Your Future Starts Now
High Energy, Fast-Paced Environment. Competitive Pay. Growth Opportunities. Work that makes a difference.
OPEN OPPORTUNITIES
Collaborative
Work Environment
From marketing and sales, to underwriting and accounting, we are a group of smart dedicated individuals that come together each day to make our customers successful. Every door is open – you can converse with the CEO, heads of departments, managers…anyone and know that are you are truly being heard and your ideas are being considered.
Work Hard,
Play Hard Mentality
The work we do each day plays a crucial role in the success of small businesses across the nation. So we take our jobs seriously. We work hard, with passion and determination. And when we succeed we celebrate just as hard with weekly contests, cash prizes, trips, dinners, events…and even in-office ping pong tournaments.
Working for an
Industry Leader
When you work for Kapitus, you are working for one of the top small business alternative lenders in the U.S. You will be part of a high energy, fast paced work environment that offers competitive pay, comprehensive benefits package, additional perks and incentives along with growth opportunities for the right candidates.
“The growth we’ve seen year over year for the past 12 years says everything about Kapitus. We have built a strong team that is eager to contribute, take risks and continuously push the company forward. We are a group of hard-working, passionate, and smart people coming together each day to make a difference in the lives of business owners. We take our work seriously, but we have a great time doing it!”
-Andrew Reiser
CEO
Arlington VA
Senior Network Administrator, Microsoft 365
Position Description:
As a Senior Network Administrator as Kapitus, you will be focused on helping our company scale through the effective use of Microsoft 365 services. This will help us continue to help small business owners find lending options so they can make payroll during tough times, scale to meet market demands, and making large purchases to scale their operations.What You'll Do
This role will give you endless opportunities to take on new responsibilities, learn new skills, and mentor others. Your teammates will be distributed between NY, VA, and Chennai.- Design and manage the organization-wide rollout of single sign-on and automatic user provisioning.
- Lead an organization-wide file migration to OneDrive and SharePoint.
- Build and maintain automation to manage cloud infrastructure, server instances, and on-premise networks.
- Lead continuous enhancement and administration of Microsoft 365 Products.
- Contribute to our living knowledgebase of technical documentation.
- Help define and measure KPIs to communicate and maintain health of services.
- Serve as escalation point for Microsoft 365 related SEV1 and SEV2 issues.
About You:
You are an internally motivated administrator, automation and simplicity are firmly rooted in the way you think and work. Passion for your craft will go a long way in making you successful in this role.- The thought of inherit ambiguity and solving complex problems genuinely excites you. You have an experimental mindset that spurs you to test ideas and validate assumptions using data.
- You are involved in the local technology community and find meetups oddly therapeutic. You love learning and are constantly working to keep your skills up to date.
- An inherent love for technology drives you to design and implement great solutions. You understand that for solutions to be successful, they have to meet real needs and drive meaningful business value.
- You have great communication and collaboration skills, an innate sense of curiosity, and an obsession with delivering solutions that bring end-users joy.
- Over the past 8+ years you’ve been busy designing and implementing best-in-class instances of Microsoft 365 services, possibly for a financial service or fintech company.
- There is a good chance that you have your MCSE or MCE. Background with AWS or Atlassian products is a plus.
About Us:
Kapitus is one of the most reliable and respected names in small business financing. As both a direct lender and a marketplace built with a trusted network of lending partners, we are able to provide small businesses the financing they need, when and how it is needed. We’ve spent the past 13 years building a culture that makes us excited to come to work in the morning. Our company is fast paced, teammates need to be self-directed and have an internal motivation to do the right thing, even when the right thing takes a lot of hard work. We show our teammates our appreciation by offering great benefits, competitive pay, and solid opportunity for growth.Position Application Instructions:
Interested candidates should send a resume to: jobs@kapitus.com Arlington VA
Lead Full Stack Developer, Risk
New York NY
Position Description:
As lead developer at Kapitus, you will be part of a persistent scrum team focused on designing and developing our next generation risk platform. This will help us continue to help small business owners find lending options so they can make payroll during tough times, scale to meet market demands, and making large purchases to scale their operations.What You'll Do
teammates will be distributed between NYC and Chennai.- Design, code, and test software that makes you proud enough to contribute to our ever-growing wiki.
