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Assistant Underwriter Jobs in Spring, TX (NOW HIRING)

FocusOne

Jr Underwriter

Houston, TX · On-site

Underwriting Support & Loan Status Management (10%) * Assist underwriters by ordering and reviewing flood certifications, confirming flood zone determinations, and identifying flood insurance ...

Munich RE

Senior Client Company Underwriter

Houston, TX · On-site

$94K - $111K/yr

Provide guidance to peers and client companies, sharing underwriting knowledge and offering training support. * Assist underwriters with sales call preparation and proposal development. * Foster a ...

Munich Re

Senior Client Company Underwriter

Houston, TX · Remote

$94K - $111K/yr

Provide guidance to peers and client companies, sharing underwriting knowledge and offering training support. * Assist underwriters with sales call preparation and proposal development. * Foster a ...

H.W. Kaufman Group

Associate Underwriter

Houston, TX · Hybrid

Screen renewal applications and send out renewal letters; perform some of the underwriting and prepare quotes for underwriter approval * Assist with new business development * Order and follow up on ...

Burns & Wilcox

Associate Underwriter

Houston, TX · On-site

Screen renewal applications and send out renewal letters; perform some of the underwriting and prepare quotes for underwriter approval * Assist with new business development * Order and follow up on ...

THIRD COAST BANK

Senior Underwriter

Houston, TX · On-site

$90K - $107K/yr

Proactive about identifying/delivering process improvements and helping establish best practices for the team. * Assist with the training and development of other more junior underwriters. * Build ...

The Hartford

Captives Underwriter

Houston, TX · Hybrid

$124K - $199K/yr

Senior Executive Underwriter - UW07CCExecutive Underwriter - UW07CD We're determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies.

THIRD COAST BANK

Senior Underwriter

Humble, TX · On-site

$85K - $100K/yr

Responsible for underwriting new and existing loans for the Corporate Banking team. Assist teams in portfolio management activities. Ensures portfolio achieves soundness, profitability, and growth ...

NEWMARK

Sr. Commercial Underwriter

Houston, TX · On-site

Provide underwriting guidance and support to commercial escrow officers * Assist in resolving underwriting objections raised by lenders, borrowers, and counsel * Support claims avoidance efforts ...

NEWMARK

Sr. Commercial Underwriter

Houston, TX · On-site

Provide underwriting guidance and support to commercial escrow officers * Assist in resolving underwriting objections raised by lenders, borrowers, and counsel * Support claims avoidance efforts ...

Chubb

AVP, Executive Underwriter

Houston, TX · On-site

As an underwriting member of the CHUBB Westchester Specialty Casualty Division, this position will work within their local team to achieve profitable underwriting results through the growth ...

Chubb

AVP, Executive Underwriter

Houston, TX · Hybrid

As an underwriting member of the CHUBB Westchester Specialty Casualty Division, this position will work within their local team to achieve profitable underwriting results through the growth ...

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All JobsUnderwriter JobsAssistant Underwriter JobsAssistant Underwriter Jobs in Spring, TX

Assistant Underwriter information

See Spring, TX salary details

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How much do assistant underwriter jobs pay per hour?

As of Jul 13, 2026, the average hourly pay for assistant underwriter in Spring, TX is $20.83, according to ZipRecruiter salary data. Most workers in this role earn between $17.16 and $23.56 per hour, depending on experience, location, and employer.

What are Assistant Underwriters?

Assistant Underwriters are professionals who support underwriters in evaluating insurance applications, assessing risk, and determining appropriate coverage and premiums. They gather and review relevant information, process paperwork, and communicate with clients, agents, and other stakeholders. Assistant Underwriters play a crucial role in ensuring the underwriting process runs smoothly and efficiently, often serving as a bridge between clients and senior underwriters. Their responsibilities may also include data entry, preparing reports, and maintaining accurate records. This entry-level position offers valuable experience for those interested in advancing within the insurance industry.

What are the key skills and qualifications needed to thrive as an Assistant Underwriter, and why are they important?

To thrive as an Assistant Underwriter, you need strong analytical skills, attention to detail, and a foundational understanding of insurance principles, often supported by a bachelor's degree in finance, business, or a related field. Familiarity with underwriting software, risk assessment tools, and sometimes certifications such as the Chartered Property Casualty Underwriter (CPCU) designation are valuable. Excellent organizational skills, communication abilities, and teamwork make candidates stand out in supporting underwriters and interacting with clients. These competencies are crucial for accurately assessing risk, ensuring compliance, and contributing to efficient underwriting processes.

