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Credit Underwriter Jobs (NOW HIRING)

Genesis Capital

Credit Underwriter

Sherman Oaks, CA · On-site

$80K - $130K/yr

The Credit Underwriter is responsible for evaluating new lending opportunities and performing comprehensive analysis to determine the creditworthiness of the borrower. The Credit Underwriter will ...

Genesis Capital

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Credit Underwriter

Sherman Oaks, CA · On-site

$80K - $130K/yr

The Credit Underwriter is responsible for evaluating new lending opportunities and performing comprehensive analysis to determine the creditworthiness of the borrower. The Credit Underwriter will ...

Bank of the Orient

Credit Underwriter

Sugar Land, TX · On-site

$50K - $90K/yr

Credit Underwriter Bank of the Orient is an independent Asian Community Bank that has proudly served the financial needs of multiple San Francisco Bay Area communities and Texas for over 55 years. We ...

JBA International

Credit Underwriter

Los Angeles, CA · On-site

The 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 ...

AgWest Farm Credit

Credit Underwriter

Pasco, WA · On-site

$72K - $110K/yr

We are in search of a Credit Underwriter I or Credit Underwriter II (internally known as a Credit Analyst) to join our Washington Lending and Insurance in Pasco. This full-time position reports to ...

Bank of the Orient

Credit Underwriter

San Francisco, CA · On-site

$70K - $90K/yr

Credit Underwriter Bank of the Orient is an independent Asian Community Bank that has proudly served the financial needs of multiple Bay Area communities for over 55 years and Sugar Land, Texas area.

JJ Astor and Co

Credit Underwriter

Salt Lake City, UT · On-site

Private Credit Platform seeking a senior underwriter to take on an active loan portfolio. This position's primary responsibility will consist of evaluating and underwriting potential private and ...

AgWest Farm Credit

Credit Underwriter

Tulare, CA · On-site

$72K - $110K/yr

We are in search of a Credit Underwriter I or Credit Underwriter II (internally known as a Credit Analyst) to join our California Lending and Insurance department in Tulare. This full-time position ...

Bryant Bank

Credit Underwriter

Tuscaloosa, AL · On-site

The Credit Underwriter will be responsible for evaluating loan applications, assessing credit risk, and making informed lending decisions in accordance with the bank's policies, regulatory ...

Genesis Capital

Senior Credit Underwriter

Scottsdale, AZ · On-site

$140K - $175K/yr

The Sr Credit Underwriter is responsible for evaluating new lending opportunities and performing comprehensive analysis to determine the creditworthiness of the borrower. The Senior Credit ...

JBA International

Credit Underwriter

Los Angeles, CA · On-site

The 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 ...

AgWest Farm Credit

Credit Underwriter

Tulare, CA · On-site +1

$72K - $110K/yr

We are in search of a Credit Underwriter I or Credit Underwriter II (internally known as a Credit Analyst) to join our California Lending and Insurance department in Tulare. This full-time position ...

AgWest Farm Credit

Credit Underwriter

Moses Lake, WA · On-site

$80K - $137K/yr

We are in search of a Credit Underwriter II or Credit Underwriter III (internally known as Credit Analyst) to join our Washington Lending and Insurance department in Moses Lake or Wenatchee ...

BCB COMMUNITY BANK

Credit Underwriter

Bayonne, NJ · On-site

$90K - $115K/yr

The Credit Underwriter is responsible for underwriting and structuring commercial loans, evaluating credit worthiness, assessing risk and the repayment capacity analysis of borrowers, and preparing ...

AgWest Farm Credit

Credit Underwriter

Moses Lake, WA · On-site +1

$80K - $137K/yr

We are in search of a Credit Underwriter II or Credit Underwriter III (internally known as Credit Analyst) to join our Washington Lending and Insurance department in Moses Lake or Wenatchee ...

Genesis Capital

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Senior Credit Underwriter

Scottsdale, AZ · On-site

$140K - $175K/yr

The Sr Credit Underwriter is responsible for evaluating new lending opportunities and performing comprehensive analysis to determine the creditworthiness of the borrower. The Senior Credit ...

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Credit Underwriter information

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$46.5K

$87.3K

$148.5K

How much do credit underwriter jobs pay per year?

As of Jun 9, 2026, the average yearly pay for credit 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 does a Credit Underwriter do?

A Credit Underwriter is responsible for evaluating the creditworthiness of individuals or businesses applying for loans or credit. They review financial statements, credit reports, and other relevant information to assess the risk of lending money. Based on their analysis, they make recommendations or decisions regarding loan approvals, terms, and conditions, ensuring that lending policies and regulatory requirements are met. Credit Underwriters play a critical role in helping financial institutions minimize risk while supporting responsible lending. Their work helps ensure that borrowers have the ability to repay the loans they receive.

What are the key skills and qualifications needed to thrive as a Credit Underwriter, and why are they important?

To thrive as a Credit Underwriter, you need strong analytical skills, attention to detail, and a background in finance or accounting, often supported by a relevant degree. Familiarity with credit scoring models, financial statement analysis, and underwriting software such as Moody’s or FICO systems is typically required. Excellent judgment, communication, and decision-making abilities are critical soft skills for effectively assessing risk and collaborating with stakeholders. These competencies ensure accurate credit evaluations, minimize financial risk, and support sound lending decisions for the organization.

