Underwriter Jobs in Texas
Underwriter jobs in Texas are among the most active in the country, concentrated in insurance carriers, mortgage lending, and commercial banking, with openings at every level from junior analyst through senior underwriter and team lead. Houston, Dallas, and San Antonio anchor the market, where large employers like USAA, Travelers, and Berkshire Hathaway's insurance subsidiaries have long-standing Texas operations. The most in-demand specialties are commercial lines underwriting, mortgage underwriting, and surety, reflecting Texas's scale in energy, real estate, and construction. Find a role that fits below and apply directly.
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INTRODUCTION
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.
ROLE AND RESPONSIBILITIES
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
BASIC 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: Jun 12, 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.
INTRODUCTION
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.
ROLE AND RESPONSIBILITIES
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
BASIC 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: Jun 12, 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 96 Underwriter Jobs in Texas
Find roles in Texas that match your experience and apply in just a few clicks.
Find Underwriter JobsUnderwriter Jobs by City in Texas
Where Texas roles are concentrated, by current openings.
Underwriter Job Market in Texas
A snapshot from current Texas openings, updated as new roles post.
Who's Hiring
- Travelers7
- AmeriHome Mortgage Company6
- Risksmith Insurance Services5
- USI Insurance Services5
- First American4
Top Industries Hiring
- Insurance52
- Banking & Financial Services29
- Investment & Asset Management9
- Construction & Real Estate7
- Technology & Software4
What Texas Employers Look For
The qualifications that appear most often in underwriter jobs across Texas.
- Bachelor's degree in finance, business, or a related field required
- Professional designation such as CPCU or AU preferred or expected
- Two or more years of underwriting experience in commercial or personal lines
- Proficiency with underwriting platforms and insurance management systems
- Strong analytical skills for evaluating risk and interpreting financial data
- Clear written communication skills for documenting coverage decisions and correspondence
Underwriter Jobs in Texas: Frequently Asked Questions
How do you become a underwriter in Texas?
Most underwriting roles in Texas require a bachelor's degree in finance, business, economics, or a related field, though some employers accept candidates with strong quantitative backgrounds from other disciplines. Insurance underwriters who also bind or issue policies may need a Texas Department of Insurance property and casualty license, administered through the TDI. Mortgage underwriters typically need a NMLS registration. Entry-level candidates often move in through claims, insurance sales, or loan processing before transitioning to underwriting.
How much do underwriters make in Texas?
Underwriters in Texas earn a median of about $78,890 a year, based on May 2025 Bureau of Labor Statistics wage data, ranging from around $51,440 for the lowest 10% to over $135,410 for the top 10%. Pay rises with experience, specialty, and employer.
Which companies hire underwriters in Texas?
Employers hiring underwriters in Texas right now include Travelers, AmeriHome Mortgage Company, and Risksmith Insurance Services, based on current listings on Migrate Mate as of June 2026. Texas's concentration of insurance carriers, regional banks, and mortgage companies means underwriting demand is spread across both national firms and large locally headquartered operations.
Which Texas cities have the most underwriter jobs?
Dallas, Houston, and Richardson have the most underwriter openings in Texas. Houston leads because of its energy sector, large insurance carrier offices, and commercial real estate activity, while Dallas draws significant volume from regional bank headquarters, national insurance companies, and a deep mortgage lending industry. San Antonio's concentration of financial services firms, including USAA, sustains consistent demand for both insurance and mortgage underwriters.
Are there remote underwriter jobs in Texas?
Yes, and more than most fields. Underwriting is largely desk-based and document-driven, which makes it well suited to remote and hybrid arrangements. About 31% of underwriter openings tied to Texas are remote or hybrid as of June 2026, reflecting how broadly carriers and lenders have adopted flexible work models. Mortgage underwriting and personal lines insurance roles tend to offer the most consistent remote options.
How can I get hired as a underwriter in Texas with little or no experience?
The most realistic entry path is starting in a related role such as insurance customer service, claims adjuster, or loan processor, then moving into underwriting support or a junior underwriter title. Large Texas-based carriers like USAA in San Antonio and Travelers in Dallas run structured development programs and regularly hire candidates without direct underwriting experience into analyst or associate roles. Earning a TDI property and casualty license or an NMLS registration before applying gives candidates a measurable edge.
Where can I find and apply to underwriter jobs in Texas?
You can find and apply to underwriter jobs in Texas on Migrate Mate, which lists current Texas openings across insurance carriers, mortgage lenders, and commercial banks. Find roles that fit your experience and specialty, then apply directly to the employer through the listing.
See All 96 Underwriter Jobs in Texas
Find roles in Texas that match your experience and apply in just a few clicks.
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