Underwriting Analyst - Remote
关于世界商业贷款人 我们的世界商业借款人 (WBL) 为美国中小企业提供短期，房地产附加商业贷资金。这些企业还没有获得传统融资。该公司还提供了自己的贷款组合和第三方的贷款组件，重点是管理不成绩的贷款池和 REO. · WBL 是一家总部位于美国的公司，拥有完全远程工作人员。· 工作时间是9:00am-6:00pm 东方时间，周一至星期五。· 该职位需要强有口头和书面英语。· 所有简历必须以英语提交。概述 · 职责要求信用表和 CRM 数据输入中几乎零错误，基础产品知识，有效的部门间沟通以及对承担理念和内部指南的坚实的理解。工作责任与责任 ·准备好进行信用分析以支持有充分信息的信贷建议。·审查企业银行报表，财务报表，税收申报表和现金流出报告来执行全面的投资分析。·研究结构化和承担复杂的信贷应用程序，平衡利目标与风险指导方针。·创建帮助分析个人贷款绩效和整体投资组合健康的金融模型。· 确保所有贷款申请都按照 WBL 的承销指南，政策和程序进行承销。· 准备承销表格 （使用 Excel）和贷款批准表格进行审查，以确保所有信息是完整和准确的。要求教育：· 学士学位或相当经验证明相关能力。经验：· 至少2年的承销，信用分析，贷款或银行业务经验；• 财务分析或结构化信贷工作经验是一个大优势。优先背景/行业经验 · 借贷行业 · 银行业特定技术技能需要 · 中级 MS Excel 学历 · 分析的能力：· 财务报表 （P&L,资产负债表，现金流）· 银行报表 · 税收申报表 ·基本的金融建模能力 · 了解信用保证原则需要特殊软技能 ·强大的分析思维 ·高度关注细节 ·耐受压力 · 自学/独立工作的能力 福利 ·享受付费休息时间 (PTO) 重充 · 美元支付工资 · 从家开始100%舒适地工作
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About World Business Lenders About Us
World Business Lenders (WBL) provides short-term, real estate–collateralized commercial loans to small and medium-sized businesses across the United States that do not have access to traditional financing. The company also services its own loan portfolio and those of third parties, with a focus on managing non-performing loan pools and REO.
- WBL is a U.S.-based company with a fully remote workforce.
- Working hours are 9:00am–6:00pm Eastern Time, Monday through Friday.
- The role requires strong spoken and written English.
- All resumes must be submitted in English.
Overview
· The role requires near-zero errors in credit sheets and CRM data entry, basic product knowledge, effective inter-departmental communication, and a solid understanding of underwriting concepts and internal guidelines.
Job Duties and Responsibilities
- Get credit analysis ready to help support well-informed credit recommendations.
- Review business bank statements, financial statements, tax returns, and cash flow statements to perform thorough investment analyses.
- Work on structuring and underwriting complex credit applications, balancing profitability goals with risk guidelines.
- Create financial models that help analyze both individual loan performance and overall portfolio health.
- Make sure all loan applications are underwritten following WBL’s underwriting guidelines, policies, and procedures.
- Prepare underwriting forms (using Excel) and Loan Approval forms for review, ensuring all information is complete and accurate.
Requirements
Education:
· Bachelor’s degree or equivalent experience demonstrating relevant proficiency.
Experience:
- At least 2 years of experience in underwriting, credit analysis, lending, or banking
- Experience with financial analysis or structured credit work is a big plus.
Preferred Background / Industry Experience
- Lending Industry
- Banking Sector
Specific Technical Skills Needed
- Intermediate MS Excel proficiency
- Ability to analyze:
- Financial statements (P&L, balance sheet, cash flow)
- Bank statements
- Tax returns
- Basic financial modeling capability
- Understanding of credit underwriting principles
Specific Soft Skills Needed
- Strong analytical mindset
- High attention to detail
- Stress tolerance
- Self-learner / ability to work independently
Benefits
· Enjoy Paid Time Off (PTO) to recharge
- Salary paid in USD
- Work comfortably 100% from home
Originally posted on Himalayas