H-1B Visa Credit Underwriter Jobs
Credit Underwriter jobs at H-1B visa sponsoring employers require a bachelor's degree in finance, economics, or a related field, meeting the specialty occupation standard. Sponsoring employers file a certified LCA and I-129 petition before your start date, covering up to three years of status with extensions possible to six years.
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Get Access To All JobsINTRODUCTION
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.
Being a Great Place to Work and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates’ physical, emotional, and financial wellness through affordable, competitive and flexible benefits.
We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve.
Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs.
At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!
ROLE AND RESPONSIBILITIES
This job is responsible for supporting credit underwriting and monitoring for new and existing clients in partnership with a credit team. Key responsibilities include independently managing low-complexity transactions or portfolios, completing and reviewing credit analysis, evaluating risks, and writing financial analysis. Job expectations include leading the process, ensuring timely and accurate analysis, and coaching teammates on credit requirements.
This position is responsible for the delivery of integrated credit solutions to US State and Local governmental entities, including public higher education. Partner closely with client-facing teammates to consult on sales opportunities and provide the product expertise and consultation necessary to deliver the best possible solution to the client. Key responsibilities include underwriting and negotiating new transactions, partnering with client-facing teammates to consult on sales opportunities, and providing the product expertise to deliver effective client solutions. Proactively partners with client teams to plan key credit relationship strategy focusing on balance of risk and reward. Directly accountable for managing credit quality and the approval process through interaction with Risk Management Officers.
"Internal employees who are currently working from home are still eligible to apply. However, if selected for the role, you may be required to work onsite in accordance with the workplace excellence policy."
Responsibilities:
- Leads the credit analysis process with the support of other analysts and associates
- Partners with Credit Officers, Relationship Management, and Risk teammates to understand structuring needs and requirements
- Monitors operating performance and financial condition, proactively identifying issues and opportunities
- Assists in delivery of financial modeling, loan structure, industry, economic, and other analyses to team members to support the loan decision-making process
- Reviews work of junior teammates to provide feedback/coaching and ensure compliance with laws, rules, regulations and policy procedure
- May have primary coverage responsibility for a portfolio of clients with limited complexity and credit approval for certain credit actions
- Participate in loan structuring conversations and completion of loan documentation with internal/external legal partners
- Builds projection models for the client (as needed) based on historical performance, industry forecasts, and other due diligence findings
- Pre-screen new transactions for existing and new clients to determine credit worthiness and appropriate credit product solutions
- Analyzing US State and Local governmental entities’ financial statements
- Responsible for underwriting credit approval memoranda for mandated transactions, incorporating thorough credit analysis and due diligence
- Participates in ongoing documentation negotiations as required
BASIC QUALIFICATIONS
- 5+ years of experience in commercial banking, finance or credit ratings industries with significant municipal/public finance credit experience
- Experience in the analysis and structuring of complex transactions
- Strong credit and risk analysis skills
- Strong presentation, structuring and financial statement analysis skills
- Proven ability to analyze, interpret and negotiate third party documentation
- Proven ability to identify trends and emerging risks in underwriting and client selection
- Proficient Microsoft Office skills
PREFERRED QUALIFICATIONS
- Municipal / Public Finance Lending or Leasing Experience
- Undergraduate degree in finance, accounting or related field is preferred
SKILLS
- Attention to Detail
- Credit and Risk Assessment
- Financial Analysis
- Underwriting
- Written Communications
- Analytical Thinking
- Credit Documentation Requirements
- Financial Forecasting and Modeling
- Recording/Organizing Information
- Business Acumen
- Collaboration
- Collateral Management
- Loan Structuring
- Prioritization
SHIFT
1st shift (United States of America)
HOURS PER WEEK
40
INTRODUCTION
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.
Being a Great Place to Work and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates’ physical, emotional, and financial wellness through affordable, competitive and flexible benefits.
We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve.
Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs.
At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!
ROLE AND RESPONSIBILITIES
This job is responsible for supporting credit underwriting and monitoring for new and existing clients in partnership with a credit team. Key responsibilities include independently managing low-complexity transactions or portfolios, completing and reviewing credit analysis, evaluating risks, and writing financial analysis. Job expectations include leading the process, ensuring timely and accurate analysis, and coaching teammates on credit requirements.
This position is responsible for the delivery of integrated credit solutions to US State and Local governmental entities, including public higher education. Partner closely with client-facing teammates to consult on sales opportunities and provide the product expertise and consultation necessary to deliver the best possible solution to the client. Key responsibilities include underwriting and negotiating new transactions, partnering with client-facing teammates to consult on sales opportunities, and providing the product expertise to deliver effective client solutions. Proactively partners with client teams to plan key credit relationship strategy focusing on balance of risk and reward. Directly accountable for managing credit quality and the approval process through interaction with Risk Management Officers.
"Internal employees who are currently working from home are still eligible to apply. However, if selected for the role, you may be required to work onsite in accordance with the workplace excellence policy."
