Business Underwriter

BillD; Austin (TX); On-site; USD 90,000 - 125,000; Full time

Benefits offered by this job

Highly competitive salary

Top class benefits

Unlimited PTO

Office lunches monthly

Job summary

Billd, a fast-growing fintech in Austin, seeks an experienced underwriter to lead contractor onboarding, diligence, and credit decisioning. You will evaluate credit reports, bank statements, and background checks while refining underwriting policies.

The role requires cross-department collaboration to manage risk in a dynamic, startup-like environment. The ideal candidate has 2+ years in commercial underwriting, strong analytical skills with Excel/SQL, and familiarity with Salesforce and

Qualifications

• Bachelor's degree required.
• 2+ years in commercial underwriting roles or business credit analysis.
• Experience with commercial construction is preferred but not required.
• Familiar with Salesforce or comparable CRM/ERP systems.
• Familiar with diligence tools such as Experian, LexisNexis, and consumer credit reports.
• Startup experience a plus.

Responsibilities

• Own contractor onboarding, including diligence, underwriting, and credit limit determination.
• Complete daily diligence on contractor accounts and summarize underwriting methodology and risk factors.
• Monitor contractor portfolio for re-diligence and risk.
• Perform comprehensive underwriting including credit reports, bank statements, and background checks.
• Identify discrepancies to protect Billd from fraud and improve underwriting processes.
• Collaborate with internal sales and leadership teams.

Skills

Underwriting

Credit analysis

Excel

SQL

Artificial Intelligence

Communication

Education

Bachelor's degree

Tools

Salesforce

LexisNexis

Experian Business

Job description

About Billd

Billd is a fast-growing fintech company looking to disrupt a $1.5 trillion industry. We offer first-of-its-kind, industry-leading financial and technology products to empower our customers, commercial subcontractors. We believe in championing the underdog because no one else does.

You will be challenged to bring your best self to Billd and guaranteed to have the most professionally rewarding experiences of your career. We pride our team on being focused, relentless, and driven, but never take ourselves too seriously and love having fun. At Billd, AI is central to how we build and operate. We're looking for people who are energized by AI and want to be at the forefront of AI adoption.

As a rapidly growing company, we offer several opportunities for internal growth and career development. We're committed to the motivated professionals that work at Billd, but don't just take our word for it. Check out our 4.5 Glassdoor rating to see what our team has to say about working here.

But the praise doesn't stop there. Some of our awards include:

• 4x Top Private Companies award winner (Austin Business Journal)
• 4x Fastest Growing Companies award winner (Austin Business Journal)
• 4x Top Technology Firm (Construction Executive Magazine)
• 2x Top Tech Employer in Austin (Austin Business Journal)
• 2x Best Places to Work (Forbes, BuiltIn)
• 1x Best CEO Nomination (Austin Business Journal)
• 1x Top 10 Startups in Austin (LinkedIn)

We call our Austin, TX headquarters home. Our dog-friendly office is located downtown and features a fully stocked kitchen, onsite fitness room, and hosts quarterly company-wide events. This role follows an in office Monday-Thursday schedule, with Friday remote(if desired). There is added flexibility available through our work from home allowance. This role is not eligible for fully remote work.

The Role

You are an analytical, go-getter, who loves to dot i's and cross t's and is an exceptional multi-tasker. You are excited about the opportunity to have broad exposure to, and interactions within, a rapidly growing part of the fintech industry. You have a keen desire to build experience within a B2B lender that has an impressive growth trajectory. You are an all-star credit underwriter who is comfortable working cross-departmentally, collaborating with Sales departments, and other stakeholders within Billd. The key responsibility for this role is to live and breathe the business underwriting process.

What You'll Do

• Own the contractor onboarding process including diligence, company underwriting, and credit limit determination
• Complete diligence process on contractor account diligence on a daily basis
• Summarize underwriting methodology, key risk factors, and decisioning reasoning on contractor accounts on a daily basis
• Monitor contractor business portfolio for re-diligence and additional risk
• Complete business underwriting including: credit report evaluation, ratio calculations, bank statement review, background checks, and independent business research
• Evaluate and process applicant documents to identify discrepancies and protect Billd from potentially fraudulent activity
• Proactively identify high and low risk indicators with the goal of improving Billd Credit Policy
• Evaluate existing underwriting processes and find ways to improve efficiencies and underwriting results
• Maintain subject matter expertise pertaining to current market underwriting guidelines as well as internal company guidelines
• Collaborate with internal sales and leadership teams

Skills and Qualifications

• Bachelor's degree
• 2+ years in commercial underwriting roles or business credit analysis
• Knowledge in the commercial construction experience is preferred but not required
• Experience with Salesforce or comparable CRM and ERP systems is preferred but not required
• Familiarity with a wide variety of diligence tools such as Experian Business, LexisNexis, & consumer credit reports
• Comfortable working in a fast-paced environment, startup experience a plus
• Exceptional written and verbal communication skills
• Strong analytical skills and proficiency with Excel, SQL, and Artificial Intelligence

What you'll get

• Highly competitive salary
• Top class benefits
• Unlimited PTO
• Regular end of the month office lunches

Billd is committed to diversity and is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status.