Entry Level Field Underwriter Jobs
New grad field underwriter jobs welcome recent graduates and entry level candidates with zero to two years of experience, where strong internship work or coursework in risk assessment can matter more than a long resume. Most openings are on-site roles across Insurance, Banking & Financial Services, and Electronics & Hardware, with employers like Risksmith Insurance Services, Risksmith Insurance Services, and Stewart Title hiring at this level now.
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Job Description and Requirements
We are currently seeking a talented Mortgage Underwriter to join our growing team. This will be a work from home position. All applicants must reside within the State of Texas and have the capability of performing all of the work from their home in Texas.
The Mortgage Underwriter will be responsible for underwriting mortgage loans and home equity loans ensuring compliance with appropriate portfolio and/or secondary market guidelines. They will examine loan documentation for accuracy and completeness and analyze and assess loan information to render an unbiased lending decision for credit worthiness. In addition, they will provide cross sell recommendations as warranted, maintain service level agreement turn-times, and refer loans outside of approving limits to management for approval.
Essential Functions & Responsibilities:
- Loan Application – Review for accuracy and completeness. Provide Loan Officers and Processors feedback for training purposes.
- Title – Review title commitments/searches to ensure vesting matches the loan.
- Credit Analysis – Analyze the borrower’s willingness and ability to repay the mortgage debt. This includes review of credit reports, income verification, tax return analysis and consideration of other compensating factors.
- Appraisal - Evaluate appraisal or other valuation methodology to determine suitability for loan collateral. Assist with resolving appraisal review concerns when warranted.
- Compliance – Ensure all fair lending and mortgage regulatory policies are followed. All other duties as assigned (note: essential functions and responsibilities may change or new ones may be assigned at any time with or without notice).
Requirements:
- High School Diploma/GED
- 1-3 years of job related work experience
- Proficient analytical skills and mortgage lending regulation knowledge
- Excellent verbal and written communication skills
- Strong organizational skills to perform multiple tasks
- Ability to meet production, quality and service standards along with providing coaching and feedback to ensure loan quality
- Demonstrated experience in real estate lending regulations including but not limited to TILA, RESPA, HMDA, ECOA and Flood Disaster Protection Act
- Working knowledge of Fannie Mae Desktop Underwriting and PMI underwriting guidelines
- Home Equity Lending experience
- Capable and experienced in manual credit risk evaluation Experience with Microsoft applications and Internet navigation
Preferred:
- Underwriting designations such as CRU, ARU, DE or SAR
- Experience with Encompass LOS Some College/Associate's Degree
All qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, disability, veteran status, or other legally protected status.
Job Description and Requirements
We are currently seeking a talented Mortgage Underwriter to join our growing team. This will be a work from home position. All applicants must reside within the State of Texas and have the capability of performing all of the work from their home in Texas.
The Mortgage Underwriter will be responsible for underwriting mortgage loans and home equity loans ensuring compliance with appropriate portfolio and/or secondary market guidelines. They will examine loan documentation for accuracy and completeness and analyze and assess loan information to render an unbiased lending decision for credit worthiness. In addition, they will provide cross sell recommendations as warranted, maintain service level agreement turn-times, and refer loans outside of approving limits to management for approval.
Essential Functions & Responsibilities:
- Loan Application – Review for accuracy and completeness. Provide Loan Officers and Processors feedback for training purposes.
- Title – Review title commitments/searches to ensure vesting matches the loan.
- Credit Analysis – Analyze the borrower’s willingness and ability to repay the mortgage debt. This includes review of credit reports, income verification, tax return analysis and consideration of other compensating factors.
- Appraisal - Evaluate appraisal or other valuation methodology to determine suitability for loan collateral. Assist with resolving appraisal review concerns when warranted.
- Compliance – Ensure all fair lending and mortgage regulatory policies are followed. All other duties as assigned (note: essential functions and responsibilities may change or new ones may be assigned at any time with or without notice).
Requirements:
- High School Diploma/GED
- 1-3 years of job related work experience
- Proficient analytical skills and mortgage lending regulation knowledge
- Excellent verbal and written communication skills
- Strong organizational skills to perform multiple tasks
- Ability to meet production, quality and service standards along with providing coaching and feedback to ensure loan quality
- Demonstrated experience in real estate lending regulations including but not limited to TILA, RESPA, HMDA, ECOA and Flood Disaster Protection Act
- Working knowledge of Fannie Mae Desktop Underwriting and PMI underwriting guidelines
- Home Equity Lending experience
- Capable and experienced in manual credit risk evaluation Experience with Microsoft applications and Internet navigation
Preferred:
- Underwriting designations such as CRU, ARU, DE or SAR
- Experience with Encompass LOS Some College/Associate's Degree
All qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, disability, veteran status, or other legally protected status.
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Find JobsEntry Level Field Underwriter Job Market
Who's Hiring
- Risksmith Insurance Services60
- Stewart Title3
- LBC Mortgage2
- Chubb Insurance2
Top Industries Hiring
- Insurance80
- Banking & Financial Services5
- Electronics & Hardware1
- Healthcare & Medical Services1
Entry Level Field Underwriter Jobs: Frequently Asked Questions
How do I get an entry level field underwriter job?
Start by building familiarity with property inspection, risk evaluation, and insurance principles through coursework, internships, or entry level insurance roles. Employers hiring at this stage look for candidates who can demonstrate attention to detail, comfort with field work, and basic knowledge of underwriting guidelines. A licensing exam like the property and casualty (P&C) credential can give you a concrete edge over other new applicants.
Which companies hire entry level field underwriters?
Companies hiring entry level field underwriters right now include Risksmith Insurance Services, Risksmith Insurance Services, and Stewart Title, based on current listings on Migrate Mate as of November 2026. Regional carriers, national insurance groups, and specialty underwriting firms tend to be the most active at this experience level, often hiring into structured training programs designed for candidates new to the field.
Are there remote entry level field underwriter jobs?
Yes, though most field underwriter roles involve some on-site inspection work by nature. About 17% of entry level field underwriter openings are remote or hybrid as of November 2026, typically covering desk-based underwriting support or file review functions rather than physical property assessments. Hybrid arrangements that combine remote work with periodic field visits are becoming more common at the entry level.
Are these new grad field underwriter jobs?
Yes, many of these openings are new grad and junior roles that welcome recent graduates and candidates with little or no prior underwriting experience. A new grad friendly posting typically welcomes zero to two years of experience, accepts internship or co-op work in lieu of full-time history, and may consider a strong academic background in finance, business, or a related field as a substitute for a lengthy resume.
Which industries hire the most entry level field underwriters?
Entry Level field underwriter roles concentrate in Insurance, Banking & Financial Services, and Electronics & Hardware, based on current listings on Migrate Mate as of November 2026. These sectors drive consistent hiring at the entry level because they deal with high volumes of property risk assessments, policy renewals, and new business underwriting that benefit from dedicated junior staff learning the inspection and evaluation process.