B Generous

B Generous is a fast-growing venture capital-backed fintech company transforming how nonprofits and social enterprises access capital in the United St...

Private Company

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Open Positions2

Fully remote work environmentFull-TimeFintech, FinancePosted

Commercial Credit Underwriter (Nonprofit Lending)

Analyze borrower financial information, including Audited financial statements, IRS Form 990 filings, Internal management reports, Budgets and financial forecasts
Assess key credit indicators including Liquidity, Unrestricted net assets, Operating performance, Debt service capacity, Revenue concentration, Donor dependency, Grant timing exposure, Net Income trends
Calculate and interpret Debt service coverage ratios, Days cash on hand, Working capital trends, Leverage ratios, Operating reserves
Evaluate financing requests for Working Capital Term loans, Bridge loans, Lines of credit, Receivables-backed facilities, Revenue-based financing products
Structuring Term Sheets which include Loan amount, Term, Pricing, Repayment structure, Collateral requirements, Covenant considerations
Prepare concise underwriting summaries and credit memoranda for Internal review, Lender presentation, Credit discussions

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About B Generous

B Generous is a fast-growing venture capital-backed fintech company transforming how nonprofits and social enterprises access capital in the United States.Our AI-driven lending marketplace and loan origination platform links mission-focused organizations to flexible financing options between $25,000 and $50 million, while enabling lenders to efficiently provide capital to this underserved market.By leveraging advanced technology, including machine learning, generative AI, predictive analytics, and extensive domain expertise, B Generous is reshaping nonprofit finance.Joining B Generous provides a unique opportunity to engage at the intersection of fintech, finance, and social impact, supporting organizations as they secure the resources required to advance their missions.