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Bank Underwriting Jobs in Riverside, CA (NOW HIRING)

Sunflower Bank NA

Mortgage Loan Processor III

Irvine, CA · On-site +1

$33 - $36/hr

Description At Sunflower Bank, N.A., we're experiencing great growth. Since our founding in 1892 ... A Processor supports loan applicants, loan officers, underwriters and appropriate third parties by ...

Sunflower Bank NA

Mortgage Loan Processor III

Irvine, CA · On-site

$33 - $36/hr

Learn more about Sunflower Bank at sunflowerbank.com. Sunflower Bank, N.A. is looking for an ... A Processor supports loan applicants, loan officers, underwriters and appropriate third parties by ...

Sunflower Bank NA

Private Banker

Irvine, CA · On-site

$132K - $205K/yr

Description At Sunflower Bank, N.A., we're experiencing great growth. Since our founding in 1892 ... Must possess a high-level of credit underwriting skills for High-Net-Worth individuals and families.

Sunflower Bank NA

Private Banker

Irvine, CA · On-site

$132K - $205K/yr

Sunflower Bank, N.A. is looking for an energetic, highly motivated individual to fill the position ... Must possess a high-level of credit underwriting skills for High-Net-Worth individuals and families.

Orion Lending

Be Seen First

Collateral Underwriter/Appraiser (REMOTE)

Orange, CA · Remote

$33.50 - $43/hr

A minimum of 3-5 years of mortgage loan underwriting including the review of residential appraisal ... Banker founded by proven industry leaders who bring a legacy of success and ambition to the ...

U.S. Bank

Mortgage Loan Originator

San Bernardino, CA · On-site

$20/hr

... banking experience - Ability to travel Preferred Skills/Experience - Well-developed sales ability - Basic knowledge of pricing and underwriting requirements of various mortgage insurance companies ...

Berkley

Surety Underwriter

Irvine, CA · On-site

$125K/yr

Berkley Surety is a highly professional, service-oriented surety underwriting management company ... Banking or Credit Analysis background is a plus Additional Qualifications * Demonstrates the ...

Sunflower Bank, N.A.

Private Banker

Irvine, CA · On-site

$132K - $205K/yr

At Sunflower Bank, N.A., we're experiencing great growth. Since our founding in 1892, we've been ... Must possess a high-level of credit underwriting skills for High-Net-Worth individuals and families.

Sunwest Bank

CRE Relationship Manager

Irvine, CA · On-site

$150K - $190K/yr

Bachelor's degree in Finance, Business, Real Estate, or related field * 5+ years of experience in commercial real estate lending or banking * Strong understanding of CRE underwriting, financial ...

Sunwest Bank

CRE Relationship Manager

Irvine, CA · On-site

$150K - $190K/yr

Bachelor's degree in Finance, Business, Real Estate, or related field * 5+ years of experience in commercial real estate lending or banking * Strong understanding of CRE underwriting, financial ...

Berkley

Surety Underwriter

Irvine, CA

$125K/yr

Company Details Berkley Surety is a highly professional, service-oriented surety underwriting ... Banking or Credit Analysis background is a plus Additional Qualifications * Demonstrates the ...

Berkley

Surety Underwriter

Irvine, CA · On-site

$125K/yr

Company Details Berkley Surety is a highly professional, service-oriented surety underwriting ... Banking or Credit Analysis background is a plus Additional Qualifications * Demonstrates the ...

US Bank

Credit Analyst

Orange, CA · On-site

Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make ... Preferred candidates will possess experience in mortgage lending, underwriting, secondary market ...

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All JobsBank Underwriting JobsBank Underwriting Jobs in Riverside, CA

Bank Underwriting information

See Riverside, CA salary details

$13

$23

$34

How much do bank underwriting jobs pay per hour?

As of Aug 8, 2026, the average hourly pay for bank underwriting in Riverside, CA is $23.74, according to ZipRecruiter salary data. Most workers in this role earn between $19.57 and $26.83 per hour, depending on experience, location, and employer.

What is bank underwriting?

Bank underwriting is the process by which a financial institution evaluates the risk of lending money to a borrower or insuring an individual or asset. Underwriters review credit history, financial information, and other factors to determine whether an applicant qualifies for a loan or insurance and under what terms. This process helps banks minimize risk and maintain sound lending practices. Underwriting can apply to mortgages, personal loans, business loans, and other financial products.

Do bank underwriters make a lot of money?

Bank underwriters typically earn a median annual salary that is competitive within the financial industry, with salaries varying based on experience, location, and the size of the institution. Entry-level underwriters may earn less, while experienced professionals with certifications can earn higher salaries, often supplemented by bonuses and benefits. Overall, it is considered a well-paying role for those with relevant skills and industry knowledge.

What is the difference between Bank Underwriting vs Loan Officer?

AspectBank UnderwritingLoan Officer
Primary RoleAssessing and evaluating loan applications to determine risk and approvalSelling loan products and guiding applicants through the application process
Required CredentialsTypically requires underwriting certifications, finance or banking experienceSales and customer service skills, sometimes mortgage licensing
Work EnvironmentOffice-based, working with loan documents and risk analysisOffice or branch, interacting directly with clients
Industry UsageCommon in banking and financial institutionsCommon in mortgage and lending companies

Bank Underwriting focuses on evaluating loan applications for risk, while Loan Officers primarily assist clients in applying for loans and promoting loan products. Both roles are integral to the lending process but differ in responsibilities and daily tasks.

