Credit Underwriting Manager, Commercial

Who we are:

Motive empowers the people who run physical operations with tools to make their work safer, more productive, and more profitable. For the first time ever, safety, operations and finance teams can manage their drivers, vehicles, equipment, and fleet related spend in a single system. Combined with industry leading AI, the Motive platform gives you complete visibility and control, and significantly reduces manual workloads by automating and simplifying tasks.

Motive serves more than 120,000 customers – from Fortune 500 enterprises to small businesses – across a wide range of industries, including transportation and logistics, construction, energy, field service, manufacturing, agriculture, food and beverage, retail, and the public sector.

Visit gomotive.com to learn more.

About the Role:

As an experienced underwriting manager, you will be responsible for underwriting large commercial clients, contributing to the development, execution, and maintenance of strategies and policies that enable growth while managing risk for middle market and enterprise clients. You should have significant experience underwriting large deals exceeding $1M, perform ratio analysis, financial analysis, end-to-end underwriting lifecycle, and risk assessment in a fintech environment. 

You’ll help design and build scalable processes that mitigate risk from new and existing customers. The successful candidate will work closely with members of our sales, data science, product management, and other stakeholders to deliver best in class customer experience.

What You'll Do:

• Perform financial analysis, account analysis, industry analysis, and administrative responsibilities related to onboarding new and existing clients
• Help develop and implement policy, procedures, and standards that reduce risk during the underwriting process
• Conduct in-depth bank & financial statement analysis for middle market and enterprise clients, including preparing credit memorandums for approval by head of risk
• Perform ongoing portfolio management, identify emerging risk trends, and provide recommendations 
• Underwrite large Commercial Clients ($1M+)

What We're Looking For:

• 5+ years of experience in underwriting in a high-growth payments or fintech company
• Enterprise level experience working on unsecured credit products (credit card product a strong plus)
• Subject matter expert level underwriting and management of large enterprise sized clients in the lending or card space
• Experience building out underwriting policies from scratch
• Possess strong written, verbal, and presentation skills to communicate effectively across a variety of audiences
• Advanced background working with and drawing conclusions from quantitative and qualitative data
• Comfortable with ambiguity and able to self-manage to ensure highest-priority work is completed
• Must be able to manipulate large amounts of data, extract key insights, and clearly and concisely communicate actionable recommendations based upon your findings

Pay Transparency
Your compensation may be based on several factors, including education, work experience, and certifications. For certain roles, total compensation may include restricted stock units. Motive offers benefits including health, pharmacy, optical and dental care benefits, paid time off, sick time off, short term and long term disability coverage, life insurance as well as 401k contribution (all benefits are subject to eligibility requirements). Learn more about our benefits by visiting Motive Perks & Benefits.

The compensation range for this position will depend on where you reside. For this role, the compensation range is:

Creating a diverse and inclusive workplace is one of Motive's core values. We are an equal opportunity employer and welcome people of different backgrounds, experiences, abilities and perspectives. 

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The applicant must be authorized to receive and access those commodities and technologies controlled under U.S. Export Administration Regulations. It is Motive's policy to require that employees be authorized to receive access to Motive products and technology. 

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