Equipment Finance Underwriter (on site, St. Louis, MO, 63128)

At CAN Capital we help small businesses access the capital they need to grow. Were looking for an experienced Equipment Finance Business Underwriter who thrives on making smart sound credit decisions and enjoys partnering with Sales Operations and Credit teams to move deals forward.

If youre energized by analyzing complex financials exercising strong judgment and playing a critical role in funding transactions that help businesses succeedthis role is for you.

What Youll Do

As an Equipment Finance Business Underwriter youll evaluate credit applications from businesses seeking equipment financing balancing risk and opportunity while ensuring compliance with CAN Capitals credit policies. Youll underwrite both straightforward and complex transactions including larger deals and provide clear well-documented recommendations.

Key responsibilities include:

• Assessing the creditworthiness of prospective business customers using commercial and consumer credit reports financial statements tax returns and supporting documentation
  
• Analyzing borrower financial performance through financial spreading ratio analysis industry comparisons and guarantor strength
  
• Reviewing equipment invoices quotes purchase agreements and vendor documentation to validate transaction structure and legitimacy
  
• Identifying gaps in application packages and clearly communicating next steps to internal and external partners
  
• Determining appropriate terms and conditions while adhering to credit policies and approved authority levels
  
• Supporting the funding process by coordinating with Sales Operations and other partners to ensure complete and accurate merchant packages
  
• Documenting underwriting decisions in a clear concise and audit-ready mannerespecially for larger or more complex transactions
  
• Managing workload effectively to meet productivity targets turnaround times and service level expectations
  
• Staying informed on market trends competitive dynamics and evolving business needs
  
• Providing underwriting insight and recommendations to cross-functional partners including Collections and Operations
  

Requirements

• 35 years of commercial underwriting experience (equipment finance experience strongly preferred)
  
• Bachelors degree preferred (or equivalent relevant experience)
  
• Strong experience reviewing and interpreting business and personal financial statements including tax returns and P&Ls
  
• Ability to analyze consumer credit reports from Experian Equifax and TransUnion
  
• Proven experience making risk-based credit decisions within an authority framework
  
• Exceptional attention to detail with a commitment to accuracy and quality
  
• Clear confident written and verbal communication skills
  
• Strong organizational problem-solving and time-management abilities
  
• Comfortable working in a fast-paced production-driven environment
  
• Experience with Salesforce and/or LeaseWorks is a plus
  
• Ability to handle sensitive and confidential information with discretion
  
• Willingness to work full-time onsite in our St. Louis office with occasional schedule flexibility as needed
  

If you are an experienced commercial underwriter who enjoys digging into the details exercising sound judgment and making a real differencewed love to hear from you.

Benefits

At CAN Capital we believe your career should come with more than just a paycheckit should bring purpose flexibility and benefits that truly matter. Be part of a collaborative growth-oriented team where your expertise directly impacts business success.

From a fun high-energy culture to day-one health coverage and a 401(k) with company match weve built an environment where your growth health and engagement come first.

Join us and experience a culture built on energy collaboration and leadership that values team members.