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Micro Lending Jobs (NOW HIRING)

Genesis Capital

Credit Underwriter

Sherman Oaks, CA · On-site

$80K - $130K/yr

The Credit Underwriter is responsible for evaluating new lending opportunities and performing ... micro and macro perspective. * Ability to consolidate information from many sources to identify ...

Genesis Capital

Senior Credit Underwriter

Scottsdale, AZ · On-site

$140K - $175K/yr

The Sr Credit Underwriter is responsible for evaluating new lending opportunities and performing ... micro and macro perspective. * Ability to consolidate information from many sources to identify ...

DRW

Senior Software Engineer - DeFi

Chicago, IL · On-site

$130K - $225K/yr

Integrating with DeFi protocols -- AMMs, lending platforms, options vaults, staking providers -- to ... A solid understanding of micro-service architectures * Proficiency in domain-driven design and ...

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Micro Lending information

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How much do micro lending jobs pay per hour?

As of Aug 21, 2026, the average hourly pay for micro lending in the United States is $19.23, according to ZipRecruiter salary data. Most workers in this role earn between $19.23 and $19.23 per hour, depending on experience, location, and employer.

What is micro lending?

Micro lending is the practice of providing small loans to individuals or small businesses that do not have access to traditional banking services. These loans are typically used to support entrepreneurship, alleviate poverty, or help people start or expand small-scale businesses. Micro lending is popular in developing countries, but it also exists in developed economies to support underserved communities. The goal is to empower borrowers by giving them access to capital and financial resources to improve their livelihoods.

What are the key skills and qualifications needed to thrive as a micro lending officer, and why are they important?

To thrive as a Micro Lending Officer, you need a solid understanding of financial principles, risk assessment, and lending practices, often supported by a degree in finance, business, or economics. Familiarity with loan management software, credit scoring tools, and banking regulations is typically required. Strong interpersonal skills, cultural sensitivity, and effective communication are crucial for building trust with clients and assessing their needs. These skills help ensure responsible lending, minimize risk, and support the financial growth of underserved communities.

What are some common challenges faced by professionals working in micro lending, and how can they be addressed?

Professionals in micro lending often encounter challenges such as assessing creditworthiness with limited borrower data, managing high application volumes, and ensuring timely loan repayments. Building strong relationships with clients, leveraging technology for more accurate risk assessment, and providing financial education can help address these issues. Additionally, collaboration with local communities and continuous monitoring of loan performance are key strategies to mitigate risks and support borrowers effectively.

What is the difference between Micro Lending vs Micro Loan Officer?

AspectMicro LendingMicro Loan Officer
CredentialsTypically requires financial or banking certifications, relevant experienceSame as Micro Lending, often with additional sales or customer service skills
Work EnvironmentFinancial institutions, microfinance organizationsBank branches, microfinance institutions, community organizations
Industry UsageUsed broadly to describe the industry or sectorSpecific role within microfinance institutions
Job FocusProviding small loans to underserved populationsAssessing loan applications, approving micro loans, client interaction

Micro Lending refers to the broader industry of providing small loans to underserved communities, while a Micro Loan Officer is a specific role within that industry responsible for evaluating and issuing these loans. The roles share similar credentials and work environments, but the term 'Micro Lending' describes the sector, whereas 'Micro Loan Officer' describes the job position.

How to start micro lending?

To start micro lending, you should research microfinance regulations in your area, develop a clear lending strategy, and establish a platform or partnership with financial institutions. Building a solid understanding of credit assessment, risk management, and borrower evaluation is essential. Many micro lenders also seek relevant certifications or training in finance or microfinance practices.
More about Micro Lending jobs

What job categories do people searching Micro Lending jobs look for?

The top searched job categories for Micro Lending jobs are:

Micro Lending jobs near you
Infographic showing various Micro Lending job openings in the United States as of August 2026, with employment types broken down into 14% Internship, 57% Full Time, and 29% Part Time. Highlights an 100% In-person job distribution, with an average salary of $40,000 per year, or $19.2 per hour.

