Senior Credit Underwriter

Company DescriptionAt Idea Financial, we empower businesses by providing fast and flexible financing solutions, including revolving lines of credit and working capital loans. Trusted by business owners across diverse industries, we pride ourselves on offering personalized support, transparent terms, and competitive rates. Our streamlined application process helps businesses access funds efficiently with minimal hassle. Whether for expansion, covering daily operations, or managing cash flow gaps, Idea Financial serves as a reliable partner in business growth.Role DescriptionThis is a full-time, on-site or remote role based in Miami, FL. As a Credit Underwriter, you will evaluate credit requests, assess financial documents, and make decisions in alignment with organizational risk policies. You will perform detailed analyses of creditworthiness, financial statements, and loan applications while collaborating with internal teams. An essential part of the role is effectively communicating underwriting decisions with team members and stakeholders.QualificationsProficiency in Credit Underwriting and experience in financial evaluationStrong Analytical Skills and familiarity with assessing creditworthinessUnderwriting expertise, particularly in loan productsExcellent Communication skills, both written and verbalKnowledge of financial systems and tools with attention to detailAbility to work collaboratively in an on-site environmentBachelor's degree in Finance, Business Administration, or a related field is preferredExperience in the financial services industry is a plusWhat we offer:A challenging and rewarding early-stage startup opportunity with unlimited growth potentialA beautiful open-concept office space in the heart of downtown Miami - walking distance from public transit and a variety of local restaurants and cafesA fun, friendly, and talented team that is passionate about financial technology and helping small businesses succeedGenerous benefits and perks including a matching 401K plan, medical, dental, unlimited snacks, flexible vacation policy, casual dress, free gym membership, team lunches, and activitiesIdea Financial is an equal opportunity employer. At Idea Financial, we make all employment decisions without regard to sex, sexual orientation, gender identity, race, color, religion, age, national origin, pregnancy, citizenship, disability, service in the uniform services, or any other classification protected by federal, state, or local law.