Equipment Finance Undewriter

At CAN Capital, we help small businesses access the capital they need to grow. We’re looking for an experienced Equipment Finance Business Underwriter who thrives on making smart, sound credit decisions and enjoys partnering with Sales, Operations, and Credit teams to move deals forward.If you’re energized by analyzing complex financials, exercising strong judgment, and playing a critical role in funding transactions that help businesses succeed, this role is for you.ResponsibilitiesAs an Equipment Finance Business Underwriter, you’ll evaluate credit applications from businesses seeking equipment financing, balancing risk and opportunity while ensuring compliance with CAN Capital’s credit policies. You’ll underwrite both straightforward and complex transactions, including larger deals, and provide clear, well-documented recommendations.Key responsibilities include:Assessing the creditworthiness of prospective business customers using commercial and consumer credit reports, financial statements, tax returns, and supporting documentationAnalyzing borrower financial performance through financial spreading, ratio analysis, industry comparisons, and guarantor strengthReviewing equipment invoices, quotes, purchase agreements, and vendor documentation to validate transaction structure and legitimacyIdentifying gaps in application packages and clearly communicating next steps to internal and external partnersDetermining appropriate terms and conditions while adhering to credit policies and approved authority levelsSupporting the funding process by coordinating with Sales, Operations, and other partners to ensure complete and accurate merchant packagesDocumenting underwriting decisions in a clear, concise, and audit-ready manner—especially for larger or more complex transactionsManaging workload effectively to meet productivity targets, turnaround times, and service level expectationsStaying informed on market trends, competitive dynamics, and evolving business needsProviding underwriting insight and recommendations to cross-functional partners, including Collections and OperationsQualifications3–5 years of commercial underwriting experience (equipment finance experience strongly preferred)Bachelor’s degree preferred (or equivalent relevant experience)Strong experience reviewing and interpreting business and personal financial statements, including tax returns and P&LsAbility to analyze consumer credit reports from Experian, Equifax, and TransUnionProven experience making risk-based credit decisions within an authority frameworkExceptional attention to detail with a commitment to accuracy and qualityClear, confident written and verbal communication skillsStrong organizational, problem-solving, and time-management abilitiesComfortable working in a fast-paced, production-driven environmentExperience with Salesforce and/or LeaseWorks is a plusAbility to handle sensitive and confidential information with discretionWillingness to work full-time onsite in our St. Louis office, with occasional schedule flexibility as neededIf you are an experienced commercial underwriter who enjoys digging into the details, exercising sound judgment, and making a real difference, we’d love to hear from you.Ready to love where you work?At CAN Capital, we believe your career should come with more than just a paycheck—it should bring purpose, flexibility, and benefits that truly matter. Be part of a collaborative, growth-oriented team where your expertise directly impacts business success.From a fun, high-energy culture to day-one health coverage and a 401(k) with company match, we’ve built an environment where your growth, health, and engagement come first.✅ Day-one health benefits✅ Generous PTO and Holidays✅ 401(k) with company match✅ Comprehensive health and financial protection coverage for you & your familyJoin us and experience a culture built on energy, collaboration and leadership that values team members.