Credit Underwriter (Commercial Real Estate)

Genesis Capital

Scottsdale, AZ

$80K - $130K/yr

Full-time

Re-posted 13 days ago

Job description

Genesis Capital (the "Company") is one of the largest business purpose lenders in the country, focused on providing commercial real estate financing solutions to real estate developers who buy, renovate, and sell single-family and/or multi-family residential real estate. The Company is a subsidiary of Rithm Capital (parent company), a publicly traded mortgage real estate investment trust.

The Credit Underwriter is responsible for evaluating new lending opportunities and performing comprehensive analysis to determine the creditworthiness of the borrower. The Credit Underwriter will evaluate the underlying project (collateral) as well as perform a financial analysis of the borrower and guarantor(s). The Credit Underwriter is responsible for managing multiple underwriting projects/tasks simultaneously, including direct borrower interaction, preparation of credit memorandums, and market analysis. The Credit Underwriter's job is to ensure Genesis Capital maintains strong credit quality in line with its policies and procedures.

Principal Duties:

ESSENTIAL FUNCTIONS include the following. Other duties may be assigned.

  • The Credit Underwriter's key responsibility is to assess risk in the borrower's business strategy/experience and their real estate projects/investments.
  • Prepare credit memorandums outlining the lending opportunity, key risks, mitigating factors, project/borrower/guarantor analysis, and credit advocacy.
    • Perform credit analysis evaluating the applicant's credit worthiness, financial strength, and loan repayment likelihood/capacity.
    • Conduct market analyses and review real estate appraisals.
    • Works with Loan Officers and Relationship Managers to obtain all required due diligence items.
    • Work with all Genesis departments including sales, loan operations, valuations, accounting, construction, and other support staff.
  • Present credit memorandums to Credit Management for review and approval.
  • Analyzes legal documentation such as corporate entity documents to understand borrower structure and works with Compliance for AML/KYC. Loan documents may also need to be reviewed.
Education and Experience

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

  • Must have bachelor's degree.
  • Minimum 3+ years in Commercial Real Estate banking or private real estate lending, in the form of underwriting, credit analysis or related experience.
  • Experience in construction lending is a plus.
  • Knowledge of complex real estate lending and loan structuring.
  • Industry knowledge of credit and financial analysis fundamentals, including cash flow analysis, balance sheet analysis, tax returns, profitability, liquidity, solvency analysis and real estate valuation.
  • Financial modeling techniques and preparation of pro-forma financial statements and NOI/DSCR analysis.
  • Knowledge of credit underwriting policies, procedures, processes, collateral valuation, and documentation.
  • Highly Proficient/Advanced in Excel, Word, PowerPoint, and database applications for pipeline management.
Knowledge, Skills, and Abilities
  • Rely on strong underwriting experience and judgment to make decisions, read and interpret data from a micro and macro perspective.
  • Ability to consolidate information from many sources to identify risks, conduct analysis and articulate a concise recommendation Ability to identify potential credit issues and appropriately escalate to management.
  • Ability to manage multiple tasks concurrently and prioritize workload to meet deadlines
  • Ability to identify potential credit issues and appropriately escalate to management.
  • Adapts to change in priorities and/or processes easily in a fast-paced work environment.
  • Excellent interpersonal, negotiation, presentation, oral, and written communication skills.

While this description is intended to be an accurate reflection of the position's requirements, it in no way implies/states that these are the only job responsibilities. Management reserves the right to modify, add or remove duties and request other duties, as necessary.

By applying to this position candidate acknowledges that this is not a remote role and is required to be on-site.

Compensation Range: $80,000 - $130,000/annual

Equal Employment Opportunity
We're proud to be an equal opportunity employer- and celebrate our employees' differences, including race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, and Veteran status. Different makes us better.

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