Underwriting Analyst (Hybrid)

We are interested in every qualified candidate who is eligible to work in the United States. However, we are not able to sponsor visas or take over sponsorship at this time.

About the role:

Underwriting Analysts are individual contributors responsible for reviewing, underwriting, and creating the credit decision for term and revolving credit products for the SMB market. The successful candidate will be responsible for reviewing financial and credit data to assess credit risk, determining sources of repayment, and creating appropriate loan structures. Additionally, the candidate will ensure compliance with regulations, policy & procedures to mitigate loss, delinquency and overall risk.

Responsibilities:

• Underwrite small business loan applications and account reviews by combining your commercial lending experience and Enova’s sophisticated technology and analytics solutions
• Evaluate credit worthiness by preparing underwriting documentation and present approvals and appropriate loan structure to underwriting leadership
• Analyze application data including tax returns, financial statements, bank statements, as well as business and personal credit reports
• Adhere to all applicable lending policies, procedures, and regulatory compliance
• Meet key performance indicators to ensure the effectiveness and quality of the team and processes
• Evaluate and provide recommendations for policy exceptions

Requirements:

• Undergraduate degree in finance, business or related field
• 0-1 years of commercial lending, credit, or similar processing experience
• Strong basic math and data entry skills
• Ability to manage multiple tasks and prioritize workflows
• Excellent oral and written communication skills with a demonstrated commitment to delivering high quality and effective customer service experiences
• Ability to exercise sound, professional judgment with independent decision making and a high level of discretion.
• Demonstrated experience in working with broad cross-functional teams. 
• Detail oriented, logical, and methodological approach to problem solving.

Compensation:

The budgeted hourly rate range for this position is $22.00 to $24.00. Actual rate will be determined based on qualifications, skills, experience, and level assessed during the hiring process and may fall outside of the range shown. Additional compensation for this role may include commission or bonus. All full-time employees are eligible to participate in Company benefits, described in more detail here.

#BI-Hybrid    #LI-Hybrid

Benefits & Perks:

• Our hybrid roles require in-office work Tuesday through Thursday, with remote flexibility on Mondays and Fridays. This schedule fosters collaboration, team connection, and strategic planning, enhancing communication and effectiveness to drive results.
• Health, dental, and vision insurance including mental health benefits
• 401(k) matching plus a roth option (U.S. Based employees only)
• PTO & paid holidays off
• Sabbatical program (for eligible roles)
• Summer hours (for eligible roles)
• Paid parental leave
• DEI groups (B.L.A.C.K. @ Enova, HOLA @ Enova, Women @ Enova, Pride @ Enova, South Asians @ Enova, APEX @ Enova, and Parents @ Enova)
• Employee recognition and rewards program
• Charitable matching and a paid volunteer day…Plus so much more!

About Enova

Enova International is a leading financial technology company that provides online financial services through our AI and machine learning-powered Colossus™platform. We serve non-prime consumers and businesses alike, while offering world-class technology and services to traditional banks—in order to create accessible credit for millions. 

Being a values-driven organization is at the core of Enova’s success. We live our values by listening to our customers, challenging assumptions, thinking big, setting high expectations, and hiring and developing the best. Through our values and our commitment to making Enova an awesome place to work, we maintain an environment of inclusion and culture where our employees can thrive. You can learn more about Enova’s values and culture here. 

It is our policy to provide equal employment opportunity for all persons and not discriminate in employment decisions by placing the most qualified person in each job, without regard to any other classification protected by federal, state, or local law. California Applicants: Click here to review our California Privacy Policy for Job Applicants.