Remote Senior Underwriter & Credit Risk Analyst

United States Digital Space LLC; United States; Hybrid; USD 77,000 - 92,000; Full time

Benefits offered by this job

Health, dental, vision

HSA/FSA

Life Insurance

Disability insurance

EAP

Paid holidays

ESPP

Wellness program

Referral program

Job summary

BILL is seeking an Underwriting Analyst to help build our Risk infrastructure in a fast-paced, high-impact environment. The role focuses on credit analysis, underwriting, and forecasting to support informed decisions.

You’ll collaborate with a cross-functional team across offices in San Jose, Draper, or remote roles, with a comprehensive benefits package and a culture committed to inclusion. Applicants must be authorized to work in the United States without visa sponsorship.

Qualifications

• Experience as a credit analyst or underwriter dealing with commercial exposures ranging from small business or middle-market to large, multinational institutions.
• Understanding of fundamental financial analysis.
• Comfort with GAAP/IFRS accounting standards.
• Familiarity with quantitative credit models (such as Moody's RiskCalc) and knowledge of how to interpret the outputs, and explain deviations.
• Comfort with public agency ratings and supporting analysis.
• Understanding of current macroeconomic trends and how to provide recommendations to improve the PD estimation based on the business cycle.
• 5 years experience rating and/or underwriting at a leading financial institution or rating agency.
• Bachelor's degree in finance, accounting, economics, business, or statistics (graduate degree a plus).
• Chartered Financial Analyst program candidacy a plus.

Responsibilities

• Participate in the development and maintenance of credit strategies, processes, and procedures
• Analyze and underwrite exposures based on fundamental analysis and other predictive models.
• Participate in the development and maintenance of credit loss forecast
• Establish and maintain effective performance tracking to ensure strategies and/or forecasts are performing as expected. Apply key learnings to update strategies/loss forecasts in a timely manner
• Design and implement comprehensive tests and evaluate the financial impact of various treatments to drive enhancements
• Conduct periodic reviews to ensure accurate execution

Skills

Credit analysis

Underwriting expertise

Financial analysis

GAAP/IFRS familiarity

Credit models (Moody's RiskCalc)

Public rating analysis

Macroeconomic analysis

5+ years underwriting experience

CFA candidacy

Education

Bachelor's degree in finance, accounting, economics, business, or statistics

Job description

BILL is seeking an Underwriting Analyst to help build our Risk infrastructure in a fast-paced, high-impact environment. The role focuses on credit analysis, underwriting, and forecasting to support informed decisions.

You’ll collaborate with a cross-functional team across offices in San Jose, Draper, or remote roles, with a comprehensive benefits package and a culture committed to inclusion. Applicants must be authorized to work in the United States without visa sponsorship.