Remote Underwriting Manager Jobs
Remote underwriting manager jobs are open across the U.S. at remote-first insurers, distributed financial services firms, and large carriers building out fully remote underwriting teams. Employers hiring remotely right now include MEM, Kind Lending, and FCT. Scan the live roles below and apply to whichever ones fit.
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Senior Credit Manager, Mid-Ticket Credit Underwriting
Location: Fully Remote
Position Overview
Our client is seeking an experienced Manager of Mid-Ticket Credit Underwriting to lead a team of commercial credit analysts while maintaining responsibility for complex equipment finance underwriting and credit decisions.
This position combines hands-on underwriting with team leadership, coaching, performance management, workflow oversight, quality assurance, and credit policy development. The Manager will serve as a senior credit resource, advise on complex transactions, review appeals and post-approval modifications, present recommendations to the Credit Committee, and partner with Sales to structure transactions that balance growth, customer needs, and risk.
Key Responsibilities
Team Leadership and Development
- Lead and manage a team of approximately three to six Mid-Ticket Credit Analysts.
- Establish performance expectations and monitor quality, productivity, consistency and service levels.
- Coach, mentor and develop analysts through regular feedback, performance reviews and development meetings.
- Ensure consistent application and understanding of credit policies across the team.
- Identify training, performance and leadership-development needs.
- Participate in interviewing, hiring and onboarding new Credit Analysts.
- Monitor workflow, turnaround times, attendance and overall team activity.
- Keep senior management informed of team performance and day-to-day activity.
- Recommend credit policy changes based on underwriting experience and portfolio trends.
- Ensure credit files and post-funding requests are complete, accurate and processed promptly.
Credit Underwriting and Decisioning
- Underwrite commercial equipment finance transactions across a wide variety of industries, markets and equipment types.
- Conduct customer due diligence and prepare credit memoranda, financial analyses, approval notes and presentation materials.
- Analyze balance sheets, income statements, cash flow statements, business and personal tax returns, interim financial statements and supporting schedules.
- Evaluate cash flow adequacy, leverage, liquidity, profitability, working capital, debt-service capacity and overall credit risk.
- Assess key qualitative factors, including the customer’s competitive position, operating model, management strength, ownership structure, industry trends and business risks.
- Evaluate equipment value, market pricing, depreciation, useful life, remarketing considerations and residual risk.
- Develop appropriate transaction structures, terms, conditions and risk ratings.
- Present clear and well-supported credit recommendations to the Credit Committee and senior management.
- Review credit appeals, post-approval modifications and post-funding requests.
- Decision flow transactions accurately, consistently and within established service expectations.
Cross-Functional Partnership
- Work closely with Originators to obtain required customer information efficiently.
- Provide timely updates regarding the underwriting status of each transaction.
- Partner with Sales to structure transactions that balance credit quality, customer needs, and business objectives.
- Support Documentation and Funding with nonstandard transaction requirements.
- Assist Collections with late-payment issues, restructures or modifications involving mid-ticket accounts.
- Provide formal and informal credit training to Sales and other internal teams.
- Promote constructive collaboration among Credit, Sales, Operations, Documentation, Funding and Collections.
Qualifications
- Minimum of 10 years of commercial credit underwriting or risk-management experience.
- Significant hands-on underwriting experience within the equipment finance industry.
- Minimum of five years of direct leadership or management experience overseeing commercial credit professionals.
- Minimum of five years of equipment finance experience involving both new and used equipment.
- Expert knowledge of commercial credit underwriting, financial analysis, risk assessment and equipment finance.
- Advanced ability to spread and analyze financial statements, tax returns, interim statements and cash flow.
- Strong understanding of leverage, liquidity, debt-service coverage, profitability, working capital and financial ratio analysis.
- Demonstrated ability to coach, mentor and develop high-performing underwriting teams.
- Sound judgment and decision-making skills involving complex commercial credit situations.
- Experience underwriting transactions across multiple industries, including transportation, industrial equipment, specialty vehicles, tow and recovery, manufacturing, construction and franchise finance.
- Excellent written and verbal communication skills, including experience presenting recommendations to the Credit Committee and senior management.
- Strong organizational, planning and time-management skills.
- Ability to manage multiple priorities in a fast-paced, high-volume environment.
