Splash · 21 hours ago
Junior Underwriter
United States
Full-time
Remote
Entry Level
$28.85/hr - $28.85/hr
2+ years expSplash Financial is a company dedicated to helping people manage their debt and achieve their financial dreams. The Junior Underwriter will analyze financial documentation and assess borrower repayment ability while ensuring compliance with lending practices and maintaining customer satisfaction.
Artificial Intelligence (AI)Financial ServicesFinTechLending
Responsibilities
Conduct credit underwriting, income analysis, and assess borrower documentation to determine repayment ability and loan resolution
Follow internal AML/CIP policies and procedures Ensure compliance with, Bank Secrecy Act (BSA), USA PATRIOT Act, and OFAC requirements (as applicable)
Support internal and external audits, exams, and regulatory rules
Identify missing, inconsistent, or high-risk information and proactively seek resolution
Document customer interactions accurately in the CRM and LOS systems for continuous improvement
Maintain accurate, thorough documentation of underwriting decisions and customer interactions in CRM and LOS systems
Utilize specialized systems, tools, and spreadsheet calculators, adhering to lending regulations and Fair Lending practices
Analyze financial information, including income, debt ratios, and credit review, while keeping up to date on credit policy changes
Meet or exceed productivity, accuracy, and turnaround time targets
Demonstrate sound judgment while escalating complex or out-of-policy scenarios appropriately
Maintain a strong quality score through consistent adherence to underwriting standards
Deliver a customer-focused experience while balancing speed, risk, and compliance
Show steady progression in underwriting proficiency, independence, and decision-making
Qualification
Required
Minimum 2 years of experience in credit Underwriting, credit analysis, loan processing, or financial services operations
Demonstrated knowledge of underwriting practices related to lending and consumer credit reports
Advanced MS Excel skills, including macros and pivot tables, and familiarity with financial services industry tools
Strong commitment to customer service and proven teamwork with internal and external partners
A customer-first mindset with the ability to collaborate effectively across teams
Willingness to learn, adapt, and grow in a fast-moving, technology-driven environment
Preferred
Experience in fintech, consumer lending, or high-volume underwriting environments
Exposure to fair lending regulations (ECOA, FCRA, UDAAP)
Interest in career growth toward Senior Underwriter or Credit Strategy roles
Benefits
Fully remote work freedom
Competitive salary packages
Flexible PTO + 9 company holidays
Equity: Share in our start-up success
Comprehensive and affordable insurance benefits
Paid parental leave for both caregivers
Essential equipment to get the job done
401(k) for your future savings
Quarterly meet-ups: In person & virtual fun
Awesome Splash swag to flaunt your team spirit
Company
Splash
Splash is a leading AI-enabled lending marketplace that connects consumers with a network of credit unions and banks.
51-200 employees
H1B Sponsorship
Splash has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (5)
2024 (1)
2022 (1)
2021 (1)
Funding
Current Stage
Growth StageTotal Funding
$130.9MKey Investors
Grand Oaks CapitalDST GlobalCUNA Mutual Group
2025-09-17Series C· $70M
2021-06-17Series B· $44.3M
2020-05-26Series A· $12.3M
Leadership Team
Steven Muszynski
Founder & CEO
Patrick Leimkuehler
COO
Recent News
alleywatch.com
2025-09-22
vcnewsdaily.com
2025-09-19
FinTech Global
2025-09-19
Company data provided by crunchbase