Title: SBA Sr Underwriter Location: Remote - OSAGE BEACH, MO $120,000 ‒ $140,000 Annually SBA Position Summary: The SBA Sr. Underwriter is a senior-level credit professional responsible for independently underwriting, structuring, and risk-assessing complex SBA and USDA loan transactions. This role ensures credit decisions align with the Company’s credit risk management strategy, internal credit policy, and SBA/USDA regulatory requirements. The Sr. Underwriter exercises advanced credit judgment and serves as a key partner to lending teams, influencing deal structure and credit outcomes. This role also functions as a resource to junior underwriters, providing guidance, mentorship, and quality review to support consistency and elevate underwriting standards across the team. The ideal candidate demonstrates deep expertise in Government Guaranteed Lending, strong analytical and structuring capabilities, and the ability to manage complex credit relationships and risk scenarios. Job Functions: - Independently underwrite and structure complex SBA 7(a), 504, Express, and USDA loan transactions, including multi-entity borrowers and global cash flow analysis. - Lead the credit structuring strategy, balancing risk mitigation with business objectives. - Analyze borrower financial statements, projections, and global cash flow to assess repayment capacity and overall risk profile. - Evaluate collateral adequacy, guarantor strength, and structural enhancements for complex or higher-risk transactions. - Prepare and present comprehensive credit memoranda, and defend recommendations to senior credit leadership or loan committees. - Serve as a primary credit partner to Business Development Officers, advising on deal structure, credit viability, and risk considerations. - Collaborate with Business Development Officers, Closing, and Servicing teams to resolve credit issues and structure appropriate lending solutions. - Exercise independent credit judgment, including identifying and addressing nuanced or emerging risks. - Review and provide feedback on credit analyses and write-ups prepared by junior underwriters to ensure quality, accuracy, and consistency. - Mentor and support less experienced underwriting staff, contributing to team development and knowledge transfer. - Resolve complex or ambiguous credit issues, including policy exceptions and elevated risk scenarios. - Identify opportunities to improve underwriting processes, templates, and credit standards. - Maintain deep expertise in SBA/USDA program requirements and serve as a subject matter expert within the organization. - Must complete all required training, including Bank Secrecy Act/Anti-money Laundering training, suitable to his or her position within the bank. Education/Experience: - Bachelor’s degree in Finance, Accounting, Business Administration, Economics, or related field required. - 5+ years of progressive commercial underwriting experience, with a strong focus on SBA and USDA government guaranteed lending. - Demonstrated ability to independently underwrite complex credit transactions, including multi-entity structures and global cash flow. - Proven experience structuring loans with layered risk considerations (collateral, guarantors, projections). - Experience presenting or defending credit recommendations to loan committees or senior credit officers. - Prior experience mentoring or reviewing junior analysts/underwriters preferred. Advanced credit training or professional certification (e.g., CRC) str Skills & Competencies: - Advanced expertise in financial statement analysis, global cash flow, and projections - Strong credit judgment with the ability to assess and mitigate complex risk scenarios - Deep knowledge of SBA 7(a), 504, and USDA guidelines, including regulatory requirements - Ability to structure and negotiate complex credit solutions - Excellent written and verbal communication skills, including persuasive credit writing - Strong stakeholder management and ability to influence credit and lending decisions - Leadership skills, including mentoring and informal team leadership - Ability to manage multiple complex priorities with a high degree of accuracy and accountability - High level of professionalism, integrity, and adaptability - Proficiency in Microsoft Office and loan origination systems (e.g., nCino, LaserPro) Physical Requirements: - Prolonged periods sitting at a desk and working on a computer. - Must be able to lift up to 25 pounds at times. Work Arrangement: - This position is remote. - Occasional travel may be required for in-person training or meetings. EEO Statement We are an equal-opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or veteran status, or any other protected category. All offers of employment shall be subject to successful completion of all pre-employment screenings, verifications, and processes. Failure to comply with these processes or failure to successfully pass all phases of the pre-employment screening will result in a withdrawal of the employment offer. Other Duties: Please note that this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities required of the employee for this job. Duties, responsibilities, and activities may change at any time, with or without notice. Compensation is based on geographic location and individual pay decisions will vary based on demonstrated job related skills, knowledge, experience, education, certifications, etc. Benefits: - 401(k) - 401(k) matching - Health insurance - Dental insurance - Life insurance - Paid time off - Vision insurance - Short- and Long-term disability - Company-paid holidays

