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Credit Risk Underwriter Jobs (NOW HIRING)

Guild

VP, Credit Risk

San Diego, CA · On-site

$177K - $242K/yr

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 ...

PSECU

Credit Risk Analyst

Harrisburg, PA · On-site

The Risk Analyst initiates and supports Credit Risk Management analysis and decisions using queries ... underwriting, and portfolio management. * Monitor and trend changes to the loan portfolio and ...

Gauntlet

Credit Risk Researcher

New York, NY · On-site +1

You will define the underwriting standards, design the frameworks, set the redlines, and be the ... The role The Credit Risk team runs due diligence on the assets, protocols, and chains supported by ...

Gauntlet

Credit Risk Analyst

Manhattan, NY · On-site

$160 - $195/hr

You will define the underwriting standards, design the frameworks, set the redlines, and be the ... The role The Credit Risk team runs due diligence on the assets, protocols, and chains supported by ...

New

PSECU

Credit Risk Analyst

Harrisburg, PA · On-site

The Risk Analyst initiates and supports Credit Risk Management analysis and decisions using queries ... underwriting, and portfolio management. * Monitor and trend changes to the loan portfolio and ...

Brex

Director, Credit Risk

Salt Lake City, UT · Hybrid

$198K - $247K/yr

Lead the team responsible for ongoing underwriting, portfolio management, and credit risk across Brex's existing customer portfolio * Develop and execute portfolio strategies that balance responsible ...

Guild Mortgage

VP, Credit Risk

San Diego, CA · On-site

$177K - $242K/yr

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 ...

RealPage, Inc.

WI · On-site

$141 - $239/hr

Design, implement, and continuously refine credit risk policies, scorecards, and underwriting ... models to balance risk appetite with revenue and conversion goals. * Build and lead a high ...

Brex

Director, Credit Risk

New York, NY · Hybrid

$231K - $289K/yr

Lead the team responsible for ongoing underwriting, portfolio management, and credit risk across Brex's existing customer portfolio * Develop and execute portfolio strategies that balance responsible ...

Papco

Senior Analyst, Credit & Risk

Miami, FL · On-site +1

Senior Analyst, Credit & Risk About the Role World Fuel is seeking a Senior Analyst, Credit & Risk ... In addition to core underwriting responsibilities, this role supports process and system alignment ...

Atlanticus

Credit Risk Manager

Atlanta, GA · On-site

$90 - $120/hr

Evaluate new data and partner data sources for underwriting and line assignment strategies using ... Perform ad‑hoc and recurrent credit risk analytical work. * Collaborate and partner across the ...

New

Brex

Director, Credit Risk

San Francisco, CA · Hybrid

$231K - $289K/yr

Lead the team responsible for ongoing underwriting, portfolio management, and credit risk across Brex's existing customer portfolio * Develop and execute portfolio strategies that balance responsible ...

Brex

Director, Credit Risk

Seattle, WA · Hybrid

$231K - $289K/yr

Lead the team responsible for ongoing underwriting, portfolio management, and credit risk across Brex's existing customer portfolio * Develop and execute portfolio strategies that balance responsible ...

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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 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.

