About Bluevine

Bluevine is on a mission to enable a better financial future for small business owners through innovative banking solutions designed just for them. By combining best-in-class technology with advanced security and a deep understanding of the small business community, we deliver end-to-end banking and lending products that empower always-on entrepreneurs to grow their businesses with confidence.

As a dynamic company with massive potential, we’re backed by leading investors such as Lightspeed Venture Partners, Menlo Ventures, 83North, Citi Ventures, and nearly 9 years of proven success. Since launching in 2013, we have grown exponentially, amassing over 400,000 customers across all 50 states and a global team of more than 500 people. Our passion is driven by purpose: to give small businesses the tools they need to succeed and we’re just getting started.

All of this begins with our team who are driven by collaboration, problem-solving, and learning and growing together. With a commitment to innovation and community impact, our mission is to help every small business—and every team member—thrive. Join us! #LI-Hybrid

About the Role

You’ll be responsible for underwriting loans following the company’s policies and risk appetite while balancing risk tolerance, growth, and profitability objectives. This position requires expertise, sound judgment, and attention to detail. The candidate will be skilled in analyzing complex information to assess credit risk, structuring appropriate loan terms, and ensuring compliance with applicable regulations and credit policies to mitigate loss, delinquency, and overall risk.

What You’ll Do

Underwrite small business loan applications following the company’s policy and procedures
Analyze application data including financial statements, bank statements, tax returns, and business and personal credit reports
Determine Creditworthiness and structure loans within established guidelines and expectations
Additional tasks and projects as assigned by the manager

What We Look For

Small Business Lending experience
Solid credit fundamentals in a commercial environment
5+ years of Underwriting experience
Commercial Underwriting experience in a FinTech/Bank/Financial Institution
Collaborative mindset and strong communication skills
Detail oriented individual with strong analytical skills
Formal credit training a plus
Bachelor’s degree in Finance, Accounting, Economics is a plus

BENEFITS AND PERKS - for employees located in the US

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 annually for a wellness benefit of your choice
Monthly WFH stipend
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
Free commuter benefits - Caltrain passes for San Francisco employees and a monthly parking allowance
Weekly catered lunches and fully stocked kitchen pantries
Community-based volunteering opportunities

What You’ll Do

What We Look For

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