Underwriting Analyst

Mudflap serves the $800B trucking industry, the backbone of the U.S. economy. Our market-leading payment products help truckers save thousands of dollars on fuel (their #1 business expense), while providing our fuel stop partners with access to new, hard-to-reach customers. We’re a fast-growing marketplace business looking for a new customer-obsessed teammate to join us on this exciting journey. As an Underwriting Analyst, you will be responsible for evaluating and assessing creditworthiness, ensuring sound lending decisions, and minimizing risk exposure. This role demands a keen eye for detail, a comprehensive understanding of credit evaluation processes, and balanced judgment. We value in-person connection and have offices in both Palo Alto, CA and Austin, TX. While we prefer candidates located in these hubs for occasional meetings and team collaboration, we are open to remote team members who can travel periodically if needed. Expectations (In this role, you will): • Assess the creditworthiness of loan applicants by analyzing financial data, credit reports, and other relevant information • Determine the risk level associated with lending and make informed decisions based on established criteria • Evaluate exceptions to credit policy carefully and make recommendations to the leadership team • Collaborate with internal teams to streamline the underwriting process and ensure timely completion of applications • Conduct periodic reviews of existing customers to evaluate credit limit changes and recommend appropriate changes • Communicate effectively with clients, providing clear explanations of underwriting decisions and assisting in resolving inquiries Experience (What we look for): • Prior experience in either consumer or small business underwriting • A basic understanding of Excel and other platforms of data entry • Ability to work both independently and as part of a team • Strong attention to detail and the ability to handle multiple tasks effectively • Familiarity with fast-paced environments with an “all hands on deck” approach • Strong written and oral communication & analytical and interpersonal skills • Ability to develop and foster strong cross-functional partnerships Perks and Benefits (What we offer): • A committed team on a mission to change a massive industry for the better • A high bar for quality and commitment to self-improvement • An open mind to new ideas and methodologies • Competitive salary and benefit options • Opportunities and support for major career growth The salary range for this role is $68,000 - $92,000. This information reflects a base salary range for this position based on current market data, which may be subject to change as new market data becomes available. The candidate's skills, experience, and other relevant factors will determine the exact compensation. This position may also be eligible for additional incentives such as equity awards or short-term incentives. Our benefits include medical/dental/vision insurance, 401(k) with company match, WFH stipend, and PTO. Company Overview (Who we are): Mudflap is on a mission to transform the trucking and logistics industry by leveling the playing field for owner operators and small fleets. Backed by top-tier venture investors, including QED, Matrix Partners, Commerce Ventures, NFX, and 500 Startups and included in the Forbes Fintech 50 list, Mudflap offers fleet fuel management solutions. Our core team hails from Disney, Uber, Procore, DoorDash, Google, Meta, Capital One, Affirm and Brex. Here are the core values that we believe in and look for in new teammates: • Be Customer Obsessed: We deeply understand customer needs and put our customers at the center of everything we do • Make it Count: Act like an owner by focusing on the impact of your work • Find a Way: Be a creative problem solver who pushes past roadblocks to win for our customers and our teammates • Sweat the Details: We keep our standards high and achieve them by paying attention to every detail • Be Curious: Use a growth mindset to question assumptions, take calculated risks and stretch the boundaries of what’s possible