Underwriting Analyst

World Business Lenders (WBL) is a U.S.-based company specializing in short-term, real estate–collateralized commercial loans for small and medium-sized businesses across the United States that lack access to traditional financing. The company also manages its own loan portfolio as well as those of third parties, focusing on non-performing loan pools and real estate owned (REO) assets. WBL operates with a fully remote workforce, maintaining standard working hours from 9:00 am to 6:00 pm Eastern Time, Monday through Friday. This role requires strong spoken and written English skills, and all applications must be submitted in English.

Key Responsibilities
- Prepare credit analysis materials to support well-informed credit recommendations.
- Review and analyze business bank statements, financial statements, tax returns, and cash flow statements to conduct thorough investment assessments.
- Structure and underwrite complex credit applications, balancing profitability objectives with risk management guidelines.
- Develop financial models to evaluate individual loan performance and overall portfolio health.
- Ensure all loan applications comply with WBL’s underwriting guidelines, policies, and procedures.
- Prepare underwriting documentation and Loan Approval forms using Excel, ensuring accuracy and completeness of all information.
- Maintain near-zero error rates in credit sheets and CRM data entry.
- Facilitate effective communication across departments to support underwriting processes.

Required Qualifications
- Bachelor’s degree or equivalent experience demonstrating relevant proficiency.
- Minimum of 2 years’ experience in underwriting, credit analysis, lending, or banking.
- Proficiency in analyzing financial statements, including profit and loss, balance sheets, and cash flow statements.
- Experience reviewing bank statements and tax returns.
- Intermediate skills in Microsoft Excel, including basic financial modeling capabilities.
- Solid understanding of credit underwriting principles and internal guidelines.
- Strong analytical mindset with high attention to detail.
- Ability to work independently, demonstrating self-learning capabilities and stress tolerance.

Preferred Qualifications and Benefits
- Prior experience in the lending industry or banking sector is highly desirable.
- Experience with financial analysis or structured credit work is a significant advantage.
- This position offers the flexibility of working 100% remotely from home.
- Salary is paid in U.S. dollars.
- Paid Time Off (PTO) is provided to support work-life balance and personal recharge.

World Business Lenders values precision, professionalism, and a proactive approach to underwriting and credit analysis. Candidates who thrive in a remote work environment and possess a strong foundation in credit evaluation and financial analysis will find this role rewarding and impactful.