Reporting to: Senior Underwriter / Head of Credit Risk We're not here to reinvent financing - we're here to do it better. Elect offers 1-9 month business financing with daily or weekly repayments and fast, transparent decisions. Disrupting the lines of traditional finance and providing access to ambitious businesses, with capital that moves as fast as they do.

We're looking for a sharp, detail-driven Underwriter to assess credit risk across our deal flow. You'll analyse financials, apply credit policy, and work closely with sales, ops, and credit to help move good deals fast — and stop bad ones faster. This is a hands-on role where accuracy, commercial instinct, and pace are essential.

Analyse financials, bank data,



and open banking feeds to assess creditworthiness Apply credit risk policies accurately and flag sensible exceptions for review Support offer structuring that balances speed, risk, and commercial value Escalate edge cases and complex scenarios to senior underwriters or credit leadership Maintain accurate underwriting documentation and CRM records Contribute insight and feedback to help refine credit policy over time Clear, professional communicator with a commercial edge Bonus: Experience in unsecured, short-term SME underwriting A fast, focused workplace where your impact is immediate Competitive salary and path for progression

📌 Credit Underwriter (Toronto)
🏢 Elect Capital
📍 Toronto