Remote Life Insurance Underwriter

Accion Opportunity Fund is an unparalleled financial support system that provides small business owners with access to capital, networks, and coaching. For over 30 years we have deployed over $1 billion in over 35,000 loans and served 4 million business owners with educational resources. Our client base is nearly 90% from underserved communities.

In addition to providing resources and loans to small businesses, we also conduct original research, advocate for policy changes, and finance community construction projects in low-income neighborhoods through our New Market Tax Credit program.

We're building a better system for underserved small businesses and a workplace where passionate problem‑solvers, data‑driven thinkers, and small business champions thrive.

Reporting to VP, Underwriting, the SBA Underwriter will underwrite SBA 7(a) small loans in compliance with SBA Standard Operating Procedures (SOP) and internal credit policies.

The SBA Underwriter will independently analyze, structure, and underwrite SBA‑guaranteed loans, working closely with Sales, Operations, and Closing teams to ensure accuracy, timeliness, and compliance throughout the loan lifecycle.

Analyze borrower and guarantor financials, including:

Business and personal tax returns

Interim financial statements

Cash flow and debt service coverage (DSCR)

Global cash flow analysis

Evaluate credit reports, collateral, management experience, industry risk, and repayment ability

Structure loans within SBA and internal credit guidelines, identifying risks and mitigants

Perform KYC, due diligence, and fraud prevention reviews in accordance with SBA and internal policies

Identify policy exceptions, document credit rationale, and elevate complex or high‑risk cases as appropriate

Manage underwriting pipeline within established SLAs, balancing quality, compliance, and turnaround time

Partner with Sales, Operations, and Closing teams to ensure smooth handoffs and timely funding

Participate in special projects, audits, SBA reviews, and process improvements as needed

Experience underwriting loans in a bank, credit union, CDFI, or SBA lending environment

Proficiency reviewing financial documents, including tax returns, bank statements, and credit reports

Strong understanding of cash flow analysis, DSCR, and global cash flow

Proficiency with Microsoft Office, especially Excel

Experience in mission‑driven, CDFI, or community lending organizations

An environment that values work‑life balance and monthly remote work reimbursements.

100% company‑funded Medical, Dental, Vision, Life & Disability coverage for employees (based upon your plan selection). 90% company‑funded dependent coverage (based upon your plan selection) as well as Flexible Spending Accounts.

Voluntary benefits with payroll deduction for Supplemental Life & AD&D insurance and legal plans.

Tax‑deferred & Roth 403(b) Retirement Plan with employer match.

Unlimited paid vacation days, 12 paid holidays, 1 floating paid holiday, 10 sick days, and paid parental leave.

We are an equal opportunity employer and committed to improving diversity, equity, and inclusion at Accion Opportunity Fund. AOF does not discriminate in employment on the basis of race, color, religion, sex (including pregnancy and gender identity), national origin, political affiliation, sexual orientation, marital status, disability, genetic information, age, membership in an employee organization, retaliation, parental status, military service, or other non‑merit factor.

Please note that the above salary range is a national range, and compensation is dependent upon the candidate’s experience and skill level.

#J-18808-Ljbffr ACCION OPPORTUNITY FUND COMMUNITY DEVELOPMENT