Senior Underwriter - Finance

ABOUT TRUELOGIC At Truelogic we are a leading provider of nearshore staff augmentation services headquartered in New York. For over two decades, we’ve been delivering top-tier technology solutions to companies of all sizes, from innovative startups to industry leaders, helping them achieve their digital transformation goals. Our team of 600+ highly skilled tech professionals, based in Latin America, drives digital disruption by partnering with U. S. companies on their most impactful projects. Whether collaborating with Fortune 500 giants or scaling startups, we deliver results that make a difference. By applying for this position, you’re taking the first step in joining a dynamic team that values your expertise and aspirations. We aim to align your skills with opportunities that foster exceptional career growth and success while contributing to transformative projects that shape the future. OUR CLIENT It is a technology-enabled, leading provider of flexible financing to small and medium-sized businesses. Since its inception in 2008, it has supported more than 55,000 merchants nationwide with over $4 billion in capital, used for a variety of purposes, including funding everyday operating expenses, managing cash flow gaps, and facilitating business expansion. Leveraging proprietary technology, it is able to deliver capital to customers through a streamlined and simple process that can be completed in as little as 24 hours, compared with the weeks or even months it can take for a business to receive a traditional bank loan. JOB SUMMARY They are proactively mapping Senior Underwriter talent in LATAM for a potential opportunity with a U. S. -based financial services company focused on providing working capital and financing solutions to small and medium-sized businesses. The Senior Underwriter would be responsible for evaluating business financing applications, assessing credit and repayment risk, reviewing financial and operational information, and making or recommending funding decisions. This is not intended to be a purely rules-based processing role. Strong analytical judgment, attention to detail, and the ability to identify risks or inconsistencies across multiple data sources will be important.

The ideal candidate has direct experience underwriting SMB/commercial financing products in the U. S. market or working within fintech, alternative lending, merchant cash advance, commercial lending, or a closely related environment. RESPONSIBILITIES - Review and evaluate SMB financing applications and supporting documentation. - Analyze business bank statements, cash flow, revenue patterns, existing debt obligations and overall financial health. - Review credit reports and other available third-party data sources as part of the underwriting process. - Assess repayment capacity, creditworthiness and overall transaction risk. - Identify inconsistencies, potential fraud indicators, unusual transaction patterns and other risk factors requiring additional review - Conduct appropriate business and ownership due diligence. - Make underwriting decisions or provide funding recommendations within established credit policies and risk parameters. - Determine or recommend appropriate financing amounts, terms and conditions based on the applicant's risk profile. - Clearly document underwriting rationale and decision-making. - Work with Sales, Operations, Risk and other internal stakeholders to resolve questions or obtain additional information when necessary. - Manage multiple applications simultaneously while meeting turnaround-time and quality expectations. - Escalate complex, high-risk or policy-exception cases when appropriate. - Maintain accuracy and consistency while operating in a high-volume environment. - Contribute feedback on underwriting policies, processes and opportunities for workflow improvement. - Work effectively alongside automated underwriting tools and systems while applying human judgment to cases requiring deeper analysis.