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Credit Risk Underwriter Jobs (NOW HIRING)

OWN

Credit Risk & Underwriting Lead

Central, LA · On-site

$58 - $93/hr

# Credit Risk & Underwriting LeadBuild the credit and underwriting foundation for OWN's first fixed-rate onchain mortgage files.LocationCEE + remoteCompensation50,000-80,000 EUR base + performance per ...

New

Adyen

Credit Risk Analyst

Chicago, IL · Hybrid

$100K - $130K/yr

Beyond day-to-day underwriting and portfolio management, the team owns the development and operation of credit risk frameworks for new and evolving financial products (e.g. Adyen Capital). Working ...

YouLend Limited

Credit Risk Lead

Atlanta, GA · On-site

$100 - $130/hr

In this role, you will lead the US credit risk and underwriting team, owning, developing and innovating our credit strategy ensuring consistent, high-quality credit decisions aligned with the company ...

Coface

Risk Underwriter

Princeton, NJ · On-site

Trade Credit Insurance, Business Information, Debt Collection, Single Risk insurance, Surety Bonds ... As a member of the US Risk Underwriting team you will be expected to perform the following:

Coface

Risk Underwriter

Princeton, NJ · Hybrid

Trade Credit Insurance, Business Information, Debt Collection, Single Risk insurance, Surety Bonds ... As a member of the US Risk Underwriting team you will be expected to perform the following:

YouLend

Senior Credit Risk Analyst

Atlanta, GA · On-site

In this role, you will support the US credit risk and underwriting team, working on innovative credit strategy initiatives that help us make consistent, high-quality credit decisions aligned with the ...

Craft3

Credit Risk

Oregon, WI · On-site

$90 - $120/hr

We are looking for a Sr. Underwriter to join our amazing Craft3 team in the WA or OR Area. What We ... Reporting to the Director of Credit Risk, the Sr. Underwriter at Craft3 underwrites commercial ...

YouLend Limited

Senior Credit Risk Analyst

Atlanta, GA · On-site

$110 - $140/hr

In this role, you will support the US credit risk and underwriting team, working on innovative credit strategy initiatives that help us make consistent, high-quality credit decisions aligned with the ...

YouLend

Senior Credit Risk Analyst

Atlanta, GA · On-site

$90 - $130/hr

In this role, you will support the US credit risk and underwriting team, working on innovative credit strategy initiatives that help us make consistent, high-quality credit decisions aligned with the ...

Vaco LLC

VP, Commercial Credit Risk

Edgewater, NJ · On-site

$200K - $225K/yr

The successful candidate will oversee credit quality, underwriting standards, portfolio risk, and regulatory compliance while supporting growth across traditional commercial banking and innovative ...

MyUSA Credit Union

Credit Risk Analyst

Middletown, OH · Hybrid

The Credit Risk Analyst assists the Lending Manager in developing strategies to increase lending ... Background in lending and underwriting preferred MyUSA Credit Union is an equal opportunity ...

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$46.5K

$87.3K

$148.5K

How much do credit risk underwriter jobs pay per year?

As of Sep 4, 2026, the average yearly pay for credit risk underwriter in the United States is $87,290.00, according to ZipRecruiter salary data. Most workers in this role earn between $70,000.00 and $101,500.00 per year, depending on experience, location, and employer.

What is a credit risk underwriter?

A Credit Risk Underwriter evaluates the creditworthiness of individuals or businesses applying for loans, credit lines, or financial products. They analyze financial statements, credit reports, and risk factors to determine the likelihood of repayment. Their goal is to minimize financial risk for lenders while ensuring responsible lending practices. Underwriters use financial models, industry guidelines, and company policies to assess applications and decide on approvals, declines, or modifications.

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

To excel as a Credit Risk Underwriter, you need strong analytical skills, attention to detail, and a solid understanding of financial statements and credit principles, usually supported by a degree in finance, accounting, or a related field. Familiarity with credit risk assessment software, loan origination systems, and relevant certifications such as CFA or CRC is highly beneficial. Excellent communication, decision-making, and problem-solving skills help candidates collaborate effectively and handle complex risk scenarios. These competencies are crucial to accurately assess creditworthiness, minimize financial risk, and ensure the organization's lending decisions are sound.

