Senior Underwriter - Sandy, UT

About the role

This role is ideal for an experienced underwriter who enjoys evaluating complex lending opportunities, analyzing financial information, and making sound credit decisions. You'll play a key role by reviewing complex financing requests, partnering with internal teams, and helping ensure funding decisions are accurate, timely, and aligned with ECG's lending philosophy.

Responsibilities

• Review and evaluate complex small business financing requests requiring manual underwriting
• Analyze financial information, credit profiles, supporting documentation, and risk factors
• Make independent credit decisions using established underwriting guidelines
• Evaluate exception-based lending scenarios while maintaining risk tolerances
• Review documentation for completeness, accuracy, and compliance prior to funding
• Generate contract requests and validate funding documentation
• Partner with Sales, Underwriting Processing, Merchant Support, and other teams
• Communicate professionally with merchants, referral partners, and lenders
• Resolve complex underwriting questions and funding scenarios
• Identify opportunities to improve underwriting quality and operational efficiency

Requirements

• Minimum of four years of underwriting experience making credit decisions in a financial services or lending environment
• Experience analyzing complex financial information and applying underwriting guidelines
• Strong analytical, mathematical, critical thinking, and decision-making skills
• Excellent verbal and written communication skills
• Strong organizational skills and attention to detail
• Ability to work independently while collaborating effectively across teams
• Proficiency with Microsoft Office and internet-based research tools

Qualifications

Preferred Experience includes:

• Experience underwriting small business, working capital, or commercial lending products
• Experience reviewing complex or exception-based underwriting scenarios
• Experience in alternative lending or fintech
• Knowledge of business financial statements, cash flow analysis, and commercial credit evaluation
• Experience mentoring or serving as a resource for junior underwriters or underwriting processing staff

Skills

Strong candidates typically have experience in:

• Commercial or small business underwriting
• Financial analysis and credit decision-making
• Manual underwriting and exception-based lending
• Working in banking, lending, or financial services
• Collaborating across departments to support funding decisions

Benefits

In-office role based in Sioux Falls, SD or Sandy, UT

Professional office environment with a collaborative team atmosphere

Pay

Compensation: $33.60 - $36.00 / hour DOE

Schedule

Monday–Friday schedule with predictable hours