<h1><span style="font-size: 10pt; font-family: arial, helvetica, sans-serif;">Underwriting & Funding Manager</span></h1> <h2><span style="font-size: 10pt; font-family: arial, helvetica, sans-serif;">About the role</span></h2> <p><span style="font-size: 10pt; font-family: arial, helvetica, sans-serif;">inKind is looking for an Underwriting & Funding Manager to evaluate restaurant funding opportunities and make disciplined, timely funding decisions. You’ll own the review process from initial diligence through final recommendation or approval, helping inKind fund strong restaurant partners while managing risk.</span></p> <p><span style="font-size: 10pt; font-family: arial, helvetica, sans-serif;">This role requires financial judgment, attention to detail, and the ability to understand the business behind the numbers. You should be comfortable making decisions with incomplete information, asking thoughtful questions, and explaining your conclusions clearly.</span></p> <h2><span style="font-size: 10pt; font-family: arial, helvetica, sans-serif;">What you’ll do</span></h2> <ul> <li style="font-size: 10pt; font-family: arial, helvetica, sans-serif;"><span style="font-size: 10pt; font-family: arial, helvetica, sans-serif;">Review new funding opportunities. Assess applications, financial statements, sales trends, bank activity, existing obligations, and other supporting materials for completeness and accuracy.</span></li> <li style="font-size: 10pt; font-family: arial, helvetica, sans-serif;"><span style="font-size: 10pt; font-family: arial, helvetica, sans-serif;">Underwrite restaurant businesses. Evaluate operating performance, cash flow, liquidity, ownership experience, and the restaurant’s ability to support the proposed funding structure.</span></li> <li style="font-size: 10pt; font-family: arial, helvetica, sans-serif;"><span style="font-size: 10pt; font-family: arial, helvetica, sans-serif;">Determine appropriate funding terms. Recommend funding amounts, structures, conditions, and risk mitigants based on your analysis and inKind’s underwriting guidelines.</span></li> <li style="font-size: 10pt; font-family: arial, helvetica, sans-serif;"><span style="font-size: 10pt; font-family: arial, helvetica, sans-serif;">Make funding decisions. Approve or decline requests within your delegated authority and present exceptions or larger transactions to the appropriate decision-makers.</span></li> <li style="font-size: 10pt; font-family: arial, helvetica, sans-serif;"><span style="font-size: 10pt; font-family: arial, helvetica, sans-serif;">Document your judgment. Prepare concise underwriting summaries that explain the opportunity, key risks, assumptions, and rationale for each decision.</span></li> <li style="font-size: 10pt; font-family: arial, helvetica, sans-serif;"><span style="font-size: 10pt; font-family: arial, helvetica, sans-serif;">Lead diligence. Work with restaurant owners and internal teams to resolve questions, verify information, and identify material discrepancies or potential fraud.</span></li> <li style="font-size: 10pt; font-family: arial, helvetica, sans-serif;"><span style="font-size: 10pt; font-family: arial, helvetica, sans-serif;">Coordinate funding readiness. Confirm that required approvals, documentation, and funding conditions are complete before funds are released.</span></li> <li style="font-size: 10pt; font-family: arial, helvetica, sans-serif;"><span style="font-size: 10pt; font-family: arial, helvetica, sans-serif;">Improve the process. Help refine underwriting standards, approval workflows, and reporting to make decisions more consistent and efficient.</span></li> <li style="font-size: 10pt; font-family: arial, helvetica, sans-serif;"><span style="font-size: 10pt; font-family: arial, helvetica, sans-serif;">Learn from performance. Partner with the team monitoring funded restaurants to compare actual results with underwriting assumptions and improve future decisions.</span></li> </ul> <h2><span style="font-size: 10pt; font-family: arial, helvetica, sans-serif;">Minimum Experience</span></h2> <ul> <li style="font-size: 10pt; font-family: arial, helvetica, sans-serif;"><span style="font-size: 10pt; font-family: arial, helvetica, sans-serif;">4+ years of experience in commercial underwriting, small business financing, fintech lending, credit analysis, investment analysis, or a related field.</span></li> <li style="font-size: 10pt; font-family: arial, helvetica, sans-serif;"><span style="font-size: 10pt; font-family: arial, helvetica, sans-serif;">Strong financial statement analysis and modeling skills, including the ability to evaluate cash flow, liquidity, leverage, repayment capacity, and unit-level economics.</span></li> <li style="font-size: 10pt; font-family: arial, helvetica, sans-serif;"><span style="font-size: 10pt; font-family: arial, helvetica, sans-serif;">Experience independently evaluating transactions, assessing financial and operational risks, and making or recommending funding decisions.</span></li> <li style="font-size: 10pt; font-family: arial, helvetica, sans-serif;"><span style="font-size: 10pt; font-family: arial, helvetica, sans-serif;">Experience building, implementing, or improving underwriting processes, with a focus on automation, operational efficiency, and scalable decision-making.</span></li> <li style="font-size: 10pt; font-family: arial, helvetica, sans-serif;"><span style="font-size: 10pt; font-family: arial, helvetica, sans-serif;">Ability to translate un