Commercial Underwriter

Do the best work of your career as a champion for small and mid-size businesses.
BILL is a leader in financial automation software for small and midsize businesses (SMBs). As a champion of SMBs, we are dedicated to automating the future of finance so businesses can thrive. Hundreds of thousands of businesses trust BILL solutions to manage financial workflows, including payables, receivables, and spend and expense management. With BILL, businesses are connected to a network of millions of members, so they can pay or get paid faster. Through our automated solutions, we help SMBs simplify and control their finances, so they can confidently manage their businesses, and succeed on their terms.
BILL is a trusted partner of leading U.S. financial institutions, accounting firms, and accounting software providers. We have operations in San Jose, CA, Draper, UT, and are continuing to expand into other geographic locations. If you're looking for a place that helps you do the best work of your career, look no further than BILL.
Make your impact within a rapidly growing Fintech Company
Join our Underwriting team and play a pivotal role in executing strategic and operational initiatives. As a vital member of our team, you'll support our underwriting team in managing and growing our Spend & Expense (formally Divvy) portfolio. Your responsibilities will include assessing customer financials to provide a recommendation or approval of new or increased credit exposures. We're seeking a candidate with a strong background in underwriting of financial statements, a strong business acumen, and a customer-centric mindset. The ideal candidate will have the ability to thrive both independently and within a small yet dynamic team. Join us in a fun and faced paced environment in our underwriting efforts and achieving key financial objectives in our growing organization.
The underwriting team consists of analysts performing manual reviews of originations, increases, high-risk triggered accounts sourced by our data science team, and annual reviews of our highest credit exposures.

• Analyze and underwrite exposures based on financial statement analysis and other predictive models.
• Participate in the development and maintenance of credit strategies, processes, and procedures
• From time to time, participate in exploratory discussions with customers to understand the company's financial position to help facilitate credit decisions.
• Conduct periodic reviews to properly manage the company's risk profile.
• Communicate with senior risk management to arrive at credit decisions when necessary.
• Complete financial spreading when necessary.
• Learn / utilize programming languages to improve efficiency, manage losses, and uncover potential within the portfolio

We'd love to chat if you have:

• 2-3+ years experience underwriting at a financial institution
• Bachelor's degree in finance, accounting, economics, business, or statistics (graduate degree a plus)
• 1+ years experience as a commercial credit analyst or underwriter, or similar experience in dealing with commercial exposures ranging from small business or middle-market to large, multinational institutions (typical deal sizes ranging from $250k-$1 million+)
• Understanding of fundamental financial analysis
• Comfort with GAAP accounting standards
• Understanding of current macroeconomic trends and how to provide recommendations to improve the Probability of Default estimation based on the business cycle
• Self-Starter: Ability to manage personal workload so this person must prioritize and execute on a plan to complete exposure reviews to meet turnaround times

#evergreen
The estimated base salary range for this role is noted below for our office location in Draper, UT. Additionally, this role is eligible to participate in BILL's bonus and equity plan. Our ranges for each role and job level are based on a variety of factors including candidate experience, expertise, and geographic location and may vary from the amounts listed above. The role is also eligible for a competitive benefits package that includes: medical, dental, vision, life and disability insurance, 401(k) retirement plan, flexible spending & health savings account, paid holidays, paid time off, and other company benefits.
Draper UT pay range
$67,200-$80,400 USD
Our ranges for each role and job level are based on a variety of factors including candidate experience, expertise, and geographic location and may vary from the amounts listed below. The role is also eligible for a competitive benefits package that includes: medical, dental, vision, life and disability insurance, 401(k) retirement plan, flexible spending & health savings account, paid holidays, paid time off, and other company benefits. The estimated salary ranges noted below roles in the specific geographic zones
Zone 1- San Francisco Bay Area CA (includes HQ), New York City, Seattle
$79,000-$94,600 USD
Zone 2- CA (Non San Francisco Bay Area), Austin TX, Massachusetts
$71,100-$85,200 USD
Zone 3 -Utah (includes Utah office), Houston TX (office), Florida, North Carolina
$67,200-$80,400 USD
Let's talk about benefits

• 100% paid employee health, dental, and vision plans (choose HMO, PPO, or HDHP)
• HSA & FSA accounts
• Life Insurance, Long & Short-term disability coverage
• Employee Assistance Program (EAP)
• 11+ Observed holidays and wellness days and flexible time off
• Employee Stock Purchase Program with employee discounts
• Wellness & Fitness initiatives
• Employee recognition and referral programs
• And much more

For positions that are in office we support a hybrid work environment with on-site and remote work days. Check out our LinkedIn Life Page for each location and discover BILL.
We live our culture and values every day
At BILL, we're different by design-it's our culture. Our CEO is a trusted entrepreneur who lives our cultural values: Humble, Authentic, Passionate, Accountable, and Fun. People here love being their authentic selves, contributing unique experiences, sharing ideas, perspectives, and intellectual curiosity. We celebrate our diversity as the heart and soul of how we work, grow, and succeed together. Inspiring people with meaningful career experiences they love really does make the dream work and our successes just keep getting better. There's no limit to what we can build and where we can go from here. We'd love you to join us.
BILL is proudly an Equal Opportunity Employer where everyone is welcome. Our innovation and technology are inspired by an inclusive culture unlike any other. Everyone brings a different personal story and perspective and this diverse mix of minds, backgrounds, and experiences is where our greatest ideas come from. We welcome people of all races, ethnicities, ages, religions, abilities, genders, and sexual orientations to make us an even more vibrant company. We want everyone to bring their authentic selves here, to share our values, shape our vision, drive innovation, and become part of a culture we celebrate every day.
Our promise to our candidates is to be transparent, diligent, and engaging while guiding individuals through each step of our hiring process. At BILL we strive to achieve an inclusive and positive candidate experience that aligns with our core values and focuses on diversity.
If you require a reasonable accommodation for your application, interviews, or another aspect of the hiring process, please contact
BILL Culture:

• Humble - We check our egos at the door. We are curious. We listen, accept feedback.
• Authentic - We earn and show trust by being real-embracing our authentic selves.
• Passionate - We care deeply about each other and our customers.
• Accountable - We are duty-bound to each other, our customers, and society.
• Fun - We wrap it all together by building connections and enjoying time spent together.

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