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Collateral Underwriter Jobs in Texas (NOW HIRING)

The Hartford

Captives Underwriter

Houston, TX · Hybrid

$124K - $199K/yr

... collateral management. * Possesses a deep understanding of the business. * Demonstrated ... Production Underwriting and Sales * Exhibits a commitment to finding ways to write profitable new ...

The Hartford

Captives Underwriter

Frisco, TX · Hybrid

$124K - $199K/yr

... collateral management. * Possesses a deep understanding of the business. * Demonstrated ... Production Underwriting and Sales * Exhibits a commitment to finding ways to write profitable new ...

PeopleFund Default

Underwriter I

Austin, TX · On-site

Structure and underwrite FlashFund and SBA Microloan loan requests with a focus on repayment analysis, collateral support, personal credit profile, and eligibility/alignment with PeopleFund's mission.

PeopleFund

Underwriter I

Austin, TX · On-site

Structure and underwrite FlashFund and SBA Microloan loan requests with a focus on repayment analysis, collateral support, personal credit profile, and eligibility/alignment with PeopleFund's mission.

PeopleFund

Underwriter I

Austin, TX

Structure and underwrite FlashFund and SBA Microloan loan requests with a focus on repayment analysis, collateral support, personal credit profile, and eligibility/alignment with PeopleFund's mission.

SoFi

Mortgage Underwriter

Frisco, TX · Hybrid

Review and underwrite mortgage applications using investor/GSE guidelines ... Perform detailed analysis of borrower credit, income, and collateral - including complex and self ...

Sunflower Bank NA

Mortgage Underwriter III

Plano, TX · On-site

... capital and collateral. * Apply underwriting rules from multiple sources to accurately and ... consistently review individual loan applications. Formulate approval conditions, as appropriate.

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All JobsCollateral Underwriter JobsCollateral Underwriter Jobs in Texas

Collateral Underwriter information

See Texas salary details

$30.3K

$73.5K

$130K

How much do collateral underwriter jobs pay per year?

As of Aug 18, 2026, the average yearly pay for collateral underwriter in Texas is $73,487.00, according to ZipRecruiter salary data. Most workers in this role earn between $56,800.00 and $81,100.00 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 Texas?

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

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

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

Collateral Underwriter jobs near you
Infographic showing various Collateral Underwriter job openings in Texas as of August 2026, with employment types broken down into 100% Full Time. Highlights an 89% In-person, and 11% Hybrid job distribution, with an average salary of $73,487 per year, or $35.3 per hour.

Loan Underwriter

Coastal Community Federal Credit Union

Galveston, TX • On-site

Full-time

Re-posted 23 days ago

Job description

Description

 The Loan Underwriter is responsible for evaluating loan applications and determining credit worthiness in accordance with internal policies, regulatory requirements, and sound lending practices. This position analyzes financial information, assesses risk, and ensures loans are structured to protect the financial institution while serving member needs.

Requirements

 Essential Duties and Responsibilities:

Review, analyze, and underwrite consumer, mortgage, business and/or commercial loan applications

Evaluate credit reports, income documentation, tax returns, bank statements, appraisals, and collateral documentation.

Assess borrower capacity, credit history, collateral adequacy, and overall risk profile.

Ensure compliance with federal and state lending regulations (e.g Fair Lending, TRID, HMDA, ECOA, Reg B).

Make approval, denial, or counteroffer decisions within assigned lending authority.

Provide detailed loan stipulations and communicate conditions to lending staff.

Work closely with loan officers, processors, and branch staff to gather additional documentation.

Maintain documentation and decision rationale in loan file.

Monitor and manage pipeline to ensure timely decisions and service level standards.

Identify potential fraud or misrepresentation concerns.

Assist with audits and regulatory examinations as required.

Recommend policy improvements based on underwriting trends and risk patterns.

Qualifications

Education and Experience:

Bachelor's degree in finance, Business, Accounting or related field preferred.

3-5 years of underwriting experience (consumer, mortgage, and/or commercial).

Experienced in a bank or credit union environment preferred.

Knowledge and Skills

Strong understanding of credit analysis and risk assessment

Knowledge of lending regulations and compliance requirements.

Ability to analyze financial statements and tax returns.

Excellent analytical and decision-making skills.

Strong written and verbal communication skills.

Detail-oriented with strong organizational abilities.

Proficiency in loan origination systems and Microsoft Office.

Competencies:

Sound judgment

Risk assessment and mitigation

Regulatory compliance awareness

Time Management

Collaboration and communication

Confidentiality and discretion

Physical Requirements:

Prolonged periods of sitting at a desk and working on a computer.

Occasional lifting of files up to 20lbs

Work Environment:

Office environment within a financial institution

Standard business hours with occasional extended hours based on loan volume.


***Greater Houston Area Applicants Only

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