Credit Underwriter Visa Sponsorship Jobs in Texas
Credit underwriter visa sponsorship jobs in Texas are concentrated in Dallas-Fort Worth, Houston, and Austin, where major banks, insurance carriers, and specialty lenders maintain large credit operations. Employers such as JPMorgan Chase, Wells Fargo, and Frost Bank actively hire credit underwriters across the state, making Texas one of the more active markets for sponsored finance 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!
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 Houston Tx., Dallas Tx. and Clayton Missouri 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 Houston Tx., Dallas Tx. and Clayton Missouri 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 Texas
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Search Credit Underwriter Jobs in TexasCredit Underwriter Jobs in Texas: Frequently Asked Questions
Which visa types realistically fit credit underwriter roles in Texas?
Credit underwriter positions typically qualify as specialty occupations requiring a bachelor's degree in finance, accounting, economics, or a related field, making the H-1B visa the most common path. Australian nationals may pursue the E-3 visa, and Chilean and Singaporean nationals may qualify under the H-1B1 visa. F-1 students can work through OPT while seeking employer sponsorship. A green card through EB-2 or EB-3 is also available for longer-term permanent residence.
Which companies sponsor visas for credit underwriters in Texas?
Large financial institutions with significant Texas operations are the most active sponsors. JPMorgan Chase, Wells Fargo, Citibank, and Bank of America each maintain credit and underwriting teams in Dallas and Houston. Regional lenders like Frost Bank and insurance-linked underwriters such as Travelers and Zurich North America also sponsor roles. Mortgage lenders and specialty finance companies concentrated in the DFW metroplex round out the sponsorship pool.
Which cities in Texas have the most credit underwriter sponsorship jobs?
Dallas-Fort Worth leads the state due to its dense concentration of regional bank headquarters, insurance firms, and commercial lending operations. Houston is a close second, driven by energy-sector credit underwriting and large bank branches serving oil and gas clients. Austin has grown as a fintech and alternative lending hub, adding underwriting roles tied to technology-forward lenders. San Antonio, home to Frost Bank and USAA, also generates consistent demand.
How to find credit underwriter visa sponsorship jobs in Texas?
Migrate Mate lists Texas credit underwriter roles specifically filtered to employers with verified visa sponsorship history, so you can target companies that have demonstrated willingness to sponsor rather than applying broadly. Search by city to compare Dallas-Fort Worth, Houston, and Austin openings side by side. Focusing on employers with active H-1B or E-3 Labor Condition Application filings in the finance sector gives you a practical shortlist of realistic sponsorship targets.
Are there state-specific factors that affect credit underwriter sponsorship in Texas?
Texas has no state income tax, which makes compensation packages attractive to international hires negotiating relocation. The state's large financial services sector, anchored by DFW's bank headquarters and Houston's energy finance community, creates sustained underwriting demand beyond typical market cycles. Texas also benefits from strong university pipelines, with graduates from UT Austin, Texas A&M, and Southern Methodist University frequently entering credit analyst and underwriter tracks that lead to sponsored mid-level roles.
What is the prevailing wage for sponsored credit underwriter jobs in Texas?
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.