Underwriter Analyst

| Chicago

Position Summary:

Enova is currently searching for a bright, energetic, and creative Underwriting Analyst to join our team; problem-solvers, self-directors and action-oriented thinkers are required. You will be expected to hit the ground running learning the technologies, strategies, and analytical techniques that will enable you to contribute to the continued success of the company. You’ll be expected to maintain standard operating procedures, quality assurance checks, performance metrics, and training programs. The role will be focusing on supporting Enova’s small business financing product, Headway Capital (www.headwaycapital.com).

Perks/Benefits: 

  • The office is located within walking distance to both Union Station and Ogilvie which makes it easy to commute from within the city or the suburbs. 
  • Commuter benefits, health care benefits, a 401K matching plan, summer hours, tuition reimbursement, and a sabbatical program.
  • Revamped parental leave program (and brand new nursing rooms for our returning mothers!) 

What You'll Do Here:

  • Underwrite small business new loan applications and account reviews by combining your commercial lending experience and Enova’s sophisticated technology and analytics solutions.
  • Evaluate credit worthiness by preparing underwriting documentation and present approvals to the underwriting committee
  • Maintain key performance indicators to meet the effectiveness and quality of the team and processes
  • Ensure adherence to all applicable lending policies, procedures, and regulatory compliance
  • Comply with policies and procedures to ensure underwriting functions are performed in a timely, efficient, and professional manner

What We Need From You:

  • Undergraduate degree in finance, business or related field.
  • 1-3 years’ in commercial loan underwriting and processing, preferably for a regional or community bank or a credit union.
  • Knowledge of ratio analysis, trend and cash flow analysis, ability to determine viability of borrower projections
  • Thorough understanding of commercial underwriting process to include documentation, risk management, and compliance.
  • Strong organizational, analytical, communication and interpersonal skills.
  • High energy, team player, creative thinker, and strategic influencer.
  • Demonstrated experience in working with broad cross-functional teams.
  • Experience with product launch or new initiatives highly preferred.

Stuff We Like, But Don't Require:

  • Exposure to running SQL database queries preferred
  • Worked in the Financial Services or Tech Industry

Underwriting Team Overview:

Be a key member of Enova’s new business initiatives, expanding our unique approach to using technology and analytics for online lending into the small business-financing sector. Our Underwriting team brings hands on commercial loan underwriting experience to Enova’s web based financial lending products. Their goals are simple and focused: Develop new and market leading approaches, maintain key performance indicators, and ensure adherence to all applicable lending policies, procedures, and regulatory compliance.

Enova Overview:

Enova is a leading provider of online financial services that leverages its advanced technology and analytics to provide access to credit for non-prime consumers and small businesses. Our roots are in Chicago, but we have served nearly 5 million customers through our six businesses in the U.S. and abroad. We pride ourselves on hiring smart and driven people who bring new and innovative ideas to the table. Our philosophy is, "Life’s short. Work someplace awesome."

Our goal at Enova is to recruit, hire, develop and maintain a diverse workforce. It is our policy to provide equal employment opportunity for all persons and not discriminate in employment decisions by placing the most qualified person in each job, without regard to any other classification protected by federal, state, or local law.

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Technology we use

  • Engineering
  • Product
    • GolangLanguages
    • PythonLanguages
    • RubyLanguages
    • Ruby on RailsFrameworks
    • PostgreSQLDatabases
    • IllustratorDesign
    • PhotoshopDesign
    • JIRAManagement

Location

175 W Jackson - Located right in the loop and easily accessible from the suburbs or the city.
Enova uses collaboration (plus a #win tradition) to tackle challenges
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An Insider's view of Enova

How would you describe the company’s work-life balance?

Enova encourages employees to own their work-life balance journey by providing an environment that allows them to be successful. Leaders value the results you create, rather than the number of hours in front of your desk to get to those results. Bottom line, people respect that you have your own unique working style, which is yours to discover.

Jungmin

Cho

What are some social events your company does?

Enova’s social calendar has something for everyone. Events range from comedy shows to bowling for charity. We host & sponsors events, including the Chicago Women in Tech conference and weekly meetups. It’s easy to find people with similar interests; if there’s something missing from Enova’s social list, make it happen! People will definitely join.

Curtis

Hiller

What are Enova Perks + Benefits

Health Insurance & Wellness Benefits
Flexible Spending Account (FSA)
Disability Insurance
Dental Benefits
Vision Benefits
Health Insurance Benefits
Life Insurance
Pet Insurance
Wellness Programs
Onsite Gym
Retirement & Stock Options Benefits
401(K) Matching
Performance Bonus
Child Care & Parental Leave Benefits
Generous Parental Leave
Family Medical Leave
Vacation & Time Off Benefits
Paid Volunteer Time
Sabbatical
Paid Holidays
Paid Sick Days
Perks & Discounts
Beer on Tap
Casual Dress
Commuter Benefits
Company Outings
Game Room
Stocked Kitchen
Happy Hours
Fitness Subsidies
Professional Development Benefits
Job Training & Conferences
Tuition Reimbursement

Additional Perks + Benefits

Sabbatical program • Summer Hours • Recognition programs • On-site discounted yoga, manicures, haircuts and massages • After-hours food delivery and commuting reimbursement • Monthly social events • Discounted gym memberships • Intramural sports • Pet insurance

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