Risk Analyst I

Motive is seeking an experienced underwriting professional to join its 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 to evaluate applications, mitigate risk, and ensure timely, accurate decisions. You will collaborate closely with sales, data science, product management, and other stakeholders to deliver an exceptional customer experience.

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.
- Clearly explain when additional documentation is required to assess creditworthiness.
- Make decisions to approve, decline, or seek exceptions on applications based on policy guidelines.
- Ensure quality decision-making within expected service level agreements (SLAs).
- Manage the portfolio by identifying suspicious or questionable items.
- Recommend policy and process improvements to reduce potential underwriting failures.
- Perform bank statement analysis, financial spreading, risk ratio analysis, and prepare underwriting memos.

Required Qualifications
- 2 to 5 years of underwriting experience in 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 fundamentals of financial risk assessment.
- 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 analysis.
- Strong organizational and time management abilities.
- Proven competency in bank-based and financial underwriting.
- Highly motivated, reliable, and skilled in mathematics and financial spreading.

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

For U.S.-based roles, some candidates may be required to sign a non-compete agreement, subject to applicable state laws and exceptions. Interviews and new-hire training may take place in person at one of Motive’s global offices.

Motive is a leading fleet management platform dedicated to modernizing the trucking industry by integrating safety, operations, and finance teams into a single system powered by advanced AI. Serving nearly 100,000 customers across diverse industries, Motive is recognized as a Forbes Cloud 100 company and a Forbes Best Startup Employer.

To learn more about Motive and its mission to transform physical operations through technology, visit gomotive.com.