Biz2Credit Inc.


3+ months agoNoida, India

EOE Statement

We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status or any other characteristic protected by law.


Responsibilities and Duties

  • Work with the Relationship Managers in structuring, analyzing and negotiating credit transactions
  • Responsible for full-cycle underwriting of assigned small business financing
  • Determine the ability of the client to repay financing based on analysis of the client's cash flow statements, tax returns, and other financial information
  • Perform detailed financial analysis on the small business, including trend and ratio analysis, and interpret the financial information to determine credit quality and cash flow adequacy
  • Perform credit analysis and financial statement analysis on co-owners, guarantors, and individuals to determine assets coverage for requested loan amounts
  • Coordinate with Relationship Managers regarding customer calls and site visits
  • Perform other due diligence as needed to determine the creditworthiness of a small business owner

Position Requirements

Qualifications and Skills

  • Required Bachelor's degree in finance, accounting, or similar discipline
  • Formal credit training preferred
  • 2+ years' experience working in a Merchant Cash Advance / financial institution underwriting small businesses; 2+ years in a commercial credit analyst or commercial underwriting role working with small businesses a plus
  • Strong analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry, and competitive analysis and projections
  • Proficient in various spreadsheet and word processing applications (Excel and Word are preferred) including the use of graphs/charts, and Moody's financial analysis software
  • Basic knowledge of credit principles, lending operations, loan research, and general credit policies
  • Team player with the ability to take the initiative
  • Detail-oriented, ability to work well under pressure and multi-task
  • Strong written and verbal communication skills
  • Problem recognition and resolution skills

Full-Time/Part-Time: Full-Time

Salary Range:

Position: Underwriter

Exempt/Non-Exempt: Exempt

Hiring Manager(s):

Open Date: 10/6/2020

About the Organization:
This position is currently accepting applications.

Client-provided location(s): Noida, Uttar Pradesh, India
Job ID: Biz2Credit-3223638