E-3 Visa Underwriter Jobs
Underwriter roles qualify for E-3 visa sponsorship when the position requires a bachelor's degree in finance, actuarial science, or a related field. Australian professionals in commercial, life, or specialty lines underwriting can enter the U.S. market on the E-3 without competing in the H-1B lottery, with two-year renewable status tied to your employer.
See All Underwriter JobsOverview
Showing 5 of 105+ Underwriter jobs
Have you applied for this role?
Have you applied for this role?
Have you applied for this role?
Have you applied for this role?
Have you applied for this role?
See all 105+ Underwriter jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new Underwriter roles.
Get Access To All JobsJob Req Id:
26952155
Location(s):
Irving, Texas, United States
Job Type:
Hybrid
Posted:
Apr. 15, 2026
Discover your future at Citi
Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.
Job Overview
Citi’s US Commercial Bank (CCB) is a rapidly growing business, targeting emerging, mid- and larger-sized companies with annual revenue generally from $100 million to $3 billion with greater than $10MM of credit exposure. To facilitate the CCB’s wholesale lending activities, Commercial Lending Management (CLM) serves as an in-business credit function organized around our strategic industries and global target market approach. CLM plays a critical role of the client delivery model for the CCB, translating thought-leadership, industry and product expertise, and an end-to-end ownership of the credit relationship into best-in-class lending solutions. We are seeking a dynamic and motivated credit professional to join the US CLM Services team. The position reports directly to the US CLM Industrials Sub-Sector Head.
The CLM Credit Officer facilitates the end-to-end lending process for a covered industry vertical through a team of credit professionals. CLM is essential for the delivery of a wide range of financial solutions to Citi CCB clients, working in direct partnership with Relationship Managers and Independent Risk, to execute on the firm’s and client’s business objectives. This can include working capital solutions, term loans and M&A financing, treasury and liquidity management services, foreign exchange, trade finance and interest rate derivatives. The primary responsibilities of CLM include credit underwriting, due diligence, structuring and documentation, and portfolio monitoring. As part of the business and in direct partnership with relationship coverage bankers, CLM teams provide thorough, objective analysis of the financial condition and credit worthiness of borrowers, including prevailing covered industry sector and product/market conditions, as well as the appropriate credit structure based on various risk considerations.
The CLM Credit Officer is responsible for approving and managing a material amount of credit risk associated with capital deployed across a variety of lending products appropriate for commercial banking relationships. The CLM Credit Officer is a critical partner in the pre-screening of pipeline opportunities with Relationship Management for assessing credit appetite and identifying key issues, providing structuring input on financing options, driving internal analytical work product and discussions on credit approvals, and maintain ongoing credit oversight of the lending portfolio relationships through quarterly and/or annual reviews along with covenant and other reporting monitoring, as applicable. The assigned industry/specialty vertical requires extensive knowledge of the unique sector/product drivers and key performance indicators to make well-informed credit underwriting decisions and proactively manage the portfolio based on a dynamic environment. The CLM Credit Officer provides sector and sub-segment insights for key internal and external stakeholders, contributes to industry-specific risk and portfolio content, including industry-level portfolio reviews, and leads the credit-specific risk assessments on new originations and portfolio requests.
The CLM Credit Officer role also requires an extensive understanding of various Citi and CCB-specific credit policies, processes, and procedures, and how to apply these concepts consistently in practice, including ensuring the portfolio is appropriately risk-rated and classified, properly secured (if applicable) and that early warning signs are established and proactively addressed. CLM represents a critical “first line of defense” control function for the bank, ensuring the CCB's credit process is conducted in accordance with all internal and regulatory frameworks, and is responsive to relevant inquiries. The CLM Credit Officer plays an important role in meeting a high standard for owning the work product of their respective portfolio and represent their covered accounts in numerous highly visible forums. A Credit Officer can advise or lead strategic projects for US or Global CLM initiatives and provide critical inputs that direct the future of credit formation within the CCB. Additionally, the CLM Credit Officer identifies, creates and helps to deliver the necessary technical skills training to various teams across CCB to promote the development and application of credit skills, mentoring/managing junior and other support staff.
