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Credit Risk Underwriter Jobs (NOW HIRING)

Adyen

Senior Credit Underwriter

Chicago, IL · On-site

$125K - $170K/yr

Senior Credit Risk Analyst - Financial Products As a Senior Credit Risk Analyst based in Chicago ... Drive the continuous improvement of global and US-specific credit risk underwriting and monitoring ...

Bryant Bank

Credit Underwriter

Athens, AL

Job Title: Credit Underwriter Position Summary: The Credit Underwriter will be responsible for ... Credit Risk Assessment: Conduct thorough assessments of borrower creditworthiness, using financial ...

Bryant Bank

Credit Underwriter

Tuscaloosa, AL

Job Title: Credit Underwriter Position Summary: The Credit Underwriter will be responsible for ... Credit Risk Assessment: Conduct thorough assessments of borrower creditworthiness, using financial ...

Adyen

Senior Credit Underwriter

Chicago, IL · On-site +1

$125K - $170K/yr

Senior Credit Risk Analyst - Financial Products As a Senior Credit Risk Analyst based in Chicago ... Drive the continuous improvement of global and US-specific credit risk underwriting and monitoring ...

Marqeta

Credit Risk Manager

As Marqeta's Credit Risk Manager you will lead credit underwriting and account management for our SMB and commercial card programs, helping us launch and scale credit offerings for small, mid-market ...

EverBank

Credit Risk Review Associate

Irvine, CA · On-site

... underwriting, and adherence to stated policies and guidelines. Key Responsibilities and Duties * Evaluates credit risk of business activities and specific loan exposures to ensure compliance with ...

MQ Referrals Only

Credit Risk Manager

As Marqeta's Credit Risk Manager you will lead credit underwriting and account management for our SMB and commercial card programs, helping us launch and scale credit offerings for small, mid-market ...

Made Card

Credit Risk Manager

New York, NY · Remote

$100K - $110K/yr

Underwriting & New Accounts: Define and optimize credit strategies for new account approvals, ensuring robust risk controls while enabling growth. Deploy test and learn mechanisms. Have complete ...

UnitedHealth Group

Credit Risk Analyst

Draper, UT

Partner with underwriting, finance, and product teams to assess new products and strategies You'll ... Credit risk experience in a consumer or healthcare financing, fintech, bank or other financial ...

Made Card

Credit Risk Manager

New York, NY · On-site

$100K - $110K/yr

Underwriting & New Accounts: Define and optimize credit strategies for new account approvals, ensuring robust risk controls while enabling growth. Deploy test and learn mechanisms. Have complete ...

UnitedHealth Group

Credit Risk Analyst

Draper, UT · On-site

Partner with underwriting, finance, and product teams to assess new products and strategies You'll ... Credit risk experience in a consumer or healthcare financing, fintech, bank or other financial ...

Guild

VP, Credit Risk

San Diego, CA · On-site

The primary responsibilities are managing the company's underwriting guidelines, credit risk policies and loan eligibility parameters. The VP of Credit Risk ensures that the company's lending ...

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Credit Risk Underwriter information

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$46.5K

$87.3K

$148.5K

How much do credit risk underwriter jobs pay per year?

As of Jul 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 job?

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 in the Credit Risk Underwriter position, and why are they important?

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.

More about Credit Risk Underwriter jobs
What cities are hiring for Credit Risk Underwriter jobs? Cities with the most Credit Risk Underwriter job openings:
What are the most commonly searched types of Credit Risk Underwriter jobs? The most popular types of Credit Risk Underwriter jobs are:
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Credit Risk Underwriter jobs near you
Infographic showing various Credit Risk Underwriter job openings in the United States as of June 2026, with employment types broken down into 99% Full Time, and 1% Temporary. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $87,290 per year, or $42 per hour.