What are some common challenges Assistant Underwriters face when supporting the underwriting process?

Assistant Underwriters often manage multiple tasks simultaneously, such as gathering client information, analyzing risk factors, and ensuring documentation accuracy. One common challenge is balancing administrative duties with the need to develop a strong understanding of underwriting guidelines and risk assessment criteria. Additionally, Assistant Underwriters must effectively communicate with brokers, agents, and senior underwriters to clarify requirements and resolve discrepancies. Adapting to evolving industry regulations and technology platforms is also essential for success in this role.

What is the difference between Assistant Underwriter vs Underwriter?

AspectAssistant UnderwriterUnderwriter
CredentialsTypically requires a bachelor's degree, sometimes an insurance certificationSame as Assistant Underwriter, often with additional experience or certifications
Work EnvironmentSupports senior underwriters, reviews applications, gathers dataEvaluates risks, makes final approval decisions
Industry UsageCommon entry-level or support role in insurance companiesMid-level or senior role responsible for risk assessment

The main difference between an Assistant Underwriter and an Underwriter lies in responsibility and decision-making authority. Assistant Underwriters support underwriters by preparing and reviewing applications, while underwriters make the final risk assessments and approval decisions. Both roles require similar credentials and work within the same industry environment, but the underwriter holds greater responsibility and experience.

What are the most commonly searched types of Underwriter jobs in Spring, TX? The most popular types of Underwriter jobs in Spring, TX are:
What are popular job titles related to Assistant Underwriter jobs in Spring, TX? For Assistant Underwriter jobs in Spring, TX, the most frequently searched job titles are:
What cities near Spring, TX are hiring for Assistant Underwriter jobs? Cities near Spring, TX with the most Assistant Underwriter job openings:
Assistant Underwriter jobs near you
Infographic showing various Assistant Underwriter job openings in Spring, TX as of July 2026, with employment types broken down into 1% As Needed, 74% Full Time, 22% Part Time, 1% Temporary, and 2% Contract. Highlights an 99% Physical, and 1% Remote job distribution, with an average salary of $43,330 per year, or $20.8 per hour.

Jr Underwriter

FocusOne Mortgage Solutions

Houston, TX • On-site

Full-time

Posted 7 days ago

Job description

Ready to take the next step in your mortgage career? FocusOne Mortgage is hiring a Junior Mortgage Underwriter (Hybrid) to join our growing team in Northwest Houston. This role offers hands-on experience underwriting Texas Home Equity loans while expanding your skills through backup closing responsibilities. If you're looking for a company that values teamwork, professional growth, and making an impact, apply today!
Position Summary
FocusOne Mortgage, LLC - a Texas-based credit union service organization and Fannie Mae / Freddie Mac direct seller-servicer - is seeking a Junior Mortgage Underwriter to join our Houston operations team. This role primarily underwrites our Texas home equity products, with a focus on the Streamlined Home Equity program (Texas Constitution Article XVI, Section 50(a)(6), first- and second-lien) and the Home Improvement program (Section 50(a)(5)). The position also serves as a backup closer and supports the underwriting team with file preparation and verifications, including managing loan-status dispositions for withdrawn and incomplete files.
This is a hands-on underwriting role with built-in cross-training in closing operations - an ideal fit for a candidate with one to three years of mortgage underwriting or processing experience who wants to deepen their Texas home equity expertise and broaden into closing.
Primary Responsibilities - Home Equity Underwriting (70%)
  • Underwrite Texas 50(a)(6) Streamlined Home Equity (1st and 2nd lien) and 50(a)(5) Home Improvement loan files for compliance with FocusOne credit policy, investor guidelines, and applicable Texas constitutional requirements.
  • Analyze borrower credit, income, assets, and employment using Encompass, Desktop Underwriter (DU), and third-party verification data (e.g., Argyle), and clear conditions to a final approval decision within delegated authority.
  • Confirm compliance with Texas home equity requirements, including the 80% combined loan-to-value limit, the 2% fee cap on 50(a)(6) loans, the 12-day pre-closing notice, the one-year seasoning rule, homestead and acreage limits, and permitted closing locations under Article XVI, Section 50(a)(6)(N).
  • Review property valuations in accordance with FocusOne policy (currently county appraisal district / CAD value, with automated valuation methodology under evaluation per the interagency AVM quality-control rule).
  • Document underwriting decisions, conditions, and exceptions clearly in the loan file; route credit union partner exceptions for approval through the Portfolio Agreement workflow where applicable.
  • Issue accurate adverse action / Notice of Incomplete Application communications in coordination with the ECOA Action workflow, within required timeframes.
  • Meet established turn-time and quality targets while maintaining a complete, audit-ready file.

