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Role Description

An exciting opportunity is available for an experienced Commercial Underwriter to join a fast-paced, tech-driven financial services environment. This role focuses on underwriting and assessing credit risk for Small & Medium Enterprise (SME) clients. The successful candidate will work remotely while aligning with USA business hours (4pm–1am SA time).

• Assess and underwrite SME credit applications in line with the company policy and risk appetite
• Analyse financial statements, bank statements, cash flow, and supporting documentation
• Evaluate risk and make sound credit decisions within mandate
• Structure deals appropriately to balance risk and profitability
• Liaise with sales and operations teams to obtain additional information where required
• Ensure that all underwriting decisions are compliant with internal policies and regulatory standards
• Maintain accurate records and provide clear decision rationales

Qualifications

• Minimum 3–5 years’ experience in commercial / SME underwriting
• Strong understanding of credit risk principles
• Experience analysing financial statements and cash flow
• BCom degree or relevant qualification (CFA / CA(SA) candidates welcome)
• Strong analytical and decision-making skills
• Excellent written and verbal communication skills
• Comfortable working independently in a remote environment
• Able to work USA hours (16:00–01:00 SA time) consistently

Requirements

• Strong attention to detail
• Commercial acumen
• Sound judgement and risk assessment ability
• Ability to work efficiently in a high-volume environment
• Deadline-driven and self-managed

Benefits

• Fully remote working environment
• Exposure to international markets
• Dynamic, performance-driven team
• Competitive remuneration