Underwriting Analyst
Description
About World Business Lenders About Us
World Business Lenders (WBL) provides short-term, real estate–collateralized commercial loans to small and medium-sized businesses across the United States that do not have access to traditional financing. The company also services its own loan portfolio and those of third parties, with a focus on managing non-performing loan pools and REO.
- WBL is a U.S.-based company with a fully remote workforce.
- Working hours are 9:00am–6:00pm Eastern Time, Monday through Friday.
- The role requires strong spoken and written English.
- All resumes must be submitted in English.
Overview
- The role requires near-zero errors in credit sheets and CRM data entry, basic product knowledge, effective inter-departmental communication, and a solid understanding of underwriting concepts and internal guidelines.
Job Duties and Responsibilities
- Get credit analysis ready to help support well-informed credit recommendations.
- Review business bank statements, financial statements, tax returns, and cash flow statements to perform thorough investment analyses.
- Work on structuring and underwriting complex credit applications, balancing profitability goals with risk guidelines.
- Create financial models that help analyze both individual loan performance and overall portfolio health.
- Make sure all loan applications are underwritten following WBL’s underwriting guidelines, policies, and procedures.
- Prepare underwriting forms (using Excel) and Loan Approval forms for review, ensuring all information is complete and accurate.
Requirements
Education:
- Bachelor’s degree or equivalent experience demonstrating relevant proficiency.
Experience:
- At least 2 years of experience in underwriting, credit analysis, lending, or banking
- Experience with financial analysis or structured credit work is a big plus.
Preferred Background / Industry Experience
- Lending Industry
- Banking Sector
Specific Technical Skills Needed
- Intermediate MS Excel proficiency
- Ability to analyze:
- Financial statements (P&L, balance sheet, cash flow)
- Bank statements
- Tax returns
- Basic financial modeling capability
- Understanding of credit underwriting principles
Specific Soft Skills Needed
- Strong analytical mindset
- High attention to detail
- Stress tolerance
- Self-learner / ability to work independently
Benefits
- Enjoy Paid Time Off (PTO) to recharge
- Salary paid in USD
- Work comfortably 100% from home
Skills
As published by workable · 4 questions · 4 written answers
First name, Last name, Email, Phone, Address, Education, Experience, Summary, Resume, What is your salary expectation for this position? Please state in US Dollars, per month. (Please indicate a valid USD amount or your application will not be considered), Current English level, Country, What is your notice period?, Were you referred by someone in the company? If so, please indicate the employe's full name, if not please write "NO", Cover letter
- What experience do you have with credit analysis or underwriting?
- What financial documents have you worked with (e.g., bank statements, financial statements, tax returns)?
- How do you handle and prioritize multiple credit files with different levels of complexity and urgency?
- Please record a 1-minute audio or video introducing yourself, including your background and experience. This will help us assess your English communication skills.