Underwriter

About Bluevine

Bluevine is transforming small business banking with innovative solutions like checking, lending, and credit—all tailored to help entrepreneurs thrive. With best-in-class technology, advanced security, and a deep understanding of the small business community, we’re empowering entrepreneurs to grow with confidence.

Backed by leading investors like Lightspeed Venture Partners, Menlo Ventures, 83North, and Citi Ventures, we’ve been supporting SMBs since 2013, serving over 500,000 customers nationwide and growing a dynamic global team of 500 people. Our mission? To fuel small businesses with the financial tools they need to succeed.

At Bluevine, you’ll be part of a collaborative, fast-paced team that’s reshaping the future of banking. Ready to make an impact?

This is a hybrid role. At Bluevine, we pride ourselves on our collaborative culture, which we believe is best maintained through in-person interactions and a vibrant office environment. All of our offices have reopened in accordance with local guidelines, and are following a hybrid model. In-office days will be determined by location and discipline.

ABOUT THE ROLE:

The successful candidate will be responsible for underwriting loans in accordance with the company’s policy and risk appetite while maintaining focus on risk tolerance, growth, and profitability objectives. This position requires a high level of technical expertise, sound judgment and attention to detail with the ability to analyze complex information to assess credit risk, create appropriate loan structures, and ensure
compliance with applicable regulations, credit policy/ procedures, in an effort to mitigate loss, delinquency and overall risk.

What you'll do

• Underwrite Small business loan applications in accordance to company’s policy and procedures
• Analyze application data including financial statements, bank statements, tax returns and business and personal credit reports
• Determine Credit worthiness and structure loans within established guidelines and expectations
• Additional tasks and projects as assigned by manager  

What we look for

• Small Business Lending experience required, solid credit fundamentals in a commercial environment. Formal credit training a plus
• 2+ years of Underwriting experience working in a Commercial underwriting role at a FinTech/bank/financial institution
• Bachelor’s degree in Finance, Accounting, Economics or related field preferred
• Collaborative mindset and strong communication skills
• Detail oriented individual with strong analytical skills  

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Benefits & Perks

• Excellent group health coverage and life insurance
• Stock options
• Hybrid work model
• Meal allowance
• Transportation assistance (terms and conditions apply)
• Generous paid time off plan, Holidays
• Company-sponsored mental health benefits
• Financial advisory services for both short- and long-term goals
• Learning and development opportunities to support career growth
• Community-based volunteering opportunities