VP, Credit Risk

Guild

San Diego, CA • On-site

$177K - $242K/yr

Full-time

Medical, Dental, Vision, Life, Retirement

Re-posted 18 days ago

Job description

Guild Mortgage Company, closing loans and opening doors since 1960. As a mortgage banking firm we are dedicated to serving the home owner/buyer. Our goal is to provide affordable home financing for our customers, utilizing the best terms available while providing a level of professionalism and service unsurpassed in the lending industry.
Position Summary
The Vice President (VP) of Credit Risk is a key member of the senior leadership team, responsible for overseeing Guild's credit risk policy. 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 practices and policies are sound and compliant with Guild's risk objectives and Secondary Markets guidelines and eligibility. This role also ensures an appropriate
balance is struck between credit risk and business opportunity. It also requires a deep understanding of credit risk principles and origination practices, strong communication and analytical skills and the ability to lead and develop a team.
Compensation
This role is an exempt position with a targeted salary range of $177,000 - $242,000 annually.
Compensation at Guild is influenced by a wide array of factors including but not limited to local and federal minimum wage requirements, education, level of experience, and applicant's geographical location.
Essential Functions
  • Establishes and monitors Guild's underwriting guidelines and eligibility parameters.
  • Continually evaluates that policies and guidelines are appropriate based upon evolving credit risk and industry trends.
  • Recommends guideline and eligibility changes to the Risk Committee for formal evaluation and approval.
  • Monitors and implements investor guidelines and eligibility updates.
  • Proactively reaches out to investors to recommend / negotiate guidelines and eligibility parameters.
  • Evaluates notifications of changing guidelines and eligibility parameters to:
  • Determine whether further investor discussions are needed to better understand rational and impact.
  • Negotiate different terms, if appropriate, to minimize impact to Guild.
  • Consider modifying lending or investor relationship strategies to mitigate impact.
  • Communicates all changes to underwriting guidelines and eligibility parameters to impacted business groups.
  • Monitors delinquency rates, default rates, default severity and manufacturing quality; recommending actions to ensure Guild's underwriting guidelines and eligibility parameters are effectively managing credit risk.
  • Identify emerging credit risks and recommend mitigation strategies.
  • Review product mix and recommend adjustments to Product Strategy Team and/or Risk Committee as appropriate.
  • Work with credit risk counterparts at the Agencies and key investors to discuss, educate and negotiate on loan level issues as well as requesting single loan waivers.
  • Build relationships with industry peers to collaborate and share best practices.
  • Liaise with external auditors, regulators, and rating agencies as required.
  • Provide inputs to new mortgage products and lending programs.
  • Stress test policies and portfolio against credit events to ensure credit policies mitigate risk.
  • Effectively manage and develop the Credit Policy Team

Qualifications
  • Bachelor's Degree directly related to the position or equivalent, required.
  • Minimum 15 years' experience in mortgage underwriting-related role(s).
  • Minimum ten years supervisory experience.
  • Expert-level understanding of mortgage products and underwriting.
  • Non-QM, GSE, HUD, VA, and USDA mortgage product knowledge.
  • General knowledge of federal, state, and regulatory requirements/guidelines related to consumer mortgage lending and internal processes and controls.
  • Familiarity with AllRegs online.
  • Accurate, organized, and detail oriented.
  • Passionate about delivering excellence in customer service within a team environment.
  • Excellent verbal and written communication skills required.
  • Highly organized and detail-oriented; ability to work in a fast-paced, metrics-driven environment required.
  • Proficiency in Microsoft Office Suite, Word, Excel, Wiki, collaborative cloud-based programs, and third-party software applications required.
  • Commitment to company values.
  • Customer Service - Proactive attention to each person
  • Integrity - Do and say what's right
  • Respect - Treat others with dignity
  • Collaboration - Listen and work together
  • Learning - Seek knowledge and strive for improvement
  • Excellence - Deliver the unexpected

Supervision
  • Job Scope: Responsible for understanding the department/functional area objectives and goals and how own job contributes to achievement of these goals; may contribute insights and ideas on policies, processes, procedures, and efficiency; may recommend changes and enhancements based on analysis and evaluation of circumstances.
  • Complexity: Problems are often complex and specialized and may involve unprecedented circumstances; resolution requires investigation, analysis and review of professional/organizational standards.
  • Impact: Decisions and actions have an impact on the smooth operation and timeframes of the department, programs/projects; impact on the broader organization is generally indirect.
  • Interaction/Supervision: Manages staffing plan for a division, including planning for needed additional hires and/or reductions in force; responsible for people management of division leaders, including staffing; sets performance standards, evaluates staff, accountable for staff development and training, etc.
    and strategic people management of other organizational leaders.

Requirements
Physical: Work is primarily sedentary; mobility in an office setting.
Manual Dexterity: Ability to operate standard office equipment and keyboards.
Audio/Visual: Ability to accurately interpret sounds and associated meanings at a volume consistent with interpersonal conversation. Regularly required to accurately perceive, distinguish and interpret information received visually and through audio, e.g., words, numbers and other data broadcasted aloud/viewed on a screen, as well as print and other media.
Environmental: Office environment - moderate noise, no substantial exposure to adverse environmental conditions.
Mental: Learn new tasks, remember processes, maintain focus, complete tasks independently, and make timely decisions in the context of a workflow. This role requires effective adaptation to workplace stressors, including customer service complaints, security responsibilities, and competing priorities. Must be able to adhere to process protocol. Must be able to apply established protocols in a timely manner.
Schedules: Work is primarily performed during the business week, Monday - Friday.
Travel: 5% or less
Guild offers a pleasant work environment, competitive compensation and excellent benefits package; including medical, dental, vision, life insurance, AD&D, LTD and 401(k) with employer match.
Guild Mortgage Company is an Equal Opportunity Employer.
REQ#: VPCRE018360
Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights notice from the Department of Labor.

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