Risk Analyst I

Motive

. Collect, review and analyze applicants' financial, demographic and historical information and records, including balance sheets, income statements, cash flow statements, bank statements and credit reports .

Posted 10/28/2026full-timeRemote • PakistanJuniorMid-LevelWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in financial underwriting, including bank statement analysis and risk ratio analysis, while ensuring compliance with U.S. lending regulations. Strong analytical and communication skills facilitate effective collaboration with clients and stakeholders.

Highest-signal resume keywords

Underwriting ExperienceFinancial Risk AssessmentBank Statement AnalysisQuantitative AnalysisU.S. Compliance Knowledge

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Financial SpreadingRisk Ratio AnalysisCredit Report AnalysisBalance Sheet AnalysisIncome Statement AnalysisCash Flow Statement AnalysisDecision MakingPortfolio ManagementPolicy Improvement RecommendationsMathematics Competency

Soft Skills

Critical ReasoningProblem SolvingOrganizational SkillsTime ManagementCommunication Skills

Industry Keywords

KYCReg BReg ZUDAAPFCBATruth in Lending ActFinancial ServicesFintechPaymentsCollaborative Team Environment

About the role

Key responsibilities & impact

Collect, review and analyze applicants' financial, demographic and historical information and records, including balance sheets, income statements, cash flow statements, bank statements and credit reports
Communicate directly with clients and sales about application status
Explain why and when additional documents are needed to determine client creditworthiness
Approve, decline or seek exceptions for applications based on policy guidelines
Make quality decisions within expected SLA timelines
Perform portfolio management and identify suspicious or questionable items
Recommend policy and process improvements to mitigate underwriting failure points
Perform bank statement analysis, financial spreading and risk ratio analysis, culminating in underwriting memos
Collaborate with sales, data science, product management and other stakeholders to deliver a strong customer experience

Requirements

What you’ll need

2-5 years of underwriting experience in financial services, high-growth payments, or fintech company
Strong critical reasoning, problem solving and analytical skills
Ability to work independently and thrive in a collaborative team environment
Excellent oral and written communication skills
Familiarity with fundamentals of financial risk assessment
Familiarity with the U.S. compliance, lending and regulatory environment, including KYC, Reg B, Reg Z, UDAAP, FCBA and the Truth in Lending Act
Experience with quantitative and qualitative analysis
Strong organization and time management skills
Proven experience with bank-based and financial underwriting
Demonstrated competency in mathematics and financial spreading
Authorization to receive and access commodities and technologies controlled under U.S. Export Administration Regulations

Benefits

Comp & perks

Equal opportunity employer committed to a diverse and inclusive workplace
Some interviews or new-hire training sessions may be held in person at one of Motive's global offices