- Build a deep understanding of our current infrastructure and help us find ways to make it better.
- Partner with other developers to help find solutions for technical problems they are facing.
- Advocate for agile engineering practices and DevOps mindset that will help raise the bar for our software.
About You:
You are an internally motivated developer, extensibility and maintainability are firmly rooted in the way you think and work. Passion for your craft will go a long way in making you successful in this role.- Clean code is important to you because friends don’t let friends leave dangling array references after foreach loops!
- The first time you stood up a continuous deployment pipeline, committed code, and saw a Jenkins notification come through that said “SUCCESS” was one of the greatest moments of your life.
- You write great tests. Not tests for the sake of tests, but tests that help your team think through code design and protect themselves from regression so they can ultimately move faster.
- The thought of inherit ambiguity and solving complex problems genuinely excites you. You have an experimental mindset that spurs you to test ideas and validate assumptions using data.
- You are involved in the local development community and find meetups oddly therapeutic. You love learning and are constantly working to keep your skills up to date.
- There is an entrepreneurial spark that drives you to design and develop great products. You understand that for software to be successful, it has to meet real needs and drive meaningful business value.
- You have great communication and collaboration skills, an innate sense of curiosity, and an obsession with delivering products that bring end-users joy.
- Over the past 8+ years you’ve been busy building software, possibly for a financial service or fintech company.
- There is a good chance that you’ve got a repo or two on GitHub that we should check out.
About Us:
Kapitus is one of the most reliable and respected names in small business financing. As both a direct lender and a marketplace built with a trusted network of lending partners, we are able to provide small businesses the financing they need, when and how it’s needed. We’ve spent the past 13 years building a culture that makes us excited to come to work in the morning. Our company is fast paced, teammates need to be self-directed and have an internal motivation to do the right thing, even when the right thing takes a lot of hard work. We show our teammates our appreciation by offering great benefits, competitive pay, and solid opportunity for growth.Position Application Instructions:
Interested candidates should send a resume to: jobs@kapitus.com Arlington VA
Senior Data Scientist
Arlington, VA
Primary Responsibilities:
- Build predictive models including but not limited to credit risk, marketing, fraud, and offer acceptance propensity
- Perform through testing and validation of models and support various aspects of the business with data analytics; I.e., experience with data and model governance
- Identify new data sources/patterns that add significant lift to predictive modeling capabilities; ideally come in with existing knowledge about relevant datasets/services, to leverage
- Research, design, implement and validate cutting-edge algorithms/models to analyze diverse sources of data to achieve targeted outcomes; I.e., be up to date on data science research (papers and libraries); be able to build and evaluate models yourself
- Conduct analysis and turn insights into actionable changes for predictive models or policies; have experience identifying and prioritizing the business impact
- Recommend ongoing improvements / tuning to methods and algorithms currently in use/production
- Deliver informative and effective findings, results and recommendations from statistical analysis to stakeholders, both technical and non-technical audiences
- Effectively mentor non-statistical programming peers about statistical programming practices.
