[Hiring] Senior Underwriter @Cardiff

Role Description

As a Senior Underwriter, you will evaluate working capital loan and merchant cash advance applications, make sound funding decisions, and help Cardiff grow responsibly. You will balance speed with disciplined risk assessment, explain decisions clearly, and work closely with Sales and Operations to move qualified applications through the process.

• Manage a high-volume underwriting pipeline while maintaining accuracy, consistency, and timely decision-making.
• Analyze business financials, bank statements, credit reports, and other supporting documentation to assess creditworthiness and repayment risk.
• Approve, decline, or structure funding requests in accordance with Cardiff's underwriting guidelines and risk standards.
• Identify material risks, inconsistencies, and missing information, and document the rationale for each decision.
• Partner with Sales and Operations to resolve questions, obtain required documentation, and support a smooth applicant experience.
• Provide underwriting guidance and financial insight to internal partners while maintaining independent credit judgment.
• Stay current on market conditions, portfolio trends, and regulatory developments that may affect working capital lending and merchant cash advance products.

Qualifications

• At least three years of underwriting experience with working capital loan or merchant cash advance products.
• A bachelor's degree in finance, business administration, or a related field.
• Strong financial analysis, risk assessment, and decision-making skills.
• Experience reviewing financial statements, bank statements, and credit reports.
• Clear written and verbal communication skills, including the ability to explain complex credit decisions to nontechnical partners.
• Proficiency with financial analysis tools and underwriting systems.
• The ability to work independently in a remote environment, manage competing priorities, and meet deadlines.

Requirements

• You make timely decisions without sacrificing the quality of your analysis.
• You apply sound judgment consistently and know when an application requires additional review or escalation.
• You communicate questions, decisions, and risks directly and respectfully.
• You stay organized in a high-volume environment and keep application status and decision notes current.
• You collaborate well with Sales and Operations while maintaining objective underwriting standards.
• You adapt to changing priorities and look for practical ways to improve underwriting quality and efficiency.

Benefits

• $80,000 base salary, plus a performance bonus tied to delivery and business outcomes.
• Medical, dental, and vision coverage.
• 401(k) plan.
• Flexible PTO and observed holidays.
• Remote-first work environment with support for your home-office setup.