Junior Underwriter
Company:Splash Financial
Location:Greater Cleveland, Ohio area
Languages:English
Seniority level:Junior, Minimum 2 years
Experience:Minimum 2 years
Skills:
Microsoft ExcelAnalytical SkillsAttention to detailComplianceFinancial analysisRisk Management
Requirements:
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. Familiarity with financial services industry tools. Strong commitment to customer service. Proven teamwork with internal and external partners. A customer-first mindset. Ability to collaborate effectively across teams. Willingness to learn, adapt, and grow.
Responsibilities:
Conduct credit underwriting, income analysis, and assess borrower documentation. Follow internal AML/CIP policies and procedures. Ensure compliance with Bank Secrecy Act (BSA), USA PATRIOT Act, and OFAC requirements. Support internal and external audits, exams, and regulatory rules. Identify missing, inconsistent, or high-risk information and seek resolution. Document customer interactions accurately in CRM and LOS systems. Maintain accurate and thorough documentation of underwriting decisions. Utilize specialized systems, tools, and spreadsheet calculators. Analyze financial information including income, debt ratios, and credit review. Stay up-to-date on credit policy changes.
