Credit Underwriter Visa Sponsorship Jobs in California
Credit underwriter visa sponsorship jobs in California are concentrated in the San Francisco Bay Area, Los Angeles, and San Diego, where banks, mortgage lenders, and fintech companies like Wells Fargo, JPMorgan Chase, and Pacific Premier Bank actively hire. California's dense financial services sector and large immigrant workforce make it one of the more active states for sponsored underwriting roles.
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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 moderately complex client relationships. Key responsibilities include completing and reviewing credit analysis, evaluating risks, and preparing financial analysis using advanced tools and systems. Job expectations include assessing financials, projections, industry data, covenant compliance, collateral, and policy requirements to ensure alignment with the bank’s risk appetite.
- Analyzes client financial information, identification/mitigation of potential risks, compliance with regulatory requirements and evaluation of collateral in determination of credit worthiness
- Completes monitoring activities via analysis of clients’ financial performance and collateral evaluation to ensure appropriate requirements are met
- Listens in to client meetings to develop a deeper understanding of the client's business, management team, and past and future performance
- Reviews completed client requests to ensure compliance with policy and procedures
- Understands how credit data is used internally and provided to regulatory partners
- Assists with periodic portfolio reviews
- Participates in loan structure conversations and completion of loan documentation
BASIC QUALIFICATIONS
- 6+ months commercial real estate credit related experience, inclusive of applicable internships
- Financial analysis, underwriting and portfolio management experience
- Financial accounting, financial modeling and loan structuring experience
PREFERRED QUALIFICATIONS
- Bachelor’s degree in finance, accounting, economics or similar
- Certificate from accredited real estate educational program
- Bank experience
- CRE underwriting experience
- Commercial Credit Training
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 moderately complex client relationships. Key responsibilities include completing and reviewing credit analysis, evaluating risks, and preparing financial analysis using advanced tools and systems. Job expectations include assessing financials, projections, industry data, covenant compliance, collateral, and policy requirements to ensure alignment with the bank’s risk appetite.
- Analyzes client financial information, identification/mitigation of potential risks, compliance with regulatory requirements and evaluation of collateral in determination of credit worthiness
- Completes monitoring activities via analysis of clients’ financial performance and collateral evaluation to ensure appropriate requirements are met
- Listens in to client meetings to develop a deeper understanding of the client's business, management team, and past and future performance
- Reviews completed client requests to ensure compliance with policy and procedures
- Understands how credit data is used internally and provided to regulatory partners
- Assists with periodic portfolio reviews
- Participates in loan structure conversations and completion of loan documentation
BASIC QUALIFICATIONS
- 6+ months commercial real estate credit related experience, inclusive of applicable internships
- Financial analysis, underwriting and portfolio management experience
- Financial accounting, financial modeling and loan structuring experience
PREFERRED QUALIFICATIONS
- Bachelor’s degree in finance, accounting, economics or similar
- Certificate from accredited real estate educational program
- Bank experience
- CRE underwriting experience
- Commercial Credit Training
SHIFT
1st shift (United States of America)
HOURS PER WEEK
40
Credit Underwriter Job Roles in California
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Search Credit Underwriter Jobs in CaliforniaCredit Underwriter Jobs in California: Frequently Asked Questions
Which companies in California sponsor visas for credit underwriters?
Major banks and financial institutions with California operations are the most active sponsors for credit underwriter roles. Wells Fargo, JPMorgan Chase, Bank of America, and Citibank have filed Labor Condition Applications for underwriting positions in the state. Regional lenders like Pacific Premier Bank, East West Bank, and Cathay Bank, which serve California's large Asian-American business communities, also have documented sponsorship histories for underwriting roles.
What visa types realistically apply to credit underwriter jobs in California?
Credit underwriter roles typically require a bachelor's degree in finance, accounting, economics, or a related field, which qualifies them as specialty occupations. H-1B visa is the most common sponsorship pathway, granting up to three years of initial status extendable to six, though it is subject to an annual cap and selection process. H-1B1 visa applies to Chilean and Singaporean nationals. E-3 visa covers Australian nationals. F-1 students may work under OPT while pursuing sponsorship. Employer-sponsored green cards via the EB-2 or EB-3 category are also possible for longer-term paths.
How to find credit underwriter visa sponsorship jobs in California?
Migrate Mate lists California credit underwriter roles specifically filtered to employers with verified visa sponsorship history, so you can focus your search on companies that have filed for underwriting positions before. This saves significant time compared to applying broadly and discovering after interviews that a company won't sponsor. Search by city to target the Bay Area, Los Angeles, or San Diego markets where sponsorship activity is highest for financial services roles.
Which California cities have the most credit underwriter sponsorship jobs?
San Francisco and the broader Bay Area lead in sponsored credit underwriter roles, driven by fintech companies, commercial banks, and venture lending firms concentrated there. Los Angeles is a close second, particularly for mortgage underwriters and consumer lending roles tied to its large real estate market. San Diego has a smaller but active concentration tied to community banks and credit unions. Sacramento sees sponsorship activity from state-chartered financial institutions and regional lenders.
Are there state-specific factors that affect credit underwriter sponsorship in California?
California's size and economic diversity create distinct underwriting niches: commercial real estate lending in Los Angeles, tech-sector credit risk in the Bay Area, and cross-border trade finance in San Diego given proximity to Mexico. California's large immigrant business community also supports demand at banks serving specific ethnic markets, such as East West Bank and Preferred Bank, which have established sponsorship track records. California's cost of living means prevailing wage requirements under the LCA tend to be higher than the national average for the same role.
What is the prevailing wage for sponsored credit underwriter jobs in California?
U.S. employers sponsoring a visa must pay at least the prevailing wage, which is what workers in the same role, area, and experience level typically earn. The Department of Labor sets this rate to make sure companies aren't hiring foreign workers simply because they'd accept lower pay than a U.S. worker. It varies by job title, location, and experience. You can look up current prevailing wage rates for any occupation and location using the OFLC Wage Search page.