About this role
We are looking for a Junior Underwriting Analyst. This position plays a key role in evaluating loan applications, verifying documentation, and ensuring that credit decisions are made in accordance with company policy and regulatory standards. This position supports the underwriting team in making consistent, data-driven decisions while maintaining a strong focus on accuracy, compliance, and customer experience.
Key Responsibilities
-Review and assess loan applications to determine applicant eligibility, accuracy, and completeness. -Verify applicant information including income, employment, identification, and credit data against internal and external documentation sources. -Analyze supporting documents such as, bank statements and credit reports to validate applicant data. -Apply credit risk policies and underwriting guidelines to make preliminary recommendations for approval, decline, or escalation. -Prepare underwriting summaries and documentation to support credit decisions and maintain audit readiness. -Monitor application queues to ensure timely processing and SLA compliance. -Collaborate with senior underwriters and risk analysts to clarify ambiguous cases or exceptions. -Communicate effectively with internal teams (customer support, operations, collections) to resolve discrepancies or obtain missing information. -Ensure compliance with all relevant credit and consumer protection regulations, including disclosures, adverse action notices, and data privacy requirements.
Qualifications
1. Bachelor’s degree in Finance, Economics, Accounting, Business Administration, or a related field (or equivalent experience). 2. 1–2 years of experience in underwriting, loan processing, or credit analysis preferred (internship experience acceptable for entry-level). Strong analytical and decision-making skills with attention to detail. 3. Familiarity with credit scoring, lending criteria, and consumer lending regulations. 4. Excellent written and verbal communication skills. 5. Proficiency with spreadsheets, loan origination systems, and CRM tools.
Preferred Skills
-Experience in fintech, consumer lending, or microfinance environments. -Knowledge of automated underwriting systems or decision engines. -Understanding of credit bureau data and risk modeling concepts. -Bilingual (English/Spanish) is a plus.
Join our Kiwi team!