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Consumer Underwriter Jobs (NOW HIRING)

F&M Bank

$65 - $85/hr

The Consumer Credit Underwriter is responsible for evaluating the creditworthiness of individuals applying for consumer loans, ensuring decisions align with lending policies, regulations, and risk ...

Addison Group

Consumer Loan Underwriter

Salt Lake City, UT · On-site

$60K - $80K/yr

Consumer Loan Underwriter Industry : Solar Financial Services Location (city, state): Salt Lake City, Utah Assignment Type: Direct Hire Pay : $60,000-$80,000 annually Work Schedule: Monday-Friday, 10 ...

FirstBank

Consumer Portfolio Manager

Birmingham, AL · On-site

Three years' experience as a Small Business or Consumer Underwriter or Portfolio Manager (or similar role) for a financial institution required. * High school diploma or equivalent required.

FirstBank

Consumer Portfolio Manager

Birmingham, AL · On-site

Three years' experience as a Small Business or Consumer Underwriter or Portfolio Manager (or similar role) for a financial institution required. * High school diploma or equivalent required.

FirstBank

Consumer Portfolio Manager

Birmingham, AL · On-site

Three years' experience as a Small Business or Consumer Underwriter or Portfolio Manager (or similar role) for a financial institution required. * High school diploma or equivalent required.

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How much do consumer underwriter jobs pay per hour?

As of Sep 6, 2026, the average hourly pay for consumer underwriter in the United States is $24.09, according to ZipRecruiter salary data. Most workers in this role earn between $20.43 and $26.92 per hour, depending on experience, location, and employer.

What does a consumer underwriter do?

A Consumer Underwriter reviews and evaluates loan applications from individuals seeking credit, such as personal loans, auto loans, or credit cards. Their main role is to assess an applicant’s financial situation, credit history, and ability to repay the loan, ensuring that the lender’s risk is minimized. They analyze documents like credit reports, income statements, and employment records. Consumer Underwriters also follow specific guidelines and policies to make fair lending decisions. Their work is crucial in helping financial institutions manage risk while supporting responsible borrowing.

What are the key skills and qualifications needed to thrive as a consumer underwriter?

To thrive as a Consumer Underwriter, you need strong analytical skills, attention to detail, and a solid understanding of credit risk assessment, typically supported by a degree in finance, business, or a related field. Familiarity with underwriting software, credit scoring systems, and financial analysis tools is essential. Excellent communication, sound judgment, and decision-making abilities set standout professionals apart in this role. These skills are crucial for accurately evaluating loan applications, mitigating risk, and ensuring compliance with lending policies.

What are some common challenges faced by consumer underwriters and how can they be addressed?

Consumer Underwriters often face challenges such as balancing risk assessment with customer service, keeping up with changing regulations, and managing high volumes of applications. To address these, strong analytical skills, attention to detail, and continuous professional development are essential. Collaborating closely with loan officers and credit analysts helps ensure accurate decisions, while ongoing training helps maintain compliance and up-to-date knowledge of industry standards.

What is the difference between Consumer Underwriter vs Mortgage Underwriter?

AspectConsumer UnderwriterMortgage Underwriter
CredentialsTypically requires a bachelor's degree in finance, business, or related field; certifications like CU (Certified Underwriter) are commonSimilar credentials; often holds a bachelor's degree and certifications such as CU or mortgage-specific licenses
Work EnvironmentWorks in banks, credit unions, or financial institutions assessing consumer loan applicationsWorks in mortgage companies, banks, or lenders evaluating home loan applications
Industry UsageUsed across consumer lending sectors including personal loans, auto loans, credit cardsPrimarily used in real estate and home loan sectors

Both Consumer Underwriters and Mortgage Underwriters evaluate loan applications, but Consumer Underwriters focus on personal and auto loans, while Mortgage Underwriters specialize in home loans. They share similar credentials and work environments but serve different lending markets.

Do consumer underwriters make a lot of money?

Consumer underwriters typically earn a median annual salary ranging from $50,000 to $70,000, depending on experience, location, and employer. Advanced skills, certifications, and working in larger financial institutions can lead to higher compensation.

Is it hard to get a job in consumer underwriting?

Consumer underwriting jobs can be competitive, but having relevant skills such as financial analysis, attention to detail, and knowledge of credit reporting can improve chances. Entry-level positions may require a bachelor's degree and some industry certifications, and experience with underwriting software is often beneficial.
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What states have the most Consumer Underwriter jobs?

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What are popular job titles related to Consumer Underwriter jobs?

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Consumer Underwriter jobs near you
Infographic showing various Consumer Underwriter job openings in the United States as of August 2026, with employment types broken down into 1% Internship, 80% Full Time, 16% Part Time, and 3% Contract. Highlights an 87% Physical, 3% Hybrid, and 10% Remote job distribution, with an average salary of $50,109 per year, or $24.1 per hour.

Consumer Credit Underwriter

F&M Bank

On-site

$65 - $85/hr

Other

Posted 5 days ago

Job description

The Consumer Credit Underwriter is responsible for evaluating the creditworthiness of individuals applying for consumer loans, ensuring decisions align with lending policies, regulations, and risk management standards. The Consumer Credit Underwriter plays a critical role in protecting the lender’s interest by ensuring only qualified borrowers receive credit, while also supporting loan growth and customer satisfaction. The role blends analytical, compliance, and customer service responsibilities in a fast-paced lending environment.

Key Duties and Responsibilities
  • Review and analyze loan applications : Examine credit reports, financial statements, tax returns, and other documentation to assess repayment ability and risk
  • Evaluate creditworthiness : Knowledge and ability to Manually Underwrite, understanding and apply policy guidelines to manually underwritten loans. Determine if applicants meet lending criteria, considering income, savings, payment history, and debt levels.
  • Make credit decisions : Approve, counter-approve, or deny loan requests within established credit policy and compliance guidelines
  • Compliance and policy adherence : Ensure all underwriting decisions follow federal, state, and industry regulations
  • Customer service : Respond to inquiries from internal teams and customers, explain decisions, and resolve issues in a timely manner.
  • Collaboration : Work with loan officers, originators, and senior underwriters to gather documentation, and discuss issues.
  • Specialized loan types : Underwrite installment loans, home equity loans, HELOCs, and other consumer products
QualificationsEducation
  • Associate or college degree in business, finance, accounting, management, or related field, preferred
Experience
  • 1–3+ years in consumer loan underwriting, with experience evaluating installment, HELOANS, and HELOCs
Knowledge and Skills
  • Able to maintain high production and quality
  • Strong analytical and financial analysis skills
  • Knowledge of consumer lending products and practices
  • Familiarity with credit reports and lending regulations
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