Credit Underwriter _US market

At Palni , we are seeking an experienced Credit Underwriter to support our client’s credit team. This role is pivotal in managing underwriting, pricing, loan performance, and collections , with a direct impact on customer-level P&L . As part of our Credit Team , you will make data-driven business decisions to optimize lending margins while leveraging analytics to refine policies and pricing strategies. Key Responsibilities:

• Analyze financial data to assess the creditworthiness of small to mid-sized businesses .
• Apply underwriting expertise to make informed credit decisions within existing policy frameworks.
• Engage directly with customers to understand their business models and borrowing needs .
• Independently manage an underwriting pipeline , ensuring efficient decision-making.
• Drive improvements in underwriting policies and procedures as needed.
• Collaborate with credit/risk teams and leadership to enhance automated credit decisioning.
• Maintain strong relationships with internal stakeholders and management .

• Bachelor’s degree required (preferably in a business-related field).
• 4+ years of professional experience in small business lending underwriting .
• Proficiency in analysing financial documents , including tax returns, bank statements, financial statements, and credit reports .
• Strong understanding of business underwriting principles , small business lending risks, and lending regulations .
• Excellent written and verbal communication skills with the ability to present financial data clearly.
• Strong analytical and problem-solving skills with a detail-oriented mindset.
• Comfortable working in a fast-paced environment with minimal supervision.
• Ability to work independently and deliver high-quality results.