Credit Underwriter Jobs in USA with Visa Sponsorship
Credit Underwriter roles qualify as specialty occupations under H-1B visa, requiring a bachelor's degree in finance, economics, or a related field. U.S. banks, insurance carriers, and commercial lenders actively file LCAs for this role, making employer-sponsored visa pathways a realistic option for qualified international 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
This position is responsible for the delivery of integrated credit solutions to clients. Key responsibilities include underwriting and negotiating new transactions, partnering with client-facing teammates to consult on sales opportunities, and providing the product expertise to deliver effective client solutions. Job expectations include ensuring accurate and timely analysis of financial statements and assignment of risk ratings. Evaluate and underwrite new end-user credit opportunities, including the identification and assessment of all strengths, weaknesses and risks (including operational) associated with the opportunity as well as identifying and describing mitigating factors. Responsible for the evaluation, review and written analysis of all factors that affect an entity’s ability to repay and/or service their obligations in a timely manner. The complexity of the entities and related transactions requiring analysis can vary over a wide spectrum of industries. The LCO II uses their skill set to assess the appropriateness of existing solutions and to propose optimal financing alternatives or additional financing solutions. They are involved in managing credit quality and the approval process through their interaction with Risk Management Officers, GVF Marketing Officers and Credit Products Managers.
Responsibilities
- Evaluate new end-user credit opportunities including identification and assessment of risks and identifies mitigating factors
- Partner with client-facing teammates to consult on sales opportunities and provide the product expertise and consultation necessary to deliver the best possible solution to the client
- Underwrite new transactions, analyze credit risk, negotiate and close transactions, while adhering to internal policy, procedures and regulatory requirements
- Structure the terms of a lease/loan with respect to the various aspects that make up a lease/loan (e.g. pricing, rates, payment, term, collateral)
SKILLS
- Analytical Thinking
- Financial Analysis
- Financial Forecasting and Modeling
- Profitability Analysis
- Research Analysis
- Attention to Detail
- Business Acumen
- Credit and Risk Assessment
- Underwriting
- Written Communications
- Collaboration
- Critical Thinking
- Portfolio Analysis
- Prioritization
- Technical Documentation
BASIC QUALIFICATIONS
- 3+ years of commercial credit underwriting and credit analysis experience
- Must have effective presentation, structuring, financial statement and risk analysis skills
PREFERRED QUALIFICATIONS
Bachelor’s degree in Finance/Accounting or equivalent experience is preferred
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
This position is responsible for the delivery of integrated credit solutions to clients. Key responsibilities include underwriting and negotiating new transactions, partnering with client-facing teammates to consult on sales opportunities, and providing the product expertise to deliver effective client solutions. Job expectations include ensuring accurate and timely analysis of financial statements and assignment of risk ratings. Evaluate and underwrite new end-user credit opportunities, including the identification and assessment of all strengths, weaknesses and risks (including operational) associated with the opportunity as well as identifying and describing mitigating factors. Responsible for the evaluation, review and written analysis of all factors that affect an entity’s ability to repay and/or service their obligations in a timely manner. The complexity of the entities and related transactions requiring analysis can vary over a wide spectrum of industries. The LCO II uses their skill set to assess the appropriateness of existing solutions and to propose optimal financing alternatives or additional financing solutions. They are involved in managing credit quality and the approval process through their interaction with Risk Management Officers, GVF Marketing Officers and Credit Products Managers.