Key Responsibilities
- Facilitate the end-to-end lending process within the US CCB for the assigned relationships and portfolio
- Knowledgeable of assigned portfolio and industry, and able to articulate and support a credit view based on well-supported analysis that effectively balances risk and business objectives
- Ensure appropriate regulatory classification and minimizing net credit losses for covered portfolio, as well as identify emerging areas of concerns that should be escalated
- Provide accountability for decisioning using credit covering approval authority in tandem with Independent Risk
- Directly manage the analysis and workflow of underwriting requests for new-to-bank and existing credit relationships, including pre-screening opportunities, facilitate amendments and extensions, perform annual reviews and other credit requests, including the related diligence
- Lead the timely analysis and preparation of monthly and/or quarterly financial memo reviews of existing borrowers to track compliance with loan covenants, raising potential concerns and taking necessary actions in partnership with other key stakeholders for the assigned portfolio
- Direct and supervise the loan documentation process for both new transactions and amendments or modifications; including coordination with internal partners and/or outside legal counsel to ensure that all credit approval terms and conditions are appropriately represented in the closing documents
- Conduct periodic client calls on all portfolio clients and select new to bank opportunities in partnership with the Relationship Manager
- Develop and maintain an extensive knowledge in the various credit products and services offered to CCB clients
- Mentor and develop junior staff to become effective resources and future Credit Officers and Bankers
- Recommend changes to improve existing processes to achieve greater efficiency and controls
- Work proactively, and in a constructive and diplomatic manner, with internal and external stakeholders to keep transactions moving forward and in accordance with appropriate controls
Qualifications:
- 6-10 years previous credit authority experience. Prior experience working in a regulatory and compliance policy environment
- Proven analytical skills including the ability to understand and assess individual and company financial statements, cash flow, industry/competitive analysis and projections; including complicated business structures with foreign subsidiaries and/or parent organizations.
- Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process
- Excellent organizational skills, prioritizing capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced environment
- Effective inter-personal and written/verbal communication skills
- Thorough problem recognition and resolution skills
- Pro-active disposition with ability to work autonomously and within a team
- Proficient in various spreadsheet and word processing applications (Excel and Word), including the use of graphs and charts and financial analysis software
- Typically deals with complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting needs.
- Requires good analytical skills in order to filter, prioritize and validate potentially complex material from multiple sources.
- Exercises wide degree of latitude and discretion.
- Significant impact on the area through complex deliverables.
- Provides advice and counsel related to the technology or operations of the business.
- Work impacts an entire area, which eventually affects the overall performance and effectiveness of the sub-function/job family.
Education:
- Bachelor’s/University degree, Master’s degree preferred
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
Job Family Group:
Risk Management
Job Family:
Credit Risk
Time Type:
Full time
Primary Location:
Irving Texas United States
Primary Location Full Time Salary Range:
$114,720.00 - $172,080.00
In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.
Most Relevant Skills
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
Anticipated Posting Close Date:
Apr 22, 2026
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.
View Citi’s EEO Policy Statement and the Know Your Rights poster.
Job Req Id:
26952155
Location(s):
Irving, Texas, United States
Job Type:
Hybrid
Posted:
Apr. 15, 2026
Discover your future at Citi
Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you’ll have the opportunity to grow your career, give back to your community and make a real impact.
Job Overview
Citi’s US Commercial Bank (CCB) is a rapidly growing business, targeting emerging, mid- and larger-sized companies with annual revenue generally from $100 million to $3 billion with greater than $10MM of credit exposure. To facilitate the CCB’s wholesale lending activities, Commercial Lending Management (CLM) serves as an in-business credit function organized around our strategic industries and global target market approach. CLM plays a critical role of the client delivery model for the CCB, translating thought-leadership, industry and product expertise, and an end-to-end ownership of the credit relationship into best-in-class lending solutions. We are seeking a dynamic and motivated credit professional to join the US CLM Services team. The position reports directly to the US CLM Industrials Sub-Sector Head.
The CLM Credit Officer facilitates the end-to-end lending process for a covered industry vertical through a team of credit professionals. CLM is essential for the delivery of a wide range of financial solutions to Citi CCB clients, working in direct partnership with Relationship Managers and Independent Risk, to execute on the firm’s and client’s business objectives. This can include working capital solutions, term loans and M&A financing, treasury and liquidity management services, foreign exchange, trade finance and interest rate derivatives. The primary responsibilities of CLM include credit underwriting, due diligence, structuring and documentation, and portfolio monitoring. As part of the business and in direct partnership with relationship coverage bankers, CLM teams provide thorough, objective analysis of the financial condition and credit worthiness of borrowers, including prevailing covered industry sector and product/market conditions, as well as the appropriate credit structure based on various risk considerations.
