Sr. Credit Underwriter_ US Market_WFO

At Palni, we are seeking an experienced Credit Underwriter to support our clients credit team. This role is pivotal in managing underwriting, pricing, loan performance, and collections, with a direct impact on customer-level P&L. As part of our Credit Team, you will make data-driven business decisions to optimize lending margins while leveraging analytics to refine policies and pricing strategies.

Key Responsibilities:

• Analyze financial data to assess the creditworthiness of small to mid-sized businesses.
• Apply underwriting expertise to make informed credit decisions within existing policy frameworks.
• Engage directly with customers to understand their business models and borrowing needs.
• Independently manage an underwriting pipeline, ensuring efficient decision-making.
• Drive improvements in underwriting policies and procedures as needed.
• Collaborate with credit/risk teams and leadership to enhance automated credit decisioning.
• Maintain strong relationships with internal stakeholders and management.

Qualifications & Skills:

• Bachelor’s degree required (preferably in a business-related field).
• 5+ years of professional experience in small business lending underwriting.
• Proficiency in analysing financial documents, including tax returns, bank statements, financial statements, and credit reports.
• Strong understanding of business underwriting principles, small business lending risks, and lending regulations.
• Excellent written and verbal communication skills with the ability to present financial data clearly.
• Strong analytical and problem-solving skills with a detail-oriented mindset.
• Comfortable working in a fast-paced environment with minimal supervision.
• Ability to work independently and deliver high-quality results.