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 making decisions aligned with company policies. Your expertise in financial services, underwriting lifecycle, portfolio management, and risk assessment will be essential as you evaluate business financial statements, bank statements, and credit reports. You will collaborate closely with sales, data science, product management, and other stakeholders to ensure a seamless customer experience while mitigating financial risk.

Key Responsibilities
- Collect, review, and analyze applicants’ financial, demographic, and historical information, including balance sheets, income statements, cash flow statements, bank statements, and credit reports.
- Communicate directly with clients and sales teams regarding application status and documentation requirements.
- Clearly explain when additional documents are necessary to determine creditworthiness.
- Make timely and accurate decisions to approve, decline, or seek exceptions on applications based on policy guidelines.
- Manage the portfolio by identifying suspicious or questionable items and recommending actions.
- Suggest policy and process improvements to reduce potential failure points throughout the underwriting process.
- Perform detailed bank statement analysis, financial spreading, and risk ratio evaluations, culminating in comprehensive underwriting memos.

Required Qualifications
- 2-5 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.
- Familiarity with financial risk assessment fundamentals.
- Knowledge of U.S. compliance, lending, and regulatory frameworks such as KYC, Reg B, Reg Z, UDAAP, FCBA, and the Truth in Lending Act.
- Experience with both quantitative and qualitative financial analysis.
- Strong organizational and time management abilities.
- Proven competency 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, welcoming candidates from varied backgrounds, experiences, and perspectives. We are an equal opportunity employer committed to creating a supportive workplace. 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 candidates may be required to sign a non-compete agreement, except for lawyers, interns, or employees working in certain states where such agreements are prohibited. Terms of non-compete covenants will comply with applicable laws and industry standards.

All job openings correspond to current vacancies, and some interviews or training sessions may take place in person at one of Motive’s global offices.

Motive is proud to be recognized as a Forbes Cloud 100 company and a Forbes Best Startup Employer. We are dedicated to modernizing the trucking industry by providing innovative fleet management solutions that enhance safety, productivity, and profitability for nearly 100,000 customers across diverse industries.