Green Card Commercial Underwriter Jobs
Commercial Underwriter green card sponsorship follows the EB-2 or EB-3 employment-based path, requiring your employer to complete PERM labor certification with the DOL before filing an I-140 petition. Insurance carriers, reinsurers, and specialty risk firms regularly sponsor underwriters for permanent residency, particularly for roles in commercial lines where specialized credentials are hard to source domestically.
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Get Access To All JobsJob Description
The Sr. Commercial Real Estate Underwriter is responsible for performing financial statement spreading, underwriting and credit analysis to support commercial lending and commercial loan portfolio management activities. The Sr. Commercial Real Estate Underwriter will be focused on completing credit memos representing new money requests to new and existing Borrowers. The Sr. Commercial Real Estate Underwriter may also support the Portfolio Management team by completing annual reviews, renewals, change memos and modifications.
Essential Functions
- Prepare timely, high quality credit analysis and recommendations that accurately and thoroughly evaluate the strengths and weaknesses associated with credit actions.
- Engage in the Opportunity Memo process, assessing the strengths and weaknesses of credits and finalizing Opportunity Memos for presentation. Actively participate on OM calls.
- Effectively analyze financial statements and related data, industry risk, loan structure and market conditions to assess the overall creditworthiness and repayment ability of borrowers.
- Utilize financial spreading software as well as other financial analysis tools to evaluate borrower’s cash flow and determine adequacy of the borrower’s primary and secondary repayment sources.
- Conduct underwriting, identify credit risks, analyze repayment capacity and prepare collateral coverage and present in a narrative format within credit memos or modifications to support requests for new money, renewals, annual reviews and modifications.
- Work within the guidance of the credit approval team to recommend appropriate credit structuring, documentation, and risk controls on credit requests.
- Assist in determining the appropriate level of underwriting and due diligence for the credit’s risk profile.
- Complete underwriting tasks within expected service level and turnaround times.
- Participate in business calls with commercial lending and credit administration teams.
- Maintain a working knowledge of macroeconomic issues in local markets and regional industries.
- Maintain data integrity with the underwriting platform to ensure accurate record of credit relationships.
- Responsible for all compliance and audit-related matters in area of responsibility.
- Remain current on all banking rules and regulations relating to Credit Administration, Commercial Lending and Appraisals.
- Identify policy exceptions for credit requests consistent with the Bank’s Commercial Credit Policy.
- Monitor, develop, and suggest revisions to workflows and procedures as necessary to enhance efficiency and minimize expenses.
- Identify potential for credit losses and mitigate risk appropriately.
- Utilize risk rating models to accurately determine risk ratings for credit requests.
- Prioritize assignments with guidance from the Commercial Credit Managers.
- Evaluate the financial condition of guarantors through the effective analysis of personal financial statements and personal tax returns.
- Perform loan covenant testing calculations and update covenant compliance records.
- Complete education, as identified or assigned, provides expertise in loan underwriting, loan structuring, and overall professional development.
- Develop business writing and professional communication skills.
- Review loan documentation to confirm accuracy.
- Perform other related duties and/or projects as assigned.
- Serve, when requested, on special teams and projects.
- Provide educational training and support for new analysts.
- Ensure compliance with Northwest’s policies and procedures, and Federal/State regulations.
- Navigate Microsoft Office Software, computer applications, and software specific to the department to maximize technology tools and gain efficiency.
- Work as part of a team.
- Work with on-site equipment.
Education And Experience
- Bachelor’s degree in business administration, management, accounting, finance or other related discipline.
- 3 - 5 years relevant commercial lending or credit administration experience, specifically related to C&I lending.
- Formal credit training a plus.
The pay range for this position is generally $61,500 to $110,000 annually plus bonus. Actual pay is based on various factors including but not limited to the successful candidate’s experience, skills, and knowledge.
This position is onsite Monday - Thursday. Fridays are an optional work from home day.
Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.
Job Description
The Sr. Commercial Real Estate Underwriter is responsible for performing financial statement spreading, underwriting and credit analysis to support commercial lending and commercial loan portfolio management activities. The Sr. Commercial Real Estate Underwriter will be focused on completing credit memos representing new money requests to new and existing Borrowers. The Sr. Commercial Real Estate Underwriter may also support the Portfolio Management team by completing annual reviews, renewals, change memos and modifications.
Essential Functions
- Prepare timely, high quality credit analysis and recommendations that accurately and thoroughly evaluate the strengths and weaknesses associated with credit actions.
- Engage in the Opportunity Memo process, assessing the strengths and weaknesses of credits and finalizing Opportunity Memos for presentation. Actively participate on OM calls.
- Effectively analyze financial statements and related data, industry risk, loan structure and market conditions to assess the overall creditworthiness and repayment ability of borrowers.
- Utilize financial spreading software as well as other financial analysis tools to evaluate borrower’s cash flow and determine adequacy of the borrower’s primary and secondary repayment sources.
- Conduct underwriting, identify credit risks, analyze repayment capacity and prepare collateral coverage and present in a narrative format within credit memos or modifications to support requests for new money, renewals, annual reviews and modifications.
- Work within the guidance of the credit approval team to recommend appropriate credit structuring, documentation, and risk controls on credit requests.
- Assist in determining the appropriate level of underwriting and due diligence for the credit’s risk profile.
- Complete underwriting tasks within expected service level and turnaround times.
- Participate in business calls with commercial lending and credit administration teams.
- Maintain a working knowledge of macroeconomic issues in local markets and regional industries.
