Credit Specialist Jobs in USA with Visa Sponsorship
Credit Specialist roles qualify for H-1B visa sponsorship as a specialty occupation requiring a finance, accounting, or economics degree. Employers in banking, lending, and fintech regularly file Labor Condition Applications for this title. No lottery exemption exists, but the annual cap includes a 20,000-slot advanced degree allocation.
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Get Access To All JobsDescription
Summary/Objective
The Underwriter I is responsible for reviewing auto loan applications and rendering an appropriate credit decision.
Essential Functions
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- Ensure that applications are underwritten in accordance with company guidelines
- Gathers and reviews all necessary underwriting information to determine the degree of risk involved and the proper premium for acceptable risks. Accepts risks that meet underwriting standards and declines those which do not
- Ability to understand and analyze contracts, titles, income tax data
- Evaluate automobile book values and applicant credit bureau information
- Other tasks as assigned
Qualifications
- 1+ years of experience in credit underwriting or an Undergraduate College degree preferred
- Exceptional interpersonal, verbal and written communication skills
- Be able to maintain composure and multitask in a fast paced environment
- Demonstrate an outgoing personality with the ability to build relationships and establish trust among clients
- Must possess the ability to solve problems, digest and apply information, learn new skills, and think critically
- Must possess the ability to utilize Internet browsers and common desktop applications such as email and word processing programs
Supervisory Responsibility
This position has no supervisory responsibilities.
Work Environment and Physical Demands
This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.
Position Type/Expected Hours of Work
This is a full-time position. Days and hours of work are Monday through Friday 9 a.m. to 6 p.m., some evenings until 8pm with occasional weekends.
Travel
No travel is expected for this position.
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.
EEO Statement
ACA provides equal employment opportunities (EEO) to all applicants for employment without regard to race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, marital status, amnesty, or status as a covered veteran in accordance with applicable federal, state and local laws. ACA complies with applicable state and local laws governing non-discrimination in employment in every location in which the company has facilities.
California Privacy Notice
As an employer of California residents, we are dedicated to protecting your privacy rights. Any personal information you provide during the application process will be used solely for permitted internal purposes and will be handled in accordance with applicable privacy laws. By applying to this position, you consent to the collection, use, and disclosure of your personal information as described in our Employee Privacy Notice.
Description
Summary/Objective
The Underwriter I is responsible for reviewing auto loan applications and rendering an appropriate credit decision.
Essential Functions
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- Ensure that applications are underwritten in accordance with company guidelines
- Gathers and reviews all necessary underwriting information to determine the degree of risk involved and the proper premium for acceptable risks. Accepts risks that meet underwriting standards and declines those which do not
- Ability to understand and analyze contracts, titles, income tax data
- Evaluate automobile book values and applicant credit bureau information
- Other tasks as assigned
Qualifications
- 1+ years of experience in credit underwriting or an Undergraduate College degree preferred
- Exceptional interpersonal, verbal and written communication skills
- Be able to maintain composure and multitask in a fast paced environment
- Demonstrate an outgoing personality with the ability to build relationships and establish trust among clients
- Must possess the ability to solve problems, digest and apply information, learn new skills, and think critically
- Must possess the ability to utilize Internet browsers and common desktop applications such as email and word processing programs
Supervisory Responsibility
This position has no supervisory responsibilities.
Work Environment and Physical Demands
This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.
Position Type/Expected Hours of Work
This is a full-time position. Days and hours of work are Monday through Friday 9 a.m. to 6 p.m., some evenings until 8pm with occasional weekends.
Travel
No travel is expected for this position.
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.
EEO Statement
ACA provides equal employment opportunities (EEO) to all applicants for employment without regard to race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, marital status, amnesty, or status as a covered veteran in accordance with applicable federal, state and local laws. ACA complies with applicable state and local laws governing non-discrimination in employment in every location in which the company has facilities.