The CLM Credit Officer is responsible for approving and managing a material amount of credit risk associated with capital deployed across a variety of lending products appropriate for commercial banking relationships. The CLM Credit Officer is a critical partner in the pre-screening of pipeline opportunities with Relationship Management for assessing credit appetite and identifying key issues, providing structuring input on financing options, driving internal analytical work product and discussions on credit approvals, and maintain ongoing credit oversight of the lending portfolio relationships through quarterly and/or annual reviews along with covenant and other reporting monitoring, as applicable. The assigned industry/specialty vertical requires extensive knowledge of the unique sector/product drivers and key performance indicators to make well-informed credit underwriting decisions and proactively manage the portfolio based on a dynamic environment. The CLM Credit Officer provides sector and sub-segment insights for key internal and external stakeholders, contributes to industry-specific risk and portfolio content, including industry-level portfolio reviews, and leads the credit-specific risk assessments on new originations and portfolio requests.
The CLM Credit Officer role also requires an extensive understanding of various Citi and CCB-specific credit policies, processes, and procedures, and how to apply these concepts consistently in practice, including ensuring the portfolio is appropriately risk-rated and classified, properly secured (if applicable) and that early warning signs are established and proactively addressed. CLM represents a critical “first line of defense” control function for the bank, ensuring the CCB's credit process is conducted in accordance with all internal and regulatory frameworks, and is responsive to relevant inquiries. The CLM Credit Officer plays an important role in meeting a high standard for owning the work product of their respective portfolio and represent their covered accounts in numerous highly visible forums. A Credit Officer can advise or lead strategic projects for US or Global CLM initiatives and provide critical inputs that direct the future of credit formation within the CCB. Additionally, the CLM Credit Officer identifies, creates and helps to deliver the necessary technical skills training to various teams across CCB to promote the development and application of credit skills, mentoring/managing junior and other support staff.
Key Responsibilities
- Facilitate the end-to-end lending process within the US CCB for the assigned relationships and portfolio
- Knowledgeable of assigned portfolio and industry, and able to articulate and support a credit view based on well-supported analysis that effectively balances risk and business objectives
- Ensure appropriate regulatory classification and minimizing net credit losses for covered portfolio, as well as identify emerging areas of concerns that should be escalated
- Provide accountability for decisioning using credit covering approval authority in tandem with Independent Risk
- Directly manage the analysis and workflow of underwriting requests for new-to-bank and existing credit relationships, including pre-screening opportunities, facilitate amendments and extensions, perform annual reviews and other credit requests, including the related diligence
- Lead the timely analysis and preparation of monthly and/or quarterly financial memo reviews of existing borrowers to track compliance with loan covenants, raising potential concerns and taking necessary actions in partnership with other key stakeholders for the assigned portfolio
- Direct and supervise the loan documentation process for both new transactions and amendments or modifications; including coordination with internal partners and/or outside legal counsel to ensure that all credit approval terms and conditions are appropriately represented in the closing documents
- Conduct periodic client calls on all portfolio clients and select new to bank opportunities in partnership with the Relationship Manager
- Develop and maintain an extensive knowledge in the various credit products and services offered to CCB clients
- Mentor and develop junior staff to become effective resources and future Credit Officers and Bankers
- Recommend changes to improve existing processes to achieve greater efficiency and controls
- Work proactively, and in a constructive and diplomatic manner, with internal and external stakeholders to keep transactions moving forward and in accordance with appropriate controls
Qualifications:
- 6-10 years previous credit authority experience. Prior experience working in a regulatory and compliance policy environment
- Proven analytical skills including the ability to understand and assess individual and company financial statements, cash flow, industry/competitive analysis and projections; including complicated business structures with foreign subsidiaries and/or parent organizations.
- Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process
- Excellent organizational skills, prioritizing capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced environment
- Effective inter-personal and written/verbal communication skills
- Thorough problem recognition and resolution skills
- Pro-active disposition with ability to work autonomously and within a team
- Proficient in various spreadsheet and word processing applications (Excel and Word), including the use of graphs and charts and financial analysis software
- Typically deals with complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting needs.
- Requires good analytical skills in order to filter, prioritize and validate potentially complex material from multiple sources.
- Exercises wide degree of latitude and discretion.
- Significant impact on the area through complex deliverables.
- Provides advice and counsel related to the technology or operations of the business.
