Finance Underwriter

Make Every Decision Count in Global Finance

Shape funding solutions with precision and speed while empowering businesses to grow. Here's a career that gives you the best of both worlds: a global opportunity in finance and the personal time you deserve. Here, you'll sharpen your expertise, make your mark in international lending, and still have time to focus on what matters most beyond work.

Job Description

As a Finance Underwriter, you will analyze applications, assess financial risk, and ensure compliance with guidelines. You'll drive fast, data-driven underwriting decisions that fuel growth while maintaining accuracy and customer trust.

Job Overview

Employment Type: Full-time

Shift: Night shift, Weekends off

Work Setup: Onsite, Makati/Ortigas

Exciting Perks Await

• Day 1 HMO coverage with free dependent
• Competitive Salary Package
• Night differential pay to maximize your earnings
• Prime office location in Ortigas (easy access to MRT stations, restaurants, and banks)
• Fixed weekends off
• Salary Advance Program through our banking partner (eligibility and approval subject to bank assessment; available to account holders with minimum of 6 months tenure)
• Unlimited upskilling through Emapta Academy courses (Want to know more? Visit )
• Free 24/7 access to our office gyms (Ortigas and Makati) with a free physical fitness trainer
• Exclusive Emapta Lifestyle perks (hotel and restaurant discounts, and more)
• Unlimited employee referral incentives across the organization
• Standard government and Emapta benefits
• 20 annual leaves (including 5 credits convertible to cash)
• Fun engagement activities for employees
• Mentorship and exposure to global leaders and teams
• Career growth opportunities
• Diverse and supportive work environment

The Qualifications We Seek

• Bachelor's degree in Finance, Business Administration, or a related field (preferred).
• 3 to 5 years of underwriting experience required.
• Strong underwriting mindset with the ability to assess risk factors effectively (prior MCA experience is a plus).
• Experience working with gig economy income structures or familiarity with gig platforms is a plus.
• Strong analytical skills with a keen eye for detail in evaluating financial statements and income patterns.
• Excellent verbal and written communication skills in English.
• Ability to work independently, prioritize tasks effectively, and manage multiple applications concurrently.
• Customer-centric approach with strong interpersonal skills for effective client interactions.
• Familiarity with Infinity software is preferred but not required.
• Willing to work onsite and night shifts, in a startup-like environment where you'll need to wear multiple hats.

Your Daily Tasks

Underwriting & Evaluation

• Review and analyze MCA applications, focusing on three months of bank statements, ACH transactions, and other financial data.
• Validate income sources, distinguishing between consumer and gig economy income streams.
• Assess applicants' financial stability and ensure compliance with internal underwriting guidelines.
• Provide well-documented underwriting decisions supported by data-driven insights.

Process Improvement

• Collaborate with leadership to identify opportunities to enhance underwriting processes and criteria.
• Stay informed about market trends and gig economy developments to refine underwriting practices.
• Propose and help implement innovative strategies to improve risk assessment and applicant evaluation.

Customer Communication

• Engage with applicants to explain MCA products, requirements, and the underwriting process.
• Educate customers on necessary documentation and assist them in gathering required materials to expedite application approvals.
• Maintain clear, professional communication with customers to address inquiries, provide updates, and resolve issues efficiently.

Documentation & Reporting

• Maintain accurate and organized records of underwriting decisions, customer interactions, and process outcomes.
• Generate regular reports on underwriting metrics and lead validation performance.
• Document trends and findings to provide actionable insights to leadership.

Speed and Efficiency

• Demonstrate a strong sense of urgency and work quickly while maintaining accuracy.
• Strive to process advances within tight timelines, aiming to render decisions within two to three minutes of receiving an application.

About the Client

Funding the Future of Modern Work.

Our client is a forward-thinking financial services company dedicated to helping small businesses and gig economy workers secure the funding they need to succeed. By combining innovative lending solutions with data-driven risk assessments, they bridge the gap between traditional financing and today's evolving work structures. With a customer-first approach, they deliver transparent, fast, and fair financial products that empower entrepreneurs.

Welcome to Emapta Philippines

Join a team that values camaraderie, excellence, and growth. Recognized as one of the Top 20 Dream Companies of Filipinos in 2024, Emapta stands proudly alongside industry giants, offering stability and exciting career opportunities. Your career flourishes here with competitive compensation, international clients, and a work culture focused on collaboration and innovation. Work with global clients across industries, supported by a stable foundation and like-minded professionals passionate about making an impact. We empower your success with opportunities for personal and professional development in an inclusive environment.

Apply now and be part of the #EmaptaEra