Risk Analyst I

Overview

Motive is seeking a Risk Analyst I (underwriting professional) to join its Risk Management team, reviewing and assessing the financial risk of new and existing customers under policy guidelines.

What you'll do

• Collect, review and analyze applicants' relevant financial, demographic, and historic information and records, including business financial statements (balance sheets, income statements, cash flow statements), bank statements, and credit reports.
• Directly communicate with clients and sales about application status.
• Clearly articulate why and when additional documents are needed to determine a client's creditworthiness.
• Determine whether to approve, decline or seek an exception for an application based on policy guidelines.
• Make quality decisions in a timely and efficient manner within expected SLA.
• Perform portfolio management, evaluating and identifying suspicious or questionable items.
• Recommend policy and process improvements to mitigate potential failure points throughout the underwriting journey.
• Perform bank statement analysis, financial spreading and risk ratio analysis culminating in an underwriting memo.

What you'll need

• 2-5 years of underwriting experience in financial services, high-growth payments, or fintech company.
• Proven experience with bank based and financial underwriting.
• Strong critical reasoning, problem solving and analytical skills.
• Ability to work independently and thrive in a collaborative team environment.
• Excellent oral and written communication skills.
• Familiar with fundamentals of financial risk assessment.
• Familiar with the U.S. compliance, lending and regulatory environment (KYC, Reg B, Reg Z, UDAAP, FCBA, Truth in Lending Act).
• Experience with quantitative and qualitative analysis.
• Strong organization and time management skills.
• Highly motivated, organized, reliable, and has demonstrated competency in mathematics and financial spreading.

Details

• Location: Pakistan - Remote.
• Some interviews or new-hire training sessions may be held in person at one of Motive's global offices.
• Applicant must be authorized to receive and access commodities and technologies controlled under U.S. Export Administration Regulations.