Business Underwriter

About Billd:

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 4.4 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)
• 3x Fastest Growing Companies award winner (Austin Business Journal)
• 3x 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)

We call our Austin, TX, headquarters home and have a hybrid work model that allows employees the flexibility to work from home on Fridays. Our dog-friendly office is centrally located north of downtown and features a fully stocked kitchen, on-site fitness room, and hosts quarterly company-wide team events.

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.

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, 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

Why Billd?

Billd is committed to building a diverse and inclusive environment, and we're proud to be an equal opportunity employer. We value the perspectives and experiences of every applicant, and all qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity, sexual orientation, national origin, genetics, disability, age, or veteran status.