Qualifications:
- MS in Statistics, Economics, Finance, Survey Research or other related quantitative field
- Strong understanding of Computer Science fundamentals
- 4+ years Statistics/data modeling in an applied context
- Proven track record of building new models and improving existing models
- Strong attention to detail; excellent communication and project management skills
- Thorough understanding of statistical modeling techniques
- Advanced Python or R; we are a primarily-Python shop
- Exploratory data analysis and visualization
- Experience with marketing mix modeling, digital attribution modeling, multivariate regression, time-series modeling, Bayesian statistics, segmentation modeling, machine learning, data mining, simulation, optimization, forecasting
- Have a portfolio (e.g., website, github, paper references, etc.) of papers, visualizations, or software
- Agile, Scrum experience
- Salesforce
- Strong SQL; we primarily use MySQL
- Big data: e.g., competence with Spark, Redshift or Snowflake
Desirable Experience:
- Profession experience at a financial services organization
- Econometric modeling, traditional modeling techniques (regression, tree-based models), deep learning
Position Application Instructions:
Interested candidates should send a resume to: jobs@kapitus.com Arlington VA New York
Credit Underwriter
New York NY
Position Description:
The Credit Underwriter will underwrite all new merchant applications to ensure compliance with underwriting guidelines and risk standards.Primary Responsibilities:
- Responsible for full cycle underwriting of assigned small business financing
- Determine the ability of the merchant to repay financing based on analysis of the client’s cash flow statements, tax returns, and other financial information
- Perform detailed financial analysis on the small business, including trend and ratio analysis, and interpret the financial information to determine credit quality and cash flow adequacy
- Perform credit analysis and financial statement analysis on co-owners, guarantors, and individuals to determine assets coverage for requested loan amounts
- Provide recommendations for approval, or declines of merchant applications
- Communicate decisions effectively in both verbal and written communication
- Perform other due diligence as needed to determine the creditworthiness of a small business owner
Qualifications:
- Bachelor's degree in finance, accounting, business, or comparable area of study
- 2+ years’ experience working in a financial institution underwriting small/medium size businesses
- Strong analytical skills including the ability to read and assess individual and company financial statements, cash flow, credit reports, and other financial documentation.
- Proficient in various spreadsheet, word processing, and CRM applications
- Basic knowledge of credit principles, lending operations, loan research, and general credit policies
- Team player with the ability to take the initiative
- Detail oriented and the ability to work well under pressure
- Strong analytical, interpersonal, and presentation skills
We deliver our credit products through a network of partners, offering the equivalent of a bank loan but through a technology-enabled process that can deliver capital in as little as 2 business days. Our standard product is a fixed rate, short term working capital loan with no prepayment penalties. Because we use our own capital, we employ risk-based pricing to lend to businesses with varying credit profiles and for various purposes – working capital, inventory, capital improvements, expansion of facilities, acquisitions, ownership related events, and equipment purchases.
Position Application Instructions:
Interested candidates should send a resume to: jobs@kapitus.com New York
Deputy Controller Role
New York NY
Position Description:
Founded in 2006 and headquartered in NYC, Kapitus has been recognized by customers and the industry as one of the most reliable and respected names in small business financing. With flexible financing options, we provide small businesses with the working capital they need to take advantage of opportunities and grow. We fund businesses in hundreds of industries and throughout multiple stages of growth. Using our first-hand knowledge of running small businesses, we are able to provide a personalized experience and financing solutions that are tailored to meet each customer’s unique situation. Kapitus is a fast growing industry leader seeking to add a passionate, hardworking professional to join our finance department. The Financial Controller is a key contributor within Kapitus. You will have an integral role in the oversight of financial activities and personnel as well as identify areas of improvement to increase efficiency. The multifaceted nature of this role will also require you to frequently interact with executive management across the company.Primary Responsibilities:
- Manage revenue, billing, collections, expense management, account reconciliations and financial reporting
- Establish procedures, strengthen internal controls and accounting policies and ensure flawless execution
- Oversee financial transactions and financial reporting
- Oversee the monthly and annual general ledger accounting close process for US and international ledgers and validate accuracy of the results
- Ownership of fiscal policies and procedures
- Ensure compliance and maintenance of internal controls to minimize financial risk
- Prepare financial reports and analysis for executive management and investors including key performance indicators and value-added commentary that helps management to run the business
- Oversight of policies and compliance processes to comply with GAAP
