Underwriting Analyst

Why join us

• Brex is the intelligent finance platform that enables companies to spend smarter and move faster in more than 200 markets.
• By combining global corporate cards and banking with intuitive spend management, bill pay, and travel software, Brex enables founders and finance teams to accelerate operations, gain real-time visibility, and control spend effortlessly.
• Brex's AI-native automation and world-class service eliminate manual expense and accounting tasks for customers so they can focus on what matters most.
• Tens of thousands of the world's best companies run on Brex, including DoorDash, Coinbase, Robinhood, Zoom, Plaid, Reddit, and SeatGeek.
• Working at Brex allows you to push your limits, challenge the status quo, and collaborate with some of the brightest minds in the industry.
• We're committed to building a diverse team and inclusive culture and believe your potential should only be limited by how big you can dream.
• We make this a reality by empowering you with the tools, resources, and support you need to grow your career.

Operations at Brex

• Operations is the backbone of Brex's mission to power businesses through our Intelligent Finance Platform.
• We own credit, fraud, money movement, and payments, protecting our customers and our company.
• From product operations that ensure flawless launches to scalable systems that drive innovation and precision, we operate at the intersection of product, design, engineering, and customer success.
• If you want to work at the heart of the business, Operations is where you belong.

Where you'll work

• This role will be based in our Vancouver office.
• We are a hybrid environment that combines the energy and connections of being in the office with the benefits and flexibility of working from home.
• We currently require a minimum of three coordinated days in the office per week Monday, Wednesday, and Thursday.
• As a perk, we also have up to four weeks per year of fully remote work!

What you'll do

• As an Underwriting Analyst, your goal is to support our underwriting processes for our card products and grow your skills as a credit professional.
• This is a role that requires strong communication, time management, financial analysis, and teamwork.
• You will partner cross-functionally with our Sales, Customer Experience, Engineering, and Product teams to contribute to meeting organizational goals, and will have the opportunity to develop into more senior credit

responsibilities

Responsibilities

• Own and work assigned cash-based underwriting queues, including account reviews, limit changes, and credit-related requests.
• Evaluate customer creditworthiness and repayment capacity using bank statements, transaction data, cash-flow trends, and other business information.
• Analyze cash balances, revenue, burn, runway, utilization, and transaction activity to identify evolving credit risk.
• Make sound, risk-based recommendations within delegated authority, balancing customer impact with responsible exposure management.
• Clearly communicate underwriting decisions, rationale, and information

requirements

to internal partners and, when needed, customers.

• Partner with Sales, Customer Experience, Credit Policy, Risk, Data, Product, and Engineering to resolve complex cases and improve the end-to-end credit experience
• Identify recurring issues and opportunities to improve underwriting quality, efficiency, and consistency.
• Use data, spreadsheets, and AI-enabled tools to streamline routine work and surface actionable insights.
• Partner with cross-functional teams to improve tools and workflows that support cash-based underwriting.

Requirements

• Passionate about credit and underwriting decisions on commercial exposures for small to large businesses
• Strong analytical rigor and attention to details
• Customer centric and passionate about thinking through customer needs and working with them while balancing risk exposures
• Ability to communicate technical problems in an elegant and tactful way

Bonus Points

• Familiarity with quantitative credit risk models, probability of default (PD), and loss given default (LGD) concepts
• Familiarity with underwriting or credit-risk tooling and workflows.
• Experience using SQL, Hex, spreadsheets, or similar tools to analyze data and identify trends.
• Familiarity with banking regulations and global markets
• Experience using Salesforce or comparable case-management tools

Compensation

• The expected salary range for this role is $63,896-$79,870 CAD however, the starting base pay will depend on a number of factors including the candidate's location, skills, experience, market demands, and internal pay parity.
• Depending on the position offered, equity and other forms of compensation may be provided as part of a total compensation package
• Brex LLC is a wholly owned subsidiary of Capital One, N.A.

Please be aware, job-seekers may be at risk of targeting by malicious actors looking for personal data. Brex recruiters will only reach out via LinkedIn or email with a brex.com domain. Any outreach claiming to be from Brex via other sources should be ignored.