An Insurance Underwriter evaluates and measures risk and advises businesses in insurance, banking and securities. Recommends customers to be approved for insurance coverage, and develops policies and premium levels. Reviews loan applications, evaluates credit-worthiness of loan applicants and analyzes the investment risk of a loan for the bank. Evaluates risk in different types of securities and advises clients on investments that will yield highest profits.
Competitive compensation based on experience and fit Position Overview Neto Capital is a business financing company in Sunny Isles Beach. We're looking for a Junior Underwriter to review incoming financing applications: analyzing bank statements and cash flow, spotting risks and irregularities, and preparing clear underwriting summaries and recommendations. You'll use the company's in-house AI/ML underwriting tools daily and work closely with Risk, Sales, and Operations. This is a strong entry point for someone who wants to build a career in underwriting and risk. Key Responsibilities Analyze business bank statements, cash flow, revenue, liabilities, and payment patterns on new financing applications. Review supporting documents and credit data; flag red flags, irregularities, and risk. Prepare underwriting summaries and recommendations on approvals, declines, terms, pricing, and exposure. Use and give feedback on the company's AI/ML underwriting tools, and help improve underwriting workflows. Requirements Bachelor's degree required (Finance, Economics, Accounting, Statistics, or a related field a plus). 1+ year in an analytical, financial, credit, underwriting, banking, or lending role. Strong Excel / Google Sheets skills and a solid understanding of bank statements, cash flow, and financial risk. Detail-oriented, fast learner, and able to communicate conclusions clearly while handling sensitive financial information with discretion. Nice to Have Experience in business financing, MCA, lending, credit underwriting, or risk analysis. Hands-on experience analyzing business bank statements or working with credit decisioning tools. Familiarity with Plaid, DecisionLogic, Ocrolus, DataMerch, TLOxp, Salesforce, HubSpot, or similar. Experience building models, dashboards, or reports in Excel / Google Sheets; additional languages a plus. Why Join Neto Capital? Direct impact on financing decisions and portfolio performance at a growing FinTech company. Work with in-house AI/ML underwriting tools. Close collaboration with Risk, Operations, Product, and management. Clear path to grow into Senior Underwriting, Risk, Portfolio Management, or Data roles. \nCompany Description Neto Capital is a fast-growing fintech company operating in the U.S. small business financing space. We're not a brokerage — we're a technology company that funds businesses. We combine financial and operational expertise with data, automation, and cutting-edge AI/ML to make funding faster, smarter, and more transparent. Here's what makes us different: most MCA shops win on volume and grind. We win on technology. Our sales team gets access to the best AI and tech tools on the market — the kind that surface the right merchants, sharpen your pitch, and move deals to funded faster than anyone else in the industry. While our competitors hand reps a dialer and a list of dead leads, we hand you a real edge. You still bring the drive — but here, your drive is multiplied by tools that actually help you win. Neto Capital operates in a dynamic, entrepreneurial, and family-oriented environment built around one idea: when you succeed, we succeed. We invest heavily in our people — training, coaching, technology, warm leads, and a culture that pushes you to be great. Whether you're a seasoned vet looking for a smarter home or a hungry newcomer ready to break into financial sales, we set you up to win. Company Description Neto Capital is a fast-growing fintech company operating in the U.S. small business financing space. We're not a brokerage — we're a technology company that funds businesses. We combine financial and operational expertise with data, automation, and cutting-edge AI/ML to make funding faster, smarter, and more transparent.\r\n\r\nHere's what makes us different: most MCA shops win on volume and grind. We win on technology. Our sales team gets access to the best AI and tech tools on the market — the kind that surface the right merchants, sharpen your pitch, and move deals to funded faster than anyone else in the industry. While our competitors hand reps a dialer and a list of dead leads, we hand you a real edge. You still bring the drive — but here, your drive is multiplied by tools that actually help you win.\r\n\r\nNeto Capital operates in a dynamic, entrepreneurial, and family-oriented environment built around one idea: when you succeed, we succeed. We invest heavily in our people — training, coaching, technology, warm leads, and a culture that pushes you to be great. Whether you're a seasoned vet looking for a smarter home or a hungry newcomer ready to break into financial sales, we set you up to win.
