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Collateral Underwriter Jobs (NOW HIRING)

D.R. Horton, Inc

Collateral Underwriter

Austin, TX

Horton, Inc. is currently looking for a Collateral Underwriter . The right candidate is responsible for reviewing residential real estate appraisals (collateral to the mortgage) to identify ...

DR Horton

Collateral Underwriter

Austin, TX · On-site

Horton, Inc. is currently looking for a Collateral Underwriter . The right candidate is responsible for reviewing residential real estate appraisals (collateral to the mortgage) to identify ...

DHI Mortgage

Collateral Underwriter

Austin, TX

Horton, Inc. is currently looking for a Collateral Underwriter . The right candidate is responsible for reviewing residential real estate appraisals (collateral to the mortgage) to identify ...

DR Horton, Inc.

Collateral Underwriter

Austin, TX · On-site

Horton, Inc. is currently looking for a Collateral Underwriter . The right candidate is responsible for reviewing residential real estate appraisals (collateral to the mortgage) to identify ...

CrossCountry Mortgage

Collateral Underwriter

The Collateral Underwriter is responsible for the assessment of all subject collateral originated though the retail platform for conventional loans. Job Responsibilities: * Analyze, evaluate, and ...

Orion Lending

Be Seen First

Collateral Underwriter/Appraiser (REMOTE)

Orange, CA · Remote

$33.50 - $43/hr

Position Summary The responsibilities for the Collateral Underwriter will include the appraisal review of residential 1-to-4-unit properties on a national level, to ensure all appraisal reports ...

DR Horton, Inc.

Collateral Review Specialist

Austin, TX · On-site

Review Collateral Underwriter appraisal scores of 4.0 and higher for acceptability * Conduct all business in a professional and ethical manner to serve customers and increase the goodwill and profit ...

DR Horton

Collateral Review Specialist

Austin, TX · On-site

Review Collateral Underwriter appraisal scores of 4.0 and higher for acceptability * Conduct all business in a professional and ethical manner to serve customers and increase the goodwill and profit ...

DHI Mortgage

Collateral Review Specialist

Austin, TX · On-site

Review Collateral Underwriter appraisal scores of 4.0 and higher for acceptability * Conduct all business in a professional and ethical manner to serve customers and increase the goodwill and profit ...

DR Horton, Inc.

Underwriter

Austin, TX · On-site

Prioritize RUSH's, Collateral Underwriter conditions, and newly submitted loans to meet the required turn-around time, acting on a minimum (if volume is present) of 100 loans monthly * Maintain full ...

D.R. Horton, Inc

Underwriter

Austin, TX · On-site

Prioritize RUSH's, Collateral Underwriter conditions, and newly submitted loans to meet the required turn-around time, acting on a minimum (if volume is present) of 100 loans monthly * Maintain full ...

DHI Mortgage

Underwriter

Austin, TX

Prioritize RUSH's, Collateral Underwriter conditions, and newly submitted loans to meet the required turn-around time, acting on a minimum (if volume is present) of 100 loans monthly * Maintain full ...

DR Horton

Underwriter

Austin, TX · On-site

Prioritize RUSH's, Collateral Underwriter conditions, and newly submitted loans to meet the required turn-around time, acting on a minimum (if volume is present) of 100 loans monthly * Maintain full ...

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Collateral Underwriter information

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$32.5K

$78.9K

$139.5K

How much do collateral underwriter jobs pay per year?

As of Jul 15, 2026, the average yearly pay for collateral underwriter in the United States is $78,878.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $87,000.00 per year, depending on experience, location, and employer.

Do I need a degree to be a loan underwriter?

A degree is not strictly required to become a collateral underwriter, but many employers prefer candidates with a bachelor's degree in finance, real estate, or related fields. Relevant skills such as knowledge of appraisal processes, financial analysis, and familiarity with underwriting software are also important for the role.

What are red flags for underwriters?

Red flags for collateral underwriters include inconsistent or incomplete documentation, discrepancies in property or borrower information, and signs of potential fraud or misrepresentation. These issues can indicate higher risk and may require further investigation or additional collateral review. Attention to detail and thorough analysis are essential to identify such red flags effectively.

What are some typical challenges faced by Collateral Underwriters, and how are they addressed?

Collateral Underwriters often encounter challenges such as complex property valuations, incomplete or inconsistent documentation, and tight deadlines for loan approvals. Addressing these issues typically involves close collaboration with appraisers, borrowers, and internal teams to gather accurate data and ensure thorough due diligence. Utilizing up-to-date technology and maintaining a strong understanding of market conditions and regulatory changes can help underwriters make informed decisions. Developing excellent organizational and communication skills also aids in managing workflow and resolving issues efficiently. Being proactive and adaptable is key to overcoming day-to-day hurdles in this important risk management role.

What is the highest paying underwriting job?

