Senior Underwriting Analyst

Forward Financing is a Boston-based financial technology company with an operational hub in the Dominican Republic, on a mission to unlock the capital that fuels small businesses across America. Recognized as a Best Place to Work by Built In Boston and certified as a Great Place To Work®, Forward is investing in its employees, technology, and customer experience – with long-term success in mind every step of the way.

The Senior Underwriting Analyst will assess creditworthiness, analyze financial data, and make sound underwriting decisions to support the growth of our clients while mitigating risk. This role requires expertise in commercial financing, a deep understanding of financial statements, and strong interpersonal skills to collaborate across teams.

This position operates on a hybrid model, with a requirement of two days in office each week.

In this role you will:

• Learn and follow Forward Financing’s process and guidelines to confidently issue profitable underwriting decisions.

• Analyze and interpret small business data related to financing applications to determine the appropriate amount of capital that the business can afford.

• Gauge risk profile while understanding customers’ business needs, opportunities and challenges.

• Advise internal sales reps to offer appealing small business financing options.

• Work with other members of the Underwriting department on initiatives to improve processes.

• Evaluate small business financing applications by analyzing financial statements, credit reports, cash flow projections, and other relevant documentation to assess creditworthiness and risk.

• Use trend and ratio analysis to interpret financial information and determine credit quality and cash flow adequacy.

• Provide guidance and training to junior underwriters and team members, fostering a culture of continuous improvement and professional growth.

Why you should apply:

• Mission driven company: Forward is a trusted source of fast, flexible funding for small businesses that have often been underserved by traditional financing options. When you join the team, you will help ensure all small businesses have access to the financial support they need to succeed.

• Flexibility is a top priority: Our employees are empowered to choose where they want to work (whether that’s from home, in the office, or a combination of both) with flexible hours.

Requirements:

(Even if you don’t check every box, but see yourself contributing, please apply.)

• Bachelor's degree.

• 5+ years of experience in small business underwriting, commercial financing, or a related field.

• Strong knowledge of financial statement analysis, credit risk assessment, and lending practices.

• Capability to identify patterns in data and make informed decisions accordingly.

• Analytical and self-motivated professional with a track record of exercising good judgment when making business decisions.

• Proficient in reviewing data and making decisions in situations that contain some level of ambiguity.

Forward Financing Core Values:

• Drive the Mission - We believe in financial opportunity for underserved small businesses. We say “yes” when others say “no.”

• Keep It Real - We value direct communication, candid feedback, and authenticity. We are an open book.

• Act with Kindness - We create an environment where caring is cool and helping is the norm. We do the right thing.

• Shoot for Extraordinary - We are inspired by innovative thinking and continuous improvement. We never settle for yesterday’s best.

About Us:

Forward Financing is a financial technology company based in Boston, Massachusetts with an operational hub in Santiago, Dominican Republic, on a mission to unlock the capital that fuels small businesses across America. Whether facing challenges accessing traditional financing or simply needing a convenient, flexible solution, Forward is committed to funding more of the millions of small businesses nationwide. Forward offers revenue-based financing – delivering an upfront sum of working capital in exchange for a set amount of the business’s future revenue. By simplifying the requirements, streamlining the process, and using advanced proprietary technology, Forward is often able to deliver approvals within hours and funds that same day – giving more businesses the financial opportunity they need to thrive. Plus, with their dedicated teams and award-winning service, customers get personalized support when they need it most.

Since 2012, Forward has expande