Underwriter | Elect Capital | Toronto

📍 Location: Toronto, Canada
Reporting to: Senior Underwriter / Head of Credit Risk

About Elect Capital

Elect Capital backs ambitious UK, Canadian and US businesses with capital that cuts through the noise. Built for speed, edge and action, we deliver funding where others stall. We're not here to reinvent financing – we're here to do it better. We move at the pace of our clients and connect them to capital that works.

Elect offers 1–9 month business financing with daily or weekly repayments and fast, transparent decisions. 90% of completed applications receive an offer within 4 hours – with clear pricing, no unnecessary hurdles, and a team that knows how to get deals done. Whether a client applies directly or via a broker, we aim to make the funding journey sharp, clean and simple.

Our Mission

We are on a mission to back ambition. Disrupting the lines of traditional finance and providing access to ambitious businesses, with capital that moves as fast as they do.

Our Values: C.O.R.E

Challenge – Ask the hard questions. Improve what you touch.
Opportunity – Spot it. Shape it. Run with it.
Resilience – Stay steady. Adapt fast. Keep momentum.
Edge – Think sharp. Move sharp. Stand out.

We hire people who act fast, think commercially, and bring clarity to everything they do.

The Role

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.

Key Responsibilities

Underwrite deals ranging from $25K – $1.5M
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
Work closely with the sales team to support fast decisions and clean execution
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

What We're Looking For

Highly organised — nothing gets missed, nothing gets dropped
Thrives in fast-paced environments with multiple moving parts
Clear, professional communicator with a commercial edge
Self-starter who stays aligned with team goals

Bonus: Experience in unsecured, short-term SME underwriting

Our Offer

A fast, focused environment where your impact is immediate
Ownership over your work and a voice in how we improve
Opportunities to grow with a company that's scaling quickly
A team that values clarity, pace, and practical thinking
Competitive salary and path for progression
A chance to contribute to a mission driven company

Think you're a fit? Let's talk.

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