Underwriter

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