- Strong interpersonal skills and the ability to collaborate effectively across departments.
- Bachelor’s degree in Finance, Accounting, Economics, Business or a related field preferred. Equivalent commercial lending or equipment finance experience may be considered.
Core Competencies
- Ethical conduct and sound judgment
- Leadership and team development
- Credit analysis and risk assessment
- Attention to detail
- Communication and collaboration
- Organization and prioritization
- Initiative and accountability
- Research and analytical ability
This is an excellent opportunity for an experienced equipment finance credit professional who enjoys remaining actively involved in underwriting while leading and developing a strong team.
Senior Credit Manager, Mid-Ticket Credit Underwriting
Location: Fully Remote
Position Overview
Our client is seeking an experienced Manager of Mid-Ticket Credit Underwriting to lead a team of commercial credit analysts while maintaining responsibility for complex equipment finance underwriting and credit decisions.
This position combines hands-on underwriting with team leadership, coaching, performance management, workflow oversight, quality assurance, and credit policy development. The Manager will serve as a senior credit resource, advise on complex transactions, review appeals and post-approval modifications, present recommendations to the Credit Committee, and partner with Sales to structure transactions that balance growth, customer needs, and risk.
Key Responsibilities
Team Leadership and Development
- Lead and manage a team of approximately three to six Mid-Ticket Credit Analysts.
- Establish performance expectations and monitor quality, productivity, consistency and service levels.
- Coach, mentor and develop analysts through regular feedback, performance reviews and development meetings.
- Ensure consistent application and understanding of credit policies across the team.
- Identify training, performance and leadership-development needs.
- Participate in interviewing, hiring and onboarding new Credit Analysts.
- Monitor workflow, turnaround times, attendance and overall team activity.
- Keep senior management informed of team performance and day-to-day activity.
- Recommend credit policy changes based on underwriting experience and portfolio trends.
- Ensure credit files and post-funding requests are complete, accurate and processed promptly.
Credit Underwriting and Decisioning
- Underwrite commercial equipment finance transactions across a wide variety of industries, markets and equipment types.
- Conduct customer due diligence and prepare credit memoranda, financial analyses, approval notes and presentation materials.
- Analyze balance sheets, income statements, cash flow statements, business and personal tax returns, interim financial statements and supporting schedules.
- Evaluate cash flow adequacy, leverage, liquidity, profitability, working capital, debt-service capacity and overall credit risk.
- Assess key qualitative factors, including the customer’s competitive position, operating model, management strength, ownership structure, industry trends and business risks.
- Evaluate equipment value, market pricing, depreciation, useful life, remarketing considerations and residual risk.
- Develop appropriate transaction structures, terms, conditions and risk ratings.
- Present clear and well-supported credit recommendations to the Credit Committee and senior management.
- Review credit appeals, post-approval modifications and post-funding requests.
- Decision flow transactions accurately, consistently and within established service expectations.
Cross-Functional Partnership
- Work closely with Originators to obtain required customer information efficiently.
- Provide timely updates regarding the underwriting status of each transaction.
- Partner with Sales to structure transactions that balance credit quality, customer needs, and business objectives.
- Support Documentation and Funding with nonstandard transaction requirements.
- Assist Collections with late-payment issues, restructures or modifications involving mid-ticket accounts.
- Provide formal and informal credit training to Sales and other internal teams.
- Promote constructive collaboration among Credit, Sales, Operations, Documentation, Funding and Collections.
Qualifications
- Minimum of 10 years of commercial credit underwriting or risk-management experience.
- Significant hands-on underwriting experience within the equipment finance industry.
- Minimum of five years of direct leadership or management experience overseeing commercial credit professionals.
- Minimum of five years of equipment finance experience involving both new and used equipment.
- Expert knowledge of commercial credit underwriting, financial analysis, risk assessment and equipment finance.
- Advanced ability to spread and analyze financial statements, tax returns, interim statements and cash flow.
- Strong understanding of leverage, liquidity, debt-service coverage, profitability, working capital and financial ratio analysis.
- Demonstrated ability to coach, mentor and develop high-performing underwriting teams.
- Sound judgment and decision-making skills involving complex commercial credit situations.
- Experience underwriting transactions across multiple industries, including transportation, industrial equipment, specialty vehicles, tow and recovery, manufacturing, construction and franchise finance.
