Senior Credit Underwriter

About World Business Lenders

At World Business Lenders (WBL), we provide flexible, short-term commercial loans backed by real estate to help small and medium-sized businesses across the United States — particularly those facing difficulties with traditional financing. We're a fast-moving, results-driven organization that takes security seriously as we continue to grow.

This is a Full-Time Independent Contractor role with working hours from 9:00 AM – 6:00 PM Eastern Standard Time, Monday through Friday. We request that all CVs be submitted in English.

About the Role

The Senior Credit Underwriter is responsible for leading complex credit underwriting activities while serving as a trusted advisor to the Chief Lending Officer. This role provides expertise in Non-QM mortgage lending, evaluates complex borrower scenarios, structures credit solutions, and supports sound lending decisions that balance risk and business objectives.

In addition to underwriting, the role oversees underwriting teams, mentors junior underwriters, drives process improvements, and collaborates cross-functionally to improve credit quality, operational efficiency, and funded loan volume..

What You'll Be Doing (Key Responsibilities)

Act as the Chief Lending Officer's 'right hand' trusted advisor.

Perform early credit assessments ("shift-left") before processing is complete.

Rework denied loans into approvable structures where possible.

Recommend counteroffers that reduce risk while preserving profitability.

Identify compensating factors to strengthen borderline files.

Consult with Sales on structuring loans before submission.

Participate in daily pipeline review meetings.

Assist in developing underwriting guidelines and SOPs.

Analyze trends in denials and fallout to recommend policy or process changes.

Support automation efforts by documenting underwriting decision logic.

Serve as the subject matter expert for complex borrower scenarios.