Senior Underwriter

Expansion Capital Group • Sioux Falls, SD

21d • $30 - $32 • Onsite

About The Position

ECG provides financing solutions that help small businesses access the capital they need to grow. Our team specializes in efficient, non-traditional lending, balancing speed with strong credit discipline and a commitment to doing things the right way. We are looking for a Senior Underwriter to support our Underwriting team. This role is ideal for an experienced underwriter who enjoys evaluating complex lending opportunities, analyzing financial information, and making sound credit decisions. You'll play a key role by reviewing complex financing requests, partnering with internal teams, and helping ensure funding decisions are accurate, timely, and aligned with ECG's lending philosophy. If you're analytical, decisive, and motivated to make a meaningful impact, this is a strong opportunity. In this role, you'll independently evaluate credit requests, collaborate across departments, and help balance responsible lending with business growth.

Requirements

• Minimum of four years of underwriting experience making credit decisions in a financial services or lending environment
• Experience analyzing complex financial information and applying underwriting guidelines
• Strong analytical, mathematical, critical thinking, and decision-making skills
• Excellent verbal and written communication skills
• Strong organizational skills and attention to detail
• Ability to work independently while collaborating effectively across teams
• Proficiency with Microsoft Office and internet-based research tools

Nice To Haves

• Bachelor’s degree in business, Finance, Accounting, Economics, or a related field
• Experience underwriting small business, working capital, or commercial lending products
• Experience reviewing complex or exception-based underwriting scenarios
• Experience in alternative lending or fintech
• Knowledge of business financial statements, cash flow analysis, and commercial credit evaluation
• Experience mentoring or serving as a resource for junior underwriters or underwriting processing staff

Responsibilities

• Review and evaluate complex small business financing requests requiring manual underwriting
• Analyze financial information, credit profiles, supporting documentation, and risk factors
• Make independent credit decisions using established underwriting guidelines
• Evaluate exception-based lending scenarios while maintaining risk tolerances
• Review documentation for completeness, accuracy, and compliance prior to funding
• Generate contract requests and validate funding documentation
• Partner with Sales, Underwriting Processing, Merchant Support, and other teams
• Communicate professionally with merchants, referral partners, and lenders
• Resolve complex underwriting questions and funding scenarios
• Identify opportunities to improve underwriting quality and operational efficiency

Benefits

• Meaningful Impact: Make credit decisions that directly influence funding outcomes
• Challenging Work: Evaluate complex commercial lending opportunities
• Growth Potential: Continue developing your underwriting expertise
• Team Environment: Collaborative, fast-paced, and execution-focused
• Consistency: Monday–Friday schedule with predictable hours

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: Associate degree