Commercial Underwriter

Are you a detail-oriented and analytical professional looking to make a meaningful impact in the financial industry? Do you have a passion for understanding complex financial data and making informed decisions? If so, we invite you to explore the exciting opportunity to join our Underwriting team at Bill.

As a Commercial Underwriter at Bill, you will play a critical role in assessing the creditworthiness of our customers and making informed decisions about their financial obligations. You will work closely with our data science team to analyze financial statements, credit reports, and other relevant data to determine the risk associated with each customer. Your expertise will help us to identify potential risks and opportunities, enabling us to make informed decisions that drive business growth and profitability.

• 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 their financial position and 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 and utilize programming languages to improve efficiency, manage losses, and uncover potential within the portfolio.

• 2-3+ years of experience underwriting at a financial institution.
• Bachelor's degree in finance, accounting, economics, business, or statistics (graduate degree a plus).
• 1+ years of 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.

At Bill, we offer a competitive salary range of $67,200-$80,400 USD, depending on location. Our benefits package includes 100% paid employee health, dental, and vision plans, HSA & FSA accounts, life insurance, long & short-term disability coverage, employee assistance program, 11+ observed holidays and wellness days, flexible time off, employee stock purchase program with employee discounts, wellness & fitness initiatives, employee recognition and referral programs, and much more.

We are committed to creating a diverse and inclusive work environment where everyone feels valued and empowered to contribute their best work. If you are a motivated and detail-oriented professional looking to make a meaningful impact in the financial industry, we encourage you to apply for this exciting opportunity to join our Underwriting team at Bill.