California Privacy Notice
As an employer of California residents, we are dedicated to protecting your privacy rights. Any personal information you provide during the application process will be used solely for permitted internal purposes and will be handled in accordance with applicable privacy laws. By applying to this position, you consent to the collection, use, and disclosure of your personal information as described in our Employee Privacy Notice.
See all 83+ Credit Specialist Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new Credit Specialist roles.
Get Access To All JobsTips for Finding Visa Sponsorship as a Credit Specialist
Align your degree to credit analysis
H-1B eligibility hinges on a direct connection between your degree field and the role. A finance, accounting, economics, or business administration degree strengthens your specialty occupation case. A general business degree with no quantitative focus can trigger a Request for Evidence.
Use OFLC Wage Search before negotiating
Your employer must pay the prevailing wage certified on the Labor Condition Application. Pull the OFLC Wage Search for your specific metro area and experience level before you receive an offer, so you can spot underpayment before the LCA is filed.
Target lenders with consistent LCA filing history
Banks, credit unions, auto lenders, and commercial finance companies file LCAs for Credit Specialist roles most consistently. Use Migrate Mate to identify employers with verified sponsorship history for this title, filtered by city and industry sector.
Get your credentials evaluated before applying
If your finance or accounting degree is from outside the U.S., get a credential evaluation completed before submitting applications. A NACES-member evaluator's report confirming equivalency to a U.S. bachelor's degree removes a common RFE trigger for USCIS.
Ask about PERM timing during offer negotiations
H-1B status is capped at six years without a green card filing underway. Ask your employer during offer discussions whether they sponsor PERM labor certification for Credit Specialists, so you're not forced into a status gap at the five-year mark.
Clarify your employment structure upfront
Some credit roles are staffed through third-party firms that place workers at financial institutions. H-1B sponsorship for placed workers requires the end-client employer to be named on the LCA. Confirm which entity will sign the LCA before accepting any contract arrangement.
Frequently Asked Questions
Does a Credit Specialist role qualify as a specialty occupation for the H-1B?
Yes, Credit Specialist roles generally qualify when the position requires at least a bachelor's degree in finance, accounting, economics, or a related field. The employer must demonstrate this degree requirement in the LCA and I-129 petition. Roles that accept any degree or substitute extensive experience for a degree face higher scrutiny from USCIS and are more likely to receive a Request for Evidence.
Which visa types are available to Credit Specialists seeking U.S. sponsorship?
H-1B is the primary path for most nationalities, subject to the annual cap and selection process. Australian citizens can pursue the E-3 visa, which has a separate 10,500-unit annual cap and no lottery. Chilean nationals may use the H-1B1 visa with a 1,400-unit cap, and Singaporean nationals have access to the H-1B1 with an 5,400-unit cap. TN visa is not available for Credit Specialist roles, as the occupation does not appear on the USMCA profession list.
What degree do I need to qualify for H-1B sponsorship as a Credit Specialist?
A bachelor's degree in finance, accounting, economics, business administration with a quantitative concentration, or a closely related field is the standard requirement. A degree in an unrelated discipline weakens the specialty occupation argument even if you have years of credit experience. If your degree is from outside the U.S., a NACES-member credential evaluation confirming equivalency to a U.S. bachelor's degree is necessary before USCIS will accept it.
How do I find employers who actively sponsor Credit Specialist roles?
Migrate Mate lists U.S. employers with verified LCA sponsorship history for Credit Specialist positions, searchable by city and role. Banks, commercial lenders, credit unions, and fintech companies file for this title most frequently. Focus your search on institutions with recurring filings rather than one-time sponsors, since consistent filing history signals an established internal sponsorship process.
Can I switch employers while on H-1B status as a Credit Specialist?
Yes. Under H-1B portability, you can start working for a new employer once that employer files a new H-1B petition on your behalf, without waiting for USCIS approval. The new role must still qualify as a specialty occupation and the employer must file a new LCA. Your six-year H-1B clock continues from your original start date, so confirm your remaining authorized period before accepting any new offer.
What is the prevailing wage requirement for sponsored Credit Specialist jobs?
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.