Senior Underwriter

Job Opportunity At Ecapital

At eCapital, we are on a mission to ignite growth and empower businesses across North America and the U.K. by accelerating their access to capital. Our expertise and forward-thinking technology create customized, cutting-edge solutions for clients in over 80 industries. To continue to innovate and find better solutions for our company and clients, we need bright minds, enthusiastic advocates, and savvy industry professionals. By joining our team, you will have the opportunity to unleash your potential, challenge yourself, and experience a rewarding culture with competitive salaries and unique employee benefits. Are you ready to make an impact and help us shape the future of finance?

Purpose

To coordinate the client take on, underwriting and closing processes to ensure a timely and expeditious execution of a new business transaction in line with client's expectations. To champion the Risk Framework and its adoption with the business unit. To ensure the underwriting process is effected within the parameters of the Risk Framework processes in a manner that protects our security position. To represent the interests of their company internally and externally To implement and maintain excellent standards of customer service

Responsibilities

Coordinate and analyze results of due diligence searches, audits, and background reports Where appropriate and in support of the new business staff and / or senior management meet and / or interview the prospective client's management team onsite. Collate and review prospective client's historical and projected financial statements, cash flows, availability of collateral value ensuring accurately reflected in Sanction Request. Identify critical transactional / structural risks and communicate issues to senior management Completion of the Sanction Request in compliance with the Risk Framework in collaboration with the Sales Team member. Facilitate the effective hand over of new client to Operations staff servicing the facility Coordinate internally and externally; including with third-parties such as existing lenders, partner lenders, appraisers, outside counsel and industry consultants bringing in senior management at the appropriate time. Support networking activities as needed. Undertake project work as required by the local and / or group companies. Coordinate the initial funding of transactions including the closing / reconciliation of good faith deposits and the preparation of funding documentation and memo's. To ensure that best practice is both shared and implemented within their operating company

Competencies

Proven ability to review collateral, financial performance and projections. High attention to detail. Organizational skills essential. Strong skills regarding transaction structuring. High level of familiarity with documentation specific to Factoring facilities. Ability to build internal and external relationships. Work in a fast-moving team environment. Must be able to manage several projects in varying stages at the same time. Must be able to take ownership / responsibility of work product. Ability to present with professionalism and confidence to external committees, stakeholders, and investors. Consistent and timely follow up essential to Team / Sales / Mgmt; etc Strong oral and written communication skills

Qualifications

Undergraduate degree in finance or other business-related field preferred or undergraduate degree supplemented with relevant work experience. Minimum 5 years of experience as an Underwriter. Background in Factoring required.

We Bring

Competitive Compensation Annual Bonus Incentives Remote / Hybrid Work PTO Health, Dental, and Life Benefits 401k Matching Abundant professional development opportunities at a growing and thriving Fintech company! eCapital Culture : At eCapital, we're not just a funding providerwe're a strategic partner built for what's next. Our culture is defined by innovation, scalability, and personalized service. We value : Agility : We adapt quickly to changing market conditions and customer needs. Relationships : We put our clients' needs at the center of everything we do, and we believe the best results come from diverse teams working together. Accountability : We hold ourselves to the highest standards in all aspects of our work. Innovation : We constantly push boundaries to create better solutions for our clients. We offer a dynamic work environment where you'll have the opportunity to make a significant impact on our business and the SMBs we serve. Join us in revolutionizing how businesses access and manage capital in the digital age. eCapital values diverse experiences and backgrounds. We encourage all qualified candidates to apply, regardless of race, color, religion, gender, sexual orientation, national origin, genetics, disability, age, or veteran status.