- Maintain data integrity with the underwriting platform to ensure accurate record of credit relationships.
- Responsible for all compliance and audit-related matters in area of responsibility.
- Remain current on all banking rules and regulations relating to Credit Administration, Commercial Lending and Appraisals.
- Identify policy exceptions for credit requests consistent with the Bank’s Commercial Credit Policy.
- Monitor, develop, and suggest revisions to workflows and procedures as necessary to enhance efficiency and minimize expenses.
- Identify potential for credit losses and mitigate risk appropriately.
- Utilize risk rating models to accurately determine risk ratings for credit requests.
- Prioritize assignments with guidance from the Commercial Credit Managers.
- Evaluate the financial condition of guarantors through the effective analysis of personal financial statements and personal tax returns.
- Perform loan covenant testing calculations and update covenant compliance records.
- Complete education, as identified or assigned, provides expertise in loan underwriting, loan structuring, and overall professional development.
- Develop business writing and professional communication skills.
- Review loan documentation to confirm accuracy.
- Perform other related duties and/or projects as assigned.
- Serve, when requested, on special teams and projects.
- Provide educational training and support for new analysts.
- Ensure compliance with Northwest’s policies and procedures, and Federal/State regulations.
- Navigate Microsoft Office Software, computer applications, and software specific to the department to maximize technology tools and gain efficiency.
- Work as part of a team.
- Work with on-site equipment.
Education And Experience
- Bachelor’s degree in business administration, management, accounting, finance or other related discipline.
- 3 - 5 years relevant commercial lending or credit administration experience, specifically related to C&I lending.
- Formal credit training a plus.
The pay range for this position is generally $61,500 to $110,000 annually plus bonus. Actual pay is based on various factors including but not limited to the successful candidate’s experience, skills, and knowledge.
This position is onsite Monday - Thursday. Fridays are an optional work from home day.
Northwest is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.
See all 262+ Green Card Commercial Underwriter Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new Green Card Commercial Underwriter Jobs.
Get Access To All JobsTips for Finding Green Card Sponsorship in Commercial Underwriter
Document your specialty lines credentials early
Gather your CPCU, AU, or CU designations and organize portfolio documentation showing the commercial lines you've underwritten. PERM requires your employer to demonstrate your qualifications match a specifically defined role, so credential gaps surface late and cause delays.
Target carriers with dedicated immigration programs
Large commercial insurers and specialty markets file PERM applications regularly for underwriting roles. Use Migrate Mate to search employers with verified green card sponsorship history in underwriting, so you're applying where infrastructure already exists rather than asking an employer to build it.
Align your resume to DOL prevailing wage tiers
Your employer's PERM filing locks in a wage level tied to your experience and geography. Use the OFLC Wage Search to understand which wage tier your experience supports before accepting an offer, since a Level I filing for a senior role creates compliance risk during DOL audit.
Understand how EB-2 versus EB-3 affects your timeline
If you hold a bachelor's degree plus five or more years of progressive commercial underwriting experience, your employer may qualify you for EB-2 rather than EB-3. Your country of birth, not citizenship, determines your priority date backlog, so check the monthly Visa Bulletin before choosing a category.
Clarify the job description before PERM is filed
PERM locks the minimum requirements for your role permanently. If your employer lists a master's degree as required when it's only preferred, that definition follows the case through I-140 and adjustment. Review the draft job description carefully and confirm it reflects what the role actually requires.
Preserve your priority date if you change employers
Once your original employer's I-140 is approved, your priority date can carry over to a new employer's petition under AC21 portability. If your I-485 has been pending 180 days or more, you can also move to a same or similar occupation without restarting the green card process from scratch.
Green Card Commercial Underwriter: Frequently Asked Questions
Which green card category typically applies to Commercial Underwriters?
Most employers file under EB-3 for professionals with a bachelor's degree in finance, business, or a related field. If you hold a master's degree or a bachelor's degree plus five years of progressive commercial underwriting experience, your employer may instead file under EB-2. The applicable category affects your priority date and, depending on your country of birth, your wait time in the queue.
How does green card sponsorship differ from H-1B sponsorship for underwriting roles?
H-1B visa grants temporary work authorization in two- or three-year increments and requires annual renewal. Green card sponsorship through PERM, I-140, and adjustment of status leads to permanent residency with no renewal requirement. The PERM process also requires your employer to conduct a formal recruitment test proving no qualified U.S. workers are available, a step that does not exist in H-1B filings.
How long does the PERM labor certification process take for underwriting jobs?
DOL does not publish fixed timelines, and processing periods fluctuate with application volume. The recruitment phase alone typically runs 60 to 90 days before your employer can submit the ETA 9089 to DOL. After submission, DOL review can take several additional months. Audits, which DOL selects randomly, extend the timeline further and require your employer to produce full recruitment documentation.
Where can I find employers who sponsor green cards for Commercial Underwriter roles?
Migrate Mate lists U.S. employers with verified employment-based green card sponsorship history, searchable by role and location. This lets you identify insurers and specialty carriers that have already filed PERM applications for underwriting positions, rather than applying broadly and asking each employer to initiate a process they may not have handled before.
Can I switch employers after my employer files my green card petition?
Yes, under two distinct rules. If your I-140 petition has been approved, your priority date can carry over to a new employer's petition, so you don't lose your place in the queue. If your I-485 adjustment has been pending for 180 days or more, AC21 portability lets you move to a same or similar occupation without invalidating your pending green card case.