U.S. business financing space, building advanced technology infrastructure designed to make financing, underwriting, risk management, and reporting faster, smarter, more transparent, and more scalable.
The company combines financial and operational experience with data, automation, and AI/ML capabilities, and is developing a platform to manage financing processes end-to-end — from financial data collection and analysis, to data-driven decision-making, underwriting, portfolio management, operational controls, collections, investor reporting, and internal process optimization.
Neto Capital operates in a dynamic, entrepreneurial, and family-oriented environment, with a focus on growth, innovation, operational excellence, and building systems that connect finance, technology, data, and operations. We are looking for smart, independent, and curious people who want to take part in building a growing company and help shape the next generation of business financing solutions.

Position Overview
We are looking for Underwriters to join Neto Capital's underwriting and financial analysis team — we welcome candidates across all experience levels, from those early in their underwriting career to seasoned professionals ready to take on complex files and lead within the team. The scope of the role and level of responsibility will be tailored based on the candidate's experience.
This is an analytical, dynamic, and central role in the company's decision-making process. Underwriters are responsible for analyzing financing applications, reviewing financial data, working with bank statements, identifying risks, preparing underwriting summaries, and supporting (or, depending on experience, independently driving) data-driven decision-making processes. More experienced Underwriters will also take ownership of higher-exposure and complex deals, mentor newer team members, and contribute to underwriting policy and risk framework development.
As part of the role, Underwriters will make ongoing use of the company's AI and ML-based underwriting tools, designed to improve analysis quality, identify patterns and risks, streamline workflows, and support faster and more accurate decision-making — and, for more senior candidates, help refine those tools based on real-world underwriting experience.
We are looking for people who not only know how to work with numbers, but also understand the story behind the data, identify irregularities, ask the right questions, think outside the box, and turn financial information into clear and practical recommendations.

Key Responsibilities

• Review and analyze new business financing applications, ranging from routine to complex and higher-exposure files depending on experience level.
• Analyze bank statements, cash flow data, revenue, expenses, balances, returns, liabilities, and financial activity patterns.
• Conduct cash flow analysis and assess the financial capacity and risk exposure of businesses.
• Identify trends, irregularities, warning signs, and potential risks in financing files.
• Review client documents, financial statements, credit data, business documents, and additional supporting information.
• Prepare clear and organized underwriting summaries for decision-making purposes.
• Develop and, depending on experience, independently finalize recommendations regarding approvals, declines, terms, pricing, exposure, and risk level.
• Use the company's AI and ML-based underwriting tools on an ongoing basis as part of the financing analysis, risk identification, and decision-making process, and help refine these tools based on real-world experience.
• Provide professional feedback on internal underwriting tools, identify gaps, suggest improvements, and support the improvement of data-driven workflows.
• Work with management, product, and technology teams to support continuous improvement of underwriting processes, models, data, automation, and workflows.
• Work with Excel / Google Sheets for analysis, checks, reconciliations, calculations, and controls.
• Use AI tools for information analysis, data organization, checks, research, document summaries, and workflow improvement.
• Work with CRM systems, underwriting tools, bank verification tools, and other internal systems.
• Support data-driven decision-making and work closely with Risk, Sales, Operations, and company management.
• Identify recurring patterns, file issues, improvement opportunities, and insights that can help improve underwriting processes.
• Maintain accuracy, organization, and proper documentation of data, decisions, documents, and processes.
• Mentor, train, and support the development of newer team members as experience grows.
• Contribute to underwriting policies, credit guidelines, and risk frameworks as experience grows.

Requirements

• Bachelor's degree required.
• Bachelor's degree in Finance, Economics, Accounting, Business Administration, Mathematics, Statistics, Data Analytics, or a related field — strong advantage.
• Experience in an analytical, financial, underwriting, credit, banking, FinTech, lending, operations analysis, or similar role — required (open to candidates ranging from 1+ years to 5+ years of experience).
• Strong proficiency in Excel / Google Sheets — required.
• Strong analytical ability and ability to work with complex financial data.
• Understanding of bank statements, cash flow, revenue, expenses, liabilities, and financial risks — depth of understanding scaled to experience level.
• Experience using AI tools for analysis, summaries, research, checks, and process improvement — required.
• Ability to work with underwriting tools, data analysis systems, and AI/ML-based tools as part of financial decision-making processes.
• Strong understanding of the connection between data, underwriting, risk, and business decision-making.
• Fast and independent learning ability.
• Ability to work independently with strong organization and attention to detail.
• Critical thinking and ability to identify irregularities, risks, and unusual patterns.
• Ability to work in a fast-paced, dynamic, and multi-tasking environment.
• Ability to communicate conclusions clearly and in an organized way.
• Sound judgment, personal responsibility, and discretion when working with sensitive financial information.

