Commercial Underwriter @ Bill.com

Innovate with purpose

At BILL, we believe in empowering the businesses that drive our economy. By replacing outdated financial processes with innovative tools, we help businesses—from startups to established brands—make smarter decisions and gain control of their operations. And we don’t stop there: we’re creating the future of financial automation so businesses can spend more time on what matters.

Working here means you become part of a vision-driven team that’s ready to tackle challenges and build cutting-edge solutions. We value purpose, drive, and curiosity—and we thrive in a fast-paced, ever-changing environment. Whether in one of our offices in San Jose, CA, Draper, UT, or working remotely, BILLders collaborate to deliver real impact for businesses that need more time in their busy weeks.

At BILL, we listen, learn, and lead—fostering collaboration and a drive for continuous growth. We’re committed to building a diverse and inclusive workplace that values each person’s unique skills and experiences. Even if you don’t meet every requirement, we’d love to hear from you—you might be just what we’re looking for, whether in this role or another.

✨ Let’s give businesses more time for what matters.

Make your impact within a rapidly growing Fintech Company

Join our Underwriting team and play a pivotal role in executing strategic and operational initiatives. As a vital member of our team, you’ll support our underwriting team in managing and growing our Spend & Expense (formally Divvy) portfolio. Your responsibilities will include assessing customer financials to provide a recommendation or approval of new or increased credit exposures. We’re seeking a candidate with a strong background in underwriting of financial statements, a strong business acumen, and a customer-centric mindset. The ideal candidate will have the ability to thrive both independently and within a small yet dynamic team. Join us in a fun and faced paced environment in our underwriting efforts and achieving key financial objectives in our growing organization.

The underwriting team consists of analysts performing manual reviews of originations, increases, high-risk triggered accounts sourced by our data science team, and annual reviews of our highest credit exposures.

Analyze and underwrite exposures based on financial statement analysis and other predictive models.
Participate in the development and maintenance of credit strategies, processes, and procedures
From time to time, participate in exploratory discussions with customers to understand the company’s financial position to help facilitate credit decisions.
Conduct periodic reviews to properly manage the company’s risk profile.
Communicate with senior risk management to arrive at credit decisions when necessary.
Complete financial spreading when necessary.
Learn / utilize programming languages to improve efficiency, manage losses, and uncover potential within the portfolio

We’d love to chat if you have:

2-3+ years experience underwriting at a financial institution
Bachelor’s degree in finance, accounting, economics, business, or statistics (graduate degree a plus)
1+ years experience as a commercial credit analyst or underwriter, or similar experience in dealing with commercial exposures ranging from small business or middle-market to large, multinational institutions (typical deal sizes ranging from $250k-$1 million+)
Understanding of fundamental financial analysis
Comfort with GAAP accounting standards
Understanding of current macroeconomic trends and how to provide recommendations to improve the Probability of Default estimation based on the business cycle
Self-Starter: Ability to manage personal workload so this person must prioritize and execute on a plan to complete exposure reviews to meet turnaround times

#evergreen

The estimated base salary range for this role is noted below for our office location in Draper, UT. Additionally, this role is eligible to participate in BILL’s bonus and equity plan. Our ranges for each role and job level are based on a variety of factors including candidate experience, expertise, and geographic location and may vary from the amounts listed above. The role is also eligible for a competitive benefits package that includes: medical, dental, vision, life and disability insurance, 401(k) retirement plan, flexible spending & health savings account, paid holidays, paid time off, and other company benefits.

Draper UT pay range

$67,200—$80,400 USD

Our ranges for each role and job level are based on a variety of factors including candidate experience, expertise, and geographic location and may vary from the amounts listed below. The role is also eligible for a competitive benefits package that includes: medical, dental, vision, life and disability insurance, 401(k) retirement plan, flexible spending & health savings account, paid holidays, paid time off, and other company benefits. The estimated salary ranges noted below roles in the specific geographic zones

Zone 1- San Francisco Bay Area CA (includes HQ), New York City, Seattle

$79,000—$94,600 USD

Zone 2- CA (Non San Francisco Bay Area), Austin TX, Massachusetts

$71,100—$85,200 USD

Zone 3 -Utah (includes Utah office), Houston TX (office), Florida, North Carolina

$67,200—$80,400 USD

What’s in it for you?

Redefining how businesses automate their work is a fast-paced, exciting, and fun environment. But we also have benefits and perks to ensure the magic isn’t only experienced by our customers, but by our employees as well.

Here is a preview of some of the amazing benefits here at BILL:

100% paid employee health, dental, and vision plans (choose HMO, PPO, or HDHP)
HSA & FSA accounts
Life Insurance, Long & Short-term disability coverage
Employee Assistance Program (EAP)
11+ Observed holidays and wellness days and flexible time off
Employee Stock Purchase Program with employee discounts
Wellness & Fitness initiatives
Employee recognition and referral programs
And much more

Don’t believe us? Check out our culture, benefits, and teams on our career site, LinkedIn Life, or YouTube pages.

BILL is an Equal Opportunity Employer that values diversity and inclusion. We believe our best ideas come from the unique stories, perspectives, and experiences of our team members. We welcome people of all backgrounds, abilities, and identities to bring their authentic selves and contribute to our culture.

We are committed to a transparent, inclusive hiring process that reflects our values. If you need accommodations at any stage, please contact [email protected].

Commercial Underwriter

Bill.com

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