Senior Factoring Underwriter & Credit Specialist

About the Role: We are seeking an experienced Senior Factoring Underwriter & Credit Specialist with direct, hands-on expertise in accounts receivable (A/R) factoring. In this role, you will lead the credit evaluation, risk structuring, and day-to-day portfolio oversight of invoice factoring facilities for high-growth e-commerce, CPG, and B2B wholesale businesses. This role is specifically tailored for an expert who understands the operational, legal, and credit nuances of invoice factoring. Beyond analyzing classic financial statements, you will evaluate debtor creditworthiness, verify invoice authenticity, establish debtor credit limits, manage dilution risk, and ensure proper perfection of security interests (comprehensive UCC lien searches, UCC-1 filings, Notices of Assignment, and tri-party lockbox accounts). You will also collaborate cross-functionally with Product, Operations, and Risk teams to automate factoring workflows and shape the next generation of our working capital platform. What You'll Do: Factoring Credit Underwriting: Underwrite prospective client factoring facilities and establish credit limits on individual account debtors using credit agency reports (D&B, Experian, CreditSafe), payment trends, trade references, and financial statements. UCC Search Analysis & Lien Perfection: Thoroughly read, interpret, and evaluate UCC lien searches, tax lien reports, and judgment filings; identify senior or conflicting security interests (blanket liens, inve