Underwriting Analyst

Mudflap serves the $800B trucking industry, the backbone of the U.S. economy. Our market-leading payment products help truckers save thousands of dollars on fuel (their #1 business expense), while providing our fuel stop partners with access to new, hard-to-reach customers. We’re a fast-growing marketplace business looking for a new customer-obsessed teammate to join us on this exciting journey.

We are seeking a meticulous and analytical Underwriting Analyst to join our Credit Underwriting Team. As an Underwriting Analyst, you will be responsible for evaluating and assessing creditworthiness, ensuring sound lending decisions, and minimizing risk exposure. This role demands a keen eye for detail, a comprehensive understanding of credit evaluation processes, and balanced judgment. Some outbound phone calls may be required, but most communication will be completed via Zendesk/email. 

Expectations (In this role, you will):

• Assess the creditworthiness of loan applicants by analyzing financial data, credit reports, and other relevant information
• Determine the risk level associated with lending and make informed decisions based on established criteria
• Evaluate exceptions to credit policy carefully and make recommendations to the Leadership Team
• Collaborate with internal teams to streamline the underwriting process and ensure timely completion of applications
• Conduct periodic reviews of existing customers to evaluate credit limit changes and recommend appropriate changes
• Communicate effectively with clients, providing clear explanations of underwriting decisions and assisting in resolving inquiries

Experience (What we look for):

• Prior experience in either consumer or small business underwriting
• A basic understanding of Excel and other platforms of data entry
• The ability to work both independently and as part of a team
• Strong attention to detail and the ability to handle multiple tasks effectively
• Familiarity with fast-paced environments with an “all hands on deck” approach
• Strong written and oral communication & analytical and interpersonal skills
• The ability to develop and foster strong cross-functional partnerships

Perks and Benefits (What we offer):

• A remote-first company focused on hiring the best talent
• A committed team on a mission to change a massive industry for the better
• A high bar for quality and commitment to self-improvement
• An open mind to new ideas and methodologies
• Competitive salary and benefit options
• Opportunities and support for major career growth
  

The salary range for this role is $54,000 to $73,000. This information reflects a base salary range for this position based on current market data, which may be subject to change as new market data becomes available. The candidate's skills, experience, and other relevant factors will determine the exact compensation. This position may also be eligible for additional incentives such as equity awards or short-term incentives. Our benefits include medical/dental/vision insurance, 401(k) with company match, WFH stipend and PTO.

Company overview (Who we are):

Mudflap is well-funded by top-tier venture investors, including QED, Matrix Partners, Commerce Ventures, NFX, and 500 Startups, and our core team hails from Disney, Google, Uber, Meta/Facebook, Procore, Pandora, DoorDash, Capital One, and Brex.

Here are the core values that we believe in and look for in new teammates:

• Put Customers First: We put our customers and partners at the center of everything we do.
• Be Curious: Have a learning mindset. Ask, wonder, dig, investigate. Share the joy of discovery.
• Sweat The Details: We create magical experiences by obsessing over every detail.
• Do The Right Thing: We operate with integrity and exercise good judgment, even if no one is watching.
• Find A Way: We push past roadblocks to get the best outcomes for our customers and our teammates.
• Own It: Show up prepared, be present, and make it count.