Credit Underwriter with Contractor Support

Pay rates starting at $23.50 per hour, with 7.5% monthly bonus incentive eligibility!

Shifts available from:

• M-F 1-9:30 pm or similar
• Four 10-hour shifts (remote) Thursday-Sunday or Friday-Monday
• Part Time Weekday Evenings, 5:30-9:30 or similar
• Part Time Weekends, Saturdays 9-5 pm and/or Sundays 12-5 pm

This position is responsible for adjudicating consumer credit applications in a fast-paced environment in accordance with company policies and procedures. In addition, this role will facilitate onboarding and account maintenance tasks for the Watercress Financial contractor base, as well as provide technical assistance and general support to those partners through regular phone, email, and chat interaction.

• Coordinate the credit approval process, including but not limited to processing credit applications and initiating inquiries into customer’s bank and trade references.
• Assess the creditworthiness of potential customers, including establishing payment terms and credit limits; handle special credit arrangements and deviations from standard terms of payment.
• Manage the full loan adjudication process by underwriting credit apps according to lending policies and evaluating risk to ensure the quality of the loan portfolio.
• Evaluate supplementary documents and condition loan accordingly, while documenting rationale behind loan decisions.
• Identify and log loans for exceptions while ensuring procedures are followed
• Assist with the establishment and implementation of credit policy; recommend policy adjustments as needed.
• Maintain knowledge of lending requirements, internal policies and procedures, and compliance and regulatory requirements.
• Strengthen and build lasting customer relationships with internal and external partners, including contractors via friendly, efficient and high-quality customer service
• Follow security and safeguarding procedures to protect against losses due to fraud and/or money laundering.
• Assist contractors with payment solutions and understanding/utilizing our financial products/services
• Track communication, activity, and action items within the Salesforce CRM and other network systems
• Performs other related duties as assigned by management.

• Bachelor’s degree (B.A.) or equivalent, or two to four years related experience within the financial sector, or equivalent combination of education and experience.
• Proficient in Microsoft Word, Excel, & Outlook.
• Excellent written and verbal communication skills.
• Strong knowledge of consumer credit and lending practices.
• Full capacity in assessing and evaluating consumer credit reports.
• Acute attention to detail and strong interpersonal skills.
• Excellent judgment with the ability to make timely and sound decisions
• Versatility, flexibility, and a willingness to work within constantly changing priorities with enthusiasm.
• Commitment to excellence and high standards.

• Knowledge of the credit and financial industry
• Experience and comfortability in a call center environment
• Strong communication skills- both written and verbal
• Superior time management and organizational skills
• Ability to work independently and within a team