Offer summary

Qualifications:

2-3+ years of underwriting experience in financial services or fintech, Strong critical reasoning, problem solving, and analytical skills, Familiarity with financial risk assessment and U.S. compliance regulations, Excellent oral and written communication skills..

Key responsibilities:

Review and assess financial risk of new and existing customers

Analyze business financial statements and credit reports

Communicate directly with clients about application status and requirements

Make timely decisions on application outcomes based on policy guidelines.

Job description

Who we are:

Motive empowers the people who run physical operations with tools to make their work safer, more productive, and more profitable. For the first time ever, safety, operations and finance teams can manage their drivers, vehicles, equipment, and fleet related spend in a single system. Combined with industry leading AI, the Motive platform gives you complete visibility and control, and significantly reduces manual workloads by automating and simplifying tasks.

Motive serves more than 100,000 customers – from Fortune 500 enterprises to small businesses – across a wide range of industries, including transportation and logistics, construction, energy, field service, manufacturing, agriculture, food and beverage, retail, and the public sector.

Visit gomotive.com to learn more.

About the Role:
We are seeking a highly motivated and experienced underwriting professional to join our Risk Management team. As an experienced underwriter, you will be responsible for reviewing and assessing the financial risk of new and existing customers, while making decisions based on policy guidelines. You should have experience and subject matter expertise in financial services, end-to-end underwriting lifecycle, portfolio management, bank statement and financial decisioning, and risk assessment.
You’ll evaluate applications, perform analysis that mitigate financial risk, and make timely and accurate decisions on application outcomes. The successful candidate will work as a member of our Risk Organization and collaborate with members from our sales, data science, product management, and other stakeholders to deliver best in class customer experience.

What You'll Do:

Collect, review and analyze applicants' relevant financial, demographic, and historic information and records. This includes, but is not limited to, analysis of business financial statements such as balance sheets, income statements and cash flow statements, bank statements, and credit reports
Directly communicate with clients & sales about application status
Clearly articulate why and when additional documents are needed in order to determine a client's creditworthiness
Make determination whether to approve, decline or seek an exception for an application based on policy guidelines
Make quality decisions in a timely and efficient manner within expected SLA
Perform portfolio management, evaluating and identifying suspicious or questionable items
Recommend policy and process improvement to mitigate potential failure points throughout the underwriting journey
Bank statement analysis, financial spreading and risk ratio analysis culminating with underwriting memo

What We're Looking For:

2-3+ years of underwriting experience in financial services, high-growth payments, or fintech company
Strong critical reasoning, problem solving and analytical skills
Ability to work independently and thrive in a collaborative team environment
Excellent oral and written communication skills
Familiar with fundamentals of financial risk assessment
Familiar with the U.S. compliance, lending & regulatory environment (KYC, Reg B, Reg Z, UDAAP, FCBA, Truth in Lending Act)
Experience with quantitative and qualitative analysis
Strong organization, and time management skills
Proven experience with bank based & financial underwriting
Highly motivated, organized, reliable, and has demonstrated competency in mathematics and financial spreading

Creating a diverse and inclusive workplace is one of Motive's core values. We are an equal opportunity employer and welcome people of different backgrounds, experiences, abilities and perspectives.

Please review our Candidate Privacy Notice here .

UK Candidate Privacy Notice here.

The applicant must be authorized to receive and access those commodities and technologies controlled under U.S. Export Administration Regulations. It is Motive's policy to require that employees be authorized to receive access to Motive products and technology.

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