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Collateral Underwriter Jobs in Florida (NOW HIRING)

CRE Finance Council

SVP Credit Underwriter

Miami, FL · On-site

Underwrite complex commercial loan requests, primarily C&I and Commercial Real Estate (CRE ... Evaluate loan structure, collateral, guarantor strength, and overall credit risk. * Recommend loan ...

AMERICAN BANCSHARES MORTGAGE LLC

Underwriter

Miami, FL · On-site

Job purpose The Underwriter is responsible for validating income, asset, and collateral documents including self-employed tax returns. The Underwriter may be involved in one or several types of ...

HomeXpress Mortgage Corp

Underwriter

Tampa, FL · On-site +1

$70K - $80K/yr

Assisting Underwriters as needed to move pipeline in a forward trajectory * Verify completeness of ... Analyze all areas of the mortgage loan application; including credit, income, assets, collateral ...

AD Mortgage

VA Senior Underwriter

Fort Lauderdale, FL · On-site

$93K - $111K/yr

Evaluate appraisals and collateral documentation for accuracy and completeness * Issue clear and concise underwriting decisions, including conditions and loan stipulations * Communicate effectively ...

AD Mortgage

VA Senior Underwriter

Fort Lauderdale, FL · On-site +1

$93K - $111K/yr

Key Responsibilities • Review and underwrite VA mortgage loan files to ensure compliance with VA, investor, and company guidelines • Analyze borrower credit, income, assets, and collateral to ...

Homexpress Mortgage Corp

Underwriter

Tampa, FL

$70K - $80K/yr

Assisting Underwriters as needed to move pipeline in a forward trajectory * Verify completeness of ... Analyze all areas of the mortgage loan application; including credit, income, assets, collateral ...

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All JobsCollateral Underwriter JobsCollateral Underwriter Jobs in Florida

Collateral Underwriter information

See Florida salary details

$24.3K

$58.9K

$104.2K

How much do collateral underwriter jobs pay per year?

As of Sep 12, 2026, the average yearly pay for collateral underwriter in Florida is $58,945.00, according to ZipRecruiter salary data. Most workers in this role earn between $45,600.00 and $65,000.00 per year, depending on experience, location, and employer.

What is a collateral underwriter?

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 skills and qualifications are needed to be a collateral underwriter?

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 challenges do collateral underwriters face 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.

Is it hard to become a collateral underwriter?

Becoming a collateral underwriter typically requires a bachelor's degree in finance, real estate, or a related field, along with strong analytical skills and knowledge of loan and collateral evaluation. Gaining experience through internships or entry-level positions in lending or underwriting can also be helpful; certifications like the Certified Commercial Investment Member (CCIM) may enhance prospects. The role involves detailed analysis and attention to detail, but the difficulty varies based on individual background and training.

What are popular job titles related to Collateral Underwriter jobs in Florida?

For Collateral Underwriter jobs in Florida, the most frequently searched job titles are:

What job categories do people searching Collateral Underwriter jobs in Florida look for?

The top searched job categories for Collateral Underwriter jobs in Florida are:

What cities in Florida are hiring for Collateral Underwriter jobs?

Cities in Florida with the most Collateral Underwriter job openings:

Collateral Underwriter jobs near you
Infographic showing various Collateral Underwriter job openings in Florida as of September 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $58,945 per year, or $28.3 per hour.

SVP Credit Underwriter

Miami, FL • On-site

CRE Finance Council
See more jobs at CRE Finance Councilexternal

Other

Posted 7 days ago

Job description

This is a banking position

We are seeking an experienced Credit Underwriter to underwrite and analyze complex commercial credit requests across C&I, CRE, construction, and owner-occupied lending. This individual will prepare detailed credit presentations, assess risk, structure loan requests, and partner closely with Relationship Managers to support sound lending decisions while maintaining compliance with the bank's credit policy.

Essential Responsibilities
  • Underwrite complex commercial loan requests, primarily C&I and Commercial Real Estate (CRE).
  • Perform detailed financial statement, tax return, cash flow, and global cash flow analysis.
  • Prepare comprehensive Credit Approval Memorandums (CAMs) and credit presentations.
  • Evaluate loan structure, collateral, guarantor strength, and overall credit risk.
  • Recommend loan terms, covenants, risk ratings, and alternative credit structures when appropriate.
  • Analyze corporate and personal financial statements, tax returns, and borrower creditworthiness.
  • Conduct UCC searches, credit reports, bank/trade reference verification, and industry research.
  • Perform collateral analysis, including real estate appraisals, inventory, receivables, and other assets.
  • Partner with Relationship Managers and customers to discuss loan structures and financial trends.
  • Complete annual reviews for assigned commercial loan relationships.
  • Monitor covenant compliance, borrowing bases, and ongoing portfolio risk.
  • Participate in ACL analysis, credit stress testing, loan reviews, and regulatory examinations.
  • Mentor and provide guidance to junior Credit Analysts by reviewing credit presentations and underwriting work.
  • Ensure compliance with internal credit policies and regulatory requirements.
Job Qualifications
  • Bachelor's degree in Finance, Accounting, Business, or related field preferred.
  • 5+ years of commercial credit underwriting experience within a bank.
  • Strong experience underwriting Commercial & Industrial (C&I) and Commercial Real Estate (CRE) loans.
  • Experience analyzing financial statements, tax returns, global cash flow, and collateral.
  • Ability to independently prepare Credit Approval Memorandums (CAMs).
  • Experience with construction lending and complex commercial credit structures preferred.
  • Knowledge of loan structuring, covenants, risk ratings, and credit policy.
  • Strong analytical, communication, and organizational skills.
  • Ability to manage multiple underwriting requests in a deadline-driven environment.
  • Experience mentoring junior credit analysts is a plus.
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