{"id":2035091,"url":"https://alion.io/job/liberis-senior-underwriter","title":"Senior Underwriter","company":{"id":51377,"name":"Liberis","domain":"liberis.com","url":"https://alion.io/company/liberis","size_band":null,"is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Greenhouse","truth_index":{"grade":"A","score":91,"open_postings":11,"ghost_share":0,"stale_share":0.364,"repost_share":0,"time_to_fill_p50_days":52,"computed_at":"2026-10-29T05:49:05Z"}},"role":"Finance","role_family":"Finance","seniority":"senior","employment_type":null,"work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Atlanta, United States"],"countries":["US"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":80000,"max_usd":153000,"period":"year","method":"role_seniority_country_remote_cell","sample_n":5022},"experience_years_min":5,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Microsoft Excel","optional":false},{"name":"SQL","optional":false}],"status":"live","first_seen_at":"2026-10-07T14:19:33Z","employer_posted_date":"2026-10-07","last_verified_at":"2026-10-29T08:09:08Z","board_verified":true,"closed_at":null,"days_open":21,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":21},"description":"At Liberis, our mission is to empower small and medium-sized businesses by removing finance as a friction to growth, delivering contextual, embedded financial solutions to support merchants at every stage of their business lifecycle.\nThe team\nWe are the Risk team responsible for managing the credit risk of Liberis’ portfolios, which include designing effective new strategies, managing the credit quality of our products across geographies, and providing specialist credit risk advice to the business.\nThe Risk team is primarily based in London, UK with colleagues in Atlanta, US and Stockholm, Sweden too and covers Risk Analytics, Decision Science and Underwriting. Our mission is to grow Liberis profitably to become the leading embedded business finance provider and we are looking for an Underwriter to join us on this journey.\n\nWho are you?\nYou are an experienced underwriter who combines strong credit judgment with a practical, customer-aware approach. You are comfortable making independent decisions on complex applications, explaining your rationale, and helping others strengthen theirs. You take ownership of quality and timeliness and use your experience to improve how the team works.\nReporting to the Senior Underwriting Manager in Atlanta, you will serve as a senior individual contributor within the US Underwriting team. You will assess higher-complexity applications, act as a referral point, coach and mentor for your colleagues, and contribute thought leadership to the continued development of our US underwriting approach.\nWhat you’ll be doing\nAs a Senior Underwriter, you will combine expert deal assessment with informal leadership across the team. You will make sound, balanced decisions that protect Liberis while helping small businesses access responsible finance.\nIndependently assess new and repeat funding applications, using bank statements, credit bureau data, financial statements, and other relevant information to make well-supported decisions\nExercise delegated approval authority with sound judgment, clearly documenting decision rationale and escalating applications when appropriate\nServe as a referral and escalation point for underwriters and business stakeholders on complex, unusual, or higher-risk applications\nCoach and mentor underwriters through case discussions, side-by-side reviews, constructive feedback, and regular decision calibration\nSupport onboarding and ongoing development by sharing practical underwriting knowledge, strengthening consistency, and modeling high standards\nPartner with customers and internal teams to gather information, resolve questions, and communicate underwriting decisions clearly and professionally\nProvide underwriting thought leadership by identifying portfolio trends, emerging risks, and opportunities to strengthen policies, controls, and decision quality\nLead or support process improvements and ad-hoc analysis that improve efficiency while maintaining an appropriate balance between customer experience and risk\nWhat we think you’ll need\nThe best Senior Underwriters can make decisions strategically when information is limited. They combine technical expertise with sound judgment, communicate their reasoning, and raise the capability of the people around them. Our team currently consists of several bright and talented individuals, and our next hire will further strengthen the team by not only contributing to underwriting interesting and complex deals but also by introducing fresh and experienced perspective.\n5+ years of experience in underwriting, ideally in small-business finance or a similar lending environment\nA strong record of making independent credit decisions on complex applications and defending those decisions with clear, evidence-based reasoning\nStrong knowledge of cash-flow analysis, affordability, financial statements, credit bureau information, fraud indicators, and common small-business debt structures\nDemonstrated experience coaching or mentoring colleagues and giving constructive feedback that improves judgment and performance\nThe ability to provide thought leadership, challenge existing approaches constructively, and influence decisions across teams\nExcellent written and verbal communication skills, including the ability to explain complex credit decisions to varied audiences\nSharp attention to detail and the ability to manage competing priorities, high application volumes, and service-level expectations\nStrong Excel skills; analytical training and exposure to SQL are a plus\nWhat happens next?\nThink this sounds like the right next move for you? Or if you’re not completely confident that you fit our exact criteria, apply anyway and we can arrange a call to see if the role is fit for you. Humility is a wonderful thing, and we are interested in hearing about what you can add to Liberis!\n #LI-CG1","description_format":"text","description_chars":4840,"description_truncated":false,"requirements":{"experience_years_min":5,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[]},"benefits":[],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["Business & SME Lending","Financial Software & Embedded Finance"],"lifecycle":[{"event":"open","at":"2026-10-07T15:41:29Z"}],"visa":[{"country":"US","licensed_sponsor":true,"evidence":"H-1B filings in 12 months: 2","filings_12m":2,"filings_prev_12m":0,"green_card_filings_12m":0,"median_offered_wage_usd":172500,"route":null,"cap_exempt":false,"checked_at":"2026-10-15T11:24:14+00:00","sources":["US Department of Labor: LCA disclosure data (H-1B, H-1B1, E-3)"],"filings_for_role_12m":0}],"liveness":{"score":75,"band":"hot","label":"Hiring now","p_open":1,"p_active":0.83,"p_room":0.9,"age_days":21,"expected_fill_days":52,"reasons":["conf:1","win:mid"],"computed_at":"2026-10-29T05:49:05Z"},"pay":null,"html_url":"https://alion.io/job/liberis-senior-underwriter","json_url":"https://alion.io/job/liberis-senior-underwriter.json","meta":{"generated_at":"2026-10-29T10:15:42Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":15488,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-10-30T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":51377},"rest":"https://alion.io/mcp/rest/get_company?id=51377"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fliberis-senior-underwriter"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fliberis-senior-underwriter"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fliberis-senior-underwriter"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/liberis-senior-underwriter\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fliberis-senior-underwriter"}],"agent":{"mcp":"https://alion.io/mcp/jobs","mcp_open":"https://alion.io/mcp/open","next":[{"tool":"get_job","arguments":{"id":2035091}},{"tool":"search_jobs","arguments":{"company":"liberis.com","detail":"compact"}},{"tool":"match_people","arguments":{"job_id":2035091},"note":"people open to offers who fit this vacancy"}],"note":"The same data through MCP tools: https://alion.io/mcp/open needs no sign-in (compact searches, postings, people); https://alion.io/mcp with an Alion account has everything. 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