Senior Commercial Underwriter

Title: Senior Commercial Underwriter

Location: Remote USA

Department: Risk / Underwriting

Full-time 

Remote

Job Description:

Flex is building the AI-native private bank for business owners.

We’re re-architecting the entire financial system for entrepreneurs—from the first dollar a business earns to how that value compounds, moves, and is ultimately spent in real life. Banking, credit, payments, personal finance, and financial operations—rebuilt from the ground up as a single, intelligent system. Flex is the full financial home for ambitious owners.

Since launching publicly in September 2023, Flex has scaled from zero to nine-figure annualized revenue, with a clear path to profitability by late 2026. We move fast, ship relentlessly, and operate with extreme ownership.

Our customers are affluent business owners ($3–$200M in revenue)—the backbone of the economy and one of the most underserved segments in finance. They’re stuck with outdated banks and fragmented tools. We’re replacing all of it. The opportunity is massive: a ~$1T+ revenue market hiding in plain sight. Our ambition is to build a $100B+ company by delivering a product that is fundamentally better—not incrementally improved.

Flex has raised $100M+ in equity and $300M+ in debt.

- Mission-critical problems: We build software that directly controls how money moves at scale.

- High bar, low ego: Small teams, exceptional people, real ownership.

- Speed over comfort: We prioritize execution, quality, clarity, and results.

- Enduring impact: What we’re building will define how a generation of owners runs their businesses.

Team & Locations

We hire exceptional people who want to build hard things and see their work matter immediately. Roles are available in: San Francisco, Miami, New York, and fully remote.

Flex Fuels Ambition.

The primary responsibility of the Underwriter position will be to conduct the required due diligence to determine the creditworthiness of prospective applicants and existing customers.  The product is targeted at Small & Medium sized businesses (5MM to 100MM ARR). The Underwriter will be responsible for reviewing, analyzing, and approving credit product applications (business financial documents such as P&L Statements, Balance Sheet and Tax Returns) and is responsible for timely turnaround on applications. The role requires prior experience in this space.

Essential Functions and Responsibilities:

·       Review credit applications for credit products and analyze applicable information (credit reports, bank data, financial data, etc) to make credit decisions in accordance with the credit policy.

·       Conduct due diligence such as performing credit searches, UCC, judgment lien and tax lien searches.

·       Ensuring that all required documentation is received for KYC and KYB requirements.

·       Determine appropriate credit limits based on financial information and creditworthiness.

·       Use discretionary judgment for credit decisions not conforming to the credit policy and communicate due diligence results to senior management to obtain the necessary approvals on all exceptions to the credit policy.

·       Responsible for conducting underwriting reviews on existing customers for credit line increases.

Qualifications:

·       Bachelor's degree in business, finance, or a related field.

·       2+ years of experience in commercial credit underwriting.

·       Strong financial background with excellent analytical skills.  Ability to analyze financial statements a plus.

·       Ability to formulate and articulate objective views based on professional credit analysis.

·       Excellent interpersonal skills including the ability to manage and deal tactfully with different communication styles.

·       Must be able to work well with people at all levels within and outside the company.

·       Strong decision-making skills needed; using sound business judgment considering impact of decisions on other aspects of the business.

·       Comfortable managing high risk accounts and being accountable for decisions.

·       Must have computer knowledge with strong Excel skills.

·       Must exercise considerable judgment and discretion involving confidential information.

·       Must have excellent time management and organization skills.

·       Must be able to handle multi-tasks and be able to prioritize workload.

·       Demonstrated integrity on personal as well as professional level.

·       Ability to research and provide solutions to obstacles using logical and analytical problem-solving skills.

·       Strong attention to detail.

Must be available during US EST timezone working hours.

 What You’ll Do

• • Review credit applications for credit products and analyze applicable information (credit reports, bank data, financial data, etc) to make credit decisions in accordance with the credit policy.
  • Conduct due diligence such as performing credit searches, UCC, judgment lien and tax lien searches.
  • Ensuring that all required documentation is received for KYC and KYB requirements.·   Determine appropriate credit limits based on financial information and creditworthiness.
  • Use judgment for credit decisions constituting exceptions to applicable credit policy and communicate due diligence results to senior management to obtain the necessary approvals on all exceptions to the credit policy.
  • Responsible for conducting underwriting reviews on existing customers for credit line adjustments (increase or decrease).

 What You Bring

• • Bachelor's degree in business, finance, or a related field.
  • 3+ years of experience in commercial credit underwriting. More experience is a plus.
  • Strong financial background with excellent analytical skills. 
  • Ability to analyze financial statements.
  • Ability to formulate and articulate objective views based on professional credit analysis.
  • Excellent interpersonal skills including the ability to manage and deal tactfully with different communication styles.
  • Must be able to work well with people at all levels within and outside the company.
  • Strong decision-making skills needed; using sound business judgment considering impact of decisions on other aspects of the business.
  • Comfortable managing high risk accounts and being accountable for decisions.·   Must have computer knowledge with strong Excel skills.
  • Must exercise considerable judgment and discretion involving confidential information.
  • Must have excellent time management and organization skills.
  • Must be able to handle multi-tasks and be able to prioritize workload.
  • Demonstrated integrity on personal as well as professional level.
  • Ability to research and provide solutions to obstacles using logical and analytical problem-solving skills.
  • Strong attention to detail.

What We Offer

• • A visionary founding team with elite backgrounds and substantial industry experience.
  • A substantial Series A round, providing ample growth and opportunities.
  • A culture that supports remote work and values connection through semi-annual offsites.
  • Support from leading Silicon Valley venture capitalists and industry insiders.
  • An attractive compensation package, including comprehensive benefits and perks.
  • A chance to join a high-growth fintech startup with an exciting mission and customer base.

$120,000 - $150,000 a year

Must be available during US EST timezone working hours.

Compensation will be determined based on a variety of factors, including geographic location, relevant skills, and years of experience.

At Flex, we value passion, determination, and honesty. Even if you don't fully match the job specifics, we encourage you to apply. Unusual career paths and unique skills can help you stand out. We believe diversity drives our success.

Why Join Us

Build something generational — Capture the full lifecycle of money for ambitious business owners.

Work on real money, real risk — Payments, credit, and banking at serious scale.

Solve hard problems — AI, underwriting, compliance, and global finance from first principles.

True ownership — Small teams, high trust, real accountability.

Founder-level exposure — Direct access to leadership, customers, and investors.

High bar, high taste — Move fast without cutting corners.

Elite peers — People here are builders, not tourists.

Real upside — Meaningful equity if you help build something big.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.