Business Underwriter

Billd•Austin, TX

39d•Hybrid

About The Position

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. 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.

Requirements

Bachelor’s degree
2+ years in commercial underwriting roles or business credit analysis
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

Nice To Haves

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

Responsibilities

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