Job Description

At Palni , we are seeking an experienced Commercial Credit Underwriter to support our US clients credit team. This role is pivotal in managing commercial underwriting, pricing, loan performance, and collections , with a direct impact on customer-level P&L . As part of our Credit Team , you will make data-driven business decisions to optimize lending margins while leveraging analytics to refine policies and pricing strategies. Key Responsibilities: Analyze financial data to assess the creditworthiness of small to mid-sized businesses . Apply underwriting expertise to make informed credit decisions within existing policy frameworks. Engage directly with customers to understand their business models and borrowing needs . Independently manage an underwriting pipeline , ensuring efficient decision-making. Drive improvements in underwriting policies and procedures as needed. Collaborate with credit/risk teams and leadership to enhance automated credit decisioning. Maintain strong relationships with internal stakeholders and management . Qualifications & Skills: Bachelor’s degree required (preferably in a business-related field). 5+ years of professional experience in small business lending underwriting . Proficiency in analyzing financial documents , including tax returns, bank statements, financial statements, and credit reports . Strong understanding of business underwriting principles, small ,small business lending risks, and lending regulations . Excellent written and verbal communication skills with the ability to present financial data clearly. Strong analytical and problem-solving skills with a detail-oriented mindset. Comfortable working in a fast-paced environment with minimal supervision. Ability to work independently and deliver high-quality results.