- Excellent written and verbal communication skills, including experience presenting recommendations to the Credit Committee and senior management.
- Strong organizational, planning and time-management skills.
- Ability to manage multiple priorities in a fast-paced, high-volume environment.
- Strong interpersonal skills and the ability to collaborate effectively across departments.
- Bachelor’s degree in Finance, Accounting, Economics, Business or a related field preferred. Equivalent commercial lending or equipment finance experience may be considered.
Core Competencies
- Ethical conduct and sound judgment
- Leadership and team development
- Credit analysis and risk assessment
- Attention to detail
- Communication and collaboration
- Organization and prioritization
- Initiative and accountability
- Research and analytical ability
This is an excellent opportunity for an experienced equipment finance credit professional who enjoys remaining actively involved in underwriting while leading and developing a strong team.
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Who's Hiring
Top Industries Hiring
- Construction & Real Estate
What Employers Look For
The qualifications that appear most often in remote underwriting manager jobs.
- 5 or more years of underwriting experience with demonstrated management or team lead responsibility
- Deep knowledge of underwriting guidelines, risk assessment, and pricing within a specific line of business
- Experience managing a team of underwriters and conducting performance reviews
- Strong proficiency with underwriting platforms such as Guidewire, Duck Creek, or proprietary carrier systems
- CPCU, AU, or CU designation preferred or required depending on the role and carrier
- Bachelor's degree in business, finance, risk management, or a related field
Tips for Your Remote Underwriting Manager Job Search
Apply early to remote roles that fit
Migrate Mate lists remote underwriting manager openings from across the U.S. in one place, so you can find roles that match your line of business and apply directly without sorting through general job boards.
Show async leadership in your application
Remote underwriting manager roles require you to direct a team without face-to-face oversight. Write a cover letter that describes how you've coached underwriters, resolved exceptions, or communicated guidelines in writing, since remote employers use your application itself as a writing sample.
Prove your remote underwriting workflow
List the platforms you've used for remote underwriting work, whether that's a specific policy management system, a cloud-based decisioning tool, or a shared documentation environment. Naming real tools tells distributed teams you won't need a ramp-up period to function remotely.
Prepare for a remote panel interview
Most remote underwriting manager interviews happen over video with two or three stakeholders at once. Practice explaining a complex underwriting decision or a team performance issue clearly and concisely on screen, because remote hiring managers assess how you'll run virtual team meetings in the actual role.
Remote Underwriting Manager Jobs: Frequently Asked Questions
How do I get a remote underwriting manager job?
Target remote-first insurers, specialty lines carriers, and fintech lenders that operate distributed underwriting teams, since they build their workflows around remote collaboration from day one. Remote employers screen heavily for written communication, independent decision-making, and experience managing underwriters across time zones. Strong candidates demonstrate async leadership, a clean digital audit trail of team performance, and familiarity with underwriting platforms your team can use without being in the same room.
Which companies hire remote underwriting managers?
Companies hiring remote underwriting managers right now include MEM, Kind Lending, and FCT, based on current remote listings on Migrate Mate as of August 2026. Remote openings for this role concentrate at remote-first carriers, specialty insurers, mortgage and lending platforms, and distributed financial services firms that manage underwriting teams without a central office.
Can you get a remote underwriting manager job with no experience?
Yes, but remote entry-level manager roles are harder to land because employers expect you to direct a team without in-person oversight from the start. Your best path is to build a record as a remote individual contributor underwriter first, then move into a lead role. Demonstrating async communication skills and a history of independent, accurate underwriting decisions signals you're ready to manage others remotely.
Do you need a degree for remote underwriting manager jobs?
Not always. Many remote employers weigh CPCU, AU, or other industry credentials alongside or instead of a four-year degree, especially when a candidate brings documented underwriting results and team leadership experience. Showing a history of profitable book management, reduced loss ratios, or successful team training often carries more weight with remote hiring managers than the degree itself.
Which industries hire the most remote underwriting managers?
The sectors hiring the most remote underwriting managers are Construction & Real Estate, based on current remote listings on Migrate Mate as of August 2026. These sectors hire underwriting managers remotely because their underwriting workflows, documentation, and team communication are already built around digital tools and distributed decision-making.
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