We're building a system that represents domain knowledge as modular probabilistic models — making analysis rigorous and transparent. Users can connect these models flexibly into larger structures. The system enforces consistency across them, and propagates uncertainty through each step. Our first applications are in finance and scientific research, with use cases ranging from equity valuation and distress monitoring, to particle physics. Behind this work is a Finance team that holds the function to the same standard: rigorous, transparent, and built to last. You'll be the analytical and systems engine of that team — owning our financial tooling, workforce analytics, and compensation modelling, while caring just as much about whether the numbers make sense as whether the systems run. Location: Remote (working hours typically 09:00-18:00 CET) Reports to: Finance Manager Team: Finance (3 people total) What you'll own - Finance systems & automation — build and maintain our automated data layer: API pulls from Xero, Deel, and Revolut into Google Sheets; LLM-assisted scripts; live dashboards for cash, spend, and workforce data; and ongoing automation of the Deel ↔ Xero integration 1 - Cash Management Dashboard — own the design, build, and maintenance of our cash monitoring tool, feeding liquidity management and treasury decisions with clean, reliable data - Workforce analytics & reporting — track FTE costs by team and country, model employment-type and location trade-offs, and surface insights that inform hiring and structure decisions - Compensation modelling & data — own the data gathering, modelling, and tooling behind our compensation framework: market benchmarking, comp band maintenance, and analytical input to compensation decisions - Achievement rewards (bonus scheme) — run the quarterly bonus calculation end-to-end: tool-intensive computation, eligibility tracking, and handoff to payroll for execution - Headcount planning model — maintain the hiring plan vs. budget model, cost implications of new hires across employment types, hiring schemes, updated real time as plans evolve - Vendor tooling & new product research — design our vendor management system and lead evaluation of new tools and services; you know what good tooling looks like and can assess fit quickly What we're looking for what we're looking for - MSc degree in a quantitative domain is a strong plus - 2–4 years in a role that genuinely combined financial analysis with data or systems work — FP&A at a tech startup with a strong automation component, finance operations where you built the tools as well as ran them, or a people analytics function with a financial modelling dimension - You have demonstrably built things: API integrations, scripted data pipelines, LLM-assisted tools, connected Google Sheets models — evidenced in your CV, not described as an interest - Strong in Google Sheets or Excel at the modelling level — you build connected, maintainable models and know when a formula stops being the right answer and a script begins - You care about whether the numbers are right, not just whether the system runs — you read the outputs of the tools you build, spot anomalies, and flag them without being asked - Genuine curiosity about workforce and compensation data: what it is the total cost to the company of hiring someone in France vs. Portugal, how a hiring plan affects runway, which comp benchmarking sources are worth trusting, how to triangulate between them to get to the best answer - Familiarity with Deel, Xero, or comparable platforms at data-access level — you know how to work with their APIs to get clean data out, not just navigate the interface - Self-directed and precise — you set your own structure, push work forward without prompting, and are as comfortable saying "this doesn't look right" as you are shipping something new Who thrives here You don't accept "that's how we've always done it." When you spot a manual step, your instinct is to understand why it exists and whether it should — and then to fix it properly, not patch it. You document what you build so that the next person can pick it up without asking you ten questions. You hold yourself to a no-error standard. The tools you build feed payroll decisions, compensation reviews, and leadership reporting — "almost right" has real consequences downstream, and you know that. You're the person who reads the output twice before sending it, not because someone told you to, but because that's who you are. You're comfortable working with smart, demanding people who push back, ask hard questions, and expect you to do the same. This isn't a role where you execute quietly and wait for instructions — you're expected to flag problems early, propose solutions, and take ownership of outcomes.

