Director, Small Business Credit Underwriting

• Lead manual underwriting for the small business lending portfolio
• Own day-to-day underwriting execution and credit decision quality
• Scale the underwriting team as volume grows
• Bring forward new data sources and approaches to improve the credit decisioning framework
• Manage queue operations, decision quality, turnaround time, and adherence to credit policy
• Personally adjudicate and review the largest and most complex commercial exposures, including escalations and exceptions
• Lead, coach, and grow a team of 8–10 underwriters across multiple locations
• Build hiring, training, calibration, and quality assurance structures
• Define and manage operating metrics including capacity models, productivity, decision accuracy, override rates, and exception rates
• Partner with decision science and credit policy to codify underwriter judgment into scorecards, rules, and automated decisioning
• Contribute to credit policy development, including tiering, exception frameworks, and manual-review thresholds
• Work with product, engineering, and operations partners to improve underwriting workflows and tooling
• Represent underwriting in portfolio, loss, and audit reviews with data-backed analysis

• Bachelor’s degree in finance, accounting, economics, or a related field
• 10 years of experience in commercial or small business credit
• Track record of underwriting large-dollar commercial exposures and making the final call on them
• Strong financial statement analysis skills, including business financials, bank statements, and cash flow
• 5 years managing people, including direct leadership of teams of 5–10 or more
• Demonstrated ability to hire, develop, and retain underwriting talent
• Experience running a production credit environment with SLAs, capacity constraints, and volume growth
• Experience improving operations measurably
• Comfort using data and analytics and conversing with modelers and data scientists
• Sound judgment under ambiguity and credibility to defend credit decisions to senior stakeholders
• Valid and unrestricted U.S. work authorization; candidates requiring sponsorship now or in the future will not be considered

Demonstrates expertise in manual underwriting for small business lending, with a strong focus on credit decision quality, team leadership, and operational efficiency. Proficient in financial statement analysis and capable of managing complex commercial exposures while improving underwriting processes through data-driven insights.

• Manual Underwriting
• Financial Statement Analysis
• Team Leadership
• Credit Policy Development
• Data-Driven Decision Making

• Underwriting
• Credit Decisioning
• Financial Analysis
• Capacity Modeling
• Operational Improvement
• Commercial Credit
• Data Analytics
• Risk Assessment
• Quality Assurance
• SLA Management

• Leadership
• Coaching
• Judgment Under Ambiguity
• Communication
• Collaboration

• Small Business Lending
• Credit Policy
• Commercial Exposures
• Production Credit Environment
• Underwriter Judgment