Commercial Credit Analysis Manager

BlueX is a high-growth fintech company empowering small-to-medium sized businesses (SMBs) who import and export goods with innovative payments and financing solutions. By combining industry-leading technology and security with our team's world-class expertise and service, we've helped businesses amplify their growth while making logistics easier.

Small businesses who import and export goods deserve accessible and modern financial services, and traditional banks have underserved them for too long. We're hiring problem solvers and collaborators to join our meaningful mission.

Headquartered in Taipei, we are backed by top investors, including Greycroft and Headline Ventures.

Summary Role Objective

The successful candidate will be responsible for underwriting US based small business credit applications and their vendors/manufacturers in accordance with the company’s policy and risk appetite while maintaining focus on risk tolerance, growth, and profitability objectives. The candidate must have advanced expertise in commercial loans.

This position requires a high level of financial expertise, sound judgment and attention to detail with the ability to analyze complex information to assess credit risk and ensure compliance with applicable regulations, credit policy/procedures, in an effort to mitigate loss, delinquency and overall risk. The individual should be well-versed in conducting systematic credit operations, using data and intelligence to support decision-making but also maintain flexibility to meet needs from various stakeholders as we grow responsibly. The candidate must be able to effectively communicate both process and outcomes as well as train and manage future junior underwriters.

What You’ll Do

• Underwrite credit applicants in accordance to company’s policy and procedures
• Enhance company’s credit policies and procedures to balance the customer’s needs with company’s risk
• Analyze application data including financial statements, bank statements, tax returns and business and personal credit reports. Identifies credit strengths, weaknesses, industry risks, and anomalies that lead to further investigation
• Determine credit worthiness and structures credit within established guidelines and expectations
• Collaborates with Relationship Managers on reasoning for a particular decision, answering potential loan request questions, identifying/resolving potential problem credits
• Prepares and owns a comprehensive credit summary in conjunction with the Relationship Managers to address all material aspects of the applicant’s request
• Coach and train junior underwriters while providing feedback and guidance to maintain consistency across the team

• 10+ years of Asia/US Underwriting experience working in a commercial underwriting role at a fintech/bank/financial institution- with SME Commercial financing, Trade Financing, AR factoring (reverse-factoring) experience
• Expert in evaluating business financials and credit reports
• Bachelor's degree with a concentration in finance or accounting preferred
• Solid credit fundamentals in a commercial environment
• Formal credit training required
• Understanding of various regulatory/compliance policy and procedure including but not limited to OFAC
• Strong analytical and intuitive/judgmental skills
• Excellent written and verbal communication skills
• Excellent organizational skills

• Virtual Interview with HR
• Virtual Interview with VP of Finance
• Virtual Interview with CEO