Principal Underwriter, SMB Risk

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Clear-Com

WebsiteLinkedInAll Job Openings

51 - 200 employees

Clear-Com®, an HME company, is the global leader in professional voice communication systems for live productions. Since 1968, we have developed and marketed proven intercom technologies such as Analog Partyline, Digital Matrix, Digital Wireless and IP Communications systems for broadcast stations, production trucks, houses of worship and performance venues. Recognized for our legacy of intercom innovations, production teams around the world have come to depend on Clear-Com for clear, reliable and scalable communication solutions.

📋 Description

• Join Clearco as a senior leader on the diligence and underwriting team • Conduct reviews of SMB customers to reach robust, data-driven credit decisions • Work directly with customers and independently own credit decisions for individual accounts (approve/decline recommendations, exposure amounts, and key terms) • Develop and refine detailed risk frameworks for these decisions alongside the credit team • Work collaboratively with internal stakeholders to complete ad-hoc requests and projects, often with time constraints • Undertake detailed financial statement analysis to evaluate the financial health of Clearco customers and prospects • Test and refine specific financial metrics and ratios to enhance the speed and accuracy of our underwriting • Maintain expert knowledge of internal risk frameworks, authorization limits, and escalation processes • Act as a trusted risk advisor to leadership • Conduct ongoing analysis of the credit portfolio to flag risks and execute remediation plans • Continually stay abreast of underwriting best practices and expand knowledge.

🎯 Requirements

• Degree in analytics, business, accounting, economics, finance, or equivalent practical experience • 7+ years of experience in credit underwriting, commercial banking, specialty finance, or fintech risk management • Direct experience with SMB credit underwriting and financial statement analysis • Deep expertise in financial underwriting, credit analysis, investment operations, or risk management • Familiarity with e‑commerce business models and digital health metrics • Working knowledge of core compliance standards, including KYC and AML • Strong quantitative and writing skills, with a track record of delivering concise, actionable recommendations • Clear, professional presence for direct customer communication, negotiations, and cross-functional collaboration • Strong analytical skills to break down complex problems • Builder mindset with a track record of improving processes for scale • Ownership and growth mindset; comfortable with radical candor.

🏖️ Benefits

• Clearco is an equal-opportunity employer • We celebrate our inclusive work environment • We welcome members of all backgrounds and perspectives to apply • We’re committed to developing and upholding an inclusive, transparent, and comfortable environment for all.