Credit Underwriter Jobs
Credit Underwriter jobs are open across banking, mortgage lending, insurance, fintech, and commercial finance, from entry-level analyst to senior and principal roles, with specializations in consumer credit, commercial real estate, and structured lending. See the openings below and apply to the ones that match your experience.
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Showing 5 of 65+ Credit Underwriter jobs
Please note: The person who fills this role will train/work in one of the local offices listed in the posting. After training they will be allowed to work a hybrid schedule of 3 days in the office and 2 days at home if desired.
The shift is Monday - Friday, approx. 8:30 am - 5:00 pm ET. (hours in other time zones may be adjusted)
This position is available for US based applicants only.
- Researches and completes write-ups of client condition and operating results on financial and credit information, and existing contracts to address client financial viability and credit worthiness to mitigate risk.
- Researches guarantor's various financial and other related documents, such as individual tax returns, Equifax reports and personal financial statements to determine financial viability and credit worthiness of applicant.
- Researches accounts receivable information for aging, concentration, and end debtors to determine financial viability and credit worthiness based on available financial and credit information.
- Builds initial collateral file to be used during the credit approval process of a new client.
- Reviews client and individual applications for completeness of information.
- Ensures completeness and accuracy of all information included in the Client Approval Memorandum.
- Guides and assists Sales team in process for collecting necessary information needed to qualify leads.
- Assists Sales team as needed with deal structures and contract terms.
- Bachelor's Degree in Finance or related field - Preferred
- Comparable work experience.
- Understanding of basic finance and credit practices.
- Requires ability to analyze data and understand business significance.
- Act with uncompromising integrity.
- Provide outstanding service and build trusted relationships.
- Drive innovation in our products and services and continually improve our processes.
- Work in partnership and support each other.
- Be personally accountable and deliver on commitments.
- Treat each other with respect and dignity.
- We value your well-being: We provide over 21 comprehensive rewards, including medical coverage, virtual wellness classes, tuition reimbursement, 401(k) + employer match, adoption assistance, financial assistance, and much more.
- We value your time: From paid time off to company holidays, culture days, and comprehensive work-life balance programs, we will ensure you have the flexibility you need to be your best.
- We value your development: Our award-winning training and development programs empower our employees with ongoing learning opportunities to give you the building blocks to grow your career.
- We value your perspective: Our company culture reflects the diversity of our employees. We want you to be you and your voice to be heard.
- We value our communities: We offer paid time off for volunteerism and promote many company-wide and local initiatives that benefit organizations you care about.
Note: The benefits described apply to full-time employees. Benefits for part-time, contract, and intern roles may vary.
Not sure if you meet every requirement?: At Paychex, we know that great talent comes in many forms. If you're passionate about the role but don't check every box, we still encourage you to apply. You might be the right fit - either for this position or another opportunity with us.
Paychex is an equal opportunity employer. We are committed to fostering a respectful and inclusive workplace where all individuals are treated fairly and evaluated based on their qualifications, experience, and merit. We comply with all applicable federal, state, and local laws prohibiting discrimination in employment.
Please note: The person who fills this role will train/work in one of the local offices listed in the posting. After training they will be allowed to work a hybrid schedule of 3 days in the office and 2 days at home if desired.
The shift is Monday - Friday, approx. 8:30 am - 5:00 pm ET. (hours in other time zones may be adjusted)
This position is available for US based applicants only.
- Researches and completes write-ups of client condition and operating results on financial and credit information, and existing contracts to address client financial viability and credit worthiness to mitigate risk.
- Researches guarantor's various financial and other related documents, such as individual tax returns, Equifax reports and personal financial statements to determine financial viability and credit worthiness of applicant.
- Researches accounts receivable information for aging, concentration, and end debtors to determine financial viability and credit worthiness based on available financial and credit information.
- Builds initial collateral file to be used during the credit approval process of a new client.
- Reviews client and individual applications for completeness of information.
- Ensures completeness and accuracy of all information included in the Client Approval Memorandum.
- Guides and assists Sales team in process for collecting necessary information needed to qualify leads.
- Assists Sales team as needed with deal structures and contract terms.
- Bachelor's Degree in Finance or related field - Preferred
- Comparable work experience.
- Understanding of basic finance and credit practices.
- Requires ability to analyze data and understand business significance.
- Act with uncompromising integrity.
- Provide outstanding service and build trusted relationships.
- Drive innovation in our products and services and continually improve our processes.
- Work in partnership and support each other.
- Be personally accountable and deliver on commitments.
- Treat each other with respect and dignity.
- We value your well-being: We provide over 21 comprehensive rewards, including medical coverage, virtual wellness classes, tuition reimbursement, 401(k) + employer match, adoption assistance, financial assistance, and much more.
- We value your time: From paid time off to company holidays, culture days, and comprehensive work-life balance programs, we will ensure you have the flexibility you need to be your best.
- We value your development: Our award-winning training and development programs empower our employees with ongoing learning opportunities to give you the building blocks to grow your career.
