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Brex is an intelligent finance platform serving tens of thousands of companies globally with corporate cards, banking, spend management, bill pay, and travel software. The Operations team owns credit, fraud, money movement, and payments—the backbone of Brex's mission.
As an Underwriting Analyst, you will support underwriting processes for Brex's card products while developing your skills as a credit professional. You'll work assigned cash-based underwriting queues, including account reviews, limit changes, and credit-related requests. Your core responsibilities include evaluating customer creditworthiness and repayment capacity using bank statements, transaction data, cash-flow trends, and other business information. You will analyze cash balances, revenue, burn, runway, utilization, and transaction activity to identify evolving credit risk, then make sound, risk-based recommendations within your delegated authority that balance customer impact with responsible exposure management.
You'll communicate underwriting decisions, rationale, and information requirements clearly to internal partners and customers. Cross-functional collaboration is essential—you'll partner with Sales, Customer Experience, Credit Policy, Risk, Data, Product, and Engineering to resolve complex cases and improve the end-to-end credit experience. You'll identify recurring issues and opportunities to improve underwriting quality, efficiency, and consistency, using data, spreadsheets, and AI-enabled tools to streamline routine work and surface actionable insights. Over time, you'll have the opportunity to develop into more senior credit responsibilities.
This role requires strong communication, time management, financial analysis, and teamwork.
**Requirements:**
- Passionate about credit and underwriting decisions on commercial exposures for small to large businesses
- Strong analytical rigor and attention to detail
- Customer-centric mindset; ability to think through customer needs while balancing risk exposures
- Ability to communicate technical problems in an elegant and tactful way
**Bonus Points:**
- Familiarity with quantitative credit risk models, probability of default (PD), and loss given default (LGD) concepts
- Familiarity with underwriting or credit-risk tooling and workflows
- Experience using SQL, Hex, spreadsheets, or similar tools to analyze data and identify trends
- Familiarity with banking regulations and global markets
- Experience using Salesforce or comparable case-management tools
