Underwriting Analyst (Hybrid)

Enova International • South Jordan, UT

9h • $22 - $24 • Hybrid

About The Position

Underwriting Analysts are individual contributors responsible for reviewing, underwriting, and creating the credit decision for term and revolving credit products for the SMB market. The successful candidate will be responsible for reviewing financial and credit data to assess credit risk, determining sources of repayment, and creating appropriate loan structures. Additionally, the candidate will ensure compliance with regulations, policy & procedures to mitigate loss, delinquency and overall risk.

Requirements

• Undergraduate degree in finance, business or related field
• 0-1 years of commercial lending, credit, or similar processing experience
• Strong basic math and data entry skills
• Ability to manage multiple tasks and prioritize workflows
• Excellent oral and written communication skills with a demonstrated commitment to delivering high quality and effective customer service experiences
• Ability to exercise sound, professional judgment with independent decision making and a high level of discretion.
• Demonstrated experience in working with broad cross-functional teams.
• Detail oriented, logical, and methodological approach to problem solving.

Responsibilities

• Underwrite small business loan applications and account reviews by combining your commercial lending experience and Enova’s sophisticated technology and analytics solutions
• Evaluate credit worthiness by preparing underwriting documentation and present approvals and appropriate loan structure to underwriting leadership
• Analyze application data including tax returns, financial statements, bank statements, as well as business and personal credit reports
• Adhere to all applicable lending policies, procedures, and regulatory compliance
• Meet key performance indicators to ensure the effectiveness and quality of the team and processes
• Evaluate and provide recommendations for policy exceptions

Benefits

• Health, dental, and vision insurance including mental health benefits
• 401(k) matching plus a roth option (U.S. Based employees only)
• PTO & paid holidays off
• Sabbatical program (for eligible roles)
• Summer hours (for eligible roles)
• Paid parental leave
• DEI groups (B.L.A.C.K. @ Enova, HOLA @ Enova, Women @ Enova, Pride @ Enova, South Asians @ Enova, APEX @ Enova, and Parents @ Enova)
• Employee recognition and rewards program
• Charitable matching and a paid volunteer day…Plus so much more!

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level