{"id":4042428,"url":"https://alion.io/job/elect-capital-underwriter-sydney","title":"Underwriter (Sydney)","company":{"id":4531796,"name":"Elect Capital","domain":"electcapital.com","url":"https://alion.io/company/electcapital","size_band":null,"is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Workable","truth_index":null},"role":"Finance","role_family":"Finance","seniority":null,"employment_type":"full_time","work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"explicit","locations":["Sydney, Australia"],"countries":["AU"],"hiring_countries":[],"hiring_countries_total":0,"salary":{"min":25000,"max":null,"currency":"AUD","period":"year","gross":null,"usd_annual":17122},"salary_estimate":null,"experience_years_min":null,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[],"status":"live","first_seen_at":"2026-10-02T00:00:00Z","employer_posted_date":"2026-10-02","last_verified_at":"2026-11-10T22:40:17Z","board_verified":true,"closed_at":null,"days_open":39,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":39},"description":"Underwriter - SME Lending\nAbout Elect Capital\nElect Capital is changing how SMEs access funding. We provide fast, flexible working capital loans, business loans, and merchant cash advances - no red tape, no slow decisions. Live across the UK, Australia, Canada, and the US, and scaling fast, we give SMEs the speed and flexibility traditional lenders can't.\nOur Mission\nWe exist to give SMEs the capital and confidence to grow - fast, fair, and friction-free. Every ambitious business deserves a real shot at growth, not months of paperwork. We've built lending for speed, without cutting corners on fairness. When SMEs win, we win.\nThe Role\nWe're looking for a sharp, detail-driven Underwriter to assess credit risk across our deal flow. You'll analyse financials, apply credit policy, and work closely with sales, broker partners, ops, and credit to help move good deals fast - and stop bad ones faster. This is a hands-on role where accuracy, commercial instinct, and pace are essential.\nKey Responsibilities\nUnderwrite deals from $25K to $1.5M, with decisioning authority aligned to experience\nAnalyse financials, bank data, and open banking feeds to assess creditworthiness\nApply credit risk policies accurately and flag sensible exceptions for review\nSupport offer structuring that balances speed, risk, and commercial value\nWork closely with sales and our broker partners to support fast decisions and clean execution\nEscalate edge cases and complex scenarios to senior underwriters or credit leadership\nMaintain accurate underwriting documentation and CRM records\nContribute insight and feedback to help refine credit policy over time\nRequirements\nWhat We're Looking For\n2+ years' credit assessment or underwriting experience in SME or commercial lending\nExperience in unsecured, short-term SME underwriting, including products such as merchant cash advances, revenue-based finance, or daily/weekly-repayment products\nConfident analysing bank statements, open banking data and financials to assess serviceability and cash flow\nWorking knowledge of ATO, ASIC, PPSR and credit bureau (Equifax/illion) checks\nExperience designing or owning credit policy, pricing grids, or scorecards, not just applying frameworks set by others\nHas held a meaningful delegated lending authority and decided deals independently\nAbility to size and price deals behind existing lenders based on remaining cash flow\nClear, commercial communicator with sales and broker partners\nEligible to work in Australia\nBonus\nExperience with broker-originated deal flow\nExperience identifying fraud, doctored statements or loan stacking\nExperience with bank commercial 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