Underwriter (P/C) jobs in Miami, FL

Who we are:

FundKite is a game changing institution dedicated to helping businesses reach their maximum potential. We provide a revenue-based type financing product; our main office is in Miami Florida. FundKite is one of the fastest growing FinTech companies, bringing a unique approach to the long-standing financing industry. We utilize a boutique funding style, offering business owners a flexible variety of products and services that can be tailored to fit their individual financial needs. We provide working capital to small and medium-sized businesses nationwide. We are currently seeking an experienced, energetic, and goal-oriented professional to join our team as an underwriter. We offer a competitive salary and a complete benefit package, including Health-Dental and Vision insurance, PTO, and 401K.

Responsibilities and Duties Responsible for full cycle underwriting of assigned small business funding.

• To determine business and merchant’s credit worthiness based on the stability, trend, and growth of the business by analyzing the business’s revenue, business’s liabilities/obligations to senior creditors, expenses/overheads and general credit and background of the business and merchant.
• Determine the ability of the client to deliver purchased receivables bought by FundKite through the analysis of the client’s overall business financials.
• Perform detailed financial analysis on the business, including trend and ratio analysis, and interpret past, current, and future risks.
• Perform credit analysis and financial statement analysis on co-owners, guarantors, and individuals to determine additional risks and exposure.
• Perform other due diligence as needed to determine the creditworthiness of the business and its owners.

Qualifications and Skills

• Strong analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry, and competitive analysis and projections.
• Proficient in various spreadsheet and word processing applications.
• Basic knowledge of credit principles, lending operations, lending research, and general credit policies
• Team player with the ability to take the initiative.
• Detail oriented, ability to work well under pressure and multi-task.
• Strong written and verbal communication skills
• Problem recognition and resolution skills

Experience

• Credit Analysis: 2 years (Preferred)
• Underwriting: 2 years (Preferred)

Education:

• Bachelor’s or associate degree preferred.