Underwriting Manager

Enova International

. Serve as the culture champion and leader for the Utah office, fostering collaboration, employee engagement, and community across teams .

Posted 10/22/2026full-timeSouth Jordan • Utah • United StatesMid-LevelSenior💰 $102,000 - $148,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in underwriting, team leadership, and operational efficiency within a high-volume lending environment. Proficient in cash flow analysis, risk assessment, and compliance with SMB-specific regulations.

Highest-signal resume keywords

Underwriting ExperienceTeam LeadershipCash Flow AnalysisOperational MindsetCompliance Knowledge

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

UnderwritingCash Flow AnalysisFinancial Statement ReviewRisk AssessmentProcess DesignMetrics AnalysisAutomated DecisioningManual UnderwritingCapacity ModelingTalent Acquisition

Soft Skills

Leadership DevelopmentCommunication SkillsCollaborationFeedback DeliveryEmployee Engagement

Tools & Technologies

Fintech PlatformsOnline Lending Platforms

Industry Keywords

SMB Credit FundamentalsFair LendingReg B ComplianceHigh-Volume LendingTechnology-Enabled Lending

About the role

Key responsibilities & impact

Serve as the culture champion and leader for the Utah office, fostering collaboration, employee engagement, and community across teams
Lead, coach, and develop Underwriting Supervisors and Team Leads
Empower front-line managers to drive their production underwriting pods
Establish workflows, quality standards, and throughput targets across all pods
Translate organizational strategy into clear daily execution
Serve as senior escalation point for high-complexity underwriting decisions
Partner with Credit & Risk on policy clarity and alignment
Collaborate with Sales, Product, Compliance, and Operations to streamline the borrower experience
Optimize automated and manual decisioning intersections
Own capacity modeling, scheduling, and talent acquisition for the Utah site
Build a resilient leadership pipeline for the growing Utah site
Report to the Senior Manager of Underwriting

Requirements

What you’ll need

5+ years of underwriting experience in small business or commercial lending
7+ years managing people, with at least some experience managing other managers or team leads
Strong command of SMB credit fundamentals; cash flow analysis, financial statement review, and risk assessment
Proven ability to develop leaders: setting clear expectations, giving direct feedback, and building capability over time
Operational mindset; comfortable with metrics, process design, and driving accountability at scale
Strong communication skills to translate between frontline execution and senior leadership expectations
Experience working in a high-volume, technology-enabled lending environment
Background in fintech or online lending platforms is preferred
Familiarity with automated decisioning and where manual underwriting intersects with it
Exposure to fair lending or SMB-specific compliance requirements (Reg B, etc.)
Eligible to work in the United States; visa sponsorship is not available

Benefits

Comp & perks

Hybrid schedule with in-office work Tuesday through Thursday and remote flexibility on Mondays and Fridays
Health, dental, and vision insurance including mental health benefits
401(k) matching plus a roth option (U.S. Based employees only)
PTO & paid holidays off
Sabbatical program (for eligible roles)
Summer hours (for eligible roles)
Paid parental leave
DEI groups (B.L.A.C.K. @ Enova, HOLA @ Enova, Women @ Enova, Pride @ Enova, South Asians @ Enova, APEX @ Enova, and Parents @ Enova)
Employee recognition and rewards program
Charitable matching and a paid volunteer day
Bonus and restricted stock units may be included as additional compensation