Underwriter

Menlo Ventures; Salt Lake City (UT); Hybrid; USD 62,000 - 74,000; Full time

Benefits offered by this job

Excellent health coverage and life ins

401K with 3% company match

PTO, Company Holidays, and Flexible"

Mental Health Benefits, including 1:1

Wellness stipend

Monthly WFH stipends

Parental leave

Financial coaching

Catered lunches and stocked kitchens

Volunteering opportunities

Job summary

Bluevine is seeking an experienced Underwriter to assess small business loan applications in line with credit policies and risk appetite. You will analyze financial statements, credit reports, and data to structure loan terms that support growth while protecting profitability.

The role requires 2+ years in underwriting, preferably in fintech or banking, a finance-related degree, and strong risk judgment. This is a hybrid U.S. role based in Utah with competitive compensation and benefits.

Qualifications

• 2+ years of underwriting experience in fintech, banking, or financial institution.
• Small business lending experience preferred.
• Strong knowledge of credit fundamentals in commercial lending; formal credit training is a plus.
• Bachelor’s degree in finance, accounting, economics, or related field preferred.
• Strong analytical skills and exceptional attention to detail.
• Sound judgment and the ability to evaluate complex financial information.
• Collaborative mindset and strong written and verbal communication skills.

Responsibilities

• Underwrite small business loan applications per established credit policies and risk guidelines.
• Analyze financial statements, bank statements, tax returns, application data, and credit reports.
• Evaluate applicant creditworthiness, identify risks, and structure loans within guidelines.
• Make well-supported credit decisions balancing risk, customer needs, growth, and profitability.
• Document underwriting decisions and rationale clearly.
• Support additional projects and responsibilities as assigned by manager.

Skills

Underwriting

Credit analysis

Attention to detail

Collaboration

Communication skills

Education

Bachelor's degree in finance, accounting, economics, or related field

Tools

Credit risk systems

Job description

About Bluevine

Bluevine is the largest small business banking platform in the U.S., redefining how entrepreneurs manage their money. We create modern financial solutions, from checking and lending to payments and beyond, designed to help small business owners grow, thrive, and take control of their financial future. Our best-in-class technology, advanced security, and deep understanding of the small business community give our customers the confidence to focus on what they do best.

Since 2013, we’ve supported more than 750,000 small businesses nationwide. Backed by leading investors like Lightspeed Venture Partners, Menlo Ventures, 83North, and Citi Ventures, our 500+ person global team shares one mission: to give small businesses the financial tools they need to succeed.

We’re innovators driven by big ideas, collaboration, and real impact. Here, you’ll have the freedom to take ownership, grow your career, and make a difference for small business owners across America. Ready to shape what’s next?

What We Look For:

The successful candidate will evaluate and underwrite small business loan applications in accordance with the company’s credit policies, procedures, and risk appetite. This role requires strong technical expertise, sound judgment, and exceptional attention to detail. The underwriter will assess complex financial information, evaluate credit risk, structure appropriate loan terms, and ensure compliance with applicable regulations while supporting the company’s growth, profitability, and portfolio performance goals.

What You’ll Do:

• Underwrite small business loan applications in accordance with established credit policies, procedures, and risk guidelines.
• Analyze financial statements, bank statements, tax returns, application data, and business and personal credit reports.
• Evaluate applicant creditworthiness, identify potential risks, and structure loans within established guidelines.
• Make well-supported credit decisions while balancing risk, customer needs, growth, and profitability.
• Clearly document underwriting decisions and rationale.
• Support additional projects and responsibilities as assigned by your manager.

What We Look For:

• 2+ years of Underwriting experience, ideally within a fintech company, bank, or other financial institution.
• Small business lending experience preferred.
• Strong knowledge of credit fundamentals within a commercial lending environment; formal credit training is a plus.
• Bachelor’s degree in finance, accounting, economics, or a related field preferred.
• Strong analytical skills and exceptional attention to detail.
• Sound judgment and the ability to evaluate complex financial information.
• A collaborative mindset and strong written and verbal communication skills.

This role is also eligible to earn annual performance-based incentive compensation in the form of a cash bonus. At Bluevine, we recognize the importance of fair and competitive compensation. Exact compensation may vary based on a variety of factors, including your experience, skills, and qualifications, as well as market trends.

New Hire Base Salary: $61,900 - $74,100 USD

Benefits & Perks (US Based ONLY)

• Excellent health coverage and life insurance benefits
• 401K with an immediate 3% company match
• PTO, Company Holidays, and Flexible Holidays
• Company-sponsored Mental Health Benefits, including 1:1 therapy
• Over $1,000 each year to spend on your personal wellness
• Monthly WFH stipends totaling over $1,000 annually
• Generous, paid parental leave covering up to 20 weeks of leave for birthing parents and up to 12 weeks of leave for all other parents
• Access to financial coaches and education sessions
• Weekly catered lunches and fully stocked kitchen pantries
• Community-based volunteering opportunities

#LI-Hybrid