Senior Underwriter

Akrapoint is a growing national equipment finance company built by KKR and managed by an experienced team of industry professionals with a vision to create a modern, high-performing commercial lending platform. We provide equipment financing solutions to businesses across a wide range of industries, combining deep credit and finance expertise with technology, streamlined processes, and a strong commitment to our customers and partners.

We are building a culture centered on integrity, collaboration, success, and giving talented people the autonomy and opportunity to make a meaningful impact as the company grows.

SENIOR UNDERWRITER

Department: Credit
Classification: Senior Credit Professional / Technical Leader
Reports To: Portfolio Manager, or other designated Credit leader
Base Salary Range: $95,000-$120,000
Annual Discretionary Bonus Opportunity: 10% of base salary
Typical Delegated Credit Authority: $750,000-$1,000,000, subject to formal delegation

Benefits: Comprehensive benefits package including medical, dental, vision, and 401(k). Unlimited PTO with approval, and bank holidays. Opportunities for professional development and advancement.

Position Summary

The Senior Underwriter is an experienced commercial credit professional and technical leader responsible for underwriting and approving significant and complex equipment finance transactions. This position is expected to have material exposure to and expertise within specific equipment finance industry segments.

The Senior Underwriter is expected to be capable of analyzing substantially any credit opportunity presented to the Company and forming a well-supported independent judgment regarding creditworthiness, transaction structure, collateral support, and appropriate risk mitigation.

In addition to personally underwriting transactions, the Senior Underwriter is responsible for strengthening underwriting quality across the department through coaching, review, technical leadership, portfolio awareness, and development of junior credit personnel.

Primary Responsibilities and Duties

• Lead the underwriting of significant, complex, or higher-risk commercial equipment finance transactions.
• Perform comprehensive analysis of borrower and guarantor financial condition, cash flow, leverage, liquidity, repayment capacity, projections, capital structure, contingent liabilities, and global financial support.
• Evaluate complex corporate structures, ownership groups, affiliates, acquisitions, customer concentrations, industry risks, and other material qualitative factors.
• Evaluate collateral quality, equipment values, useful life, secondary-market considerations, advance levels, transaction structure, guaranties, and other risk mitigants.
• Develop appropriate credit structures and conditions that balance business opportunity with prudent risk management.
• Approve, decline, or condition transactions within assigned authority.
• Provide senior-level recommendations on transactions requiring Portfolio Manager, Credit Officer, CRO, or committee approval.
• Serve as an escalation point for challenging underwriting questions, unusual transactions, financial-analysis issues, policy interpretation, and credit structuring.
• Review and challenge analyses prepared by junior credit professionals when appropriate.
• Mentor and train analysts in financial analysis, underwriting methodology, credit writing, risk identification, transaction structuring, and decision-making.
• Promote consistency and quality in underwriting standards throughout the department.
• Participate in customer calls, management discussions, and customer or collateral site visits.
• Maintain current knowledge of economic conditions, equipment markets, industries, credit trends, portfolio performance, and emerging risk issues.
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