Underwriting Analyst - Remote

**About World Business Lenders** [**About Us**](https://wbl.com/about-us) World Business Lenders (WBL) provides short-term, real estate–collateralized commercial loans to small and medium-sized businesses across the United States that do not have access to traditional financing. The company also services its own loan portfolio and those of third parties, with a focus on managing non-performing loan pools and REO. * WBL is a U.S.-based company with a fully remote workforce. * Working hours are 9:00am–6:00pm Eastern Time, Monday through Friday. * The role requires strong spoken and written English. * All resumes must be submitted in English. ### **Overview** * The role requires near-zero errors in credit sheets and CRM data entry, basic product knowledge, effective inter-departmental communication, and a solid understanding of underwriting concepts and internal guidelines. ### **Job Duties and Responsibilities** * Get credit analysis ready to help support well-informed credit recommendations. * Review business bank statements, financial statements, tax returns, and cash flow statements to perform thorough investment analyses. * Work on structuring and underwriting complex credit applications, balancing profitability goals with risk guidelines. * Create financial models that help analyze both individual loan performance and overall portfolio health. * Make sure all loan applications are underwritten following WBL’s underwriting guidelines, policies, and procedures. * Prepare underwriting forms (using Excel) and Loan Approval forms for review, ensuring all information is complete and accurate. **Requirements** * **Education:** * Bachelor’s Degree (required) * **Experience:** * At least 2 years of experience in underwriting, credit analysis, lending, or banking * Experience with financial analysis or structured credit work is a big plus **Preferred Background / Industry Experience** * Lending Industry * Banking Sector **Specific Technical Skills Needed** * Intermediate MS Excel proficiency * Ability to analyze: * Financial statements (P&L, balance sheet, cash flow) * Bank statements * Tax returns * Basic financial modeling capability * Understanding of credit underwriting principles **Specific Soft Skills Needed** * Strong analytical mindset * High attention to detail * Stress tolerance * Self-learner / ability to work independently **Benefits** * Enjoy Paid Time Off (PTO) to recharge * Salary paid in USD * Work comfortably 100% from home