Consumer Underwriter

Position Overview

BHG Financial is a leader in the financial services space, committed to a better way to borrow through innovative financial solutions and a personalized concierge service. We are seeking a motivated Credit professional with strong analytical skills who will assess credit risk, analyze financial data, and collaborate across departments to support our award-winning culture and growing team.

Key Responsibilities

• Analyze and review financial information such as tax returns, personal financial statements, and credit reports to determine risk involved with extending credit or lending money.
• Perform cash flow analysis.
• Make appropriate decisions based on creditworthiness; verify applications for completeness, conduct credit investigation, and document loan decisions.
• Develop working knowledge of credit concepts, practices, policies, and procedures relevant to businesses.
• Prepare loan packages in compliance with departmental policies and procedures.
• Utilize a strong understanding of loan risk factors to support decision-making.
• Collaborate with colleagues across departments to ensure strong communication and teamwork.
• Assist with credit-related projects and initiatives.
• Perform any other duties as assigned by management.

Required Qualifications

• 1+ year(s) experience in accounting, tax, or financial industry preferred; OR 2+ years of experience with administration and clerical duties.
• College coursework in business administration, finance, accounting, mathematics, or related fields preferred.
• Familiarity with credit reports, personal and corporate tax returns; familiarity with tax transcripts preferred.
• Attention to detail with a strong focus on quality and accuracy.
• Ability to acquire all required documentation working with colleagues.
• Strong organizational, critical thinking, and analytical skills.
• Excellent communication and interpersonal skills.
• Proficiency in Microsoft Office.
• Ability to work at a computer for extended periods (8+ hours/day) and perform fine motor tasks using a keyboard and mouse.
• Ability to prioritize and multitask under tight deadlines and communicate professionally, including via video calls.
• Must be service-oriented, customer-focused, and a team player with a helpful personality.

Benefits & Perks

• Medical/Rx/Dental/Vision coverage for employees and their eligible family members
• Competitive PTO and vacation policies
• 1 Friday off each month for Wellness Weekends
• Company 401(k) plan with employer contributions after one year
• Company-sponsored training and certification opportunities
• Quarterly award ceremonies celebrating top achievers with additional bonuses
• Ongoing volunteer opportunities through our BHG Cares program