- Partner with other departments to improve processes to help scale the business; operate as a key advisor on the financial and control implications of delivering an agreed upon strategy
- Be an important contributor to the forecast and budget process and help drive the monthly financial review process
- Focus on expense reporting and expense management; work with the Financial Planning & Analysis team to ensure coding of expenses is correctly and consistently applied and appropriately authorized
- Help manage the vendor approval process and accrual adequacy review
- Identify and implement accounting process improvements, in particular data management, process automation, and the overall close process
Qualifications:
- Strong knowledge of Microsoft Office (Word, Excel, and PowerPoint)
- Strong knowledge of accounting systems and software; NetSuite knowledge preferred
- Strong analytical and technical accounting skills
- Ability to work under pressure & time constraints while maintaining an unwavering focus on attention to detail
- Flexibility to perform and multi-task effectively in a fast-paced, demanding environment
- Excellent communication, leadership and mentoring skills
Experience/Education:
Bachelor's degree in Accounting, Finance, or related field required. CPA preferred but not required Strong command of U.S. GAAP 5-7 years of overall combined accounting and finance experience Extremely organized and process oriented NetSuite experience preferred but not requiredPosition Application Instructions:
Interested candidates should send a resume to: jobs@kapitus.com New York
Technical Lead, Salesforce
New York NY
Position Description:
As a Technical Lead for Salesforce at Kapitus, you’ll be helping our company scale by leading the next evolution of our Salesforce.com environment. This will help us continue to help small business owners find lending options so they can make payroll during tough times, hire to meet market demands, and making large purchases to scale their operations.What You'll Do
This role will give you endless opportunities to take on new responsibilities, learn new skills, and mentor others. Your teammates will be distributed between NY, VA, and Chennai.- Serve as the primary administrator for our Salesforce.com environment.
- Work closely with stakeholders to develop business and technical requirements.
- Proactively recommend enhancements, critically review feature requests, and add to our backlog of work.
- Train new users and grow the Salesforce.com skill set across the organization.
- Lead configuration, maintenance, administration, and integration of Salesforce CRM with other systems.
- Add enhancements using VisualForce, SOQL and APEX, although advanced coding skills are not required.
About You:
You are an internally motivated Salesforce administrator, automation and simplicity are firmly rooted in the way you think and work. Passion for your craft will go a long way in making you successful in this role.- The thought of inherit ambiguity and solving complex problems genuinely excites you. You have an experimental mindset that spurs you to test ideas and validate assumptions using data.
- You are involved in the local Salesforce community and find meetups oddly therapeutic. You love learning and are constantly working to keep your skills up to date.
- An inherent love for technology drives you to design and implement great solutions. You understand that for solutions to be successful, they have to meet real needs and drive meaningful business value.
- You have great communication and collaboration skills, an innate sense of curiosity, and an obsession with delivering solutions that bring end-users joy.
- Over the past 8+ years you’ve played a hands-on role implementing at least two complex Salesforce.com projects, possibly for a financial service or fintech company.
- There is a good chance that you have an Advanced Administrator or Developer certification.
About Us:
Kapitus is one of the most reliable and respected names in small business financing. As both a direct lender and a marketplace built with a trusted network of lending partners, we are able to provide small businesses the financing they need, when and how it is needed. We’ve spent the past 13 years building a culture that makes us excited to come to work in the morning. Our company is fast paced, teammates need to be self-directed and have an internal motivation to do the right thing, even when the right thing takes a lot of hard work. We show our teammates our appreciation by offering great benefits, competitive pay, and solid opportunity for growth.Position Application Instructions:
Interested candidates should send a resume to: jobs@kapitus.com New York
Account Manager, Business Solutions
Position Description:
The Account Manager in Business Solutions is responsible for building a new portfolio of business clients through merchant services and funding. Seeking a highly motivated individual that requires strong prospecting skills to develop and build strategic alliances for maximum growth opportunities.
Essential Functions:
- Experience selling B2B in Payment Processing and/or Financial Services to Small-Large sized businesses.
- 2+ years of inside sales experience.
- Bachelor’s degree and/or comparable experience
- Self-starter and ability to multi-task in a fast-paced environment.
- Excellent negotiation, presentation and business development skills.
- Extensive industry knowledge on pricing, equipment, and/or gateways.
- Efficient planning, organization and time management skills.
- Goal oriented leader that has a proactive approach in developing relationships with merchants and ISO partners.
- Proficient in Microsoft Excel, Word, PowerPoint and Outlook and CRM.
