Business Underwriter

Billd • Austin, TX

1d • Hybrid

About The Position

Billd is seeking an analytical, detail-oriented Business Underwriter to support its B2B lending business. The role owns contractor onboarding, diligence, business underwriting, and credit limit decisions. The underwriter works across departments, including with Sales and leadership, and helps improve underwriting processes and credit policy. The position is based at Billd’s Austin, Texas headquarters and follows an in-office Monday–Thursday schedule, with Friday remote if desired. It is not eligible for fully remote work; additional flexibility is available through a work-from-home allowance.

Requirements

• Bachelor’s degree.
• At least 2 years of experience in commercial underwriting roles or business credit analysis.
• Familiarity with diligence tools such as Experian Business, LexisNexis, and consumer credit reports.
• Strong analytical skills and proficiency with Excel, SQL, and artificial intelligence.
• Exceptional written and verbal communication skills.
• Comfort working in a fast-paced environment.

Nice To Haves

• Commercial construction experience.
• Experience with Salesforce or comparable CRM and ERP systems.
• Startup experience.

Responsibilities

• Own contractor onboarding, including diligence, company underwriting, and credit limit determination.
• Complete daily diligence on contractor accounts.
• Summarize underwriting methodology, key risk factors, and decision rationale for contractor accounts.
• Monitor the contractor business portfolio for re-diligence needs and additional risk.
• Underwrite businesses by evaluating credit reports, calculating ratios, reviewing bank statements, conducting background checks, and performing independent business research.
• Evaluate and process applicant documents to identify discrepancies and help protect Billd from potentially fraudulent activity.
• Identify high- and low-risk indicators to help improve Billd’s Credit Policy.
• Evaluate existing underwriting processes and identify ways to improve efficiency and underwriting results.
• Maintain subject matter expertise in current market underwriting guidelines and internal company guidelines.
• Collaborate with internal sales and leadership teams.

Benefits

• Highly competitive salary.
• Top-class benefits.
• Unlimited PTO.
• Regular end-of-month office lunches.
• Dog-friendly downtown Austin office with a fully stocked kitchen and onsite fitness room.
• Quarterly company-wide events.
• Work-from-home allowance and additional flexibility.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level