Underwriter

Overview

The Underwriter will review, analyze and approve credit terms and credit limits for potential and existing commercial customers on applications presented by the Opco Sales Force at projected KPI levels. This role includes conducting regularly scheduled financial reviews of existing common‑ownership and multi‑unit concepts with large dollar A/R balances. Growth opportunities are available performing essential work to support America’s food distribution system. The organization offers a safe and inclusive working environment with a culture of rewards, recognition, and respect.

Responsibilities

• Approve credit terms and credit limits to potential and existing customers in accordance with established policy and procedures.
• Review completeness of submitted Credit Applications to ensure all sections are completed, signed and dated as required by the authorized individuals of each potential customer.
• Review personal credit reports and business credit reports as a component to determine creditworthiness.
• When applicable, request, review, and analyze year‑to‑date and previous fiscal year ending financial statements as a component to determine credit worthiness.
• Conduct credit reference checks with major suppliers as a component to determine creditworthiness.
• Approve terms and credit limits on new accounts.
• Maintain awareness of State and Federal regulations affecting credit approval practices.
• Prepare written Credit Evaluations on potential and existing customers, present findings, and make term and credit limit recommendations to Senior Management.
• Act as a resource to Opco staff to facilitate smooth onboarding of customers and make credit limit and term recommendations to the Corporate Director of Credit and Senior Leadership Team on material accounts.
• Work with Opco Credit Management staff on term change requests for existing customers and collaborate with Corporate and Opco Tax Departments to ensure appropriate tax documentation is obtained.

Qualifications

• Bachelor’s Degree in Accounting, Finance, Business, or equivalent.
• 1–3 years of credit approval experience, preferably in the food service industry.
• Ability to handle multiple tasks/projects simultaneously.
• Strong prioritization skills and ability to meet assigned deadlines.
• Proficiency in Microsoft Office (Outlook, Excel, PowerPoint, and Word).
• Professional written and verbal communication and interpersonal skills.
• Ability to make effective presentations to a variety of employee groups.
• Foodservice/distribution experience is a plus.

Benefits

• Competitive pay
• Day 1 Health & Wellness Benefits
• Employee Stock Purchase Plan
• 401(k) employer matching
• Education assistance
• Paid time off
• Growth opportunities within a critical food distribution system