- We value your perspective: Our company culture reflects the diversity of our employees. We want you to be you and your voice to be heard.
- We value our communities: We offer paid time off for volunteerism and promote many company-wide and local initiatives that benefit organizations you care about.
Note: The benefits described apply to full-time employees. Benefits for part-time, contract, and intern roles may vary.
Not sure if you meet every requirement?: At Paychex, we know that great talent comes in many forms. If you're passionate about the role but don't check every box, we still encourage you to apply. You might be the right fit - either for this position or another opportunity with us.
Paychex is an equal opportunity employer. We are committed to fostering a respectful and inclusive workplace where all individuals are treated fairly and evaluated based on their qualifications, experience, and merit. We comply with all applicable federal, state, and local laws prohibiting discrimination in employment.
See All 65 Credit Underwriter Jobs
Find roles that match your experience and apply in just a few clicks.
Find Credit Underwriter JobsCredit Underwriter Job Market
Who's Hiring
- Bank of America16
- BOK Financial4
- Prosperity Bank3
- Paychex2
- Bluestone Bank2
Top Industries Hiring
- Banking & Financial Services
What Employers Look For
The qualifications that appear most often in credit underwriter jobs.
- Bachelor's degree in finance, accounting, economics, or a related field
- Experience analyzing financial statements, tax returns, and credit bureau reports
- Proficiency with loan origination systems and credit decisioning platforms
- Knowledge of regulatory guidelines including ECOA, Fair Lending, and Basel standards
- Strong written communication skills for drafting credit memos and approval rationales
- Experience with risk rating models and portfolio monitoring tools
Tips for Your Credit Underwriter Job Search
Tailor your resume to credit type
Consumer credit, commercial lending, and mortgage underwriting each use different risk frameworks and tools. Customize your resume for each opening by naming the credit products you've actually underwritten, the decisioning systems you've used, and the portfolio types you've analyzed.
Highlight your credit analysis metrics
Hiring managers want to see the scale of your work. Quantify the dollar volume of applications you reviewed, the delinquency rates you helped manage, or the approval accuracy you maintained. Vague statements about 'reviewing applications' get passed over quickly.
Earn a CFA or credit-specific certification
If you're competing for mid-to-senior roles, a National Association of Credit Management (NACM) designation or progress toward the CFA signals you're serious about credit risk as a discipline, not just a stepping stone. Employers in commercial lending notice these credentials.
Apply early to roles that fit
Migrate Mate lists credit underwriter openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Target job titles beyond underwriter
Many credit underwriter roles are posted under titles like credit analyst, loan officer, risk underwriter, or credit review officer. Search those variations to surface openings that match your experience but wouldn't appear in a narrow title search.
Prepare a sample credit memo for interviews
Many hiring processes for credit underwriters include a written case study or technical screen. Practicing a full credit memo, with obligor analysis, risk rating rationale, and a clear approval or decline recommendation, will set you apart from candidates who only review theory.
Credit Underwriter Jobs: Frequently Asked Questions
Which companies are hiring the most credit underwriters?
Bank of America, BOK Financial, and Prosperity Bank are hiring the most credit underwriters right now, with openings concentrated in Texas, New York, and California, based on current listings on Migrate Mate as of November 2026. Volume tends to track with mortgage origination cycles and commercial lending activity, so hiring at any given lender can shift quickly.
How many credit underwriter jobs are remote?
About 62% of credit underwriter openings are fully remote or hybrid as of November 2026, with consumer credit and fintech roles offering the most flexibility. Commercial real estate and SBA underwriting positions are more likely to require on-site work, often because of document review requirements and direct collaboration with relationship managers.
How do you become a credit underwriter?
Start with a degree in finance, accounting, or economics, then build foundational skills in financial statement analysis, credit scoring models, and lending regulations. Entry-level credit analyst or loan processor roles are common starting points. From there, underwriting experience accumulates through hands-on file review, mentorship from senior underwriters, and familiarity with industry decisioning tools.
Can you get a credit underwriter job with little or no experience?
Yes, many lenders hire into entry-level credit analyst or junior underwriter roles where you learn the full underwriting process on the job. Internships at banks, credit unions, or mortgage companies build the file-review experience that matters. A strong grasp of financial statement basics and familiarity with credit bureau reports gives you a credible foundation even without prior underwriting titles.
What does the credit underwriter interview process look like?
Most credit underwriter interviews include a recruiter screen, a hiring manager conversation focused on your credit analysis background, and a technical stage where you analyze a sample borrower file or complete a written credit memo. Some employers add a panel interview with senior risk or portfolio management staff. Be ready to walk through your underwriting logic and explain how you reached approval or decline decisions.
Where can I find and apply to credit underwriter jobs?
You can find and apply to credit underwriter jobs on Migrate Mate, which lists current openings from across the United States. Search for roles that match your credit specialty and experience level, then apply directly to each listing that fits.
See All 65 Credit Underwriter Jobs
Find roles that match your experience and apply in just a few clicks.
Find Credit Underwriter Jobs