Underwriting Analyst

About World Business Lenders About Us World Business Lenders (WBL) provides short-term, real estate–collateralized commercial loans to small and medium-sized businesses across the United States that do not have access to traditional financing. The company also services its own loan portfolio and those of third parties, with a focus on managing non-performing loan pools and REO. - WBL is a U.S.-based company with a fully remote workforce. - Working hours are 9:00am–6:00pm Eastern Time, Monday through Friday. - The role requires strong spoken and written English. - All resumes must be submitted in English. Overview - The role requires near-zero errors in credit sheets and CRM data entry, basic product knowledge, effective inter-departmental communication, and a solid understanding of underwriting concepts and internal guidelines. Job Duties and Responsibilities - Get credit analysis ready to help support well-informed credit recommendations. - Review business bank statements, financial statements, tax returns, and cash flow statements to perform thorough investment analyses. - Work on structuring and underwriting complex credit applications, balancing profitability goals with risk guidelines. - Create financial models that help analyze both individual loan performance and overall portfolio health. - Make sure all loan applications are underwritten following WBL’s underwriting guidelines, policies, and procedures. - Prepare underwriting forms (using Excel) and Loan Approval forms for review, ensuring all information is complete and accurate. Requirements Education: - Bachelor’s degree or equivalent experience demonstrating relevant proficiency. Experience: - At least 2 years of experience in underwriting, credit analysis, lending, or banking - Experience with financial analysis or structured credit work is a big plus. Preferred Background / Industry Experience - Lending Industry - Banking Sector Specific Technical Skills Needed - Intermediate MS Excel proficiency - Ability to analyze: - Financial statements (P&L, balance sheet, cash flow) - Bank statements - Tax returns - Basic financial modeling capability - Understanding of credit underwriting principles Specific Soft Skills Needed - Strong analytical mindset - High attention to detail - Stress tolerance - Self-learner / ability to work independently Benefits - Enjoy Paid Time Off (PTO) to recharge - Salary paid in USD - Work comfortably 100% from home