Credit Underwriter Visa Sponsorship Jobs in Florida
Credit underwriter visa sponsorship jobs in Florida are concentrated in Miami, Tampa, and Orlando, where major banks, mortgage companies, and insurance firms maintain large lending operations. Employers such as Wells Fargo, Truist, and regional credit unions actively hire underwriters across the state. Florida's finance sector supports H-1B visa and other specialty occupation visa pathways for qualified candidates.
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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!
ABOUT THE ROLE
As an Underwriter on the Global Commercial Banking credit team, you will be responsible for underwriting loans and related credit exposure for a portfolio of middle market companies across a broad range of industries with annual revenues ranging from $50 million to $2 billion in the Tampa, Orlando, Jacksonville markets. Working in close partnership with Relationship Management, Debt Capital Markets, Investment Banking and other product teams, you will analyze lending opportunities and perform ongoing portfolio monitoring. You will report to a Senior Credit Manager and work day-to-day with a team of Credit Officers, fellow Underwriters and Credit Analysts.
Responsibilities
- Partner with credit teammates, relationship management and product teams to develop strategic debt financing solutions
- Employ credit and accounting knowledge to structure bilateral and syndicated loans aligned with client needs and bank risk parameters
- Analyze ancillary credit exposure for treasury, rates and foreign exchange products
- Perform due diligence and dynamic risk assessments of borrowers, industries and transactions
- Create credit approval packages and own the credit approval process from initiation through final decision
- Construct detailed financial cash flow and repayment models, including sensitivity analyses
- Complete enterprise value (discounted cash flow), pricing, returns and risk rating models
- Ensure adherence to regulatory and internal policies and procedures
- Exercise approval authority for certain credit actions
- Present well supported opportunities to credit and risk leadership
- Partner with internal and external legal partners to complete loan documentation
- Oversee quarterly monitoring exercises and requirements
BASIC QUALIFICATIONS
- BA/BS degree required
- 3 to 10 years of Commercial Banking (Middle Market, Large Corporate or Leveraged Finance) underwriting experience
- Proficiency in accounting principles, financial statement analysis and financial modeling
- Solid foundation in credit analysis, including evaluation of business risk, industry trends and capital structures
- Understanding of credit documentation, including term sheets, credit agreements and ancillary agreements (e.g. security, guarantee and intercreditor agreements)
- Strong written and verbal communication skills
- Unwavering attention to detail and accuracy
- Ability to work in a fast paced, deadline driven environment
- Ability to juggle and prioritize multiple transactions and responsibilities at a time
PREFERRED QUALIFICATIONS
- Experience with the syndicated loan execution process
- Knowledge of derivative products and documentation (i.e. ISDA agreements)
- Capability to conduct negotiations with clients
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!
ABOUT THE ROLE
As an Underwriter on the Global Commercial Banking credit team, you will be responsible for underwriting loans and related credit exposure for a portfolio of middle market companies across a broad range of industries with annual revenues ranging from $50 million to $2 billion in the Tampa, Orlando, Jacksonville markets. Working in close partnership with Relationship Management, Debt Capital Markets, Investment Banking and other product teams, you will analyze lending opportunities and perform ongoing portfolio monitoring. You will report to a Senior Credit Manager and work day-to-day with a team of Credit Officers, fellow Underwriters and Credit Analysts.
Responsibilities
- Partner with credit teammates, relationship management and product teams to develop strategic debt financing solutions
- Employ credit and accounting knowledge to structure bilateral and syndicated loans aligned with client needs and bank risk parameters
- Analyze ancillary credit exposure for treasury, rates and foreign exchange products
- Perform due diligence and dynamic risk assessments of borrowers, industries and transactions
- Create credit approval packages and own the credit approval process from initiation through final decision
- Construct detailed financial cash flow and repayment models, including sensitivity analyses
- Complete enterprise value (discounted cash flow), pricing, returns and risk rating models
- Ensure adherence to regulatory and internal policies and procedures
- Exercise approval authority for certain credit actions
- Present well supported opportunities to credit and risk leadership
- Partner with internal and external legal partners to complete loan documentation
- Oversee quarterly monitoring exercises and requirements
BASIC QUALIFICATIONS
- BA/BS degree required
- 3 to 10 years of Commercial Banking (Middle Market, Large Corporate or Leveraged Finance) underwriting experience
- Proficiency in accounting principles, financial statement analysis and financial modeling
- Solid foundation in credit analysis, including evaluation of business risk, industry trends and capital structures
- Understanding of credit documentation, including term sheets, credit agreements and ancillary agreements (e.g. security, guarantee and intercreditor agreements)
- Strong written and verbal communication skills
- Unwavering attention to detail and accuracy
- Ability to work in a fast paced, deadline driven environment
- Ability to juggle and prioritize multiple transactions and responsibilities at a time
PREFERRED QUALIFICATIONS
- Experience with the syndicated loan execution process
- Knowledge of derivative products and documentation (i.e. ISDA agreements)
- Capability to conduct negotiations with clients
SHIFT
1st shift (United States of America)
HOURS PER WEEK
40
Credit Underwriter Job Roles in Florida
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Search Credit Underwriter Jobs in FloridaCredit Underwriter Jobs in Florida: Frequently Asked Questions
Which companies sponsor visas for credit underwriters in Florida?
Large national banks with Florida operations, including Wells Fargo, JPMorgan Chase, and Truist, have histories of sponsoring H-1B petitions for finance and credit roles. Regional mortgage lenders and insurance companies headquartered in Miami and Tampa also sponsor. Sponsorship is more common at larger institutions with dedicated HR and immigration compliance teams than at smaller community lenders.
Which visa types realistically fit credit underwriter roles in Florida?
Credit underwriting qualifies as a specialty occupation because it typically requires a bachelor's degree in finance, economics, or a related field, making H-1B the primary path. Australian nationals may apply for an E-3 visa, and Chilean and Singaporean nationals may qualify under H-1B1 visa. F-1 students can work through OPT while pursuing full sponsorship. Employer-sponsored EB-2 or EB-3 green cards are also available for longer-term candidates.
Which cities in Florida have the most credit underwriter sponsorship jobs?
Miami leads due to its concentration of international banks, mortgage firms, and trade finance operations serving Latin American markets. Tampa is a significant hub, home to major bank back-office and lending centers. Orlando also has a growing financial services presence. Jacksonville, as a large banking city with Fidelity National Financial and several regional banks, rounds out the top Florida markets for credit underwriter roles.
How to find credit underwriter visa sponsorship jobs in Florida?
Migrate Mate lists Florida credit underwriter roles at employers with verified visa sponsorship histories, letting you focus your search on companies that have filed for similar finance positions before. Filter by city to compare opportunities in Miami, Tampa, or Orlando. Targeting employers with an established immigration track record in credit and lending functions significantly improves your chances of a successful application.
Are there any Florida-specific factors that affect visa sponsorship for credit underwriters?
Florida's large international banking sector in Miami, which serves cross-border lending between the U.S. and Latin America, creates steady demand for credit underwriters with multilingual skills and foreign market knowledge. This often makes Florida employers more experienced with visa sponsorship than lenders in smaller markets. Florida's lack of a state income tax can also factor into compensation structures employers offer when competing for internationally mobile finance talent.
What is the prevailing wage for sponsored credit underwriter jobs in Florida?
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.