About Company
Are you a meticulous Loan Underwriter seeking boundless opportunities? Career.zycto is a dynamic, forward-thinking financial technology firm revolutionizing access to credit across diverse markets. We empower our global team to thrive by fostering an environment of trust, autonomy, and continuous learning. For a skilled underwriter, our culture offers the perfect blend of analytical challenge and unparalleled work-life integration. Join us in shaping the future of finance from wherever you are most productive.
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Job Description
Career.zycto is seeking a highly skilled and motivated Loan Underwriter to join our innovative, fully remote team. This is a unique opportunity to contribute your expertise from any location, leveraging cutting-edge technology to assess credit risk and facilitate responsible lending. As a Loan Underwriter, you will be a critical gatekeeper, evaluating loan applications, analyzing financial data, and making informed decisions that directly impact our clients and our business growth. We are looking for an individual who is not only proficient in traditional underwriting principles but also possesses a forward-thinking mindset to adapt to evolving digital lending landscapes.
In this ‘Work from Anywhere’ role, you’ll be empowered with the autonomy to manage your workload efficiently while collaborating asynchronously and synchronously with a diverse, international team. Your day-to-day will involve diving deep into financial statements, credit histories, and other relevant documentation to determine the creditworthiness of applicants across various loan products. You will be instrumental in identifying potential risks, ensuring compliance with regulatory guidelines, and maintaining the high standards of integrity that Career.zycto is known for. This position offers more than just a job; it’s a chance to be part of a company that values flexibility, professional development, and making a tangible difference in the financial lives of individuals and businesses. If you’re passionate about meticulous analysis, sound decision-making, and thrive in a dynamic, supportive remote environment, we encourage you to apply.
Key Responsibilities
- Conduct thorough evaluations of loan applications, including personal and small business loans, for creditworthiness and risk.
- Analyze financial statements, credit reports, tax returns, and other pertinent documentation to assess repayment capacity and collateral.
- Approve, counter-offer, or deny loan applications in strict adherence to company policies, lending guidelines, and regulatory requirements.
- Clearly communicate underwriting decisions, conditions, and requirements to loan officers, sales teams, or directly to applicants when necessary.
- Identify and mitigate potential credit risks, ensuring a balanced approach between risk management and business objectives.
- Maintain up-to-date knowledge of industry trends, economic conditions, and regulatory changes affecting lending practices.
- Collaborate effectively with sales, operations, and compliance teams to ensure a smooth and efficient loan process.
- Utilize various underwriting software and tools to streamline the evaluation process and enhance accuracy.
- Participate in ongoing training and professional development to enhance underwriting skills and knowledge.
Required Skills
- Minimum of 3 years of proven experience as a Loan Underwriter, preferably within a financial services or FinTech environment.
- Strong analytical and critical thinking skills with a meticulous attention to detail.
- Proficiency in financial statement analysis, credit scoring models, and risk assessment methodologies.
- Excellent written and verbal communication skills for clear decision articulation and collaboration.
- In-depth understanding of lending regulations, compliance standards (e.g., AML, KYC), and industry best practices.
- Demonstrated ability to work independently, manage a high-volume workload, and prioritize tasks effectively in a remote setting.
- Proficiency with underwriting software, CRM systems, and standard office productivity tools.
Preferred Qualifications
- Bachelor's degree in Finance, Business Administration, Economics, or a related quantitative field.
- Experience with a diverse portfolio of loan products, including unsecured personal loans, secured loans, or small business financing.
- Familiarity with digital lending platforms and automated underwriting systems.
- Certification in a relevant financial discipline (e.g., Certified Public Accountant (CPA), Chartered Financial Analyst (CFA) equivalent).
- Experience working in a fully remote or hybrid work environment.
Perks & Benefits
- True 'Work from Anywhere' flexibility, empowering you to create your ideal work environment.
- Highly competitive salary package and performance-based bonuses.
- Comprehensive health, dental, and vision insurance for you and your family.
- Generous paid time off, including holidays, vacation, and sick leave.
- Opportunities for continuous professional development, training, and career advancement.
- Access to state-of-the-art technology and tools to support your productivity.
- A vibrant, inclusive, and supportive global team culture that values collaboration and innovation.
- Contribution to a pioneering FinTech company at the forefront of financial accessibility.
How to Apply
Ready to make an impact from anywhere? To apply for this exciting opportunity, please click on the application link below. Ensure your resume and cover letter highlight your underwriting experience and ability to thrive in a remote work environment.
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