Underwriter II

Attention: Kapitus is aware that individuals posing as recruiters may be communicating with job seekers about supposed positions with Kapitus. Kapitus has received reports that the content and method of communication can vary, but messages may contain requests for payment (e.g., fees for equipment or training) and/or for sensitive financial information.

Kapitus will never ask a candidate for employment for payment or financial information during the initial application or interview process. All open positions are posted in location specific employment portals available at All legitimate Kapitus job postings on employment sites will direct candidates to complete an application through these portals before completion of the hiring process.

Candidates with additional questions or concerns regarding any recruiting communications or Kapitus' recruiting process in general should email View email address on click.appcast.io

The Underwriter II is a key participant in the underwriting process which includes the analysis of credit reports, bank statements, and various other business documentation.

What you'll do:

• Responsible for analysis of personal credit reports, business bank statements, background checks, and other relevant business documents, data gathering and research
• Exposed to deal flow in a variety of industries including retail, leisure, restaurants, hospitality, healthcare, manufacturers, media, technology, and construction
• Act as a key participant in the underwriting process which includes the analysis of credit reports, bank statements, and various other business documentation
• Research, analyze and provide background information on counterparties
• Communicate with sales organizations, sales managers, and merchants in both written and verbal form
• Assist in the negotiation of transaction terms and credit structure
• Responsibilities are subject to change to best suit the needs and interests of the business

What we're looking for:

• Diploma required, college degree preferred
• Excellent verbal, written, and interpersonal communication skills as well as a strong sense of accountability.
• Detail oriented with strong analytical skills.
• Ability to evaluate industry trends, understand market dynamics and develop and defend recommendations.
• Strong organizational skills and ability to multi-task.
• Ability and desire to work in a rapid-paced environment.
• Experience achieving metric and quality performance

Additional Required Skills:

• Working knowledge of Microsoft Suite
• Knowledge of financial principles and processes, experience with financial statement analysis
• Knowledge of federal, state and local regulatory requirements
• Effective at communicating clearly and adaptability
• Experience with administrative tasks
• Strong interpersonal skills and professionalism

Compensation:

• Competitive Base Salary Range of $55,800-$86,100. Kapitus is providing this as a good faith salary range to comply with applicable law. The applicant's final salary will depend on a number of factors including the applicant's geographic location, skills, and experience.

• Health Insurance: Comprehensive medical, dental, and employer-paid vision plans through UnitedHealthcare (UHC), with various coverage levels available to meet the needs of our employees and their families. Additional perks through UHC include: Sweat Equity, free subscription to the Calm App, UHC rewards, Real Appeal, and Quit For Life.
• Flexible Spending Account: Set aside pre-tax dollars from your paycheck to pay for qualified out-of-pocket medical, dental, vision, pharmacy or dependent care expenses.
• Lifestyle Spending Account: Employer sponsored post-tax benefits that allow reimbursement for expenses related to physical, mental and financial well-being.
• 100% Company Paid Insurances: Kapitus fully covers the cost of basic short-term and long-term disability insurance, as well as vision insurance, ensuring our employees have comprehensive protection without any personal expense.
• Voluntary Insurance: Supplemental life insurance as well as enhanced short- and long-term disability coverage are available through Mutual of Omaha, providing additional security for our employees. Additionally, Colonial Accident and Hospitalization insurances are also available, offering further protection against unforeseen events.
• Paid Maternity and Parental Leave: Beyond state-mandated leave policies, Kapitus provides company-paid maternity and parental leave, supporting our employees during important family milestones.
• Commuter Benefits: We offer pre-tax benefits on parking and commuter expenses to cover travel to and from work.
• LifeBalance Program: Enhance your lifestyle with our LifeBalance membership, which offers discounts on outdoor activities, the arts, health, and fitness. Additional benefits include:
  • Pet and car insurance discounts.
  • Financial services such as LegalShield.
  • Relaxation and stress management tools.
• Plum Benefits Discount Program: Access exclusive discounts on shows, travel, car rentals, and more, enriching your personal and family life.
• Tuition Reimbursement: Pursue further education with up to $5,000 annually in tuition reimbursement, plus opportunities to attend relevant conferences and career development events. Managed through our LSA plan, Kapitus Academy.
• Travel Reimbursement: We also offer travel reimbursement for all work-related travel, supporting your involvement in career and personal development activities.
• Paid Time Off and Sick Time.
• Retirement Benefits : Our 401K plan is managed through Fidelity. To support your long-term financial goals, the company provides a 25% match on your contributions, up to 6% of your annual salary.

About Kapitus:

Kapitus is one of the most reliable and respected names in small business financing. As both a direct lender and a marketplace built with a trusted network of lending partners, we can provide small businesses with the financing they need when, and how it is needed. We have spent our entire existence building a culture that makes us excited to come to work in the morning. Our company is fast paced, teammates need to be self-directed and have an internal motivation to do the right thing, even when the right thing takes a lot of hard work. We show our teammates our appreciation by offering great benefits, competitive pay and solid opportunity for growth.

Company Mission: At Kapitus, our mission is to help small business owners grow their organizations by providing tailored, transparent, and ethical financing solutions. We invest in every business owner's story and we are dedicated to building lasting relationships to champion their goals. We promise to keep the best interests of our clients at the center of the financing process by operating with transparency, fairness, and integrity.

Consideration will be given to qualified remote candidates residing in states where Kapitus and/or one of its subsidiaries has an established physical presence.