Responsibilities
- Evaluate new end-user credit opportunities including identification and assessment of risks and identifies mitigating factors
- Partner with client-facing teammates to consult on sales opportunities and provide the product expertise and consultation necessary to deliver the best possible solution to the client
- Underwrite new transactions, analyze credit risk, negotiate and close transactions, while adhering to internal policy, procedures and regulatory requirements
- Structure the terms of a lease/loan with respect to the various aspects that make up a lease/loan (e.g. pricing, rates, payment, term, collateral)
SKILLS
- Analytical Thinking
- Financial Analysis
- Financial Forecasting and Modeling
- Profitability Analysis
- Research Analysis
- Attention to Detail
- Business Acumen
- Credit and Risk Assessment
- Underwriting
- Written Communications
- Collaboration
- Critical Thinking
- Portfolio Analysis
- Prioritization
- Technical Documentation
BASIC QUALIFICATIONS
- 3+ years of commercial credit underwriting and credit analysis experience
- Must have effective presentation, structuring, financial statement and risk analysis skills
PREFERRED QUALIFICATIONS
Bachelor’s degree in Finance/Accounting or equivalent experience is preferred
SHIFT
1st shift (United States of America)
HOURS PER WEEK
40
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Get Access To All JobsTips for Finding Credit Underwriter Jobs
Align your credentials to specialty occupation standards
USCIS requires that your degree field directly relates to credit underwriting. A finance, economics, or accounting degree strengthens your case. If your degree is in a related but non-obvious field, gather documentation linking your coursework to credit risk analysis.
Target lenders with LCA filing history in credit
Commercial banks, credit unions, insurance carriers, and specialty finance companies file LCAs specifically for underwriting roles. Use the OFLC Wage Search to verify which employers have certified positions in this occupation before you apply.
Find verified sponsoring employers on Migrate Mate
Search Migrate Mate's job board to browse Credit Underwriter roles at employers with confirmed LCA sponsorship history. This saves you from applying to companies that have never sponsored the occupation you're targeting.
Check prevailing wage tiers before accepting an offer
Your employer's LCA must certify a wage at or above the DOL prevailing wage for your location and experience level. Use the OFLC Wage Search to look up the Level I through Level IV thresholds for credit underwriting in your metro area before negotiating.
Clarify H-1B cap timing with your hiring manager early
H-1B is subject to an annual cap and selection process, and the rules have changed recently. If you're not already in H-1B status, ask your employer to confirm their timeline and willingness to file before an offer becomes a sponsorship dead end.
Document portfolio authority and credit decision scope for PERM
If your employer pursues a green card through PERM labor certification, DOL requires a detailed job description showing the role genuinely requires a specialized degree. Keep records of your credit limit authority, risk rating decisions, and any industry-specific underwriting criteria you apply.
Frequently Asked Questions
Does a Credit Underwriter role qualify as a specialty occupation for H-1B?
Yes. Credit Underwriter positions typically qualify because employers require at least a bachelor's degree in finance, economics, accounting, or a closely related field. USCIS evaluates the connection between your degree and the specific duties of the role, so a job description that emphasizes financial analysis, risk modeling, and credit policy interpretation strengthens the specialty occupation argument.
Which visa types are available to foreign Credit Underwriters without a green card?
H-1B is the most common path, covering specialty occupations with an annual cap and lottery. Australian nationals can apply for the E-3 visa, which has a separate cap and no lottery. Chilean and Singaporean nationals may qualify for the H-1B1 visa. TN visa status is available to Canadian and Mexican nationals if the role fits the USMCA economist or accountant category, though underwriter is not explicitly listed.
How do I find Credit Underwriter jobs where the employer already sponsors visas?
Migrate Mate lists Credit Underwriter roles at employers with verified LCA sponsorship history, so you can focus your applications on companies that have already committed to sponsoring this occupation rather than guessing at employer willingness.
Will a three-year bachelor's degree from outside the U.S. satisfy the specialty occupation requirement?
It depends on how USCIS evaluates the equivalency. A three-year degree from Australia or the U.K. is often accepted as equivalent to a U.S. four-year degree when a credential evaluation confirms the academic level. Some employers request a formal evaluation from a recognized credential agency before filing the I-129 petition to reduce the risk of a Request for Evidence from USCIS.
Can a Credit Underwriter on OPT or STEM OPT get sponsored for H-1B by their employer?
Yes. If you're working in a credit underwriting role that directly relates to your STEM-designated degree, your employer can file an H-1B petition on your behalf. STEM OPT extends F-1 work authorization for 24 months, giving you more time to remain employed while waiting for H-1B selection. Your employer must be enrolled in E-Verify to authorize STEM OPT.
What is the prevailing wage requirement for sponsored Credit Underwriter 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.