Senior Underwriter Analyst

About the role

BILL is a financial technology company that builds software for managing business payments, accounts payable, and accounts receivable. The Senior Underwriter Analyst will play a central role in evaluating credit risk and supporting the underwriting decisions that help BILL maintain the integrity and reliability of its payment platform. This position involves working closely with cross-functional teams across the organization to assess applicant profiles, review detailed financial data, and recommend appropriate credit terms for each business relationship. The analyst will contribute meaningfully to refining underwriting policies and improving the overall accuracy of risk assessments across the growing BILL customer base.

Key facts

What you'll do

• Evaluate credit applications and financial data to determine appropriate risk levels for new and existing business clients.
• Review applicant business profiles, including revenue history, payment behavior patterns, and outstanding financial obligations across accounts.
• Collaborate with the underwriting team to develop and continuously update risk scoring models and evaluation criteria.
• Prepare detailed underwriting reports that summarize analytical findings and provide clear support for final credit decisions.
• Monitor portfolio performance on an ongoing basis and identify trends that may indicate emerging or evolving credit risks.
• Coordinate with sales and account management teams to provide guidance on appropriate credit limits and payment terms.
• Conduct thorough due diligence on counterparties to ensure compliance with internal risk thresholds and company standards.
• Contribute to the ongoing refinement of underwriting guidelines based on portfolio outcomes, market shifts, and lessons learned.
• Support the integration of new data sources and analytical tools into the existing underwriting workflow and processes.
• Participate in weekly underwriting meetings to review pending cases, discuss risk exceptions, and align on decision priorities.
• Assist with the creation of training materials and documentation to help newer team members understand underwriting procedures.
• Liaise with the compliance team to ensure all underwriting activities meet regulatory requirements and internal audit standards.

Requirements

• Bachelor's degree in finance, accounting, economics, or a related field is required for this position.
• A minimum of five years of experience in underwriting, credit analysis, or a closely related professional function.
• Demonstrated proficiency in evaluating financial statements and interpreting key business metrics with a high degree of accuracy.
• Strong understanding of credit risk principles and the practical ability to apply them in a commercial lending environment.
• Experience working with underwriting software platforms or enterprise risk management systems in a professional setting.
• Excellent analytical skills with the demonstrated ability to process large volumes of financial data efficiently and correctly.
• Effective written and verbal communication skills for preparing comprehensive reports and presenting recommendations to stakeholders.
• Ability to work independently and manage multiple concurrent underwriting cases while adhering to established team deadlines.
• Familiarity with data visualization tools and the ability to translate complex financial findings into clear visual formats.
• Track record of maintaining confidentiality and handling sensitive financial information with the utmost professional care.

Nice to have

• Prior experience in a fintech or payments-focused company, where speed and scale are key factors in daily operations.
• Familiarity with regulatory frameworks that govern commercial credit and consumer lending practices within the United States.
• Advanced proficiency in spreadsheet modeling, financial forecasting techniques, and scenario analysis for credit decision support.
• Professional certification such as Certified Credit Analyst (CCA) or a related industry credential is valued by the team.
• Background in working with large-scale transactional data sets and experience drawing actionable conclusions from complex financial records.

Skills & tools

• Credit risk assessment and underwriting methodologies used in commercial financial environments.
• Financial statement analysis and ratio interpretation for evaluating business creditworthiness.
• Data analysis tools such as Excel or Google Sheets at an advanced functional level.
• Enterprise risk management platforms and underwriting decision systems commonly used in the industry.
• Database querying and the ability to extract meaningful insights from structured financial datasets efficiently.
• Presentation and reporting tools for communicating underwriting findings and recommendations to diverse stakeholders.

Practical notes

• This role is based in the United States and reports to the underwriting leadership team at BILL.
• The Senior Underwriter Analyst will work within a structured team environment that values data-driven decision making and thoughtful analysis.
• Regular collaboration with engineering, product, and finance teams is expected as part of the cross-functional workflow across the organization.
• The position may involve handling sensitive financial information on a daily basis and requires strict adherence to confidentiality protocols.
• Candidates should expect a standard full-time work schedule with occasional additional hours during peak underwriting review periods.

About the company

An American company operates from San Jose, California. Focus centers on automated software for financial tasks aimed at United States small businesses. The cloud based system handles operations. Financial institutions receive a white labeled, full payments automation platform called Bill.com Connect. This platform integrates into online banking systems that offer single sign on access. Company serves clients through this ecosystem.