Senior Credit Underwriter

Develop and implement data-driven credit pricing strategies to maximize profitability and market share, leveraging insights from business bank statements.

Conduct in-depth market and competitive analysis to identify pricing trends and customer preferences, incorporating financial data.

Perform financial modeling and analysis using business bank statement data to inform credit pricing decisions.

Collaborate with sales, marketing, and finance teams to gather and analyze relevant data sources, including bank statements.

Monitor the effectiveness of credit pricing strategies and adjust based on performance metrics and financial analysis.

Prepare and deliver credit pricing performance reports and strategic recommendations to senior leadership.

Ensure all credit pricing activities comply with industry regulations and internal policies related to financial data handling.

Enhance credit pricing tools and processes, with a focus on integrating and improving bank statement data analysis.

Qualifications:
Bachelor’s degree in Finance, Accounting, Business Administration, Mathematics, Statistics, Actuarial Science, Risk Management, Engineering, Data Science, or a related field.
Master’s degree (MBA, MS in Finance, MS in Economics, or a related field) is highly preferred.

Minimum of 3-5 years of experience in financial analysis, underwriting, or a related field, with specific experience in analyzing business bank statements.

Strong proficiency in financial modeling and analysis, including expertise in analyzing business bank statements.

Experience with financial software and tools such as Excel, SAS, SQL, or similar, with a focus on business bank statement analysis.

Excellent analytical and quantitative skills with a strong attention to detail, particularly in the context of business bank statement analysis.

Strong written and verbal communication skills, with the ability to present findings and recommendations clearly and concisely to stakeholders.

Demonstrated ability to identify problems, develop solutions, and implement them effectively, leveraging insights from business bank statements.

Strong critical thinking and decision-making skills, informed by analysis of business bank statements.
Ability to work effectively in a team environment and collaborate with cross-functional teams, integrating business bank statement analysis into pricing strategies.

Strong organizational and time management skills, with a focus on meeting deadlines and requirements related to business bank statement analysis.

Knowledge of regulatory requirements and industry standards, particularly those related to business bank statement analysis.
Commitment to maintaining compliance with all relevant regulations and guidelines, including those related to business bank statement analysis.

Willingness to stay updated with industry trends and continuously improve skills, particularly in the area of business bank statement analysis.

High ethical standards and integrity, with a focus on maintaining confidentiality and accuracy in business bank statement analysis.