Senior Business Underwriter

Branch

9d•$105 - $115•Remote

About The Position

In this Senior Business Underwriter role at Branch, you will independently underwrite small, medium, and enterprise businesses seeking access to Branch’s products, including large, high-volume platforms. Your work plays a critical role in protecting Branch’s revenue, customers, and reputation by delivering clear, well-reasoned risk assessments that inform onboarding decisions and approval conditions. This role combines underwriting, KYB due diligence, fraud risk evaluation, and financial analysis in a fast-moving environment. As a senior individual contributor, you will influence portfolio performance, contribute to improving risk models and frameworks, and handle complex, ambiguous cases as the business and risk landscape evolve.

Requirements

Degree in analytics, business, accounting, economics, or finance
7+ years in finance, credit underwriting, consulting, commercial banking, private equity, analytics, or investment banking
Demonstrated experience underwriting SMB and enterprise businesses, including complex or non-traditional business models
Detail-oriented and trusted to operate independently with minimal supervision
Deep expertise in underwriting non-traditional borrowers using alternative data and judgment-based approaches
Proven ability to analyze business data and financial statements
Advanced proficiency in Google Sheets, including complex formulas and data manipulation; experience with Looker is a plus
Experience improving underwriting processes, risk frameworks, and/or credit models.
Strong analytical skills to break down complex problems
Exceptional communication skills, adept at obtaining necessary/sensitive information from Customers and responding to challenging queries from stakeholders
Working knowledge of applicable regulations related to KYB, AML, and consumer and business protection requirements (eg UDAP, UDAAP)
Experience operating in regulated environments and consistently aligning decisions with internal policies, SOPs, and risk standards
High professional maturity with strong ownership and accountability
Comfortable giving and receiving direct, candid feedback
Curious, open-minded, and committed to continuous learning
Adaptable and comfortable operating in evolving, fast-changing environments
Builder mindset with a desire to improve and iterate on how work gets done

Responsibilities

Conduct comprehensive KYB due diligence, including entity validation, ownership structures, and UBO analysis
Maintain working knowledge of applicable regulations related to KYB, AML, and business and consumer protection, incorporating requirements and best practices into decision-making
Independently underwrite SMB and enterprise customers, including complex corporate structures, large platforms, and non-traditional business models
Analyze financial data, including bank activity and financial statements, and alternative data sources to evaluate cash flow trends, sustainability, and key risk indicators
Make timely, defensible underwriting decisions in the presence of incomplete, noisy, or imperfect information
Recommend approvals, declines, or risk mitigations aligned with Branch’s risk appetite and regulatory requirements, clearly documenting rationale and communicating trade-offs to stakeholders
Monitor payback performance, identify payback failures or emerging risk trends, and support administrative teams in applying collection rules in accordance with established policies and procedures
Assist in building and improving underwriting processes, risk frameworks, and credit models to support scale
Support vendor integrations
Maintain exceptionally high standards for accuracy, thoroughness, and documentation quality across all work
Flex across the business to support team goals, taking on new problem areas or risk initiatives as needed