Underwriter II

About Atrium:

What you do matters. As a people-centric organization, we foster an environment of collaboration, high performance, and innovation where your talents are valued, and your achievements are celebrated. Join us and become part of an inclusive team.

Client Overview:

Our client is a growing and dynamic financial services organization specializing in asset-based lending and floor plan financing across multiple industries, including Marine, RVs, Manufactured Housing, Trailers, Power Sports, Construction, and Technology. Their company is committed to providing smart, flexible financing solutions that drive business growth and dealer success. Their team is now looking for an Underwriter II.

Salary/Hourly Rate:

$38/hr – $40/hr

Position Overview:

An exciting opportunity is available for an Underwriter II to join the underwriting team. Reporting to the Senior Risk Manager, this role is responsible for performing credit due diligence, financial analysis, and managing documentation and conditions for both new and existing clients. This Underwriter II role focuses on moderately complex credit structures within asset-based and floor plan lending, helping assess and mitigate risk, and ensure strong portfolio performance.

Responsibilities of the Underwriter II:

• Conduct due diligence and risk assessment for new dealer and distributor credit files, including financial analysis, credit line recommendations, and required documentation review.
• Structure complex transactions and negotiate credit documentation to appropriately mitigate risk, particularly within asset-backed and floor plan lending models.
• Complete annual reviews of existing clients, analyzing operational performance and financials to recommend credit terms, conditions, and required collateral.
• Communicate effectively with sales teams, financial services, and external clients to align on documentation needs, credit terms, and risk factors.
• Monitor an assigned portfolio of dealer accounts, evaluating changes in ownership, collateral structure, or business operations to recommend go-forward security requirements.
• Perform special reviews related to overlines, temporary or permanent credit increases, new product additions, and high-risk monitoring.
• Prepare and present credit packages and financial summaries to internal stakeholders and executive decision-makers.
• Contribute to various projects and assignments that support credit risk management, reporting, and process improvement initiatives.

Required Experience/Skills for the Underwriter II:

• 2+ years of experience in commercial lending, underwriting, or credit analysis.
• Experience with floor plan lending.
• Ability to evaluate financial statements, identify trends, and make informed credit decisions.
• Experience in managing multiple credit files and assessing dealer performance and collateral quality.
• Ability to clearly present findings and recommendations.
• Familiarity with regulated financial services and audit processes.
• Experience with credit tracking tools, workflow processes, or compliance monitoring systems.
• Minimal travel required.

Preferred Experience/Skills for the Underwriter II:

• Knowledge of industry-specific credit risk factors related to inventory-backed lending.

Education Requirements:

• Bachelor’s degree in Accounting, Finance, or Business Administration is preferred.

Benefits:

• Competitive salary and potential for performance-based bonuses.
• Comprehensive health, dental, and vision insurance.
• 401(k) plan with employer match.
• Paid time off (PTO) and company holidays.
• Professional development and growth opportunities.

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As a woman-owned firm, we value diversity. We are an equal opportunity and affirmative action employer and will consider all applications without regard to race, sex (including gender, pregnancy, sexual orientation and gender identity), age, color, religion or creed, national origin or ancestry, veteran status, disability (physical or mental), genetic information, citizenship or any other characteristic protected by law. We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Candidates who apply for roles through the Atrium website will be added to our candidate pool and may be considered for additional roles of a similar title. Please contact us to request an accommodation.
EOE/M/F/D/V/SO