Merchant Underwriting Jobs in Utah (NOW HIRING)

Description

Full-Time, Non-Exempt

Sandy, UT - In-Office

Compensation: $33.60 - $36.00 / hour DOE

Make Confident Credit Decisions. Manage Complex Risk. Help Small Businesses Grow.

About Expansion Capital Group (ECG)

ECG provides financing solutions that help small businesses access the capital they need to grow. Our team specializes in efficient, non-traditional lending, balancing speed with strong credit discipline and a commitment to doing things the right way.

We are looking for a Senior Underwriter to support our Underwriting team.

This role is ideal for an experienced underwriter who enjoys evaluating complex lending opportunities, analyzing financial information, and making sound credit decisions. You'll play a key role by reviewing complex financing requests, partnering with internal teams, and helping ensure funding decisions are accurate, timely, and aligned with ECG's lending philosophy. If you're analytical, decisive, and motivated to make a meaningful impact, this is a strong opportunity. In this role, you'll independently evaluate credit requests, collaborate across departments, and help balance responsible lending with business growth.

What You'll Do:

Review and evaluate complex small business financing requests requiring manual underwriting

Analyze financial information, credit profiles, supporting documentation, and risk factors

Make independent credit decisions using established underwriting guidelines

Evaluate exception-based lending scenarios while maintaining risk tolerances

Review documentation for completeness, accuracy, and compliance prior to funding

Generate contract requests and validate funding documentation

Partner with Sales, Underwriting Processing, Merchant Support, and other teams

Communicate professionally with merchants, referral partners, and lenders

Resolve complex underwriting questions and funding scenarios

Identify opportunities to improve underwriting quality and operational efficiency

What You'll Learn:

Advanced commercial underwriting and credit analysis

Complex risk assessment and exception-based lending

Cross-functional collaboration across ECG's lending operations

Strategies for balancing portfolio quality with business growth

Continuous improvement within a growing fintech organization

Why Join Us:

Meaningful Impact: Make credit decisions that directly influence funding outcomes

Challenging Work: Evaluate complex commercial lending opportunities

Growth Potential: Continue developing your underwriting expertise

Team Environment: Collaborative, fast-paced, and execution-focused

Consistency: Monday-Friday schedule with predictable hours

Work Environment:

In-office role based in Sioux Falls, SD or Sandy, UT

Professional office environment with a collaborative team atmosphere

What We're Looking For:

Strong candidates typically have experience in:

Commercial or small business underwriting

Financial analysis and credit decision-making

Manual underwriting and exception-based lending

Working in banking, lending, or financial services

Collaborating across departments to support funding decisions

You'll Thrive in This Role If You Are:

Analytical and detail-oriented

Comfortable making independent decisions

Organized and able to manage multiple priorities

A strong communicator and collaborative partner

Committed to accuracy, accountability, and continuous improvement

Requirements

Required Experience:

Minimum of four years of underwriting experience making credit decisions in a financial services or lending environment

Experience analyzing complex financial information and applying underwriting guidelines

Strong analytical, mathematical, critical thinking, and decision-making skills

Excellent verbal and written communication skills

Strong organizational skills and attention to detail

Ability to work independently while collaborating effectively across teams

Proficiency with Microsoft Office and internet-based research tools

Preferred Experience:

Bachelor's degree in business, Finance, Accounting, Economics, or a related field

Experience underwriting small business, working capital, or commercial lending products

Experience reviewing complex or exception-based underwriting scenarios

Experience in alternative lending or fintech

Knowledge of business financial statements, cash flow analysis, and commercial credit evaluation

Experience mentoring or serving as a resource for junior underwriters or underwriting processing staff

Equal Opportunity Employer

Expansion Capital Group is an equal opportunity employer and considers all applicants without regard to protected characteristics.