Business Loan Underwriter

Job Overview

IOU Financial
Kennesaw, GA
Local candidates OR Out-of-state (fully remote) candidatees
Full-Time / 10-7pm EST
No travel required
Competitive salary range

Job Description

We are seeking a detail-oriented and experienced Business Loan Underwriter to join our growing team. In this role, you will assess, analyze, and decision commercial loan applications while balancing risk, accuracy, and speed. The ideal candidate is a proactive communicator with a strong analytical mindset and a passion for delivering exceptional partners and external clients.

Responsibilities

• Review and underwrite commercial loan applications by analyzing creditworthiness, financial strength, and overall risk.
• Manage and prioritize a pipeline of deals, ensuring timely decisions while maintaining quality and risk controls.
• Conduct thorough evaluations of cash flow, bank statements, credit reports, financial statements, and supporting documentation.
• Prepare clear, concise, and well-supported credit decisions that outline borrower strengths, weaknesses, and key risk
  factors.
• Collaborate closely with processing, sales, and operations teams to ensure smooth and accurate loan workflow.
• Assist with loan processing and customer service functions when needed to support departmental goals.
• Contribute positively to team culture, fostering a cooperative, productive, and solution-focused environment.

Qualifications

• 3+ years of professional experience in underwriting, loan processing, or a related financial services role.
• Prior experience with commercial, consumer, or mortgage lending preferred.
• Experience working with brokers or in wholesale lending is a strong plus.
• Strong understanding of lending policies, financial analysis, and credit evaluation.
• Proficiency with Microsoft Word, Excel, and PowerPoint.
• Excellent written and verbal communication skills.
• Strong interpersonal skills with the ability to work independently and collaboratively.
• Highly organized, detail-oriented, and able to meet deadlines in a fast-paced environment.
• Positive, team-oriented attitude with a desire to contribute to a healthy and engaging team culture.
• High School diploma required;
  Associate’s Degree preferred.

About IOU Financial

IOU Financial is a leading online lender that provides quick and easy access to growth capital to small businesses through a network of preferred brokers across the U.S. Built on its proprietary IOU
360 technology platform that connects underwriters, merchants and brokers in real time, IOU has become a trusted alternative to banks by originating over $1.5 billion in loans to fund small business growth since 2009. IOU was named one of the “Top Places to Work in Fintech for 2025 by American Banker.” For more information, please visit IOU's website at