We're building a system that represents domain knowledge as modular probabilistic models — making analysis rigorous and transparent. Users can connect these models flexibly into larger structures. The system enforces consistency across them, and propagates uncertainty through each step. Our first applications are in finance and scientific research, with use cases ranging from equity valuation and distress monitoring, to particle physics. Behind this work is a Finance team that holds the function to the same standard: rigorous, transparent, and built to last. You'll be the analytical and systems engine of that team — owning our financial tooling, workforce analytics, and compensation modelling, while caring just as much about whether the numbers make sense as whether the systems run. Location: Remote (working hours typically 09:00-18:00 CET) Reports to: Finance Manager Team: Finance (3 people total) What you'll own - Finance systems & automation — build and maintain our automated data layer: API pulls from Xero, Deel, and Revolut into Google Sheets; LLM-assisted scripts; live dashboards for cash, spend, and workforce data; and ongoing automation of the Deel ↔ Xero integration 1 - Cash Management Dashboard — own the design, build, and maintenance of our cash monitoring tool, feeding liquidity management and treasury decisions with clean, reliable data - Workforce analytics & reporting — track FTE costs by team and country, model employment-type and location trade-offs, and surface insights that inform hiring and structure decisions - Compensation modelling & data — own the data gathering, modelling, and tooling behind our compensation framework: market benchmarking, comp band maintenance, and analytical input to compensation decisions - Achievement rewards (bonus scheme) — run the quarterly bonus calculation end-to-end: tool-intensive computation, eligibility tracking, and handoff to payroll for execution - Headcount planning model — maintain the hiring plan vs. budget model, cost implications of new hires across employment types, hiring schemes, updated real time as plans evolve - Vendor tooling & new product research — design our vendor management system and lead evaluation of new tools and services; you know what good tooling looks like and can assess fit quickly What we're looking for what we're looking for - MSc degree in a quantitative domain is a strong plus - 2–4 years in a role that genuinely combined financial analysis with data or systems work — FP&A at a tech startup with a strong automation component, finance operations where you built the tools as well as ran them, or a people analytics function with a financial modelling dimension - You have demonstrably built things: API integrations, scripted data pipelines, LLM-assisted tools, connected Google Sheets models — evidenced in your CV, not described as an interest - Strong in Google Sheets or Excel at the modelling level — you build connected, maintainable models and know when a formula stops being the right answer and a script begins - You care about whether the numbers are right, not just whether the system runs — you read the outputs of the tools you build, spot anomalies, and flag them without being asked - Genuine curiosity about workforce and compensation data: what it is the total cost to the company of hiring someone in France vs. Portugal, how a hiring plan affects runway, which comp benchmarking sources are worth trusting, how to triangulate between them to get to the best answer - Familiarity with Deel, Xero, or comparable platforms at data-access level — you know how to work with their APIs to get clean data out, not just navigate the interface - Self-directed and precise — you set your own structure, push work forward without prompting, and are as comfortable saying "this doesn't look right" as you are shipping something new Who thrives here You don't accept "that's how we've always done it." When you spot a manual step, your instinct is to understand why it exists and whether it should — and then to fix it properly, not patch it. You document what you build so that the next person can pick it up without asking you ten questions. You hold yourself to a no-error standard. The tools you build feed payroll decisions, compensation reviews, and leadership reporting — "almost right" has real consequences downstream, and you know that. You're the person who reads the output twice before sending it, not because someone told you to, but because that's who you are. You're comfortable working with smart, demanding people who push back, ask hard questions, and expect you to do the same. This isn't a role where you execute quietly and wait for instructions — you're expected to flag problems early, propose solutions, and take ownership of outcomes.

• Identify trends that will improve the overall AR by completing analysis of charge validation and denials resolution. • Perform a variety of patient accounting functions including insurance and self-pay billing, remit analysis and cash posting, accounts receivable management, and claims follow-up. • Ensure proper charge capture, billing, and adjudication of claims in accordance with federal, state and private billing guidelines. • Monitor Discharged Not Final Billed (DNFB) to determine necessary actions required to minimize the volume and value of accounts being held. • Analyze and escalate themes for payer relation bulk resolution. • Obtain and compare data from multiple sources and review for discrepancies using various applications. • Support the Patient Financial Services department with performing complex process and system analysis. • Provide guidance, communicate, and serve as subject matter expert for assigned service line related to the billing and collections process. • Assist with special projects as assigned by Revenue Cycle Leaders.