Manager, Underwriting

Manager, Underwriting

Salt Lake City, UT

Bluevine is the largest small business banking platform in the U.S., redefining how entrepreneurs manage their money. We create modern financial solutions, from checking and lending to payments and beyond, designed to help small business owners grow, thrive, and take control of their financial future. Our best-in-class technology, advanced security, and deep understanding of the small business community give our customers the confidence to focus on what they do best.

Since 2013, we've supported more than 750,000 small businesses nationwide. Backed by leading investors like Lightspeed Venture Partners, Menlo Ventures, 83North, and Citi Ventures, our 500+ person global team shares one mission: to give small businesses the financial tools they need to succeed.

We're innovators driven by big ideas, collaboration, and real impact. Here, you'll have the freedom to take ownership, grow your career, and make a difference for small business owners across America. Ready to shape what's next?

About the Role:

As the Manager, Underwriting at Bluevine, you will lead and develop a high-performing team of underwriters responsible for making sound credit decisions, including evaluating new loan applications, credit line increases, and escalated underwriting cases. As a subject matter expert in cash flow underwriting, you will play a key role in driving underwriting consistency, decision quality, operational excellence, and continuous process improvement across Credit Operations.

In this role, you will coach, mentor, and develop your team while balancing day-to-day underwriting responsibilities and contributing to strategic initiatives that support Bluevine's continued growth. You'll partner closely with cross-functional teams to refine underwriting processes, improve automation, and help build a world-class lending organization that empowers small businesses with the working capital they need to start, run, and grow their businesses.

What You'll Do:

• Lead and develop a global underwriting team, driving consistency, decision quality, and SLA performance, while maintaining an individual case queue workload.
• Partner with cross-functional teams on special projects and strategic initiatives as needed.
• Partner with the Head of Credit Operations and cross-functional stakeholders to optimize underwriting workflows, improve queue management, and drive operational efficiencies.
• Build and maintain a strong understanding of Bluevine's credit models, policies, and systems to support the development of underwriting tools, processes, and best practices.
• Partner with the fraud team to identify emerging fraud trends across new applications and the existing portfolio, implementing process improvements to minimize losses.
• Collaborate with risk operations leadership to identify and implement automation opportunities that improve scalability, efficiency, and the customer experience.
• Build strong cross-functional relationships and influence stakeholders across other business teams.
• Maintain SLAs while ensuring a high-quality customer experience through effective communication and collaboration across departments.

What We Look For:

• 8+ years of underwriting experience, ideally within the credit, consumer/business lending, banking, or similar spaces.
• Experience leveraging AI tools to improve workflows, enhance productivity, and streamline processes is preferred.
• Cash flow underwriting experience preferred
• Strong people management skills including providing feedback, performance management, and development of direct reports
• Relishes solving tough problems that have no obvious solutions and deals well with judgmental lending
• Able to clearly and effectively communicate verbally and in writing
• Maintains a positive attitude and stays determined when the going gets tough
• BA/BS degree in Business Administration, Finance, or similar
• Impeccable judgment and acute attention to detail
• Familiarity with underwriting loans, financial statements, tax documents

New Hire Base Salary Range: $97,800 - $119,800

This role is also eligible to earn annual performance-based incentive compensation in the form of a cash bonus. At Bluevine, we recognize the importance of fair and competitive compensation. Exact compensation may vary based on a variety of factors, including your experience, skills, and qualifications, as well as market trends.

Benefits & Perks (US Based ONLY)

• Excellent health coverage and life insurance benefits
• 401K with an immediate 3% company match
• PTO, Company Holidays, and Flexible Holidays
• Company-sponsored Mental Health Benefits, including 1:1 therapy
• Over $1,000 each year to spend on your personal wellness
• Monthly WFH stipends totaling over $1,000 annually
• Generous, paid parental leave covering up to 20 weeks of leave for birthing parents and up to 12 weeks of leave for all other parents
• Access to financial coaches and education sessions
• Weekly catered lunches and fully stocked kitchen pantries
• Community-based volunteering opportunities