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Factoring Underwriter Jobs (NOW HIRING)

Southstar Capital LLC

Underwriter

Mount Pleasant, SC · On-site

Factoring Underwriter Location: Charleston, SC About the Role We are seeking an experienced Underwriter specializing in Factoring to join our growing team. This role is critical in evaluating ...

Constrafor

Head of Credit Underwriting

New York, NY · On-site +1

$190K - $210K/yr

As the Head of Credit Underwriting at Constrafor, you will embark on an exhilarating journey to ... ABL), Invoice Factoring, and Receivable Financing. * Strong understanding of risk modeling ...

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$32.5K

$78.9K

$139.5K

How much do factoring underwriter jobs pay per year?

As of Jul 14, 2026, the average yearly pay for factoring underwriter in the United States is $78,878.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $87,000.00 per year, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive in the Factoring Underwriter position, and why are they important?

A successful Factoring Underwriter needs strong financial analysis skills, attention to detail, and knowledge of credit risk assessment, typically supported by a degree in finance, accounting, or related fields. Familiarity with factoring-specific underwriting software, financial modeling tools, and platforms like Excel is often required. Exceptional communication, sound judgment, and the ability to work collaboratively are critical soft skills for this role. These competencies ensure thorough risk evaluation, timely decision-making, and effective partnership with clients and team members in a fast-paced commercial finance environment.

What is a Factoring Underwriter job?

A Factoring Underwriter evaluates the creditworthiness of businesses seeking invoice factoring services. They analyze financial statements, customer payment histories, and industry risks to assess the likelihood of repayment. Their role helps mitigate risk for the factoring company by ensuring that approved clients have reliable accounts receivable. Strong analytical skills, attention to detail, and knowledge of financial risk assessment are essential for success in this role.

What are the main challenges Factoring Underwriters face in their daily work?

Factoring Underwriters often manage multiple applications simultaneously, requiring them to balance thorough risk assessments with tight deadlines. They must analyze complex financial statements, verify the legitimacy of receivables, and identify potential fraud, all while maintaining strong relationships with clients and colleagues. Staying current with industry regulations and evolving market trends is essential as it impacts risk evaluation strategies. While the work is demanding, it offers valuable experience in commercial finance and frequent opportunities to collaborate with credit, sales, and operations teams.

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What cities are hiring for Factoring Underwriter jobs? Cities with the most Factoring Underwriter job openings:
What states have the most Factoring Underwriter jobs? States with the most job openings for Factoring Underwriter jobs include:
What job categories do people searching Factoring Underwriter jobs look for? The top searched job categories for Factoring Underwriter jobs are:
Factoring Underwriter jobs near you
Infographic showing various Factoring Underwriter job openings in the United States as of July 2026, with employment types broken down into 62% Full Time, 36% Part Time, and 2% Contract. Highlights an 62% Physical, 2% Hybrid, and 36% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.
Underwriter

Underwriter

Southstar Capital LLC

Mount Pleasant, SC • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 29 days ago

Job description

Factoring Underwriter

Location: Charleston, SC

About the Role

We are seeking an experienced Underwriter specializing in Factoring to join our growing team. This role is critical in evaluating, structuring, and approving credit facilities for small to mid-sized businesses. The ideal candidate will bring deep a knowledge of Factoring/Commercial Finance with the ability to balance credit risk with business growth objectives.

Key Responsibilities

  • Transaction Underwriting & Credit Analysis
    • Conduct in-depth analysis of client and account debtor financials, cash flow trends, debt levels, and liquidity.
    • Champion the underwriting process for credit facilities, from initial assessment through final approval
    • Evaluate collateral quality, with an emphasis on accounts receivable verification, debtor concentrations, and invoice aging reports.
  • Risk Assessment & Structuring
    • Identify potential risks, including credit, operational, legal, and fraud-related risks, and recommend appropriate mitigants.
    • Structure facilities in alignment with company credit policies, capital requirements, and regulatory guidelines.
    • Recommend advance rates, reserves, and concentration limits based on client profile and collateral quality.
  • Credit Memo Preparation & Presentation
    • Prepare comprehensive credit memoranda that clearly outline client strengths, weaknesses, and risk factors.
    • Present and defend underwriting recommendations to the Credit Committee, senior management, and executive leadership.
  • Cross-Functional Collaboration
    • Work with sales teams to structure competitive yet risk-appropriate proposals.
    • Work closely with legal counsel and senior management to ensure loan documents, factoring agreements, and collateral filings are accurate and enforceable.
    • Support operations and account management teams during onboarding to ensure smooth client transitions.
  • Portfolio Management & Monitoring
    • Provide ongoing oversight of approved facilities, monitoring credit performance against projections and covenants.
    • Analyze trends in client AR quality, debtor payment performance, and borrowing base compliance.
    • Recommend facility modifications, risk rating changes, or exit strategies as needed.
  • Market & Industry Insight
    • Stay informed on economic conditions, industry trends, and competitive practices impacting factoring.
    • Leverage industry knowledge to anticipate risks and identify new underwriting opportunities.

Qualifications

  • Bachelor’s degree in accounting, business, or related field
  • 3+ years of underwriting experience in factoring/commercial finance
  • Strong analytical and financial modeling skills.
  • In-depth knowledge of UCC filings, lien searches, and collateral documentation.
  • Proven ability to assess risk and structure transactions within policy and compliance frameworks.
  • Excellent communication skills, both written and verbal, with the ability to present findings to executives and committees.
  • Detail-oriented, organized, and able to handle multiple transactions simultaneously.
  • Understanding of the underwriting process by asset class.

What We Offer

  • Competitive compensation and performance-based incentives
  • Comprehensive benefits package (medical, dental, vision, 401k and matching, life, short-term disability, paid time off)
  • A collaborative and growth-oriented company culture
  • Profit sharing per company handbook guidelines