Student Perspectives: What I Learned as an Underwriting Intern
Karuna Pahari (MS Finance ’26) This semester, I interned as an underwriting intern at Biz2credit, where I helped in reviewing small business loan applications. Going into the role, I expected it to be mostly about working with numbers, however it ended up being much more about judgement and decision-making. The most important thing I learned is that underwriting is not just about analyzing financial data but it’s more about analyzing and understanding risk. In many cases, the numbers don’t tell a perfectly clear story. Part of the job is recognizing when something does not fully add up and thinking critically about what that might mean. The shift from just reviewing information to evaluating it was something I hadn’t fully appreciated before. For networking, our company partakes in this fun activity called “Throwback Thursday” where someone secretly sends their childhood picture to HR and has the entire company guess who that could be to win prizes. If no one gets it right, the person ...