Responsibilities:
- Leads the credit analysis process with the support of other analysts and associates
- Partners with Credit Officers, Relationship Management, and Risk teammates to understand structuring needs and requirements
- Monitors operating performance and financial condition, proactively identifying issues and opportunities
- Assists in delivery of financial modeling, loan structure, industry, economic, and other analyses to team members to support the loan decision-making process
- Reviews work of junior teammates to provide feedback/coaching and ensure compliance with laws, rules, regulations and policy procedure
- May have primary coverage responsibility for a portfolio of clients with limited complexity and credit approval for certain credit actions
- Participate in loan structuring conversations and completion of loan documentation with internal/external legal partners
- Builds projection models for the client (as needed) based on historical performance, industry forecasts, and other due diligence findings
- Pre-screen new transactions for existing and new clients to determine credit worthiness and appropriate credit product solutions
- Analyzing US State and Local governmental entities’ financial statements
- Responsible for underwriting credit approval memoranda for mandated transactions, incorporating thorough credit analysis and due diligence
- Participates in ongoing documentation negotiations as required
BASIC QUALIFICATIONS
- 5+ years of experience in commercial banking, finance or credit ratings industries with significant municipal/public finance credit experience
- Experience in the analysis and structuring of complex transactions
- Strong credit and risk analysis skills
- Strong presentation, structuring and financial statement analysis skills
- Proven ability to analyze, interpret and negotiate third party documentation
- Proven ability to identify trends and emerging risks in underwriting and client selection
- Proficient Microsoft Office skills
PREFERRED QUALIFICATIONS
- Municipal / Public Finance Lending or Leasing Experience
- Undergraduate degree in finance, accounting or related field is preferred
SKILLS
- Attention to Detail
- Credit and Risk Assessment
- Financial Analysis
- Underwriting
- Written Communications
- Analytical Thinking
- Credit Documentation Requirements
- Financial Forecasting and Modeling
- Recording/Organizing Information
- Business Acumen
- Collaboration
- Collateral Management
- Loan Structuring
- Prioritization
SHIFT
1st shift (United States of America)
HOURS PER WEEK
40
See all 360+ H-1B Visa Credit Underwriter Jobs
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Get Access To All JobsTips for Finding H-1B Visa Sponsorship in Credit Underwriter
Verify your degree meets specialty occupation
Credit Underwriter roles qualify as specialty occupations when the position requires a bachelor's degree in finance, economics, accounting, or a directly related field. Pull your credential evaluation early so USCIS can confirm the degree-to-role match without an RFE.
Look up prevailing wages before negotiating
Use the OFLC Wage Search to find the wage level tied to your exact job title and worksite city. Your offered salary must meet or exceed that figure on the certified LCA, so knowing it before negotiations protects both you and your sponsoring employer.
Target banks and specialty finance lenders
Regional banks, credit unions, insurance companies, and commercial lending firms file LCAs for underwriting roles far more consistently than general employers. Search Migrate Mate to find credit and lending employers with verified H-1B sponsorship history in your target market.
Confirm each worksite gets its own LCA
If your employer has multiple branch locations or you rotate between offices, each worksite requires its own certified LCA before you work there. Raise this with HR during the offer stage so DOL compliance is built into the sponsorship timeline, not added after the fact.
Account for cap selection before accepting an offer
H-1B cap selection rules have changed recently, so confirm with your employer's immigration counsel whether you need to go through the cap or qualify for a cap-exempt sponsor. Timing your offer acceptance around the registration window affects when you can actually start.
Prepare your O*NET profile documentation early
The O*NET occupational profile for loan and credit analysts supports the specialty occupation argument by listing degree-level analytical duties. Gather performance reviews, job descriptions, and any professional certifications that align with those duties before your employer files the I-129.
H-1B Visa Credit Underwriter: Frequently Asked Questions
Does a Credit Underwriter role qualify as a specialty occupation for H-1B purposes?
Yes, Credit Underwriter positions typically qualify as specialty occupations when the role requires a bachelor's degree in finance, economics, accounting, or a closely related field. The key is that the degree requirement must be a genuine minimum, not a preference. Employers document this in the I-129 petition by citing the job's analytical complexity and the industry norm for degree-level hiring in underwriting.
Which employers sponsor H-1B visas for Credit Underwriter jobs?
Banks, credit unions, insurance carriers, mortgage lenders, and commercial finance companies are the most consistent H-1B sponsors for underwriting roles. Larger financial institutions with dedicated immigration programs tend to have streamlined sponsorship processes. Migrate Mate lists employers with verified H-1B LCA filing history for credit and underwriting positions, so you can target your search to confirmed sponsors.
How does the LCA process work for Credit Underwriter roles?
Your employer files a Labor Condition Application with DOL before submitting the I-129 petition to USCIS. The LCA certifies that your offered salary meets the prevailing wage for a Credit Underwriter at your specific worksite and that hiring you won't displace U.S. workers. Each office location where you'll work needs its own certified LCA, which matters if your role involves working across multiple branches.
Can I transfer my H-1B to a new employer if I change underwriting jobs?
Yes, H-1B portability lets you start working for a new employer once they file an I-129 transfer petition, without waiting for USCIS approval, as long as your previous status was lawful. The new employer must file a fresh LCA for your worksite and role. Your total H-1B time carries over, so the six-year maximum counts from your original approval date, not the transfer date.
What documents should I prepare to support an H-1B petition for a Credit Underwriter position?
You'll need official transcripts and a credential evaluation confirming your degree is equivalent to a U.S. bachelor's in a related field, especially if your degree is from outside the U.S. Supporting materials typically include a detailed job description showing degree-level duties, any professional certifications in credit risk or lending, and reference letters from prior employers confirming underwriting responsibilities. USCIS may also request evidence that the industry standard for this role requires a specific degree.