Required Competencies:
- At least 5 years’ experience working in a Help Desk function at any level
- 3+ years of experience of working directly with the Technology teams
- 3+ years of experience monitoring and resolving requests from various business units
- Thorough understanding of business workflows and functions
- Excellent communication skills
- Excellent troubleshooting and problem solving skills
Why You Want To Work For Kapitus
You will be part of a growing company that will not only challenge you for growth but also celebrate your accomplishments. Kapitus encourages employees to be creative and open-minded. You will have the opportunity to make a strong impact and reap in the rewards.- Competitive base plus commission
- Comprehensive benefits package; health, dental, 401K and more.
Position Application Instructions:
Email resume and cover letter to jobs@kapitus.com New York
Production Support Specialist
Position Description:
To provide Production support to all users of Kapitus technology systems. Respond and resolve all issues submitted by various business users of all departments, via Help Desk request. Monitor the Jira queue of all incoming issues and resolve all tickets; if the immediate resolution is not possible, coordinate with the PMO team and Release Manager the development and release of the issue to Production
Essential Functions:
- Use Jira and help enforce the workflow within the entire team
- Support effort to maintain data integrity within CRM, Platform and between technology platforms
- Meet key staff in other business units and learn about their use of software
- Read all IT initiatives as well as understand and give input
- Drive some user acceptance testing when appropriate
Required Competencies:
- At least 5 years’ experience working in a Help Desk function at any level
- 3+ years of experience of working directly with the Technology teams
- 3+ years of experience monitoring and resolving requests from various business units
- Thorough understanding of business workflows and functions
- Excellent communication skills
- Excellent troubleshooting and problem solving skills
Desired Experience:
- Call center management or operations support
- Sales team support
- Financial services support
Position Application Instructions:
Email resume and cover letter to jobs@kapitus.com New York
Sr. Associate Vendor Relations
Position Description:
Provide front line field based sales of finance products for manufacturers and equipment dealers. Develop and maintain relationships with equipment dealers and resellers across the US. Handle all aspects of dealer and end user customer interaction in the field. Participate in planning for business segment and strategic programs. Responsible for monthly/annual new business production and margin budget.
Minimum Requirements:
- Minimum 2+ years of experience developing and managing equipment financing vendor programs
- A current book of Vendor business with track-able sales record
- Must have strong knowledge in leasing structures and pricing
- High energy, goal oriented, self-starters who pride themselves on performance
- Basic computer knowledge including Microsoft Word, Excel, and Outlook
- Ability to manage multiple tasks, work under pressure, and prioritize workload
- Must be comfortable in a fast-paced, quota-driven, and results-oriented environment
- Ability to think outside the box is a must!
Compensation & Benefits:
- Bachelor’s degree is preferred but not required
- Background in equipment finance/leasing sales required
- Experience with consultative selling
- Existing vendor relationships
- Salary and compensation commensurate with experience and past success
- Ability to travel as required
Position Application Instructions:
Email resume and cover letter to jobs@kapitus.com New York
Renewal Sales Specialist
Position Description:
Kapitus is looking to add a Renewal Sales Specialist to its team! As a Renewal Sales Specialist Responsible for active account management, cross selling and retaining current merchant relations that will increase account penetration, revenue growth and customer satisfaction within a specified product line or business segment. Focus areas will include retention in existing accounts along with cross selling financial products. Working for one of the top small business alternative lenders in the U.S. you will be part of a high energy, fast paced work environment that offers uncapped commissions and growth opportunities for the right candidates.
Primary Responsibilities:
- Contacting existing merchant accounts to close renewal funding deals and meet month-end quota requirements.
- Developing relationships with merchants who recently took funding to assist in positive merchant relations.
- Consistently follow up on renewal leads that could turn into our next big opportunity.
- Coordinating with Sr. Renewal Specialists to continuously optimize the renewals sales process.
- Follow up on merchant requests and needs in a timely manner.
Minimum Requirements:
- 2-3 years of sales experience.
- College Degree.
- Ability to work strategically to achieve specific goals.
