North Miami Beach
Job Description Underwriter Location: Sunny Isles Beach, Florida (On-Site) Company: Neto Capital Employment Type: Full-Time Working Hours: 9:30AM–5:30PM Start Date: Immediate / Based on availability Compensation: Competitive compensation based on experience and fit Position Overview Neto Capital is a business financing company in Sunny Isles Beach. We're looking for a Junior Underwriter to review incoming financing applications: analyzing bank statements and cash flow, spotting risks and irregularities, and preparing clear underwriting summaries and recommendations. You'll use the company's in-house AI/ML underwriting tools daily and work closely with Risk, Sales, and Operations. This is a strong entry point for someone who wants to build a career in underwriting and risk. Key Responsibilities • Analyze business bank statements, cash flow, revenue, liabilities, and payment patterns on new financing applications., • Review supporting documents and credit data; flag red flags, irregularities, and risk., • Prepare underwriting summaries and recommendations on approvals, declines, terms, pricing, and exposure., • Use and give feedback on the company's AI/ML underwriting tools, and help improve underwriting workflows. Requirements • Bachelor's degree required (Finance, Economics, Accounting, Statistics, or a related field a plus)., • 1+ year in an analytical, financial, credit, underwriting, banking, or lending role., • Strong Excel / Google Sheets skills and a solid understanding of bank statements, cash flow, and financial risk., • Detail-oriented, fast learner, and able to communicate conclusions clearly while handling sensitive financial information with discretion. Nice to Have • Experience in business financing, MCA, lending, credit underwriting, or risk analysis., • Hands-on experience analyzing business bank statements or working with credit decisioning tools., • Familiarity with Plaid, DecisionLogic, Ocrolus, DataMerch, TLOxp, Salesforce, HubSpot, or similar., • Experience building models, dashboards, or reports in Excel / Google Sheets; additional languages a plus. Why Join Neto Capital? • Direct impact on financing decisions and portfolio performance at a growing FinTech company., • Work with in-house AI/ML underwriting tools., • Close collaboration with Risk, Operations, Product, and management., • Clear path to grow into Senior Underwriting, Risk, Portfolio Management, or Data roles.\nCompany Description Neto Capital is a fast-growing fintech company operating in the U.S. small business financing space. We're not a brokerage — we're a technology company that funds businesses. We combine financial and operational expertise with data, automation, and cutting-edge AI/ML to make funding faster, smarter, and more transparent. Here's what makes us different: most MCA shops win on volume and grind. We win on technology. Our sales team gets access to the best AI and tech tools on the market — the kind that surface the right merchants, sharpen your pitch, and move deals to funded faster than anyone else in the industry. While our competitors hand reps a dialer and a list of dead leads, we hand you a real edge. You still bring the drive — but here, your drive is multiplied by tools that actually help you win. Neto Capital operates in a dynamic, entrepreneurial, and family-oriented environment built around one idea: when you succeed, we succeed. We invest heavily in our people — training, coaching, technology, warm leads, and a culture that pushes you to be great. Whether you're a seasoned vet looking for a smarter home or a hungry newcomer ready to break into financial sales, we set you up to win. Neto Capital is a fast-growing fintech company operating in the U.S. small business financing space. We're not a brokerage — we're a technology company that funds businesses. We combine financial and operational expertise with data, automation, and cutting-edge AI/ML to make funding faster, smarter, and more transparent.\r\n\r\nHere's what makes us different: most MCA shops win on volume and grind. We win on technology. Our sales team gets access to the best AI and tech tools on the market — the kind that surface the right merchants, sharpen your pitch, and move deals to funded faster than anyone else in the industry. While our competitors hand reps a dialer and a list of dead leads, we hand you a real edge. You still bring the drive — but here, your drive is multiplied by tools that actually help you win.\r\n\r\nNeto Capital operates in a dynamic, entrepreneurial, and family-oriented environment built around one idea: when you succeed, we succeed. We invest heavily in our people — training, coaching, technology, warm leads, and a culture that pushes you to be great. Whether you're a seasoned vet looking for a smarter home or a hungry newcomer ready to break into financial sales, we set you up to win.