Is bank underwriting a good career to get into?

Bank underwriting is a stable career that involves assessing the risk of loan applications and requires strong analytical skills and attention to detail. It often offers opportunities for advancement and requires knowledge of financial statements and credit analysis. The role typically involves regular office hours and may require relevant certifications or training.

What does a bank underwriter do at a bank?

A bank underwriter evaluates loan applications by analyzing borrowers' financial information, credit history, and collateral to determine the risk of lending. They use financial models and guidelines to approve, modify, or deny loan requests, ensuring compliance with bank policies and regulatory standards. Strong analytical skills and knowledge of financial software are essential for this role.

What are the key skills and qualifications needed to thrive as a bank underwriter, and why are they important?

To thrive as a Bank Underwriter, you need a solid understanding of financial analysis, risk assessment, and relevant lending regulations, often supported by a degree in finance, accounting, or a related field. Familiarity with loan origination systems, credit scoring software, and compliance tools is typically required, and certifications like Certified Residential Underwriter (CRU) can be advantageous. Strong analytical thinking, attention to detail, and effective communication are essential soft skills for evaluating complex financial information and explaining decisions. These skills ensure accurate risk evaluation and regulatory compliance, which are critical for protecting the bank's assets and maintaining sound lending practices.

What are some common challenges faced by bank underwriters, and how can they be managed?

Bank underwriters frequently encounter challenges such as assessing incomplete or inconsistent financial information, managing tight deadlines, and balancing risk with customer service. To manage these issues, underwriters rely on strong analytical skills, effective communication with loan officers and applicants for clarification, and staying up-to-date with regulatory requirements. Collaborating closely with credit analysts and using advanced underwriting tools can also help streamline the evaluation process and ensure accurate risk assessment.
What are popular job titles related to Bank Underwriting jobs in Riverside, CA? For Bank Underwriting jobs in Riverside, CA, the most frequently searched job titles are:
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What cities near Riverside, CA are hiring for Bank Underwriting jobs? Cities near Riverside, CA with the most Bank Underwriting job openings:
Bank Underwriting jobs near you
Infographic showing various Bank Underwriting job openings in Riverside, CA as of August 2026, with employment types broken down into 85% Full Time, 14% Part Time, and 1% Contract. Highlights an 94% Physical, 3% Hybrid, and 3% Remote job distribution, with an average salary of $49,371 per year, or $23.7 per hour.

Senior Government Underwriter

HomeXpress Mortgage Corp

Santa Ana, CA • On-site

$102K - $121K/yr

Full-time

This job post has expired today. Applications are no longer accepted.

Job description

Company Description

HomeXpress – Your Leading Non-QM Mortgage Lender.

Join our growing team and be part of the Top Non-QM Lender in the Business.

We are known for closing mortgage loans with speed, ease, and convenience.

Licensed in 46 States, we provide brokers with a full suite of mortgage products, including VA, FHA, & FHLMC.

If you have a service first mentality and thrive in a fast-paced environment, HomeXpress is the place for you.

Join us as we continue to grow and expand our business to the Non-Delegated Correspondent Channel!

Job Description

Job Title:              Senior Government Underwriter

Department:      Agency Operations

Reports To:         Agency Operations Manager

PRIMARY FUNCTIONS: The Underwriter (UW) applies necessary conditions to ensure that borrowers meet program specifications by drawing upon thorough knowledge of residential mortgage underwriting guidelines. They will also act as a “knowledge bank” in support of various departments and be a conduit of that knowledge both internally and to HomeXpress Mortgage’s clients.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

  • Analyze submitted files for repayment capacity, capital, character, collateral, and property condition while adhering to HomeXpress credit policies and guidelines
  • Properly Condition loans per Underwriting Guidelines and AUS as applicable
  • Communicate decisions to appropriate individuals
  • Clear all underwriting conditions
  • Ensure the highest quality and level of customer satisfaction
  • Resolve Quality Control and Post Closing deficiencies
  • Collaborate with sales for positive customer experience

DESIRED PERSONAL CHARACTERISTICS:

  • Detail oriented and committed to the highest quality
  • Self-Starter with positive Can-Do attitude
  • Works well under pressure and relishes the responsibility that comes with the job
  • Problem solving and analysis
  • Decision making
  • Results driven
  • Communication proficiency
  • An open-minded individual that embraces change and innovation

JOB REQUIREMENTS:

  • Render decisions, clear conditions, and issue CTC
  • Meet daily and monthly targets for productivity
  • Maintain acceptable quality, and
  • Provide a high level of customer service

EDUCATION:

  • High school diploma

EXPERIENCE:

  • 5+ years of experience in mortgage underwriting
  • At least one government underwriting designation:
    • VA LAPP/SAR, or
    • FHA DE
  • Manual underwriting to FHA and VA handbook requirements
  • AUS proficient
  • Computer proficient in Excel, Word, Outlook, and various LOS
  • Demonstrate strong history of good time management skills, decision making ability, critical thinking and attention to detail.
  • Ability to communicate issues between several audiences proficiently
  • Achieves and exceeds work goals for productivity, quality, and turnaround time by prioritizing workflow and managing pipeline

PHYSICAL REQUIREMENTS:

  • This position is in an office setting / remote with computer and general office equipment. The position requires the ability to move freely around within the department and other department locations.
Additional Information

All your information will be kept confidential according to EEO guidelines.

  • Compensation: USD 90000 - USD 100000 - yearly

    • Apply