[Hiring] Risk Analyst I @Motive

Role Description

We are seeking a highly motivated and experienced underwriting professional to join our Risk Management team. As an experienced underwriter, you will be responsible for reviewing and assessing the financial risk of new and existing customers, while making decisions based on policy guidelines. You should have experience and subject matter expertise in:

• Financial services
• End-to-end underwriting lifecycle
• Portfolio management
• Bank statement and financial decisioning
• Risk assessment

You’ll evaluate applications, perform analysis that mitigates financial risk, and make timely and accurate decisions on application outcomes. The successful candidate will work as a member of our Risk Organization and collaborate with members from our sales, data science, product management, and other stakeholders to deliver best in class customer experience.

What You'll Do

• Collect, review and analyze applicants' relevant financial, demographic, and historic information and records, including:
  • Business financial statements (balance sheets, income statements, cash flow statements)
  • Bank statements
  • Credit reports
• Directly communicate with clients & sales about application status
• Clearly articulate why and when additional documents are needed to determine a client's creditworthiness
• Make determination whether to approve, decline or seek an exception for an application based on policy guidelines
• Make quality decisions in a timely and efficient manner within expected SLA
• Perform portfolio management, evaluating and identifying suspicious or questionable items
• Recommend policy and process improvement to mitigate potential failure points throughout the underwriting journey
• Conduct bank statement analysis, financial spreading, and risk ratio analysis culminating with underwriting memo

Qualifications

• 2-5 years of underwriting experience in financial services, high-growth payments, or fintech company
• Strong critical reasoning, problem solving and analytical skills
• Ability to work independently and thrive in a collaborative team environment
• Excellent oral and written communication skills
• Familiar with fundamentals of financial risk assessment
• Familiar with the U.S. compliance, lending & regulatory environment (KYC, Reg B, Reg Z, UDAAP, FCBA, Truth in Lending Act)
• Experience with quantitative and qualitative analysis
• Strong organization and time management skills
• Proven experience with bank based & financial underwriting
• Highly motivated, organized, reliable, and has demonstrated competency in mathematics and financial spreading

Company Description

Motive empowers the people who run physical operations with tools to make their work safer, more productive, and more profitable. For the first time ever, safety, operations and finance teams can manage their drivers, vehicles, equipment, and fleet related spend in a single system. Combined with industry leading AI, the Motive platform gives you complete visibility and control, and significantly reduces manual workloads by automating and simplifying tasks.

Motive serves nearly 100,000 customers – from Fortune 500 enterprises to small businesses – across a wide range of industries, including transportation and logistics, construction, energy, field service, manufacturing, agriculture, food and beverage, retail, and the public sector.

Motive is on a mission to modernize the trucking industry. With the leading fleet management platform, we are bringing trucks online and fundamentally changing the way freight is moved on our roads.

Motive is proud to be a Forbes Cloud 100 company, a 2020 Career-Launching Company by Wealthfront and named a Forbes Best Startup Employer 2020.