Senior Underwriting Analyst

Upgrade is a fintech company that provides affordable and responsible credit, mobile banking, and payment products to everyday consumers. We were the fastest growing company in the Americas last year according to the Financial Times and Upgrade Card was the fastest growing credit card in America two years in a row. We have delivered over $25 billion in affordable and responsible credit to our 2.7M customers. The company is backed by some of the most prominent technology investors and was recently valued at $6.3B. We have built an energizing, collaborative and inclusive culture where team members help each other, learn and innovate to move the company and its customers in the right direction, and own the outcome of their efforts. Upgrade has been named a “Best Place to Work in the Bay Area” three years in a row, “Top Companies to work for in Arizona” and one of the "Best Engineering Department" awarded annually by Comparably. We've also received recognition for being a best company for Diversity, Women, Culture, and Veterans. We are looking for new team members who get excited about designing and delivering new and better products to join a team of 1600 talented and dedicated professionals. Come work with us if you like to tackle big problems and make a meaningful difference in people's lives.   About the Role: The Senior Underwriting Analyst will have the prime responsibility for job duties relating to the risk of merchant accounts and will assist in answering questions from other agents when the supervisor is not available. The Sr Underwriting Analyst will work closely with their Sr Manager of Underwriting- Merchant account to use their analytical expertise to review risk exposure on more complex review for both new and existing merchants. They will work closely with the Risk, Portfolio Monitoring, and Credit Strategy teams as well as the Sales team In addition, the Sr Analyst will share feedback regarding process improvements and / or training and skill development opportunities with the underwriters based on QA reviews.   What You’ll Do: Utilizing credit tools, techniques and data analytics to perform merchant reviews Analyze merchants using year end and interim financial statements including balance sheet, income statements and financial ratios  Investigate merchants over threshold and determine appropriate values based on risk review Work closely with Risk, Portfolio Monitoring and Credit Strategy on high risk merchants concerns Collaborate with Sponsors and Partners  on issues on new or existing merchants  Assist in the Quality control review process to ensure quality standards are being met by the Underwriting specialists Determine updated procedures and policies as needed for areas of change as new Risk issues are pointed out Assist in manual tasks as needed (e.g. pulling daily lists, metrics, etc.) Work closely with leaders and colleagues in the department to bring to light possible areas of opportunity for agent growth Be open minded and flexible with constant changes to process What We Look For: Minimum of 5 years of experience as a Commercial Credit Analyst BA/BS or higher highly preferred In-depth knowledge of financial analysis techniques, credit risk assessment, and industry best practices Attention to detail and high level of accuracy in analyzing and interpreting financial data Proven track record of successful credit analysis and risk assessment in a similar role Demonstrated ability to work effectively within a team and collaborate with cross-functional stakeholders Ability to work independently and manage multiple priorities in a fast-paced, deadline-driven environment Excellent written and verbal communication skills, with the ability to present complex financial information in a clear and concise manner Ability to prioritize with strong organizational skills Proficient with Excel, Word, and Outlook Team player, proactive approach to helping other team members Proven ability to remain positive during stressful situations What We Offer You:  Competitive salary and stock option plan 100% paid coverage of medical, dental and vision insurance  Flexible PTO Opportunities for professional growth and development  Paid parental leave Health & wellness initiatives   We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.