Underwriter

Job description

Capchase is on a mission to transform how hardware and software companies sell and get paid, revolutionizing the equipment financing space. Recently named a 2026 Monitor Best Company in Innovation, we're recognized for embedding flexible payment terms directly into the sales workflow — helping teams close faster without the friction of a separate financing system. We're the modern platform for financing leading enterprise solutions: built for direct and channel sales motions, with $2B+ funded, approvals in seconds, and a seamless experience for both sellers and buyers. Backed by leading fintech investors including 01A, Thomvest, QED, SciFi, and Invesco, we've raised $700M+ in equity and debt to fuel our growth. In just over five years, we've scaled from four co-founders to 80+ Capchasers across 10 markets — supporting thousands of companies globally and processing billions in payment volume. Since our launch in 2020, we've achieved several milestones: ➡ 10K+ active vendors, channel partners and buyers 🙌 Built a team representing over 15 nationalities 🌎 Active in 10 markets 📈 Top decile YoY growth 👫 Built an awesome culture https://www.notion.so/9f798084322a4a719654b38ac108645a?pvs=21. In December 2024 we reached the top of the Installment Payment, BNPL category on G2 https://www.capchase.com/lp/g2-installment-payment-bnpl-software-report, #1 in B2B. Why work with us? Help accelerate an industry! At Capchase, we are transforming how software and tech-enabled hardware equipment gets financed, we move and innovate fast. We’re always looking for the brightest minds to join us. We’re a diverse team of 15+ nationalities with a shared passion for helping innovative companies thrive. Join the climb with us! About the Role Our Credit team is looking for a detail-oriented, decisive credit professional to join as an Underwriter. You'll review the credit profile of potential borrowers, apply our proprietary credit policy to approve credit, and help vendor and channel partners close more deals by delivering an industry-best response time on credit decisions. This is a foundational role for anyone who wants hands-on exposure to how commercial credit risk is assessed and managed at a fast-growing fintech. What You'll Do - Performing risk assessments on potential commercial borrowers based on commercial credit bureau information, internal borrowing history, and other firmographic and risk factors - Evaluating compliance requirements (including OFAC and KYC screening) - Efficiently and accurately employing a proprietary credit policy to assign borrower ratings, credit limits, and specific loan features - Clearly articulating when and why additional details or financial documents are required - Evaluating borrower documents to ensure accuracy and completeness - Spreading customer financial information and analyzing standard financial ratios - Supporting colleagues and leaders in large, complex transactions - Recording loan application decisions and the specific basis for decision - Performing all duties with a focus on client relationships and superior customer service What You'll Need - 3-5 years experience in commercial financial services, credit risk preferred - 3+ years underwriting commercial borrowers - 2+ years in a transactional operations environment with high-volume processing - Bachelor's degree in finance, engineering, computer science, or related discipline - Strong analytical capabilities with excellent attention to detail - Experience with US commercial lending practices - Ability to maintain US working hours and holiday schedule Nice to Haves - Prior experience underwriting vendor- or channel-financed transactions - Familiarity with equipment leasing/financing concepts (ELFA-adjacent) as applied to tech - Experience with Salesforce or a comparable loan origination/CRM system - Exposure to fintech, SaaS, or B2B lending environments - Experience at a high-growth startup We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, colour, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.