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Credit Risk Underwriter Jobs in Phoenix, AZ (NOW HIRING)

PNC Bank

Underwriter IV- LIHTC/Tax Credit

Phoenix, AZ · On-site

$91K - $202K/yr

If relevant, performs ongoing credit risk management for assigned portfolio. Coaches and/or reviews the work of other underwriters and fills in for manager as required. * Contacts internal/external ...

Genesis Capital

Senior Credit Underwriter

Scottsdale, AZ · On-site

$140K - $175K/yr

The Sr Credit Underwriter's key responsibility is to assess risk in the borrower's business strategy/experience and their real estate projects/investments. * Prepare credit memorandums outlining the ...

Beacon Roofing Supply, Inc

Credit Director

Glendale, AZ · On-site

$100 - $140/hr

Deep understanding of accounts receivable management, credit underwriting, and risk assessment * Experience in manufacturing, retail, constructionorrelated industry a plus * Working knowledge of ...

New

QXO

Credit Director

Glendale, AZ · On-site

Deep understanding of accounts receivable management, credit underwriting, and risk assessment * Experience in manufacturing, retail, construction or related industry a plus * Working knowledge of ...

QXO

Credit Director

Glendale, AZ · On-site

Deep understanding of accounts receivable management, credit underwriting, and risk assessment * Experience in manufacturing, retail, construction or related industry a plus * Working knowledge of ...

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All JobsCredit Risk Underwriter JobsCredit Risk Underwriter Jobs in Phoenix, AZ

Credit Risk Underwriter information

See Phoenix, AZ salary details

$46.1K

$86.5K

$147.2K

How much do credit risk underwriter jobs pay per year?

As of Sep 4, 2026, the average yearly pay for credit risk underwriter in Phoenix, AZ is $86,538.00, according to ZipRecruiter salary data. Most workers in this role earn between $69,400.00 and $100,600.00 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.

What are the most commonly searched types of Credit Risk Underwriter jobs in Phoenix, AZ?

The most popular types of Credit Risk Underwriter jobs in Phoenix, AZ are:

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For Credit Risk Underwriter jobs in Phoenix, AZ, the most frequently searched job titles are:

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Credit Risk Underwriter jobs near you
Infographic showing various Credit Risk Underwriter job openings in Phoenix, AZ as of August 2026, with employment types broken down into 1% As Needed, 86% Full Time, 10% Part Time, and 3% Contract. Highlights an 88% Physical, 4% Hybrid, and 8% Remote job distribution, with an average salary of $86,538 per year, or $41.6 per hour.

Credit Risk Underwriting Specialist

Tri Pointe Homes Holdings, Inc.

Scottsdale, AZ • On-site

Full-time

This job post has expired 2 days ago. Applications are no longer accepted.

Job description

Overview
Are you passionate about making a real impact in the homebuying journey? At Tri Pointe Solutions, the financial services affiliate of Tri Pointe Homes, we're redefining what it means to purchase a home. Our dynamic team is driven by innovation, collaboration, and a shared commitment to excellence. We offer a comprehensive suite of services-including mortgage, title, escrow, homeowner's and title insurance-all integrated under one roof to create a seamless, high-quality lending experience for our borrowers. If you're ready to be part of a forward-thinking company that's shaping the future of the industry, apply to join our outstanding team.
Tri Pointe Connect, the mortgage affiliate of Tri Pointe Homes, is looking for an experienced individual to join our talented group in Arizona as a Credit Risk Underwriting Specialist. This is a hybrid position working out of our Operations Center in Scottsdale, Arizona.
Job Details
Position Summary: Key contributor to Tri Pointe Connect's Credit Risk Department, responsible for loan-level underwriting reviews, credit-quality audits, lending-authority support, and vendor oversight across Conventional, Government (FHA/VA/USDA), Jumbo, and Non-QM products to ensure high-quality, salable, and compliant loans. This role strengthens risk governance through meticulous file audits, income validation, data integrity checks, defect trending, and second-level underwriting oversight.
Responsibilities:
Credit Risk Underwriting Review:
  • Conduct in-depth audits and re-underwrites across Conventional, Government, Jumbo, and Non-QM loans to ensure compliance with agency, investor, and internal Tri Pointe Connect guidelines.
  • Recalculate income using agency/investor methodologies, including complex self-employed income, rental income, K-1 analysis, and layered-risk borrower assessment.
  • Validate AUS findings (DU/LPA) and confirm data alignment between LOS, AUS, and documentation.

