Junior Underwriter

ABOUT OUR COMPANY:

ABOUT OUR WORKPLACE:

ABOUT THE ROLE:

This role requires candidates to be based in the Greater Cleveland Ohio area.

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

WHAT YOULL 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 strong quality score through consistent adherence to underwriting standards.
• Deliver a customer-focused experience while balancing speed risk and compliance.
• Show steady progression in underwriting proficiency independence and decision-making.
  
  

WHAT YOULL BRING TO SPLASH:

• Minimum 2 years of experience in credit Underwriting credit analysis loan processing or financial services operations.
• Demonstrated knowledge of underwriting practices related to lending and consumer credit reports.
• Advanced MS Excel skills including macros and pivot tables and familiarity with financial services industry tools.
• Strong commitment to customer service and proven teamwork with internal and external partners.
• A customer-first mindset with the ability to collaborate effectively across teams.
• Willingness to learn adapt and grow in a fast-moving technology-driven environment.

NICE TO HAVE (OPTIONAL):

• Experience in fintech consumer lending or high-volume underwriting environments.
• Exposure to fair lending regulations (ECOA FCRA UDAAP).
• Interest in career growth toward Senior Underwriter or Credit Strategy roles.
  
  

COMPENSATION:

The base pay for this role is $28.85 per hour based on market data and internal compensation practices. This role may also be eligible for an incentive program based on performance.

SPLASHERS ENJOY:

• Fully remote work freedom
• Competitive salary packages
• Flexible PTO 9 company holidays
• Equity: Share in our start-up success
• Comprehensive and affordable insurance benefits
• Paid parental leave for both caregivers
• Essential equipment to get the job done
• 401(k) for your future savings
• Quarterly meet-ups: In person & virtual fun
• Awesome Splash swag to flaunt your team spirit

Employment at Splash is based on individual merit. Opportunities are open to all without regard to race color religion sex creed age handicap national origin ancestry military status veteran status medical condition marital status sexual orientation affectional preference or other irrelevant factors. Splash is an equal opportunity employer.

JOB OFFER & RECRUITMENT SCAM NOTICE

At Splash Financial we want candidates to feel confident and safe throughout the hiring process. Unfortunately scammers sometimes pose as employers to trick job seekers into sharing personal information or money.

PLEASE BE AWARE:

• Splash Financial will never ask for payment banking details or cryptocurrency as part of our hiring process.
• All legitimate job communications from Splash Financial will come from an @ email address.
• We do not conduct interviews solely via text message or chat apps.
• Any offer of employment will be made only after a formal interview process and will be sent directly from Splash Financial.

IF YOU RECEIVE A SUSPICIOUS MESSAGE:

• Do not respond or share personal information.
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• Report the message to