Underwriter
Capchase | Islamabad / Lahore, Islamabad Capital Territory / Punjab, PK | hybrid
Apply for the Underwriter role at Capchase in Pakistan. Full-time hybrid opportunity in Islamabad / Lahore requiring commercial credit, underwriting, U.S. lending practices, financial analysis and 3-5 years of relevant financial-services experience.
Job description
Capchase is hiring an Underwriter for a full-time, hybrid role in Pakistan, with the official location listed as Islamabad / Lahore. The role sits within the Risk / Credit team and focuses on evaluating commercial borrowers, applying Capchase's proprietary credit policy, making credit decisions, and supporting vendor and channel partners with fast and well-documented underwriting decisions.
Responsibilities
- Perform risk assessments on potential commercial borrowers using commercial credit-bureau information, internal borrowing history, and other firmographic and risk factors.
- Evaluate compliance requirements, including OFAC and KYC screening.
- Apply Capchase's proprietary credit policy to assign borrower ratings, credit limits, and specific loan features.
- Identify when additional financial documents or borrower information are required and clearly explain why.
- Review borrower documents for accuracy and completeness.
- Spread customer financial information and analyze standard financial ratios.
- Support colleagues and leaders on large and complex transactions.
- Record loan-application decisions and document the specific basis for each decision.
- Maintain a strong focus on client relationships and customer service while making credit decisions.
Requirements
- 3-5 years of experience in commercial financial services; credit-risk experience is preferred.
- 3+ years of experience underwriting commercial borrowers.
- 2+ years of experience in a transactional operations environment with high-volume processing.
- Bachelor's degree in Finance, Engineering, Computer Science, or a related discipline.
- Strong analytical capabilities and excellent attention to detail.
- Experience with U.S. commercial lending practices.
- Ability to maintain U.S. working hours and the U.S. holiday schedule.
- Nice to Have
- Experience underwriting vendor-financed or channel-financed transactions.
- Familiarity with equipment leasing or equipment-financing concepts as applied to technology.
- Experience with Salesforce or a comparable loan-origination / CRM system.
- Exposure to fintech, SaaS, or B2B lending environments.
- Experience working at a high-growth startup.
Skills
- Commercial Underwriting
- Credit Risk
- Commercial Lending
- Financial Analysis
- Financial Ratios
- Risk Assessment
- Credit Policy
- Borrower Analysis
- OFAC Screening
- KYC
- Transactional Operations
- High-Volume Processing
- Commercial Credit
- Document Review
- Client Relationship Management
- Customer Service
- Salesforce
- Fintech
- B2B Lending
- Equipment Financing