Underwriter I

Underwriter Position at PeopleFundThe Underwriter will structure and underwrite small business loans that have a community impact in Texas' lower-income communities and monitor the financial health of PeopleFund clients. Other responsibilities include maintaining appropriate due diligence files, preparing for internal and external compliance reviews, community outreach and event support for programs on behalf of the organization. This position reports to the Underwriting Manager.PeopleFund's Mission is to create economic opportunity and financial stability for underserved people by providing access to capital, education, and resources to build healthy small businesses.Our Values are:Integrity FirstService Before SelfExcellence In All We DoJob Duties and Responsibilities Include:Structure and underwrite FlashFund and SBA Microloan loan requests with a focus on repayment analysis, collateral support, personal credit profile, and eligibility/alignment with PeopleFund's mission.Participate in training related to SBA 7(a) underwriting.Engage with Loan Officers and applicants to address underwriting questions and counter-offer requests when needed.Recommend acceptable loan requests for approval, complete with underwriting memo and supporting analysis.Communicate loan approval terms or declination rationale. Provide guidance and suggestions to Loan Officer/applicant on actions that can be taken to mitigate noted risks.Determine appropriate funding program based on eligibility criteria and approved terms.Ensure appropriate supporting documentation is provided/verified and maintained on file.Partner with the Lending and Loan Administration teams to provide client focused service and support.Accompany Loan Officers calling on customers when requested.Perform site visits when requested as related to a loan request.Support all program and event related activity.Other duties as assignedThe Perks - PeopleFund provides the following benefits for employees:Medical, dental, vision, and life insurance coverage. PeopleFund pays up to 100% for employee only coveragePaid Time Off starting at 3 weeks per year and 12 paid holidays401 (k) retirement plan match and immediate vestingFlexible Spending Account (FSA) and Health Savings Account (HSA) available for qualifying medical plans and expensesDependent Child Care Spending Account available to employees who qualifyPeopleFund is a Hybrid Work EnvironmentTrue to our Mission, PeopleFund is committed to recruiting and retaining a diverse staff, and to creating a respectful workplace anchored in a deep, shared commitment to inclusiveness. We are proud to be an equal opportunity employer. PeopleFund welcomes applications from all qualified persons from all backgrounds who can contribute to our Team's capabilities as we work together to create economic opportunity in underserved communities.Requirements:Financial analysis experience (small business or personal lending preferred)Knowledge of finance/basic accountingBachelor's degree preferred or equivalent experienceExcellent skills in managing multiple tasks requiring strong attention to detailAbility to gather and analyze information efficiently and formulate an independent recommendationAdapts to changes in the work environment and offers suggestions to improve processesStrong communication skills and positive, team focused approachSpanish preferred but not required