Nice to Have

• Previous experience in FinTech, lending, business financing, credit underwriting, risk analysis, or financial operations.
• Experience analyzing business bank statements.
• Experience working with data-driven underwriting tools, automation, AI/ML, or credit decisioning platforms.
• Prior experience mentoring, training, or leading other underwriters or analysts.
• Experience developing or contributing to underwriting policies, credit guidelines, or risk frameworks.
• Interest in AI-driven underwriting, risk scoring, financial data analysis, and process automation.
• Familiarity with CRM or underwriting platforms.
• Familiarity with tools such as Plaid, DecisionLogic, Ocrolus, Salesforce, HubSpot, DataMerch, TLOxp, or similar systems.
• Experience building models, dashboards, templates, or analysis reports in Excel / Google Sheets.
• Basic to strong understanding of AI/ML, data workflows, or automation.
• Experience working in a startup or growing company.
• Additional languages — advantage.

Who You Are

• You have strong analytical thinking and curiosity to understand how things work.
• You know how to work with numbers, but also understand the business logic behind them.
• You are independent, organized, responsible, and a fast learner.
• You enjoy solving problems, identifying patterns, and thinking outside the box.
• You are highly accurate, detail-oriented, and able to identify irregularities.
• You know how to work in a fast-paced environment where speed, accuracy, and judgment all matter.
• You are open to learning new tools, using technology and AI, and improving existing processes.
• You want to work with advanced underwriting tools and be part of the continuous improvement of data and AI-driven underwriting processes.
• You are looking for a role with real responsibility, exposure to finance, and room to grow — whether you're building your foundation in underwriting or ready to take on more ownership and mentor others.

Why Join Neto Capital?

• Opportunity to join a growing FinTech company and grow in the world of underwriting, risk management, and business financing, at a pace that matches your experience.
• Analytical and meaningful role with direct impact on financing decisions and portfolio performance.
• Work with AI/ML-based underwriting tools developed by the company as part of its technology infrastructure.
• Close collaboration with Risk, Underwriting, Operations, Product, and company management.
• Exposure to data, AI, automation, finance, and operations.
• Dynamic, entrepreneurial, and family-oriented work environment.
• Opportunity to grow into more advanced roles in Underwriting, Risk, Portfolio Management, Data, or Operations.
• Competitive compensation based on experience, capabilities, and fit.

Neto Capital is a fast-growing fintech company operating in the U.S. small business financing space. We're not a brokerage — we're a technology company that funds businesses. We combine financial and operational expertise with data, automation, and cutting-edge AI/ML to make funding faster, smarter, and more transparent.

Here's what makes us different: most MCA shops win on volume and grind. We win on technology. Our sales team gets access to the best AI and tech tools on the market — the kind that surface the right merchants, sharpen your pitch, and move deals to funded faster than anyone else in the industry. While our competitors hand reps a dialer and a list of dead leads, we hand you a real edge. You still bring the drive — but here, your drive is multiplied by tools that actually help you win.

Neto Capital operates in a dynamic, entrepreneurial, and family-oriented environment built around one idea: when you succeed, we succeed. We invest heavily in our people — training, coaching, technology, warm leads, and a culture that pushes you to be great. Whether you're a seasoned vet looking for a smarter home or a hungry newcomer ready to break into financial sales, we set you up to win.

Company Description

Neto Capital is a fast-growing fintech company operating in the U.S. small business financing space. We're not a brokerage — we're a technology company that funds businesses. We combine financial and operational expertise with data, automation, and cutting-edge AI/ML to make funding faster, smarter, and more transparent.\r\n\r\nHere's what makes us different: most MCA shops win on volume and grind. We win on technology. Our sales team gets access to the best AI and tech tools on the market — the kind that surface the right merchants, sharpen your pitch, and move deals to funded faster than anyone else in the industry. While our competitors hand reps a dialer and a list of dead leads, we hand you a real edge. You still bring the drive — but here, your drive is multiplied by tools that actually help you win.\r\n\r\nNeto Capital operates in a dynamic, entrepreneurial, and family-oriented environment built around one idea: when you succeed, we succeed. We invest heavily in our people — training, coaching, technology, warm leads, and a culture that pushes you to be great. Whether you're a seasoned vet looking for a smarter home or a hungry newcomer ready to break into financial sales, we set you up to win.