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    Underwriter - Atlanta, United States - Liberis

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    Description
    Underwriter


    Reporting to:
    Head of Underwriting


    Location:
    Atlanta, Georgia, United States

    Who we are and why we exist


    At Liberis - merchants matter most We've been on a mission to provide small and medium businesses (SMEs) with accessible and responsive finance since 2007.

    SMEs account for most businesses worldwide and are critical contributors to job creation and global economic development. They represent about 90% of businesses and more than 50% of employment worldwide.

    Despite this, more than three quarters (77%) of SME businesses last year were unable to secure the traditional bank financing they desperately needed to grow and thrive.

    This has created a $5 trillion funding gap for SMEs globally.

    That's where Liberis steps in To best help small businesses, Liberis has built the leading global embedded finance platform.

    Through this, Liberis provides partners with the technology and financial solutions necessary to offer personalised and accessible funding to their small business customers.


    To date with ~20 global strategic partners and direct reach to more than 1 million small businesses, Liberis has provided $1 bn of funding in over 50,000 transactions, enabling more than 100,000 jobs to be created and saved.

    We are making a genuine difference to your local pub, hairdresser and online retailer


    We are in a very exciting period of growth, in the UK and internationally, with teams based in London, Nottingham, Stockholm, Atlanta, Munich and remotely.

    We are looking for talented and ambitious individuals to help us reshape business finance.

    How we work is as important to us as what we do - exemplified by our behaviours:

    #1

    Merchants matter most

    - our success is tied to our merchants' success

    #2

    Act like time is running out

    - the fastest company in a growing market will win

    #3

    Own every outcome

    - the hardest problems we face are yet to be solved

    #4

    Communicate directly

    - we don't have time to beat around the bush

    #5

    Prove it

    - every feature we build, decision we make and action we take, matters

    #6

    Empathy always

    • Liberis wins when every employee thrives
    If our mission and behaviours resonate - get in touch

    Who are we?


    We are the Risk team responsible for managing the credit risk of Liberis' portfolios, which include designing effective new strategies, managing the credit quality of our products across geographies, and providing specialist credit risk advice to the business.


    The Risk team is primarily based in London with colleagues in Atlanta, US and Stockholm, Sweden too and covers Risk Analytics, Decision Science and Underwriting.

    Our mission is to grow Liberis profitably to become the leading embedded business finance provider and we are now looking for an Underwriter to join us on this journey.

    Who are you?


    You are someone that is excited by the prospect of a challenge, appreciate autonomy and the space to generate your own ideas and are passionate about finance that serves to support small businesses, not just turn a profit.


    Reporting to the Head of Underwriting and based out of our Atlanta office you will be responsible for underwriting new finance proposals that both protect and deliver value to Liberis.

    You will have the opportunity to use your experience to enhance our underwriting process while ensuring we stay within the organisation's risk appetite.

    Responsibilities

    Underwriting new and repeat business requests, investigating multiple different pieces of information to make sound, rational decisions.
    Direct liaison with prospective customers to obtain additional information as well as potentially relaying approve/decline decisions.

    Acting as a referral point for internal stakeholders, specifically focused around ensuring the correct policies and procedures are being followed.

    Constantly challenging the way in which we underwrite to ensure we always have the right balance between customer experience and protecting Liberis from any potential risk.

    We think you'll need

    Previous experience in an underwriting role, particularly small business finance
    Confident in making decisions and being able to articulate these effectively
    Strong attention to detail
    Excellent verbal and written communication skills
    Ability to convey complex findings in a logical and easy-to-understand style
    Ability to refocus as needed to support a rapidly growing and evolving company

    What happens next?


    Think this sounds like the right next move for you? Or if you're not completely confident that you fit our exact criteria, apply anyway and we can arrange a call to see if the role is fit for you.

    Humility is a wonderful thing, and we are interested in hearing about what you can add to Liberis

    #LI-CG1
    #J-18808-Ljbffr


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