GoodBread · 1 day ago
Client-Facing Small Business Loan Underwriter - Contract
United States
Contract
Remote
Senior Level
5+ years expGoodBread is a small business lending platform focused on serving entrepreneurs often overlooked by traditional finance. They are seeking a client-facing underwriter to support small business loan origination, responsible for reviewing loan applications, validating borrower data, and communicating decisions to applicants.
Financial Services
Responsibilities
Review loan applications using defined underwriting criteria, decision frameworks, and tools
Analyze real-time cash flow, bank statements, and qualitative business information
Identify risks, inconsistencies, or missing information requiring follow-up
Produce clear underwriting summaries and decision recommendations (approve, conditional approve, decline)
Act as a direct point of contact for applicants during underwriting
Request additional documentation or clarification clearly and efficiently
Communicate decisions to applicants, including rationale and next steps
Deliver declines in a way that is respectful, transparent, and informative, ensuring applicants understand the outcome
Collect, organize, and validate required borrower data
Ensure each application file is complete, accurate, and decision-ready
Maintain clean records across underwriting and CRM systems
Flag edge cases or recurring issues to improve underwriting workflows
Follow established underwriting processes and turnaround expectations
Exercise sound judgment in nuanced cases and escalate when appropriate
Provide feedback on recurring borrower questions, friction points, or data gaps
Contribute to improving templates, decision notes, and internal documentation
Initial review of new applications within 1-2 business days
Follow-up requests are sent within 24-48 hours of identifying missing information
Final underwriting decisions are issued within 48-72 hours of receiving a complete application, barring exceptions
On time for meetings, responsive to email within 24 hours max
Ability to manage fluctuating application volume
Meet agreed-upon weekly capacity commitments
Proactive communication if capacity constraints arise
Underwriting recommendations aligned with established credit policy and risk tolerance
Clear, well-documented decision rationale in internal systems
Accurate, thorough documentation, minimal rework or correction rate on underwriting files
Professional, clear, and empathetic communication with applicants
Applicants understand next steps and decision outcomes, including declines
Consistent tone and messaging aligned with company standards
Qualification
Required
At least 5 years of prior experience in small business underwriting, credit review
Comfort reviewing bank statements, cash flow, and small business financial data
Strong written and verbal communication skills with non-financial audiences
Close attention to detail and strong organizational skills
Ability to exercise independent judgment within defined frameworks
Reliable availability during agreed working windows
Preferred
Experience working directly with small business owners
Familiarity with fintech, alternative lending, or CDFI environments
Comfort working with evolving processes and early-stage systems
Experience with underwriting tools, CRMs, or workflow software
Company
GoodBread
GoodBread is on a mission to make more capital available to the millions of entrepreneurs largely overlooked by the current banking system, using a mobile-first lending platform that integrates proprietary character assessment and behavioral models to better identify credit-worthy applicants.
2-10 employees
Funding
Current Stage
Early StageCompany data provided by crunchbase