- Ability to thrive in a team environment; but able to work independently to achieve your personal and company growth goals.
- Excellent interpersonal/communication skills with a high ethical standard.
- Must be a driven performer and a self-starter.
- Have the ability to understand basic business math and financial concepts.
- Proficient in Microsoft Office Suite.
- Experienced in working with a CRM system.
Compensation & Benefits:
- Competitive base salary with uncapped commissions.
- Comprehensive benefits package; paid time off (PTO), 401K match.
- Work hard, play hard mentality with weekly contests, cash prizes, trips, dinners events…and even in-office ping pong tournaments.
Position Application Instructions:
Email resume and cover letter to jobs@kapitus.com New York
Jr. Renewal Specialist
Position Description:
Kapitus is adding Jr. renewal specialists to its sales team! As a Jr. Renewal Specialist you will be responsible for active account management, and retaining current merchant relations that will increase account penetration, revenue growth and customer satisfaction. Focus areas will include retention in existing accounts along with establishing client relations with new merchants. Working for one of the top small business alternative lenders in the U.S. you will be part of a high energy, fast paced work environment that offers uncapped commissions and immediate growth opportunities for the right candidates.
Primary Responsibilities:
- Contacting existing merchant accounts to assist with renewal funding with the help of our Renewal Sales Specialist.
- Developing relationships with merchants who recently took funding to assist in positive merchant relations.
- Consistently follow up on renewal leads that could turn into our next big opportunity.
- Coordinating with Sr. Renewal Specialists to continuously optimize the renewals sales process.
Minimum Requirements:
- 1+ year of sales experience, ideally in IT, FinTech, SaaS, and/or consultative sales with demonstrable experience delivering results.
- Excellent written and verbal communication skills.
- Must have a strong drive to succeed and be a top producer.
- Ability to thrive in a team environment; but able to work independently to achieve your personal and company growth goals.
- Must be detail oriented, organized and have top notch follow-through skills.
- Healthy competitive personality, sore losers look elsewhere.
- Goal Oriented.
- Superior Interpersonal Skills.
Compensation & Benefits:
- Competitive base salary with uncapped commissions.
- Comprehensive benefits package; paid time off (PTO), 401K match.
- Work hard, play hard mentality with weekly contests, cash prizes, trips, dinners events…and even in-office ping pong tournaments.
Position Application Instructions:
Email resume and cover letter to jobs@kapitus.com New York
Jr. Sales Executive
Position Description:
Kapitus is looking to add Jr. Account Executives to its team. As a Jr. Account Exec, Specialist, you will be an essential part of the sales team, working with our Sr. account executives to close new deals. Working for one of the top small business alternative lenders in the U.S. you will be part of a high energy, fast paced work environment that offers uncapped commissions and immediate growth opportunities for the right candidates.
Primary Responsibilities:
- Prospecting, engaging and closing new accounts with the help of our senior account executives.
- Developing relationships with customers and generating new business.
- Consistently follow up on leads that could turn into our next big opportunity.
- Coordinating with Sr. Account Executives to continuously optimize the sales process.
Minimum Requirements:
- 1+ year of sales experience, ideally in IT, FinTech, SaaS, and/or consultative sales with demonstrable experience delivering results.
- Excellent written and verbal communication skills.
- Must have a strong drive to succeed and be a top producer.
- Ability to thrive in a team environment; but able to work independently to achieve your personal and company growth goals.
- Must be detail oriented, organized and have top notch follow-through skills.
- Healthy competitive personality, sore losers look elsewhere.
- Goal Oriented.
- Superior Interpersonal Skills.
Compensation & Benefits:
- Competitive base salary with uncapped commissions.
- Comprehensive benefits package; paid time off (PTO), 401K match.
- Work hard, play hard mentality with weekly contests, cash prizes, trips, dinners events…and even in-office ping pong tournaments.
