Senior Business Underwriter

About us

Branch is on a mission to empower workers with financial freedom. We do this by helping companies accelerate payments and providing working Americans with accessible, free financial services. We're committed to building and delivering more inclusive, transparent, and frictionless financial products.

Our goal of empowerment extends to our own employees, too. Have a great idea? Share it today and it might just get implemented tomorrow. As a member of our team, your voice and creativity matter—and they can directly impact our products, company, and culture.

We not only focus on attracting great talent from across the country, but also on building teams that help that talent thrive. That means valuing a diversity of opinions and working styles, while creating a shared belief in innovation, initiative, and winning together.

Come join our team as we develop new ways to improve the lives of working Americans.

In this Senior Business Underwriter role at Branch, you will independently underwrite small, medium, and enterprise businesses seeking access to Branch's products, including large, high-volume platforms. Your work plays a critical role in protecting Branch's revenue, customers, and reputation by delivering clear, well-reasoned risk assessments that inform onboarding decisions and approval conditions.

This role combines underwriting, KYB due diligence, fraud risk evaluation, and financial analysis in a fast-moving environment. As a senior individual contributor, you will influence portfolio performance, contribute to improving risk models and frameworks, and handle complex, ambiguous cases as the business and risk landscape evolve.

• Conduct comprehensive KYB due diligence, including entity validation, ownership structures, and UBO analysis
• Maintain working knowledge of applicable regulations related to KYB, AML, and business and consumer protection, incorporating requirements and best practices into decision-making
• Independently underwrite SMB and enterprise customers, including complex corporate structures, large platforms, and non-traditional business models
• Analyze financial data, including bank activity and financial statements, and alternative data sources to evaluate cash flow trends, sustainability, and key risk indicators
• Make timely, defensible underwriting decisions in the presence of incomplete, noisy, or imperfect information
• Recommend approvals, declines, or risk mitigations aligned with Branch's risk appetite and regulatory requirements, clearly documenting rationale and communicating trade-offs to stakeholders
• Monitor payback performance, identify payback failures or emerging risk trends, and support administrative teams in applying collection rules in accordance with established policies and procedures
• Assist in building and improving underwriting processes, risk frameworks, and credit models to support scale
• Support vendor integrations
• Maintain exceptionally high standards for accuracy, thoroughness, and documentation quality across all work
• Flex across the business to support team goals, taking on new problem areas or risk initiatives as needed

• Experience
  • Degree in analytics, business, accounting, economics, or finance
  • 7+ years in finance, credit underwriting, consulting, commercial banking, private equity, analytics, or investment banking
  • Demonstrated experience underwriting SMB and enterprise businesses, including complex or non-traditional business models
  • Detail-oriented and trusted to operate independently with minimal supervision
• Technical and Analytical
  • Deep expertise in underwriting non-traditional borrowers using alternative data and judgment-based approaches
  • Proven ability to analyze business data and financial statements
  • Advanced proficiency in Google Sheets, including complex formulas and data manipulation; experience with Looker is a plus
  • Experience improving underwriting processes, risk frameworks, and/or credit models.
  • Strong analytical skills to break down complex problems
  • Exceptional communication skills, adept at obtaining necessary/sensitive information from Customers and responding to challenging queries from stakeholders
• Domain & Compliance
  • Working knowledge of applicable regulations related to KYB, AML, and consumer and business protection requirements (eg UDAP, UDAAP)
  • Experience operating in regulated environments and consistently aligning decisions with internal policies, SOPs, and risk standards
• Mindset
  • High professional maturity with strong ownership and accountability
  • Comfortable giving and receiving direct, candid feedback
  • Curious, open-minded, and committed to continuous learning
  • Adaptable and comfortable operating in evolving, fast-changing environments
• Builder mindset with a desire to improve and iterate on how work gets done

The salary range for this role is $105-115k.

The salary range displayed reflects an average base salary range for the position across all the U.S. The base salary offered to an applicant could be higher or lower…