Sr. Underwriter

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 & 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