Senior or executive-level underwriting roles, such as Chief Underwriting Officer or Vice President of Underwriting, tend to be the highest paying in the industry. These positions require extensive experience, leadership skills, and often involve overseeing large portfolios or strategic decision-making, resulting in higher compensation compared to entry- or mid-level underwriting jobs.

What is a Collateral Underwriter job?

A Collateral Underwriter is responsible for evaluating the value and risk associated with real estate used as loan collateral. They analyze appraisal reports, market trends, and regulatory guidelines to ensure accuracy and compliance. Their role helps lenders mitigate risks by determining whether a property's valuation supports the loan amount. Strong analytical skills and knowledge of underwriting guidelines are essential for this position.

What are the key skills and qualifications needed to thrive in the Collateral Underwriter position, and why are they important?

To thrive as a Collateral Underwriter, a solid background in real estate valuation, risk analysis, and loan underwriting—often supported by a bachelor’s degree in finance, business, or a related field—is essential. Familiarity with industry-standard appraisal software, loan origination systems (LOS), and knowledge of regulatory guidelines like USPAP and FNMA/FHLMC standards are typically required. Strong analytical thinking, attention to detail, and effective written and verbal communication skills help set top performers apart. These skills ensure accurate collateral evaluation, sound risk mitigation, and smooth collaboration with loan officers, appraisers, and compliance teams.

What does a collateral underwriter do?

A collateral underwriter evaluates the value and risk of collateral assets, such as real estate or equipment, to determine their adequacy for securing a loan. They review appraisal reports, financial documents, and property details, often using specialized software, to ensure the collateral meets lending criteria and mitigate risk for lenders.
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Collateral Underwriter jobs near you
Infographic showing various Collateral Underwriter job openings in the United States as of July 2026, with employment types broken down into 96% Full Time, 3% Part Time, and 1% Contract. Highlights an 93% Physical, 2% Hybrid, and 5% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.
Collateral Underwriter

Collateral Underwriter

D.R. Horton, Inc

Austin, TX

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 12 days ago

D.R. Horton rating

7.4

Company rating: 7.4 out of 10

Based on 34 frontline employees who took The Breakroom Quiz

34th of 79 rated construction

Job description

D.R. Horton, Inc., the largest homebuilder in the U.S., was founded in 1978 and is a publicly traded company on the New York Stock Exchange. It is engaged in the construction and sale of high quality homes designed principally for the entry-level and first time move-up markets. The Company also provides mortgage financing and title services for homebuyers through its mortgage and title subsidiaries.  Please visit our website at www.drhorton.com for more information.


D.R. Horton, Inc. is currently looking for a Collateral Underwriter. The right candidate is responsible for reviewing residential real estate appraisals (collateral to the mortgage) to identify heightened risk valuation, appraisal quality, property eligibility and property compliance violations.

Essential Duties and Responsibilities include the following. Other duties may be assigned.

  • Review collateral documentation daily as assigned by the Underwriting Manager, Assistant Underwriting Manager or Team Lead
  • Review and underwrite collateral to ensure the documentation meets investor and program criteria
  • Review Uniform Collateral Data Portal (UCDP) findings, address appraisal comparable selection, review for marketability and valuation acceptance, and confirm appraisal is completed to Fannie Mae or Freddie Mac standards
  • Review appraisal against title, flood cert, purchase agreement, etc. for accuracy & consistency
  • Prioritize collateral documentation reviews to meet departmental turn times
  • Successfully underwrite collateral documentation for loans as defined by the Underwriting Manager, Assistant Underwriting Manager or Team Lead
  • Ability to review other loan conditions as assigned by the Underwriting Manger
  • Review and respond to internal and external audits
  • Perform audits as required
  • Conducts all business in a professional and ethical manner to serve customers and increase the goodwill and profit of the company
  • Ability to work overtime

 

Education and/or Experience

  • High school diploma or general education degree (GED)
  • Three to six months of related experience and/or training
  • Strong verbal and written communication skills
  • Superb organizational skills and provide attention to detail
  • Solid time management skills with a proven ability to meet deadlines
  • Strong analytical and problem-solving skills
  • Proficiency with or the ability to quickly learn the organization’s systems
  • Ability to prioritize tasks
  • Ability to act with integrity, professionalism, and confidentiality
  • Proficiency with MS Office and email required

 

Preferred Qualifications

  • Bachelor’s degree from a four-year college or university preferred

Come join a winning team with a Fortune 500 company! We are growing fast and are looking for enthusiastic attitudes and team players to join our success. We offer an excellent benefits package including:

  • Medical, Dental and Vision
  • 401(K)
  • Employee Stock Purchase Plan
  • Flex Spending Accounts
  • Life & Disability Insurance
  • Vacation, Sick, Personal Time and Company Holidays
  • Multiple Voluntary and Company provided Benefits

Build YOUR future with D.R. Horton, America’s Builder.  #WeBuildPeopleToo

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