Position Application Instructions:
Email resume and cover letter to jobs@kapitus.com New York
Retention Specialist
Position Description:
Kapitus is looking to add a retention specialist to its team. As a Retention Specialist, you will be a key member of the sales team responsible for providing administrative support to ensure the efficient operation of the Renewals Department. You will support the Internal Renewals Team, as well as our external Independent Sales Offices, through a variety of tasks related to organization, communication, and generation of documents. You will communicate via phone and email to ensure all administrative responsibilities are completed accurately and delivered with the highest quality and in a timely manner. The company is geared towards a sales “team” approach, so working in sync with the entire Renewals Department will be vital to your success, as well as the success of the team.
Primary Responsibilities:
- Answer and direct phone calls.
- Maintain sales pipeline.
- Assist in the preparation of funding documents.
- Develop and maintain a reporting system – pipeline management.
- Act as liaison between Sales Representatives (clients), Underwriters and Sales Managers in order to facilitate and expedite contract fundings.
- Manage expectations of Sales Representatives.
- Other administrative responsibilities as required by the sales team and the Company.
Minimum Requirements:
- Knowledge of office management systems and procedures.
- Excellent time management skills and ability to multi-task and prioritize work.
- Attention to detail and some problem solving skills.
- Excellent written and verbal communication skills.
- Strong organizational skills.
- Proficiency in MS Office.
Compensation:
- The Company offers a competitive base pay plus an override.
- Comprehensive benefits package; paid time off (PTO), 401K.
Position Application Instructions:
Email resume and cover letter to jobs@kapitus.com Arlington VA New York
Credit Underwriter
New York NY
Position Description:
The Credit Underwriter will underwrite all new merchant applications to ensure compliance with underwriting guidelines and risk standards.Primary Responsibilities:
- Responsible for full cycle underwriting of assigned small business financing
- Determine the ability of the merchant to repay financing based on analysis of the client’s cash flow statements, tax returns, and other financial information
- Perform detailed financial analysis on the small business, including trend and ratio analysis, and interpret the financial information to determine credit quality and cash flow adequacy
- Perform credit analysis and financial statement analysis on co-owners, guarantors, and individuals to determine assets coverage for requested loan amounts
- Provide recommendations for approval, or declines of merchant applications
- Communicate decisions effectively in both verbal and written communication
- Perform other due diligence as needed to determine the creditworthiness of a small business owner
Qualifications:
- Bachelor's degree in finance, accounting, business, or comparable area of study
- 2+ years’ experience working in a financial institution underwriting small/medium size businesses
- Strong analytical skills including the ability to read and assess individual and company financial statements, cash flow, credit reports, and other financial documentation.
- Proficient in various spreadsheet, word processing, and CRM applications
- Basic knowledge of credit principles, lending operations, loan research, and general credit policies
- Team player with the ability to take the initiative
- Detail oriented and the ability to work well under pressure
- Strong analytical, interpersonal, and presentation skills
We deliver our credit products through a network of partners, offering the equivalent of a bank loan but through a technology-enabled process that can deliver capital in as little as 2 business days. Our standard product is a fixed rate, short term working capital loan with no prepayment penalties. Because we use our own capital, we employ risk-based pricing to lend to businesses with varying credit profiles and for various purposes – working capital, inventory, capital improvements, expansion of facilities, acquisitions, ownership related events, and equipment purchases.
Position Application Instructions:
Interested candidates should send a resume to: jobs@kapitus.com SUCCESS ON EVERY CORNER
“I just love the small family feel that we have. The fact that I can knock on my CEO’s door at any time and ask him a question is pretty amazing. I don’t think that happens at a lot of other companies. And the fact that anyone on the team can turn to their left or their right and ask a question without judgment. It’s great.”
-Steve Podhorzer
Underwriting
SUCCESS ON EVERY CORNER
“I love my job! Not many people can say that in life. Our company promotes hard working, positive people who provide that “thinking outside the box” mentality to get things done.”
-Toni Hoenig
SUCCESS ON EVERY CORNER
"Kapitus is a great place to be and a great place to work. The supportive environment and culture are matched by a group of dedicated people and high company morale. I enjoy working here because our mission inspires me to challenge myself and reach my goals and while helping small businesses reach their goals."
-Beverly M.
Marketing