Backup Closing Responsibilities (20%)
  • Prepare and review closing packages for accuracy, ensuring the Closing Disclosure, note, security instrument, and all home equity-specific disclosures are correct and properly executed.
  • Verify TRID timing and tolerance compliance, balance fees with title and settlement agents, and confirm figures tie to the approved terms and lock.
  • Confirm Texas 50(a)(6)-specific closing requirements are met, including the proper closing location, the borrower's right of rescission, and required acknowledgments and notices.
  • Coordinate signing, funding, and post-closing handoff with title companies, attorneys, settlement agents, and credit union partners.
  • Review post-closing trailing documents and assist in resolving funding and closing exceptions to keep files moving to sale or to the servicing portfolio.
  • Provide closing coverage during peak volume, staff absences, or deadline-driven periods to protect on-time closings.

Underwriting Support & Loan Status Management (10%)
  • Assist underwriters by ordering and reviewing flood certifications, confirming flood zone determinations, and identifying flood insurance requirements.
  • Verify homeowners / hazard insurance (and flood or windstorm coverage where applicable), confirming coverage amounts, effective dates, and the correct mortgagee clause.
  • Order and review credit reports; reconcile tradelines and verify outstanding liabilities, debts, and payoffs used in qualifying.
  • Set up and scrub new loan files in Encompass, order and track outstanding conditions, run Desktop Underwriter (DU), and prepare complete files for underwriter review.
  • Verify income, asset, and employment documentation in coordination with verification tools (e.g., Argyle).
  • Manage loan status and dispositions, including the withdrawn and incomplete / Notice of Incomplete Application processes - issuing and tracking required notices, updating Encompass milestones and statuses, and ensuring timely, compliant file closure.

Required Qualifications
  • One to three years of mortgage underwriting and/or loan processing experience, ideally including home equity, HELOC, or Texas residential lending.
  • Familiarity with TRID, ECOA, RESPA, and related federal mortgage lending regulations.
  • Proficiency with a loan origination system (Encompass strongly preferred) and Desktop Underwriter (DU).
  • Strong attention to detail, organizational skills, and the ability to manage a pipeline against turn-time and quality standards.
  • Clear written and verbal communication skills for interaction with internal teams, credit union partners, title companies, and settlement agents.
  • High school diploma or equivalent required.

Preferred Qualifications
  • Direct experience underwriting or closing Texas 50(a)(6) home equity or 50(a)(5) home improvement loans.
  • Prior closing, funding, or closing-disclosure preparation experience.
  • Experience in a credit union, CUSO, or seller-servicer environment.
  • Associate or bachelor's degree in finance, accounting, business, or a related field.
  • Hands-on experience working within Encompass loan files, milestones, and conditions.

Knowledge, Skills & Attributes
  • Judgment: sound credit and compliance decision-making within delegated authority, with the discipline to escalate when a file falls outside policy.
  • Adaptability: comfort moving between underwriting and closing responsibilities as business needs shift.
  • Accuracy: a documentation-first mindset that produces clean, audit-ready files in a heavily regulated Texas environment.
  • Collaboration: a team orientation that supports a small, fast-moving operations group serving credit union partners.

Work Environment
This is a full-time, hybrid position based out of FocusOne's Houston headquarters at 9601 Jones Rd, Suite 108, Houston, TX 77065, combining in-office and remote work per company schedule. The role operates in a standard office setting and requires extended periods of computer-based work. Minimal travel is expected.
This job description describes the general nature and level of work performed and is not an exhaustive list of all duties, responsibilities, or qualifications. Duties may be added, changed, or removed at any time at the company's discretion.
To Apply
Qualified candidates should submit a resume to FocusOne Mortgage Human Resources. FocusOne Mortgage, LLC (NMLS #105693) is an Equal Opportunity Employer.

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