Optimize Partners

Underwriter - Commercial Loans (Optimize Partners)

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  • Location
    New York, NY, United States
  • Salary ($ per year)
  • Category
  • Employment type
    Full time


  • Commercial Banking
  • Underwriting


Optimize Partners provides IT staffing solutions to tech startups and Fortune 500 companies in the New York metro area, and beyond. One of our clients, a fast growing FinTech company that provides an online marketplace for commercial loans to small businesses, is looking to hire several underwriters with comercial real estate credit lending experience. These underwriters will be responsible for full-cycle underwriting of proposes funding amounts and terms to small businesses. 


  • Work with the Relationship Managers, and liaison with attorneys & title companies in structuring, analyzing and negotiating credit transactions
  • Responsible for full cycle Commercial Real Estate - Underwriting of assigned small business funding deals
  • Determine ability of the borrower to repay a funded deal based on analysis of the business owner's cash flow statements, tax returns, and other financial information
  • Perform detailed financial analysis on the small business, including trend and ratio analysis, and interpret the financial information to determine credit quality and cash flow adequacy
  • Perform credit analysis and financial statement analysis on business owners, guarantors, and individuals to determine assets coverage for requested funding amounts

Qualifications & Skills

  • A bachelor's degree in a related field (i.e. accounting, finance, etc. )
  • 1+ years of experience as an underwriter at a financial institution or financial tech SaaS company

Offered benefits

  • Excellent Medical and Dental healthcare insurance
  • 401K plan with employer match
  • Ample paid time off

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