Senior Underwriter - Sioux Falls, SD

Description

Full-Time, Non-Exempt

Sioux Falls, SD – In-Office

Compensation: $30.00–$32.00 / hour DOE

Make Confident Credit Decisions. Manage Complex Risk. Help Small Businesses Grow.

About Expansion Capital Group (ECG)

ECG provides financing solutions that help small businesses access the capital they need to grow. Our team specializes in efficient, non-traditional lending, balancing speed with strong credit discipline and a commitment to doing things the right way.

We are looking for a Senior Underwriter to support our Underwriting team.

This role is ideal for an experienced underwriter who enjoys evaluating complex lending opportunities, analyzing financial information, and making sound credit decisions. You'll play a key role by reviewing complex financing requests, partnering with internal teams, and helping ensure funding decisions are accurate, timely, and aligned with ECG's lending philosophy. If you're analytical, decisive, and motivated to make a meaningful impact, this is a strong opportunity.

In this role, you'll independently evaluate credit requests, collaborate across departments, and help balance responsible lending with business growth.

• Review and evaluate complex small business financing requests requiring manual underwriting
• Analyze financial information, credit profiles, supporting documentation, and risk factors
• Make independent credit decisions using established underwriting guidelines
• Evaluate exception-based lending scenarios while maintaining risk tolerances
• Review documentation for completeness, accuracy, and compliance prior to funding
• Generate contract requests and validate funding documentation
• Partner with Sales, Underwriting Processing, Merchant Support, and other teams
• Communicate professionally with merchants, referral partners, and lenders
• Resolve complex underwriting questions and funding scenarios
• Identify opportunities to improve underwriting quality and operational efficiency

• Advanced commercial underwriting and credit analysis
• Complex risk assessment and exception-based lending
• Cross-functional collaboration across ECG's lending operations
• Strategies for balancing portfolio quality with business growth
• Continuous improvement within a growing fintech organization

• Meaningful Impact:
  Make credit decisions that directly influence funding outcomes
• Challenging Work:
  Evaluate complex commercial lending opportunities
• Growth Potential:
  Continue developing your underwriting expertise
• Team Environment:
  Collaborative, fast-paced, and execution-focused
• Consistency:
  Monday–Friday schedule with predictable hours

• In-office role based in Sioux Falls, SD or Sandy, UT
• Professional office environment with a collaborative team atmosphere

Strong candidates typically have experience in:

• Commercial or small business underwriting
• Financial analysis and credit decision-making
• Manual underwriting and exception-based lending