Underwriting Analyst

| Greater Denver Area
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About the role:

Underwriters are individual contributors responsible for developing high-quality comprehensive risk profiles of small business owners based on financial and credit information gathered from a variety of sources. The Underwriters are also heavily involved in providing detailed information to key internal and external stakeholders on the risk profiles they develop.

What you’ll be doing:

  • Underwrite small business new loan applications and account reviews by combining your commercial lending experience and Enova’s sophisticated technology and analytics solutions.
  • Evaluate credit worthiness by preparing underwriting documentation and present approvals to the underwriting committee
  • Maintain key performance indicators to meet the effectiveness and quality of the team and processes
  • Ensure adherence to all applicable lending policies, procedures, and regulatory compliance
  • Comply with policies and procedures to ensure underwriting functions are performed in a timely, efficient, and professional manner

We're excited about you if you have:

  • 0-1 years’ experience in financial / credit analysis
  • Ability to analyze commercial bank statements and credit reports.
  • Experience running and interpreting business reports.
  • Strong basic math and data entry skills.
  • Ability to maintain confidentiality.
  • Improves performance from learned experiences and responds to constructive criticism in a positive and effective manner.
  • Excellent oral and written communication skills with a demonstrated commitment to delivering high quality and effective customer service experiences.
  • Exercises sound, professional judgment with independent decision making and a high level of discretion.
  • Demonstrated capability to interface and maintain effective relationships with administration, staff and consultants in a team-oriented environment.
  • Proven ability to maintain professionalism and patience when faced with difficult and demanding situations.
  • Detail oriented, logical, and methodological approach to problem solving.

For Colorado-based candidates, the budgeted range is $45,000-50,000 but actual compensation may vary based on experience including a candidate’s qualifications, skills, competencies and experience and may fall outside of the range shown. The successful candidate may also be eligible to participate in incentive plans, and the Company’s benefits plans.  More details about our company benefits can be found at the following link: Enova Benefits

Our Enova SMB Team:

To our customers, we have three different brands focused on small business--OnDeck, Headway, and The Business Backer. Within the company, though, we know all brands are really one single team. Team members in Denver, NYC, Cincinnati, Virginia, and Chicago offices work together closely to ensure we are offering a best in class experience for our small business customers, and our various partners in the industry.

About Enova:
Enova is a leading financial technology company providing online financial services through its AI and machine learning powered lending platform. Enova serves the needs of non-prime consumers and small businesses, who are frequently underserved by traditional banks. Enova has provided more than 7 million customers with over $40 billion in loans and financing with market leading products that provide a path for them to improve their financial health. Want to learn more? Just ask any of our almost 1,500 employees.

Our goal at Enova, we believe that diversity and inclusion among our teammates is critical to our success as a global company, and we seek to recruit, develop and retain the most talented people from a diverse candidate pool. It is our policy to provide equal employment opportunity for all persons and not discriminate in employment decisions by placing the most qualified person in each job, without regard to any other classification protected by federal, state, or local law. California Applicants: Click here to review our California Privacy Policy for Job Applicants.

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Technology we use

  • Engineering
  • Product
  • Sales & Marketing
    • AWS (Amazon Web Services)Languages
    • GolangLanguages
    • JavascriptLanguages
    • PythonLanguages
    • RLanguages
    • RubyLanguages
    • SqlLanguages
    • ReactLibraries
    • Ruby on RailsFrameworks
    • Vue.jsFrameworks
    • MongoDBDatabases
    • PostgreSQLDatabases
    • ConfluenceManagement
    • JIRAManagement
    • WordpressCMS
    • SalesforceCRM
    • MarketoLead Gen

Location

Across the street from Civic Center Park and a short walk from the Capitol Building.

What are Enova Perks + Benefits

Culture
Volunteer in local community
Partners with Nonprofits
Friends outside of work
Intracompany committees
Open door policy
Pair programming
Open office floor plan
Diversity
Dedicated Diversity/Inclusion Staff
Unconscious bias training
Diversity manifesto
Someone's primary function is managing the company’s diversity and inclusion initiatives
Diversity Employee Resource Groups
Hiring Practices that Promote Diversity
Health Insurance & Wellness Benefits
Flexible Spending Account (FSA)
Employees have the option to set aside pre-tax dollars to pay for eligible Medical, Dental and Vision expenses as well as eligible child care expenses.
Disability Insurance
Our short-term plan provides a level of continued income in the event you become disabled and cannot work. Should your disability extend past 26 weeks, LTD kicks in at 60% of base monthly earnings.
Dental Benefits
Employees can choose from two dental plans including one that is offered at no cost for employee-only coverage.
Vision Benefits
Our Vision plan provides affordable eye care and discounts to cover routine eye exams, prescription eyeglasses or contact lenses.
Health Insurance Benefits
We offer employees flexibility to choose from several comprehensive medical plans.
Life Insurance
Our basic life insurance plan is a core benefit provided by the company at no cost to you. You can purchase additional life insurance for yourself, spouse or domestic partner and eligible dependents.
Pet Insurance
You have the option to elect pet insurance which includes coverage for veterinary expenses related to accidents and illnesses.
Wellness Programs
Onsite Gym
Team workouts
Mental Health Benefits
Retirement & Stock Options Benefits
401(K)
401(K) Matching
We provide employees with a 401(k) matching plan managed by Fidelity. We match 50% of contributions up to 3% of an employee's annual gross pay.
Company Equity
Performance Bonus
Match charitable contributions
Child Care & Parental Leave Benefits
Child Care Benefits
Generous Parental Leave
Flexible Work Schedule
Remote Work Program
Family Medical Leave
Return-to-work program post parental leave
Company sponsored family events
Vacation & Time Off Benefits
Generous PTO
Paid Volunteer Time
Sabbatical
Eligible employees get 20 days of paid sabbatical after their first 5 years of working at the company.
Paid Holidays
Perks & Discounts
Beer on Tap
Casual Dress
Commuter Benefits
Company Outings
Game Room
Stocked Kitchen
Some Meals Provided
Happy Hours
Parking
Relocation Assistance
Fitness Subsidies
Home Office Stipend for Remote Employees
Professional Development Benefits
Job Training & Conferences
Each department gets a set budget every year to send their own team members to job training and conferences relevant to their job and development.
Tuition Reimbursement
Team members are eligible to apply for tuition reimbursement for various career and professional development opportunities.
Diversity Program
Lunch and learns
Cross functional training encouraged
Promote from within
Mentorship program
Continuing Education stipend
Online course subscriptions available
Customized development tracks
Paid industry certifications

Additional Perks + Benefits

Sabbatical program • Recognition programs • Commuting reimbursement • Monthly social events • Discounted gym memberships • Pet insurance

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