About B GenerousB Generous is a fast-growing VC-backed fintech company transforming access to capital for nonprofits and social enterprises.Our advanced AI-powered lending marketplace connects nonprofits seeking flexible financing with a network of bank and nonbank lending partners who want to deploy capital into an underserved market. We support financings ranging from $25,000 to $50 million, secured against grants, receivables, donations, and future revenue streams.By combining cutting-edge technology, machine learning, predictive analytics, and deep domain expertise, B Generous is redefining nonprofit finance in the United States.Joining B Generous offers the rare opportunity to work at the intersection of fintech, finance, and social impact, while helping organizations access the capital they need to grow their missions.Position OverviewWe are seeking a highly analytical and detail-oriented Credit Underwriter – Nonprofit Lending to evaluate nonprofit borrowers, assess repayment capacity, identify risk factors, and support financing recommendations across multiple lending partners.This role is ideal for someone with strong financial analysis skills who understands that nonprofit underwriting differs from traditional commercial lending and can evaluate both financial resilience and operational sustainability.The successful candidate will work closely with leadership, lenders, and borrowers to support transaction structuring and credit decision-making.Key ResponsibilitiesCredit Analysis & UnderwritingAnalyze borrower financial information, including:Audited financial statementsIRS Form 990 filingsInternal management reportsBudgets and financial forecastsAssess key credit indicators including:LiquidityUnrestricted net assetsOperating performanceDebt service capacityRevenue concentrationDonor dependencyGrant timing exposureNet Income trends Calculate and interpret:Debt service coverage ratiosDays cash on handWorking capital trendsLeverage ratiosOperating reservesTransaction SupportEvaluate financing requests for:Working Capital Term loansBridge loansLines of creditReceivables-backed facilitiesRevenue-based financing products Structuring Term Sheets which includeLoan amountTermPricingRepayment structureCollateral requirementsCovenant considerationsCredit Memo PreparationPrepare concise underwriting summaries and credit memoranda for:Internal reviewLender presentationCredit discussionsRequired QualificationsCandidates whose experience is limited primarily to residential mortgage underwriting, processing, or consumer lending operations are unlikely to be a fit for this roleExperience4+ years of relevant experience in:Commercial lendingCredit analysisSBA underwritingNonprofit lendingSpecialty financeCDFI underwritingTechnical SkillsStrong financial statement analysis skillsAbility to interpret nonprofit financials and Form 990 filingsStrong Excel or Google Sheets capabilityClear written and verbal communicationAbility to manage multiple active opportunities simultaneouslyComfortable working independently in a remote environmentAbility to use Docusign, Salesforce, standard LOS systems (lending origination systems)Preferred QualificationsExperience working with nonprofits, social enterprises, or mission-driven borrowersFamiliarity with nonprofit accounting and revenue structuresExposure to lending platforms, fintech, or private credit environmentsPersonal AttributesClear and reasoned judgment when presenting a credit decision, which must be defensible Strong attention to detailProactive and ambitious Analytical mindsetClear and decisive communicator – communicate often and openlyAble to prioritize and manage multiple concurrent transactions in a fast-paced environmentCompensation & BenefitsWe offer a competitive compensation package including:Base salary: $70,000 – $85,000 depending on experiencePerformance-based annual discretionary bonusEquity participation in a rapidly growing VC-backed fintech companyFully remote work environmentFlexible working hoursUnlimited PTO (subject to company policies) )Health, dental, and vision insuranceCompany philanthropic match up to $1,000 annuallyGrowth opportunities within a rapidly expanding fintech companyEqual Opportunity StatementB Generous is an Equal Opportunity Employer. We are committed to creating an inclusive environment for all employees.At this time, B Generous can only hire individuals authorized to work in the United States. We are unable to sponsor visas.
