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Salary: USD 120,000 - 155,000 / annual
inKind is seeking an Underwriting & Funding Manager to evaluate restaurant funding opportunities and make disciplined, timely funding decisions. You will own the complete review process from initial diligence through final recommendation or approval, helping inKind fund strong restaurant partners while managing risk effectively.
Key Responsibilities:
- Review new funding opportunities by assessing applications, financial statements, sales trends, bank activity, existing obligations, and supporting materials for completeness and accuracy
- Underwrite restaurant businesses by evaluating operating performance, cash flow, liquidity, ownership experience, and ability to support proposed funding structures
- Determine appropriate funding terms, recommending amounts, structures, conditions, and risk mitigants based on analysis and underwriting guidelines
- Make funding decisions within delegated authority; approve or decline requests and present exceptions or larger transactions to appropriate decision-makers
- Document underwriting judgment through concise summaries explaining opportunity, key risks, assumptions, and decision rationale
- Lead diligence efforts working with restaurant owners and internal teams to resolve questions, verify information, and identify material discrepancies or potential fraud
- Coordinate funding readiness by confirming required approvals, documentation, and conditions are complete before funds are released
- Improve underwriting processes by refining standards, approval workflows, and reporting to enhance consistency and efficiency
- Learn from portfolio performance by partnering with monitoring teams to compare actual results against underwriting assumptions
About inKind:
inKind connects diners with exceptional restaurants across the country through a rewards app where guests earn 20% back on every meal. The platform partners with thousands of restaurants and serves millions of users seeking to discover great places and earn meaningful rewards. inKind supports restaurant groups and neighborhood favorites alike, helping diners explore their cities' best restaurants while supporting the chefs and operators who shape local food culture.
Requirements:
- 4+ years of experience in commercial underwriting, small business financing, fintech lending, credit analysis, investment analysis, or related field
- Strong financial statement analysis and modeling skills, including evaluation of cash flow, liquidity, leverage, repayment capacity, and unit-level economics
- Experience independently evaluating transactions, assessing financial and operational risks, and making or recommending funding decisions
- Experience building, implementing, or improving underwriting processes with focus on automation, operational efficiency, and scalable decision-making
- Ability to translate underwriting policies, financial thresholds, risk indicators, and approval requirements into structured business rules and automated workflows
- Strong analytical and technical aptitude with ability to work with financial datasets, identify patterns, validate information, and support data-driven decisions
- Strong Excel or Google Sheets skills including financial modeling, scenario analysis, and transaction-level data work
- Familiarity with underwriting systems, financial data platforms, automated decisioning tools, or workflow automation technologies
- Ability to partner effectively with Product, Engineering, and Data teams to define requirements, test solutions, and implement improvements
- Sound commercial judgment balancing funding opportunities, execution speed, and disciplined risk management
- Clear written and verbal communication skills explaining complex financial findings and technical requirements to diverse stakeholders
- Strong organization, attention to detail, and follow-through managing multiple funding reviews and process improvements
Preferred Experience:
- Restaurant, hospitality, or multiunit business underwriting experience
- Familiarity with restaurant POS data, payment processing systems, seasonality, food and labor costs, and location-level profitability
- Experience with alternative financing structures including revenue-based financing or merchant cash advances
- Hands-on experience implementing automated underwriting workflows, rules-based decision engines, risk-scoring models, or automated approval processes
- Experience integrating or analyzing financial data from banking platforms, POS systems, payment processors, or third-party data providers
- Working knowledge of SQL and experience with Snowflake, Sigma, Tableau, or similar data and business intelligence platforms
- Experience using AI, machine learning, or automation tools to improve financial analysis, document processing, risk assessment, or underwriting efficiency
- Track record building or refining underwriting policies, approval frameworks, and risk management processes in high-growth fintech or lending environments
