Business Underwriter

About Billd
Billd is a fast-growing fintech company looking to disrupt a $1.4 trillion dollar industry. We offer industry-leading financial and technology products to empower our customers. We believe in championing the underdog because no one else does.
We're equally committed to the motivated professionals that make up the Billd family. We are proud to have been recognized as Austin's fastest-growing private company by Austin Business Journal, and one of the best to work for by Built In. As a rapidly growing company, there are numerous opportunities for internal growth and career development.
You will be challenged to be your best self and guaranteed to have one of the most professionally rewarding experiences of your career. We encourage creativity, initiative, collaboration, playfulness, and a strong work-life balance.
We call our beautiful campus, located in Austin, TX, home and have a hybrid work model that allows employees the flexibility to work from home one day per week.
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 with 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.
What You'll Do

• Own the contractor onboarding process including diligence, company underwriting, and credit limit determination
• Complete diligence process on contractor account diligence on a daily basis, working five to ten accounts per day
• 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, #alwaysbetter
• Maintain subject matter expertise pertaining to current market underwriting guidelines relating to each state, lien laws, as well as internal company guidelines
• Mentor risk and sales associates on deal processing and underwriting
• Collaborate with internal sales team

Skills and Qualifications:

• Bachelor's degree
• 1-2 years in commercial underwriting roles or business credit analysis
• 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
• 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

Billd is committed to diversity and is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status.