- Work impacts an entire area, which eventually affects the overall performance and effectiveness of the sub-function/job family.
Education:
- Bachelor’s/University degree, Master’s degree preferred
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
Job Family Group:
Risk Management
Job Family:
Credit Risk
Time Type:
Full time
Primary Location:
Irving Texas United States
Primary Location Full Time Salary Range:
$114,720.00 - $172,080.00
In addition to salary, Citi’s offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.
Most Relevant Skills
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
Anticipated Posting Close Date:
Apr 22, 2026
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.
View Citi’s EEO Policy Statement and the Know Your Rights poster.
See all 105+ Underwriter jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new Underwriter roles.
Get Access To All JobsTips for Finding E-3 Visa Sponsorship as an Underwriter
Align your credentials to specialty occupation standards
USCIS requires your degree field to match the underwriting role. A finance or actuarial science degree maps cleanly, but a general business degree may need supporting evidence like professional certifications or a detailed employer explanation of the degree requirement.
Target insurers with established E-3 hiring pipelines
Large commercial carriers, reinsurers, and Lloyd's syndicates with U.S. operations have sponsored E-3 workers before and know the LCA process. Smaller MGAs may be willing but will need guidance on their DOL filing obligations before extending an offer.
Use Migrate Mate to find and file your E-3
Search Underwriter roles with confirmed E-3 sponsorship on Migrate Mate, then use Migrate Mate's E-3 filing service to handle your LCA and visa paperwork from offer acceptance through your consulate appointment in Sydney, Melbourne, or Perth.
Get your Australian qualifications formally evaluated early
Your three-year Australian bachelor's degree is generally accepted as equivalent to a U.S. four-year degree, but having a credential evaluation letter ready removes friction when the employer's legal team asks about degree equivalency during LCA preparation.
Negotiate the DOL prevailing wage into your offer letter
Your employer's LCA must certify that your salary meets the DOL prevailing wage for your underwriting job code and work location. Make sure your offer letter reflects this figure before the LCA is submitted, or the DOL will reject the application.
Book your consulate appointment before your start date is set
E-3 consulate wait times in Australia fluctuate by location and season. Confirm your preferred consulate's appointment availability before you and your employer finalize a U.S. start date to avoid renegotiating your offer or taking unpaid leave.
Underwriter jobs are hiring across the US. Find yours.
Find Underwriter JobsUnderwriter E-3 Visa: Frequently Asked Questions
How do I find Underwriter jobs with E-3 visa sponsorship?
Migrate Mate is built specifically for Australian professionals searching for roles with E-3 sponsorship. Standard job boards don't filter by visa type, so you end up applying to roles where the employer has never sponsored an E-3 before. Migrate Mate surfaces Underwriter positions at employers already familiar with the E-3 process, which reduces the time spent educating hiring teams from scratch.
How much does it cost to get an E-3 visa?
Migrate Mate's E-3 filing service covers the entire process for $499, including the Labor Condition Application, visa document preparation, and consulate appointment guidance. Traditional immigration lawyers charge $2,000–$5,000+ for the same work. The E-3 has less paperwork than most work visas, so paying thousands for legal help is usually unnecessary.
Does an Underwriter role qualify as a specialty occupation for the E-3?
Underwriting generally qualifies as a specialty occupation because the role typically requires a bachelor's degree or higher in finance, actuarial science, economics, or a related field. USCIS looks at whether the specific position at the employer theoretically and practically requires that degree. Roles in commercial lines, life, or specialty underwriting with analytical complexity are well-supported. Generalist positions where any business degree qualifies may require additional documentation from the employer.
How does the E-3 compare to the H-1B for Underwriter roles?
The E-3 has no lottery and no annual numerical cap, so you can apply at any time of year and start work as soon as your visa is approved. The H-1B requires registration in March, lottery selection, and an October 1 start date. For an Underwriter with an active offer, the E-3 can compress the timeline from offer to employment by six months or more compared to the standard H-1B path.
Can I switch underwriting employers while on an E-3?
Yes, but the E-3 is employer-specific. Your current visa is tied to the employer named on your LCA and DS-160. When you change employers, the new employer must file a fresh LCA with the DOL and you'll need a new E-3 visa stamp, typically obtained at a consulate in Australia. You cannot use your existing visa to start working for a new employer without completing this process first.
See which Underwriter employers are hiring and sponsoring visas right now.
Search Underwriter Jobs