Underwriter II

Kapitus•San Diego, CA

9h•Remote

About The Position

The Underwriter II is a key participant in the underwriting process which includes the analysis of credit reports, bank statements, and various other business documentation. This role involves analyzing personal credit reports, business bank statements, background checks, and other relevant business documents, as well as data gathering and research. The position offers exposure to deal flow in a variety of industries including retail, leisure, restaurants, hospitality, healthcare, manufacturers, media, technology, and construction. The Underwriter II will research, analyze, and provide background information on counterparties, communicate with sales organizations, sales managers, and merchants, and assist in the negotiation of transaction terms and credit structure. Responsibilities are subject to change to best suit the needs and interests of the business.

Requirements

Diploma required
Excellent verbal, written, and interpersonal communication skills
Strong sense of accountability
Detail oriented with strong analytical skills
Ability to evaluate industry trends, understand market dynamics and develop and defend recommendations
Strong organizational skills and ability to multi-task
Ability and desire to work in a rapid-paced environment
Experience achieving metric and quality performance
Working knowledge of Microsoft Suite
Knowledge of financial principles and processes
Experience with financial statement analysis
Knowledge of federal, state and local regulatory requirements
Effective at communicating clearly and adaptability
Experience with administrative tasks
Strong interpersonal skills and professionalism

Nice To Haves

college degree preferred

Responsibilities

Analysis of personal credit reports, business bank statements, background checks, and other relevant business documents, data gathering and research
Act as a key participant in the underwriting process which includes the analysis of credit reports, bank statements, and various other business documentation
Research, analyze and provide background information on counterparties
Communicate with sales organizations, sales managers, and merchants in both written and verbal form
Assist in the negotiation of transaction terms and credit structure

Benefits

Comprehensive medical, dental, and employer-paid vision plans through UnitedHealthcare (UHC), with various coverage levels available to meet the needs of our employees and their families.
Additional perks through UHC include: Sweat Equity, free subscription to the Calm App, UHC rewards, Real Appeal, and Quit For Life.
Flexible Spending Account: Set aside pre-tax dollars from your paycheck to pay for qualified out-of-pocket medical, dental, vision, pharmacy or dependent care expenses.
Lifestyle Spending Account: Employer sponsored post-tax benefits that allow reimbursement for expenses related to physical, mental and financial well-being.
100% Company Paid Insurances: Kapitus fully covers the cost of basic short-term and long-term disability insurance, as well as vision insurance, ensuring our employees have comprehensive protection without any personal expense.
Voluntary Insurance: Supplemental life insurance as well as enhanced short- and long-term disability coverage are available through Mutual of Omaha, providing additional security for our employees. Additionally, Colonial Accident and Hospitalization insurances are also available, offering further protection against unforeseen events.
Paid Maternity and Parental Leave: Beyond state-mandated leave policies, Kapitus provides company-paid maternity and parental leave, supporting our employees during important family milestones.
Commuter Benefits: We offer pre-tax benefits on parking and commuter expenses to cover travel to and from work.
LifeBalance Program: Enhance your lifestyle with our LifeBalance membership, which offers discounts on outdoor activities, the arts, health, and fitness. Additional benefits include: Pet and car insurance discounts. Financial services such as LegalShield. Relaxation and stress management tools.
Plum Benefits Discount Program: Access exclusive discounts on shows, travel, car rentals, and more, enriching your personal and family life.
Tuition Reimbursement: Pursue further education with up to $5,000 annually in tuition reimbursement, plus opportunities to attend relevant conferences and career development events. Managed through our LSA plan, Kapitus Academy.
Travel Reimbursement: We also offer travel reimbursement for all work-related travel, supporting your involvement in career and personal development activities.
Paid Time Off and Sick Time.
Retirement Benefits: Our 401K plan is managed through Fidelity. To support your long-term financial goals, the company provides a 25% match on your contributions, up to 6% of your annual salary.