Underwriter

US - Remote

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Emburse

Optimize expense management, AP automation, and global B2B payment solutions for your business or organization with Emburse.
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At Emburse our mission is to help make our users’ lives -- and their businesses – better. We are dramatically transforming how organizations manage corporate expenses and invoices. We humanize work by automating manual tasks and saving users’ time, so they can focus on what matters most -- their family, community, or more rewarding work. We help CFO's give their employees a simple and amazing experience while ensuring compliance and reducing costs. Our solutions are tailored for companies from start-ups to enterprises. We have more than 16,000 clients and 9 million users globally.
Emburse has offices across North America, including Los Angeles, Montreal, Portland (ME), San Diego, San Francisco, and Toronto, as well as locations in the UK, Germany, Spain, and Australia.
Our core values - Sincerity, Empathy, Empowerment, Individuality, and Teamwork - reflect who we are as a company. They are central to the decisions we make and the interactions we have with our teams, customers, and partners. As a people-focused company, we are seeking candidates who align with our values.
Emburse is a proud recipient of a 2020 Tech Cares Award from TrustRadius and a 2020 IDC SaaS CSAT Award for Travel and Expense. These awards celebrate companies that have gone above and beyond to provide their communities, clients, and front-line workers with support during the COVID-19 pandemic. We are a people-first company, and this award is a testament to our mission to humanize work.
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The Underwriter is responsible for determining credit risk for clients related to the Emburse credit product.

What You'll Do:

  • Underwrite business credit card deals by evaluating both quantitative and qualitative data, ensuring credit worthiness 
  • Ensure information on the application is accurate and complete; reach out to clients for missing information on the application
  • Periodically conduct credit risk reviews on existing clients, ensuring compliance with the current credit risk policy
  • Review financial/bank statements to determine fundamental financial ratios and credit worthiness
  • Communicate credit product details and decisions with internal and external parties
  • Work with sales managers to determine and seek credit opportunities
  • Own and maintain credit portfolio 

What We're Looking For:

  • Bachelor’s Degree in Finance, Economics or equivalent
  • Minimum 2-3 years of credit risk, commercial underwriting, or financial analysis experience
  • Knowledge of DnB and other commercial credit bureaus
  • Familiarity with banking regulations and global markets is a plus
  • Strong understanding of credit risk models such as loss given default, probability of default, and expected loss
  • Deep understanding of financial ratios, financial analysis 
  • Knowledge of anti-money laundering practices, including Kyc/Kyb 
  • Ability to read the three financial statements and make manual underwriting decisions
Emburse provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability or genetics. In addition to federal law requirements, Emburse complies with applicable state and local laws governing nondiscrimination in employment in every location where the company has facilities. This policy applies to all terms and conditions of employment.
Job region(s): North America
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