Underwriter - Credit Insurance, Energy Transition Finance
About the job
- 2–5 years of experience in financial services, with exposure to power markets, project finance, construction lending, or credit risk.
- Strong financial analysis and communication skills.
- Ability to operate in a fast-paced startup environment.
- Ability to work independently.
- Bachelor’s degree in finance, business, or a related field, or equivalent experience.
- Experience in financial statement analysis or formal credit training.
- Advanced proficiency in Microsoft Office applications, including Excel, PowerPoint, and Word.
- Underwrite and structure credit insurance solutions for energy transactions.
- Assess counterparty credit risk and complex financial structures.
- Work directly with brokers, clients, and internal stakeholders.
- Support strategic initiatives and process improvements.
- CFA or similar designation, or progress toward one.
- Relevant experience may include credit insurance as a junior or associate underwriter; energy project finance as an analyst or associate; or commodities trading in power or electricity markets as an analyst or associate.
About the company
Energetic Capital provides flexible financing and credit insurance for commercial and industrial energy projects. It targets unrated, sub-investment-grade projects and structures debt to maximize proceeds, allowing clients to own and operate their projects. The company offers a single lending solution that scales with a client’s pipeline and gives access to the right balance sheets, supporting both new builds and refinancing for project developers and energy service providers. By including multiple asset types and revenue streams in one portfolio, Energetic Capital aims to optimize platform value. Its revenue comes from interest on loans and premiums on credit insurance policies, with a focus on the energy transition and distributed energy deployments.
Company Size
11-50
Company Stage
Series A
Total Funding
$36M
Headquarters
Boston, Massachusetts
Founded
2016
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Simplify's Take
What believers are saying
- May 20, 2026 expansion broadened Energetic’s underwriting capacity for distributed energy.
- May 5, 2026 M&T Bank and Verogy financing showed bankable demand for its structure.
- July 2026 publications on concentration risk and pricing reinforce lender trust and deal flow.
What critics are saying
- Energetic depends on external insurer capacity; tighter 2027 terms squeeze originations.
- A few anchor partnerships, including Rabobank and Redaptive, concentrate revenue and underwriting risk.
- One large claim cycle or rating downgrade kills the credit-insurance product and business model.
What makes Energetic unique
- Energetic’s EneRate Credit Cover first-linked credit insurance unlocks C&I project financing.
- The MGU model taps AA-/Aa3 insurer capacity without balance-sheet-heavy lending.
- Its structures bundle multiple assets and revenue streams into portfolio-scale financing.
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