Credit Underwriter For Commercial Lending_ US Market_ WFO

At Palni, we are seeking an experienced Commercial Credit Underwriter to support our clients credit team. This role is pivotal in managing commercial credit 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:

• Bachelors degree required (preferably in a business-related field).
• 5 years of professional experience in small business lending underwriting.
• Must have end to end credit underwriting experience only in Commercial Lending.
• Proficiency in analysing financial documents, including bank statements, financial statements, and credit bureau 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.