Lending Authority Second-Level Review:
  • Perform second-level underwriting reviews for new underwriters seeking initial lending authority, validating accuracy, guideline comprehension, and risk assessment. Conduct second-level reviews for existing underwriters seeking expanded authority in additional products such as FHA, VA, and/or Jumbo.
  • Document findings, recommend approval of lending authority, and provide coaching feedback where skill gaps are identified.
  • Maintain calibration standards to ensure lending authority aligns with Tri Pointe Connect's credit-risk expectations and investor requirements.

Quality Control (QC) Vendor Oversight:
  • Audit and evaluate the work of domestic and offshore third-party QC vendors, including pre-funding, post-closing, and targeted audit activities.
  • Confirm that QC vendor findings are accurate, consistent, and aligned with agency/investor requirements and internal credit standards.
  • Maintain vendor performance logs, participate in calibration calls, and support scorecard development.

Risk Governance & Reporting:
  • Identify and escalate repurchase exposure, defect trends, risk indicators, data inconsistencies, and misrepresentation concerns to the Director of Credit Risk.
  • Support development of internal credit policies, audit matrices, income guides, scorecards, and calibration frameworks.
  • Contribute to executive-level reporting, trend dashboards, defect analytics, and quality insights.

Job Requirements
Qualifications:
  • Bachelors degree in Business, Finance or a related field, or equivalent industry experience.
  • 5+ years of recent credit risk audit and/or mortgage underwriting experience across Conventional, Government (FHA/VA), Jumbo, and Non-QM products.
  • Government underwriting designations (DE, VA Automatic), SAR preferred.

Skills:
  • Strong understanding of agency guidelines, investor overlays, regulatory compliance, manual underwriting logic, and ATR/QM requirements for non-agency products.
  • Advanced skills in tax-return analysis, self-employment income reconstruction, and rental income evaluation.
  • Expertise in loan origination systems, Encompass preferred.
  • Strong communication and audit documentation skills (written and verbal), with the ability to articulate nuanced credit-risk concerns clearly.
  • Demostrated ability to explain discretionary decisions and findings when reviewing loans for audit.
  • Detail-oriented with a strong focus on accuracy.
  • Demonstrates the ability to perform effectively under strict deadlines in a dynamic environment.

Physical Requirements:
  • May require working after-hours
  • Sedentary for extended periods, up to 4 hours
  • Frequent repetitive hand use (typing/computer work)
  • Auditory ability to communicate in person, on calls, or in meetings
  • Visual acuity for reading documents and computer work
  • Hybrid role in Scottsdale, AZ (in office M-W)

Want to know what it's like working at Tri Pointe Homes? Click here to see what our employees have to say: Great Place to Work Certified Company
Tri Pointe Homes is committed to building a diverse and talented team to help us achieve our goals. Please note that due to operational constraints, we are unable to consider applicants who require visa sponsorship (e.g., H1B, OPT) for this position. This policy applies uniformly to roles where sponsorship cannot be accommodated to ensure consistency and fairness in our hiring process.
At Tri Pointe Homes, we are intentional about fostering an environment where you, and all individuals, are encouraged to be their authentic selves. We embrace individuality and strive to be consciously inclusive of different backgrounds, experiences, and perspectives in every aspect of our business. We believe our company's strength relies on the diversity of the team and the unique, innovative ideas everyone contributes.
Pursuant to the California Consumer Privacy Act of 2018, if you are a California resident, you have the right to know the categories of personal information that we collect about job applicants, employees and their emergency contacts and beneficiaries, and independent contractors. Please click here for a description of our personal information collection practices.
We are an Equal Opportunity Employer, which means we make employment decisions based on merit and qualifications and are committed to providing equal opportunities for all applicants and employees without regard to their race, color, creed, religion, national origin, ancestry, citizenship status, age, disability, sex, sexual orientation, gender identity or expression, veteran status, genetic information, or any other characteristic protected by applicable federal, state or local laws.
We will endeavor to make a reasonable accommodation to the known physical or mental limitations of a qualified applicant with a disability unless the accommodation would impose an undue hardship on the operation of our business. If you believe you require such assistance to apply for an open position or to participate in an interview, please let us know.

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