Junior Underwriter

ABOUT OUR COMPANY:

The crushing weight of debt is something that we believe holds people back from reaching their dreams and making a splash in the world. So in 2013, after seeing our friends and family struggle with student loans, we created Splash Financial. 

Over the years, our mission has expanded to include helping people with other forms of debt - such as refinancing credit cards, which are at all time highs in the US. And we’ve been able to refinance $6+ Billion in loans through our network of Splash, powered credit union and bank partners who leverage our marketplace and automated loan processing technology. And we’ve raised over $135 million from investors like partners of DST Global, Citi Ventures, TruStage Ventures, Northwestern Mutual Future Ventures, Detroit Venture Partners, and more.

But at our core, we’re still that little company from Cleveland with a big dream: to make people more powerful than their debt and we’re just getting started..

ABOUT OUR WORKPLACE:

Splash is remote-first, and proud of it. 

We spend our days simplifying financial products and getting them into the hands of people who need them most. Right now, we’re focused on building financial technologies that fundamentally transform how the industry lends.

Although Splash has been around since 2013, we still operate like a startup — fast-paced, nimble, and full of heart. We’re good people who care deeply about doing meaningful work and we approach challenges with creativity, passion, and urgency.

And to hire the best, we provide the best: great health insurance, competitive salaries, and unique benefits like quarterly meet-ups and access to engagement tools that keep us connected — even from afar.

At Splash, everything we do is guided by our values:

Own It – We take full accountability and follow through on commitments.

Raise the Bar – We move fast, innovate faster, and push through barriers.

Say the Hard Thing – We speak up with honesty, respect, and a desire to solve problems and make things better.

Elevate Each Other – We win as a team by lifting each other up.

These values show up in how we work and how we connect — whether we’re collaborating on big projects or bonding over everyday moments. Yes, we even have Slack channels for #kids-and-pets and #food because we believe being human makes us better teammates.

ABOUT THE ROLE:

As a Junior Underwriter, you will use your working knowledge of general credit underwriting guidelines to be responsible for the analysis of submitted files for debt-to-income ratio, income analysis/ability to repay, and credit profile/history, while adhering to Splash credit policies and partner or program-specific guidelines. Junior Underwriters support and uphold fair lending practices of Splash Financial and are responsible for quality targets ensuring the highest speed and efficiency, while maintaining a strong level of customer satisfaction.  The Junior Underwriter will review and analyze complex customer financial documentation and propose solutions to assist customers with consumer loan originations. The staff members may interact with other internal and external parties such as Customer Service Rep/Loan Consultants, Fraud Operations Associates, lending partners, vendors, and other stakeholders.

If you’re at a point in your career where you’re ready for the challenge and excitement of shaping a program and scaling it exponentially, this could be the role for you!

WHAT YOU’LL DO AT SPLASH:

• Conduct credit underwriting, income analysis, and assess borrower documentation to determine repayment ability and loan resolution.
• Follow internal AML/CIP policies and procedures Ensure compliance with, Bank Secrecy Act (BSA), USA PATRIOT Act, and OFAC requirements (as applicable)
• Support internal and external audits, exams, and regulatory rules
• Identify missing, inconsistent, or high-risk information and proactively seek resolution.
• Document customer interactions accurately in the CRM and LOS systems for continuous improvement.
• Maintain accurate, thorough documentation of underwriting decisions and customer interactions in CRM and LOS systems.
• Utilize specialized systems, tools, and spreadsheet calculators, adhering to lending regulations and Fair Lending practices.
• Analyze financial information, including income, debt ratios, and credit review, while keeping up to date on credit policy changes.

PERFORMANCE EXPECTATIONS:

• Meet or exceed productivity, accuracy, and turnaround time targets.
• Demonstrate sound judgment while escalating complex or out-of-policy scenarios appropriately.
• Maintain a stron