Senior Credit Underwriter

Adyen

Chicago, IL • On-site

$125K - $170K/yr

Full-time

Posted 20 days ago

Job description

This is Adyen
Adyen is the payments platform of choice for the world's leading companies, delivering frictionless payments across online, mobile, and in-store channels. Our team members are motivated individuals that help each other do remarkable things every day. We face unique technical challenges at scale and we solve those as a team. And together, we deliver innovative and ethical solutions that transform the way the world pays.
We took an unobvious approach to starting a payments company, building a platform from scratch. Now, Adyen serves the world's brightest companies like Facebook, Uber, L'Oreal, Casper, Bonobos and Spotify.
Senior Credit Risk Analyst - Financial Products
As a Senior Credit Risk Analyst based in Chicago, you will be part of a high-performing global team responsible for evaluating, managing, and scaling credit risk across Adyen's expanding suite of financial products (including Adyen Capital, Charge Cards, and Overdrafts). You will combine deep financial expertise, expert-level credit assessment skills, and a strategic mindset to shape our automated underwriting systems and drive the optimization of our credit risk frameworks.
The Credit Risk team is in a dynamic stage of its journey, offering significant opportunities to lead complex initiatives, influence product direction, and establish robust credit policies that support Adyen's global growth ambitions. You will work from a real-time portfolio view and collaborate closely with Commercial, Product, Compliance, and other cross-functional partners across regions and cultures to build data-driven, scalable risk processes.
What you'll do
  • Perform structured, deep-dive credit assessments and portfolio monitoring for multi-product exposures, SME loans (Adyen Capital), Charge Cards, and Overdraft facilities. Serve as the core escalation point for high-exposure and complex corporate deals.
  • Drive the continuous improvement of global and US-specific credit risk underwriting and monitoring frameworks, ensuring alignment with Adyen's defined risk appetite and strategic objectives.
  • Partner with Product and Engineering to advance the automated underwriting process. Identify manual touchpoints to integrate AI-driven financial statement processing, automated credit limit setting, and rules-based triaging.
  • Act as a key source of credit expertise across the business, working cooperatively with Commercial, Product, Legal, and Compliance to guarantee that credit risks are properly addressed in new commercial product developments.
  • Interpret complex macro-economic and industry risk indicators to identify delinquency trends early and proactively refine policy parameters before material portfolio losses materialize.
  • Develop clear governance frameworks for automated decisions to ensure transparency, auditability, and absolute alignment with U.S. regulatory guidelines (e.g., OCC and fair lending requirements). Prepare high-quality analysis for risk committee reports.
Who you are:
  • Minimum of 5+ years of commercial credit underwriting and portfolio management experience, preferably within high-volume fintech, digital lending, or fast-scaling banking environments. Strong analytical capability to interpret audited financial statements and determine capital capacity.
  • Comfortable operating in an unstructured, fast-paced environment, actively building for automation and scalability. Passionate about shifting from manual, one-off credit reviews toward data-driven decisioning models.
  • Solid familiarity and hands-on experience navigating U.S. regulatory frameworks and banking guidelines related to commercial credit risk (e.g., OCC guidelines) is highly preferred.
  • A clear, straight-to-the-point communicator who can confidently translate complex risk considerations into action, handle sensitive client conversations, and constructively align with commercial stakeholders without acting as a rigid lecturer.
  • Results-driven team player with a low-ego, high-accountability mindset who welcomes constructive challenge, acts as a mentor to junior analysts, and values shared success across regions and cultures.

Please note that this role is a hybrid, 3x a week position in Chicago.
The annual base salary range for this role in Chicago is: $125,000 - $170,000. The Total Compensation package also includes Restricted Stock Units (RSUs) and full benefits.
Our Diversity, Equity and Inclusion commitments
Our unique approach is a product of our diverse perspectives. This diversity of backgrounds and cultures is essential in helping us maintain our momentum. Our business and technical challenges are unique, and we need as many different voices as possible to join us in solving them - voices like yours. No matter who you are or where you're from, we welcome you to be your true self at Adyen.
Studies show that women and members of underrepresented communities apply for jobs only if they meet 100% of the qualifications. Does this sound like you? If so, Adyen encourages you to reconsider and apply. We look forward to your application!
What's next?
Ensuring a smooth and enjoyable candidate experience is critical for us. We aim to get back to you regarding your application within 5 business days. Our interview process tends to take about 4 weeks to complete, but may fluctuate depending on the role. Learn more about our hiring process here. Don't be afraid to let us know if you need more flexibility.
Adyen is an equal opportunity employer. We do not discriminate based on race, color, ethnicity, ancestry, national origin, religion, sex, gender, gender identity, gender expression, sexual orientation, age, disability, veteran status, genetic information, marital status or any legally protected status.
All your information will be kept confidential according to EEO guidelines.

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