What are the typical challenges faced by a credit risk underwriter, and how are they managed?

Credit Risk Underwriters often handle complex financial profiles and must balance thorough risk assessment with the need to process applications efficiently. Managing tight deadlines, adapting to changing regulatory requirements, and navigating ambiguous or incomplete financial information are common challenges. Effective underwriters leverage teamwork, advanced analytics tools, and ongoing professional development to stay current with industry trends and best practices. By working closely with loan officers, compliance teams, and risk managers, they ensure informed lending decisions while maintaining high standards of accuracy and compliance.

Is credit risk underwriting a high stress job?

Credit risk underwriting can be a high-stress role due to the responsibility of assessing financial risks and making critical decisions that impact lending outcomes. Underwriters often work under tight deadlines and must analyze complex financial data accurately, which can contribute to job pressure. However, stress levels vary depending on the employer, workload, and individual resilience.
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Credit Risk Underwriter jobs near you
Infographic showing various Credit Risk Underwriter job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 89% Full Time, 8% Part Time, and 2% Contract. Highlights an 87% Physical, 4% Hybrid, and 9% Remote job distribution, with an average salary of $87,290 per year, or $42 per hour.

Credit Risk & Underwriting Lead

OWN

Central, LA • On-site

$58 - $93/hr

Other

Posted 3 days ago

New

Job description

# Credit Risk & Underwriting LeadBuild the credit and underwriting foundation for OWN's first fixed-rate onchain mortgage files.LocationCEE + remoteCompensation50,000-80,000 EUR base + performance per dealFocusCredit Risk & Underwriting## MissionOwn the credit and underwriting foundation for OWN's first mortgages. You will create the underwriting framework, apply it to the first real mortgage files, and work directly with the dev team to automate the process into repeatable tools, workflows, and decision systems.Crypto interest is useful, but real TradFi credit, mortgage, secured lending, or bank risk experience is mandatory.## Core Responsibilities* Build OWN's underwriting framework for borrower eligibility, collateral, LTV, loan duration, amortization, default triggers, cure periods, recoveries, and exception handling.* Translate that framework into clear underwriting rules, risk models, checklists, credit memo templates, and approval workflows.* Underwrite the first mortgage files manually, then identify which parts of the process can be automated.* Work directly with product and engineering to automate borrower intake, collateral analysis, LTV monitoring, credit memo generation, approval flows, and portfolio reporting.* Define the data inputs, model assumptions, risk flags, and decision logic needed for an internal underwriting engine.* Build lender-facing risk materials for DeFi capital providers and family offices.* Establish portfolio limits, monitoring rules, stress scenarios, and governance for credit decisions.* Work with legal/compliance on enforceability, disclosures, default process, and lender protections.## Must Have* 5+ years in credit risk, mortgage underwriting, secured lending, housing finance, private credit, structured lending, collateral valuation, or bank risk.* Direct experience reviewing, approving, or challenging real credit exposures.* Strong understanding of LTV, collateral valuation, amortization, recoveries, defaults/cures, and credit committee materials.* Ability to convert underwriting judgment into repeatable rules and workflows.* Comfortable working with developers to automate credit/risk processes.## Nice To Have* Digital assets, crypto lending, DeFi, tokenized RWAs, stablecoins, custody, or smart-contract collateral experience.* Prior work on credit process automation, underwriting engines, risk dashboards, or loan origination systems.* Czech/CEE mortgage, bank credit, or private credit experience.## Compensation50,000-80,000 EUR base + performance per deal.Equity/options may be included for candidates who materially help build OWN's underwriting and credit risk infrastructure.Applications## Apply by emailSend a short note, CV or profile, and relevant deal or capital formation track record to join@own.casa. #J-18808-Ljbffr

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