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.
  

Qualifications and Job Requirements

• 4+ years of relevant underwriting, credit analysis, risk analysis or commercial lending experience.

• Strong preference for experience with SMB/business lending, fintech, alternative

  lending, merchant cash advance, working capital financing or commercial credit.

• Experience analyzing business bank statements, cash flow and credit information.

• Strong understanding of credit risk and the factors affecting the financial health of small

  businesses.

• Demonstrated ability to make independent risk decisions rather than exclusively

  processing applications against a checklist.

• Experience working in a high-volume, deadline-driven underwriting environment.

• Strong analytical and problem-solving skills.

• High attention to detail and ability to identify inconsistencies or potential risk indicators.

• Strong written and verbal English communication skills.

• Located in Latam.

What We Offer

• 100% Remote Work: Enjoy the freedom to work from the location that helps you thrive. All it takes is a laptop and a reliable internet connection.

• Highly Competitive USD Pay: Earn an excellent, market-leading compensation in USD, that goes beyond typical market offerings.

• Paid Time Off: We value your well-being. Our paid time off policies ensure you have the chance to unwind and recharge when needed.

• Work with Autonomy: Enjoy the freedom to manage your time as long as the work gets done. Focus on results, not the clock.

• Work with Top American Companies: Grow your expertise working on innovative, high-impact projects with Industry-Leading U.S. Companies.

Why You’ll Like Working Here

• A Culture That Values You: We prioritize well-being and work-life balance, offering engagement activities and fostering dynamic teams to ensure you thrive both personally and professionally.

• Diverse, Global Network: Connect with over 600 professionals in 25+ countries, expand your network, and collaborate with a multicultural team from Latin America.

• Team Up with Skilled Professionals: Join forces with senior talent. All of our team members are seasoned experts, ensuring you're working with the best in your field.