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 level (Junior through Senior candidates encouraged to apply)

About Neto Capital
Neto Capital is a fast-growing FinTech company operating in the U.S. business financing space, building advanced technology infrastructure designed to make financing, underwriting, risk management, and reporting faster, smarter, more transparent, and more scalable.
The company combines financial and operational experience with data, automation, and AI/ML capabilities, and is developing a platform to manage financing processes end-to-end — from financial data collection and analysis, to data-driven decision-making, underwriting, portfolio management, operational controls, collections, investor reporting, and internal process optimization.
Neto Capital operates in a dynamic, entrepreneurial, and family-oriented environment, with a focus on growth, innovation, operational excellence, and building systems that connect finance, technology, data, and operations. We are looking for smart, independent, and curious people who want to take part in building a growing company and help shape the next generation of business financing solutions.

Position Overview
We are looking for Underwriters to join Neto Capital's underwriting and financial analysis team — we welcome candidates across all experience levels, from those early in their underwriting career to seasoned professionals ready to take on complex files and lead within the team. The scope of the role and level of responsibility will be tailored based on the candidate's experience.
This is an analytical, dynamic, and central role in the company's decision-making process. Underwriters are responsible for analyzing financing applications, reviewing financial data, working with bank statements, identifying risks, preparing underwriting summaries, and supporting (or, depending on experience, independently driving) data-driven decision-making processes. More experienced Underwriters will also take ownership of higher-exposure and complex deals, mentor newer team members, and contribute to underwriting policy and risk framework development.
As part of the role, Underwriters will make ongoing use of the company's AI and ML-based underwriting tools, designed to improve analysis quality, identify patterns and risks, streamline workflows, and support faster and more accurate decision-making — and, for more senior candidates, help refine those tools based on real-world underwriting experience.
We are looking for people who not only know how to work with numbers, but also understand the story behind the data, identify irregularities, ask the right questions, think outside the box, and turn financial information into clear and practical recommendations.

Key Responsibilities

• Review and analyze new business financing applications, ranging from routine to complex and higher-exposure files depending on experience level.
• Analyze bank statements, cash flow data, revenue, expenses, balances, returns, liabilities, and financial activity patterns.
• Conduct cash flow analysis and assess the financial capacity and risk exposure of businesses.
• Identify trends, irregularities, warning signs, and potential risks in financing files.
• Review client documents, financial statements, credit data, business documents, and additional supporting information.
• Prepare clear and organized underwriting summaries for decision-making purposes.
• Develop and, depending on experience, independently finalize recommendations regarding approvals, declines, terms, pricing, exposure, and risk level.
• Use the company's AI and ML-based underwriting tools on an ongoing basis as part of the financing analysis, risk identification, and decision-making process, and help refine these tools based on real-world experience.
• Provide professional feedback on internal underwriting tools, identify gaps, suggest improvements, and support the improvement of data-driven workflows.
• Work with management, product, and technology teams to support continuous improvement of underwriting processes, models, data, automation, and workflows.
• Work with Excel / Google Sheets for analysis, checks, reconciliations, calculations, and controls.
• Use AI tools for information analysis, data organization, checks, research, document summaries, and workflow improvement.
• Work with CRM systems, underwriting tools, bank verification tools, and other internal systems.
• Support data-driven decision-making and work