About World Business Lenders About Us
World Business Lenders (WBL) provides short-term, real estate–collateralized commercial loans to small and medium-sized businesses across the United States that do not have access to traditional financing. The company also services its own loan portfolio and those of third parties, with a focus on managing non-performing loan pools and REO.
- WBL is a U.S.-based company with a fully remote workforce.
- Working hours are 9:00am–6:00pm Eastern Time, Monday through Friday.
- The role requires strong spoken and written English.
- All resumes must be submitted in English.
Overview
- The role requires near-zero errors in credit sheets and CRM data entry, basic product knowledge, effective inter-departmental communication, and a solid understanding of underwriting concepts and internal guidelines.
- Get credit analysis ready to help support well-informed credit recommendations.
- Review business bank statements, financial statements, tax returns, and cash flow statements to perform thorough investment analyses.
- Work on structuring and underwriting complex credit applications, balancing profitability goals with risk guidelines.
- Create financial models that help analyze both individual loan performance and overall portfolio health.
- Make sure all loan applications are underwritten following WBL’s underwriting guidelines, policies, and procedures.
- Prepare underwriting forms (using Excel) and Loan Approval forms for review, ensuring all information is complete and accurate.
Requirements
Education:
- Bachelor’s degree or equivalent experience demonstrating relevant proficiency.
Experience:
- At least 2 years of experience in underwriting, credit analysis, lending, or banking
- Experience with financial analysis or structured credit work is a big plus.
Preferred Background / Industry Experience
- Lending Industry
- Banking Sector
Specific Technical Skills Needed
- Intermediate MS Excel proficiency
- Ability to analyze:
- Financial statements (P&L, balance sheet, cash flow)
- Bank statements
- Tax returns
- Basic financial modeling capability
- Understanding of credit underwriting principles
Specific Soft Skills Needed
- Strong analytical mindset
- High attention to detail
- Stress tolerance
- Self-learner / ability to work independently
Benefits
- Enjoy Paid Time Off (PTO) to recharge
- Salary paid in USD
- Work comfortably 100% from home
Skills Required
- Bachelor's degree or equivalent relevant experience
- At least 2 years of experience in underwriting, credit analysis, lending, or banking
- Intermediate Microsoft Excel proficiency
- Ability to analyze financial statements, including P&L, balance sheet, and cash flow statements
- Ability to analyze business bank statements and tax returns
- Basic financial modeling capability
- Understanding of credit underwriting principles
- Strong spoken and written English
- Experience with financial analysis or structured credit work
- Lending industry experience
- Banking sector experience
What We Do
At World Business Lenders (WBL) Our motto, 'We Lend. You Grow' is simple, yet powerful. We make working capital available to eligible businesses for expansion and growth. WBL was founded by a seasoned team of entrepreneurs with strong track records of launching, financing and growing successful small businesses. We understand what businesses need in terms of working capital, and are well-aware of how little is actually available for small businesses in the current marketplace. WBL understands how additional working capital can help you navigate your business to maximum success. Our unique approach to lending makes your business the focal point for loan decisions. Instead of concentrating on personal assets and a business owner's credit score, we believe the history and financial performance of your business should outweigh all other factors in our decision making process. WBL bases each loan decision on your business’s ability to make affordable daily payments to satisfy the loan. While there are many challenges small business owners face, WBL believes access to working capital shouldn't be one of them. WBL's sole focus is making loans to small businesses. This is all we do! We Lend. You Grow.
