Underwriting

As an early member of the Spring Free EV Credit and Risk team, you will be responsible for determining the creditworthiness of commercial and consumer customers. You will help execute and maintain operational initiatives that enable Spring Free EV to evaluate a high volume of customers using internal tools. This role requires excellent communication, negotiation, and decision-making skills. We take our responsibility to seriously serve our business customers' commitment to their financial health, and our approach is anchored in data-driven and systematic decisions. This is a remote position, so you must be able to work independently, be a great team player, and communicate through several technology platforms.

DutiesUnderwriting dutiesReview, Analyze, and Monitor Commercial and Consumer Credit by reviewing commercial credit reports and analyzing financial statements. Analyze P&L, Balance Sheet, and Cash Flow statements to determine risk and develop ratio analysis. Able to make high-volume credit decisions within SLA Act as liaison between customer and Spring Free EV to answer any applicable questions Coordinate with customer documentation requirements to support rapid vehicle deployment Prepare credit recommendations to leadership with justification for financial exposure Collection DutiesEnsure timely collections from delinquent and high-risk commercial and consumer accounts through outbound and inbound email, phone, and text communication. Analyze past due portfolio, and work proactively to identify potential payment problems through daily review of ongoing Aging Reports. Balance customers' ability to pay and negotiate appropriate payment plans to reduce credit losses. Research and reconcile any outstanding items and coordinate variances with sales, operations, accounting, and billing. Meet standard measurements for collection activity, and achieve call volume while actively maintaining research and resolution of account issues. Partner with the department's leadership team to develop collection strategies, payment plans, and operating procedures to ensure efficient collections efforts and processes. Partner with operations, sales, accounting, legal and engineering teams to build and scale the company's operational growth Ensure operational excellence by meeting team KPIs and SLAsPerform other duties as assigned