{"schemaVersion":"jobsearcher.job.v1","id":"99044a148a3da5bcbc142a7a","url":"https://jobsearcher.com/jobs/99044a148a3da5bcbc142a7a","canonicalUrl":"https://jobsearcher.com/jobs/99044a148a3da5bcbc142a7a","title":"Senior Underwriter Analyst","description":"Innovate with purpose\nAt 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 By replacing outdated financial processes with innovative tools, we help businesses—from startups to established brands—make smarter decisions and gain control of their operations.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.\n\nWorking 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 in a remote-eligible role, BILLders collaborate to deliver real impact for businesses that need more time in their busy weeks.\n\nBILL builds high performing teams and we seek to hire the best talent for every role. We're committed to building a workplace that fosters inclusion and diverse perspectives, valuing each person’s unique skills and experiences. We’d love to hear from you—you might be just what we’re looking for, whether in this role or another.\n\nLet’s give businesses more time for what matters.\n\nWith BILL continuing to build out our Risk department, we need an Underwriting Analyst that is able to come into our environment and assist in building our Risk infrastructure. This is an opportunity to own and build something from the ground-up. The Risk team is the foundation of our company, so your position is of high-value to BILL.\n\nWhat You’ll Be Doing:\n\nParticipate in the development and maintenance of credit strategies, processes, and procedures\n\nAnalyze and underwrite exposures based on fundamental analysis and other predictive models.\n\nParticipate in the development and maintenance of credit loss forecast\n\nEstablish and maintain effective performance tracking to ensure strategies and/or forecasts are performing as expected. Apply key learnings to update strategies/loss forecasts in a timely manner\n\nDesign and implement comprehensive tests and evaluate the financial impact of various treatments to drive enhancements\n\nConduct periodic reviews to ensure accurate execution\n\nWe’d love to chat if you have:\n\nExperience as a credit analyst or underwriter (or other applicable experience) dealing with commercial exposures ranging from small business or middle-market to large, multinational institutions\n\nUnderstanding of fundamental financial analysis\n\nComfort with GAAP/IFRS accounting standards\n\nFamiliarity with quantitative credit models (such as Moody's RiskCalc) and knowledge of how to interpret the outputs, and explain deviations\n\nComfort with public agency ratings and supporting analysis\n\nUnderstanding of current macroeconomic trends and how to provide recommendations to improve the PD estimation based on the business cycle\n\n5 years experience rating and/or underwriting at a leading financial institution or rating agency\n\nBachelor's degree in finance, accounting, economics, business, or statistics (graduate degree a plus)\n\nChartered Financial Analyst program candidacy a plus\n\nVisa Sponsorship:\nPlease note that this position is not eligible for visa sponsorship. Applicants must have authorization to work in the United States without requiring visa sponsorship now or in the future.\n\nOur 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\n\nZone 1: San Francisco Bay Area CA (includes HQ), New York City, Seattle, Los Angeles County. $90,500 — $108,200 USD\n\nZone 2: CA (Non San Francisco Bay Area and Los Angeles County), Austin TX, Massachusetts. $81,400 — $97,300 USD\n\nZone 3: Utah (includes Utah office), Dallas TX, Houston TX, Florida, North Carolina, Illinois, Colorado, Arizona, Georgia, Oregon, Pennsylvania. $76,900 — $91,900 USD\n\nWhat’s in it for you?\nRedefining 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.\n\nHere is a preview of some of the amazing benefits here at BILL:\n\n100% paid employee health, dental, and vision plans (choose HMO, PPO, or HDHP)\n\nHSA & FSA accounts\n\nLife Insurance, Long & Short-term disability coverage\n\nEmployee Assistance Program (EAP)\n\n11+ Observed holidays and wellness days and flexible time off\n\nEmployee Stock Purchase Program with employee discounts\n\nWellness & Fitness initiatives\n\nEmployee recognition and referral programs\n\nAnd much more\n\nBILL is an Equal Opportunity Employer. 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.\n\nWe are committed to a transparent, inclusive hiring process that reflects our values. If you need accommodations at any stage, please contact interviewaccommodations@hq.bill.com. To ensure a fair evaluation, our Candidate Integrity Policy prohibits the use of unapproved external assistance, including generative AI, during live interviews or assessments. Doing so will result in a review and potential disqualification.\n\nOur Applicant Privacy Notice describes how BILL treats the personal information it receives from applicants.