Senior Credit Underwriter – Nonprofit Lending

B Generous • Los Angeles, CA

6d • Remote

About The Position

About B Generous B Generous is a fast-growing VC-backed fintech company transforming access to capital for nonprofits and social enterprises. Backed by some of the leading VC funds, banks, and fintech investors from the United States, Asia and Europe, B Generous has built an advanced AI-powered lending marketplace and loan origination platform designed specifically for mission-driven organizations. Our platform helps nonprofits secure flexible financing solutions while enabling lenders to efficiently deploy capital into an underserved market. We support financings ranging from $25,000 to $50 million , secured against grants, receivables, donations, and future revenue streams. By combining cutting edge technology, machine learning and Generative AI, predictive analytics, and strong domain expertise, B Generous is redefining nonprofit finance in the United States. Joining B Generous offers the rare opportunity to work at the intersection of fintech, finance, and social impact, while helping organizations access the capital they need to grow their missions. Position Overview We are seeking a highly analytical and detail-oriented Senior Credit Underwriter – Nonprofit Lending to evaluate nonprofit borrowers, assess repayment capacity, identify risk factors, and support financing recommendations across multiple lending partners. This role is ideal for someone with strong financial analysis skills who understands that nonprofit underwriting differs from traditional commercial lending and can evaluate both financial resilience and operational sustainability. The successful candidate will work closely with leadership, lenders, and borrowers to support transaction structuring and credit decision-making.

Requirements

• 5-8+ years of relevant experience in: Commercial lending Credit analysis SBA underwriting Nonprofit lending Specialty finance CDFI underwriting
• Strong financial statement analysis skills
• Ability to interpret nonprofit financials and Form 990 filings
• Strong Excel or Google Sheets capability
• Clear written and verbal communication
• Ability to manage multiple active opportunities simultaneously
• Comfortable working independently in a remote environment
• Ability to use Docusign, Salesforce, standard LOS systems (lending origination systems)

Nice To Haves

• Experience working with nonprofits, social enterprises, or mission-driven borrowers
• Familiarity with nonprofit accounting and revenue structures
• Exposure to lending platforms, fintech, or private credit environments
• Clear and reasoned judgment when presenting a credit decision, which must be defensible
• Strong attention to detail
• Proactive and ambitious
• Analytical mindset
• Clear and decisive communicator – communicate often and openly
• Comfortable in a fast-growth environment
• Able to manage multiple concurrent transactions without sacrificing analytical quality
• Comfortable multitasking

Responsibilities

• Credit Analysis & Underwriting Analyze borrower financial information, including: Audited financial statements IRS Form 990 filings Internal management reports Budgets and financial forecasts
• Assess key credit indicators including: Liquidity Unrestricted net assets Operating performance Debt service capacity Revenue concentration Donor dependency Grant timing exposure Net Income trends
• Calculate and interpret: Debt service coverage ratios Days cash on hand Working capital trends Leverage ratios Operating reserves
• Transaction Support Evaluate financing requests for: Working Capital Term loans Bridge loans Lines of credit Receivables-backed facilities Revenue-based financing products
• Structure Term Sheets which include Loan amount Term Rates Repayment structure Collateral requirements Covenant considerations
• Credit Memo Preparation Prepare concise underwriting summaries and credit memoranda for: Internal review Lender presentation Credit discussions
• Risk Identification Assess and highlight: Revenue volatility Sector exposure Concentration risk Management considerations Liquidity pressure points
• Lender Coordination Support matching borrower opportunities with lender appetite across: Banks Credit unions CDFIs Private credit partners

Benefits

• Competitive base salary
• Performance-based annual discretionary bonus
• Equity in the company (note: we are a post Series A company with a valuation of over $40 Million)
• Fully remote work environment
• Flexible working hours
• Unlimited PTO (subject to company policies) )
• Health, dental, and vision insurance
• Company philanthropic match up to $1,000 annually
• Growth opportunities within a rapidly expanding fintech company

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed