Flex · 17 hours ago
Senior Commercial Underwriter
United States
Full-time
Remote
Mid, Senior Level
$120K/yr - $150K/yr
3+ years expFlex is building the AI-native private bank for business owners, re-architecting the financial system for entrepreneurs. The Senior Commercial Underwriter will conduct due diligence to determine the creditworthiness of applicants and existing customers, ensuring timely turnaround on credit product applications.
BankingCredit CardsFinTechPayments
Responsibilities
Review credit applications for credit products and analyze applicable information (credit reports, bank data, financial data, etc) to make credit decisions in accordance with the credit policy
Conduct due diligence such as performing credit searches, UCC, judgment lien and tax lien searches
Ensuring that all required documentation is received for KYC and KYB requirements
Determine appropriate credit limits based on financial information and creditworthiness
Use discretionary judgment for credit decisions not conforming to the credit policy and communicate due diligence results to senior management to obtain the necessary approvals on all exceptions to the credit policy
Responsible for conducting underwriting reviews on existing customers for credit line increases
Qualification
Required
Bachelor's degree in business, finance, or a related field
2+ years of experience in commercial credit underwriting
Strong financial background with excellent analytical skills. Ability to analyze financial statements a plus
Ability to formulate and articulate objective views based on professional credit analysis
Excellent interpersonal skills including the ability to manage and deal tactfully with different communication styles
Must be able to work well with people at all levels within and outside the company
Strong decision-making skills needed; using sound business judgment considering impact of decisions on other aspects of the business
Comfortable managing high risk accounts and being accountable for decisions
Must have computer knowledge with strong Excel skills
Must exercise considerable judgment and discretion involving confidential information
Must have excellent time management and organization skills
Must be able to handle multi-tasks and be able to prioritize workload
Demonstrated integrity on personal as well as professional level
Ability to research and provide solutions to obstacles using logical and analytical problem-solving skills
Strong attention to detail
Must be available during US EST timezone working hours
Preferred
3+ years of experience in commercial credit underwriting. More experience is a plus
Benefits
A visionary founding team with elite backgrounds and substantial industry experience
A substantial Series A round, providing ample growth and opportunities
A culture that supports remote work and values connection through semi-annual offsites
Support from leading Silicon Valley venture capitalists and industry insiders
An attractive compensation package, including comprehensive benefits and perks
A chance to join a high-growth fintech startup with an exciting mission and customer base
Real upside — Meaningful equity if you help build something big
Company
Flex
Flex is a financial technology company that offers an end-to-end finance platform that integrates business and personal finance management.
51-200 employees
Funding
Current Stage
Growth StageTotal Funding
$408MKey Investors
Portage VenturesTitanium VenturesVictory Park Capital
2025-12-04Series B· $60M
2025-03-05Series A· $25M
2025-03-05Debt Financing· $200M
Leadership Team
Zaid Rahman
Founder & CEO
Recent News
Chicago Tribune
2026-01-19
2026-01-16
Soma Capital
2026-01-14
Company data provided by crunchbase