\n\n#J-18808-Ljbffr","company":"Socket","rawCompany":"socket","city":"Millbrae","state":"CA","isRemote":false,"isActive":false,"createdAt":"2026-08-11T03:32:59.188Z","occupations":[{"code":"13-2054.00","title":"Financial Risk Specialists","slug":"financial-risk-specialists"},{"code":"13-2041.00","title":"Credit Analysts","slug":"credit-analysts"},{"code":"13-2051.00","title":"Financial and Investment Analysts","slug":"financial-and-investment-analysts"}],"industries":[{"code":"524126","title":"Direct Property and Casualty Insurance Carriers","slug":"direct-property-and-casualty-insurance-carriers"},{"code":"522291","title":"Consumer Lending","slug":"consumer-lending"},{"code":"522299","title":"International, Secondary Market, and All Other Nondepository Credit Intermediation","slug":"international-secondary-market-and-all-other-nondepository-credit-intermediation"}],"jobPosting":{"@context":"https://schema.org","@type":"JobPosting","title":"Senior Underwriter Analyst","description":"Innovate with purpose\nAt 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.\n\nWorking 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 in a remote-eligible role, BILLders collaborate to deliver real impact for businesses that need more time in their busy weeks.\n\nBILL builds high performing teams and we seek to hire the best talent for every role. We're committed to building a workplace that fosters inclusion and diverse perspectives, valuing each person’s unique skills and experiences. We’d love to hear from you—you might be just what we’re looking for, whether in this role or another.\n\nLet’s give businesses more time for what matters.\n\nWith BILL continuing to build out our Risk department, we need an Underwriting Analyst that is able to come into our environment and assist in building our Risk infrastructure. This is an opportunity to own and build something from the ground-up. The Risk team is the foundation of our company, so your position is of high-value to BILL.\n\nWhat You’ll Be Doing:\n\nParticipate in the development and maintenance of credit strategies, processes, and procedures\n\nAnalyze and underwrite exposures based on fundamental analysis and other predictive models.\n\nParticipate in the development and maintenance of credit loss forecast\n\nEstablish and maintain effective performance tracking to ensure strategies and/or forecasts are performing as expected. Apply key learnings to update strategies/loss forecasts in a timely manner\n\nDesign and implement comprehensive tests and evaluate the financial impact of various treatments to drive enhancements\n\nConduct periodic reviews to ensure accurate execution\n\nWe’d love to chat if you have:\n\nExperience as a credit analyst or underwriter (or other applicable experience) dealing with commercial exposures ranging from small business or middle-market to large, multinational institutions\n\nUnderstanding of fundamental financial analysis\n\nComfort with GAAP/IFRS accounting standards\n\nFamiliarity with quantitative credit models (such as Moody's RiskCalc) and knowledge of how to interpret the outputs, and explain deviations\n\nComfort with public agency ratings and supporting analysis\n\nUnderstanding of current macroeconomic trends and how to provide recommendations to improve the PD estimation based on the business cycle\n\n5 years experience rating and/or underwriting at a leading financial institution or rating agency\n\nBachelor's degree in finance, accounting, economics, business, or statistics (graduate degree a plus)\n\nChartered Financial Analyst program candidacy a plus\n\nVisa Sponsorship:\nPlease note that this position is not eligible for visa sponsorship. Applicants must have authorization to work in the United States without requiring visa sponsorship now or in the future.\n\nOur 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\n\nZone 1: San Francisco Bay Area CA (includes HQ), New York City, Seattle, Los Angeles County. $90,500 — $108,200 USD\n\nZone 2: CA (Non San Francisco Bay Area and Los Angeles County), Austin TX, Massachusetts. $81,400 — $97,300 USD\n\nZone 3: Utah (includes Utah office), Dallas TX, Houston TX, Florida, North Carolina, Illinois, Colorado, Arizona, Georgia, Oregon, Pennsylvania. $76,900 — $91,900 USD\n\nWhat’s in it for you?\nRedefining 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.\n\nHere is a preview of some of the amazing benefits here at BILL:\n\n100% paid employee health, dental, and vision plans (choose HMO, PPO, or HDHP)\n\nHSA & FSA accounts\n\nLife Insurance, Long & Short-term disability coverage\n\nEmployee Assistance Program (EAP)\n\n11+ Observed holidays and wellness days and flexible time off\n\nEmployee Stock Purchase Program with employee discounts\n\nWellness & Fitness initiatives\n\nEmployee recognition and referral programs\n\nAnd much more\n\nBILL is an Equal Opportunity Employer. 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.\n\nWe are committed to a transparent, inclusive hiring process that reflects our values. If you need accommodations at any stage, please contact interviewaccommodations@hq.bill.com. To ensure a fair evaluation, our Candidate Integrity Policy prohibits the use of unapproved external assistance, including generative AI, during live interviews or assessments. Doing so will result in a review and potential disqualification.\n\nOur Applicant Privacy Notice describes how BILL treats the personal information it receives from applicants.\n\n#J-18808-Ljbffr","datePosted":"2026-08-11T03:32:59.188Z","dateModified":"2026-08-11T03:32:59.188Z","hiringOrganization":{"@type":"Organization","name":"Socket","sameAs":"https://jobsearcher.com"},"jobLocation":{"@type":"Place","address":{"@type":"PostalAddress","addressLocality":"Millbrae","addressRegion":"CA","addressCountry":"US"}},"identifier":{"@type":"PropertyValue","name":"JobSearcher","value":"99044a148a3da5bcbc142a7a"},"url":"https://jobsearcher.com/jobs/99044a148a3da5bcbc142a7a"}}