Underwriting Analyst

Who We Are

Motive builds technology to improve the safety, productivity, and profitability of businesses that power the physical economy. The Motive Automated Operations Platform combines IoT hardware with AI-powered applications to automate vehicle and equipment tracking, driver safety, compliance, maintenance, spend management, and more. Motive serves more than 120,000 businesses, across a wide range of industries including trucking and logistics, construction, oil and gas, food and beverage, field service, agriculture, passenger transit, and delivery.

Motive is proud to be a Forbes Cloud 100 company and a 2020 Career-Launching Company by Wealthfront.

About the Role:

We are seeking a highly motivated and experienced underwriting professional to join our Risk Management team. As an experienced underwriter, you will be responsible for reviewing and assessing the financial risk of new and existing customers, while making de

Cisions based on policy guidelines. You should have significant experience and subject matter expertise in financial services, end-to-end underwriting lifecycle, bank statement and financials decision, and risk assessment.

You'll evaluate applications, perform analysis that mitigate financial risk, and make timely and accurate decisions on application outcomes. The successful candidate will work as a member of our Risk Organization and collaborate with members from our sales, data science, product management, and other stakeholders to deliver best in class customer experience.

What You'll Do:

• Collect, review and analyze applicants relevant financial, demographic, and historic information and records.This includes, but is not limited to, analysis of business financial statements such as balance sheets, income statements and cash flow statements, bank statements, and credit reports
• Directly communicate with clients about application status and obtain additional information about an applicant to determine creditworthiness
• Make determination on whether to approve or decline an application based on policy guidelines
• Make quality decisions in a timely and efficient manner within expected SLA
• Perform document validation, evaluating and identifying suspicious or questionable items
• Recommend policy and process improvement to mitigate potential failure points throughout the underwriting journey

What We're Looking For:

• 3+ years of underwriting experience in financial services, high-growth payments, or fintech company
• Strong critical reasoning, problem solving and analytical skills
• Ability to work independently and thrive in a collaborative team environment
• Excellent oral and written communication skills
• Familiar with fundamentals of financial risk assessment
• Experience with quantitative and qualitative analysis
• Strong organization, and time management skills
• Proven experience with bank based & financial underwriting
• Highly motivated, organized, reliable, and has demonstrated competency in mathematics and financial spreading

Creating a diverse and inclusive workplace is one of Motive's core values. We are an equal opportunity employer and welcome people of different backgrounds, experiences, abilities and perspectives.

Creating a diverse and inclusive workplace is one of Motive's core values. We are an equal opportunity employer and welcome people of different backgrounds, experiences, abilities and perspectives.

• Please do not let an arrest or conviction record prevent you from applying for employment at Motive. Motive considers qualified applicants with arrest and conviction records.
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The applicant must be authorized to receive and access those commodities and technologies controlled under U.S. Export Administration Regulations. It is Motive's policy to require that employees be authorized to receive access to Motive products and technology.