Risk Analyst I

Motive is seeking an experienced underwriting professional to join our Risk Management team. In this role, you will assess the financial risk of new and existing customers by reviewing applications and financial documents, making decisions aligned with company policies. You will collaborate closely with sales, data science, product management, and other stakeholders to ensure a seamless and efficient underwriting process. This position requires strong expertise in financial services underwriting, portfolio management, bank statement analysis, and risk assessment, with a focus on delivering timely and accurate decisions that mitigate financial risk.

Key Responsibilities
- Collect, review, and analyze applicants’ financial, demographic, and historical information, including business financial statements (balance sheets, income statements, cash flow statements), bank statements, and credit reports.
- Communicate directly with clients and sales teams regarding application status and requirements.
- Clearly explain when additional documentation is necessary to evaluate a client’s creditworthiness.
- Make informed decisions to approve, decline, or seek exceptions on applications based on established policy guidelines.
- Ensure quality decision-making within expected service level agreements (SLAs).
- Manage and monitor underwriting portfolios, identifying suspicious or questionable items.
- Recommend improvements to policies and processes to reduce potential risks throughout the underwriting lifecycle.
- Perform detailed bank statement analysis, financial spreading, and risk ratio evaluations, culminating in comprehensive underwriting memos.

Required Qualifications
- 2 to 5 years of underwriting experience within financial services, high-growth payments, or fintech environments.
- Strong critical reasoning, problem-solving, and analytical skills.
- Ability to work independently while thriving in a collaborative team setting.
- Excellent oral and written communication skills.
- Solid understanding of financial risk assessment fundamentals.
- Familiarity with U.S. compliance, lending, and regulatory frameworks, including KYC, Regulation B, Regulation Z, UDAAP, FCBA, and the Truth in Lending Act.
- Experience conducting both quantitative and qualitative financial analyses.
- Strong organizational and time management abilities.
- Proven expertise in bank-based and financial underwriting.
- Highly motivated, reliable, and proficient in mathematics and financial spreading techniques.

Preferred Qualifications and Additional Information
Motive values diversity and inclusion and is committed to creating a workplace that welcomes individuals from varied backgrounds, experiences, and perspectives. We are an equal opportunity employer. Candidates must be authorized to access commodities and technologies controlled under U.S. Export Administration Regulations, as employees require access to Motive’s products and technology.

For U.S.-based roles, some positions may require signing a non-compete agreement, subject to state laws and exceptions. Interviews and training sessions may be conducted in person at one of our global offices.

Motive is proud to serve nearly 100,000 customers across industries such as transportation, logistics, construction, energy, manufacturing, agriculture, retail, and the public sector. As a Forbes Cloud 100 company and recognized Best Startup Employer, we are dedicated to modernizing the trucking industry through innovative fleet management solutions powered by AI.

To learn more about Motive and our mission, please visit our website.