Position Responsibilities

The Senior Underwriting Analyst reviews finance applications from small to mid-sized businesses to determine the credit worthiness of the applicant and size and term of the financing offer. The position will operate within our fast-paced high-volume environment and be accountable for quick decisioning on working capital applications. 

This position is responsible for underwriting and processing working capital credit requests originating from ISO broker parters. This will include verifying and screening prospective customers through processes created or resources implemented by Channel. In addition, the position is responsible for the monitoring of partner activities, portfolio, and ramp-up. 

The best candidates will make independent decisions through evaluation of business and personal credit reports, financial and bank statements, tax returns and other credit information. Key qualities are to be self-motivated, team-oriented, and eager to be a part of a rapidly growing business.

Key Responsibilities

• Adjudicate credit and approve new finance applications within level of authority
• Make timely decisions with limited information
• Build relationships and offer exceptional service to our partners to ensure continued flow of business
• Communicate and work proactively with the sales team to help further penetrate our relationships with existing and new customers
• Protect the company from fraud by monitoring partner activities, portfolio, and ramp-up 
• Verify and screen prospective customers through created process and alternate resources 
• Keep abreast of industry and competitor trends

Skills & Specifications

• Strong math and analytical skills
• Able to multitask and highly adaptable to change
• Detail-oriented with excellent organizational and time management skills
• Competitive drive and a strong history of accomplishment
• Good interpersonal relationship skills and motivation for personal growth
• Required knowledge of computer systems and proficiency in Microsoft Office (Excel and Word)
• Strong understanding of financial statements

Education & Qualifications:

• 5+ years in a financial services, credit, or underwriting function
• Experience in a commercial underwriting function working with small businesses is a plus
• Associate or Bachelor’s degree or equivalent education/experience is preferred

Company Summary

Elite is a national provider of small business financing solutions, focused on delivering speed, certainty, and consistency to our partner network across a broad range of credit profiles. We operate in a large and growing industry and are executing a clear strategy to become a core funding partner for our key relationships.

Over the past several years, Elite has built a strong foundation defined by deep partner relationships, disciplined credit performance, and consistent execution. As we enter our next phase of growth, we are intentionally expanding our risk appetite through risk-based pricing, increasing funding capacity, and investing in operational scale, technology, and talent to support higher volumes without sacrificing credit quality or profitability.

At Elite, we believe sustainable growth is achieved by pairing robust partnerships with strong credit judgment and efficient, scalable operations that deliver consistently for our partners. We’re making targeted investments in leadership, staffing, and technology to ensure we can grow responsibly while delivering strong returns and a best-in-class experience.

Elite offers a collaborative, performance-driven environment where team members are empowered to make data-informed decisions. We are committed to developing our people, modernizing our operating model, and positioning Elite as a long-term, trusted funding partner in the small business finance ecosystem.

The company offers a flexible work environment and encourages innovation and team member development. Benefits include medical, dental, and vision plans with HSA and FSA options; life insurance and disability plans; along with a generous PTO policy and employer-match company 401K plan.