What is the difference between Credit Underwriter vs Loan Processor?

AspectCredit UnderwriterLoan Processor
CredentialsTypically requires a bachelor's degree; certifications like CU (Credit Underwriter) are commonUsually requires a high school diploma or equivalent; some roles prefer associate degrees
Work EnvironmentAnalyzes credit data, reviews financial documents, and assesses riskPrepares loan files, verifies information, and facilitates loan approval process
Industry UsageCommonly employed in banking, mortgage, and financial servicesFound in mortgage companies, banks, and lending institutions

While both roles are integral to the lending process, Credit Underwriters focus on assessing credit risk and making approval decisions, whereas Loan Processors handle the administrative tasks to prepare and submit loan applications. Understanding these differences helps in choosing the right career path or job search focus within the lending industry.

What Is a Credit Underwriter?

A credit underwriter reviews credit applications and helps decide whether someone should get a loan. As a credit underwriter, your job is to review loan applications and sometimes check a loan applicant’s credit history. You may also be asked to verify income and debt information. Financial experience helps in this career. In addition, you must determine whether the loan applicant has collateral, something the applicant will give up if they cannot repay the loan. The credit underwriter may note a house or car as collateral. Credit underwriters must have strong analytical skills and ethical values. It is important to maintain client privacy in all aspects of this career.

How does a Credit Underwriter typically collaborate with sales and risk teams during the loan approval process?

Credit Underwriters work closely with both sales representatives and risk management teams to ensure a thorough evaluation of loan applications. While underwriters assess the creditworthiness of applicants by analyzing financial statements and credit reports, they often consult with sales teams to clarify client backgrounds or business needs. Collaboration with risk teams is essential to establish appropriate lending terms and mitigate potential losses. This cross-functional teamwork helps ensure that lending decisions align with both the institution's risk appetite and client expectations.
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Credit Underwriter jobs near you
Infographic showing various Credit Underwriter job openings in the United States as of June 2026, with employment types broken down into 67% Full Time, and 33% Temporary. Highlights an 66% Physical, 13% Hybrid, and 21% Remote job distribution, with an average salary of $87,290 per year, or $42 per hour.
Credit Underwriter

Credit Underwriter

Genesis Capital

Sherman Oaks, CA • On-site

$80K - $130K/yr

Full-time

Posted 14 days ago

Job description

Genesis Capital (the "Company") is one of the largest business purpose lenders in the country, focused on providing commercial real estate financing solutions to real estate developers who buy, renovate, and sell single-family and/or multi-family residential real estate. The Company is a subsidiary of Rithm Capital (parent company), a publicly traded mortgage real estate investment trust.
The Credit Underwriter is responsible for evaluating new lending opportunities and performing comprehensive analysis to determine the creditworthiness of the borrower. The Credit Underwriter will evaluate the underlying project (collateral) as well as perform a financial analysis of the borrower and guarantor(s). The Credit Underwriter is responsible for managing multiple underwriting projects/tasks simultaneously, including direct borrower interaction, preparation of credit memorandums, and market analysis. The Credit Underwriter's job is to ensure Genesis Capital maintains strong credit quality in line with its policies and procedures.
Principal Duties:
ESSENTIAL FUNCTIONS include the following. Other duties may be assigned.
  • The 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 lending opportunity, key risks, mitigating factors, project/borrower/guarantor analysis, and credit advocacy.
    • Perform credit analysis evaluating the applicant's credit worthiness, financial strength, and loan repayment likelihood/capacity.
    • Conduct market analyses and review real estate appraisals.
    • Works with Loan Officers and Relationship Managers to obtain all required due diligence items.
    • Work with all Genesis departments including sales, loan operations, valuations, accounting, construction, and other support staff.
  • Present credit memorandums to Credit Management for review and approval.
  • Analyzes legal documentation such as corporate entity documents to understand borrower structure and works with Compliance for AML/KYC. Loan documents may also need to be reviewed.

Education and Experience
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
  • Must have bachelor's degree.
  • Minimum 3+ years in Commercial Real Estate banking or private real estate lending, in the form of underwriting, credit analysis or related experience.
  • Experience in construction lending is a plus.
  • Knowledge of complex real estate lending and loan structuring.
  • Industry knowledge of credit and financial analysis fundamentals, including cash flow analysis, balance sheet analysis, tax returns, profitability, liquidity, solvency analysis and real estate valuation.
  • Financial modeling techniques and preparation of pro-forma financial statements and NOI/DSCR analysis.
  • Knowledge of credit underwriting policies, procedures, processes, collateral valuation, and documentation.
  • Highly Proficient/Advanced in Excel, Word, PowerPoint, and database applications for pipeline management.

Knowledge, Skills, and Abilities
  • Rely on strong underwriting experience and judgment to make decisions, read and interpret data from a micro and macro perspective.
  • Ability to consolidate information from many sources to identify risks, conduct analysis and articulate a concise recommendation Ability to identify potential credit issues and appropriately escalate to management.
  • Ability to manage multiple tasks concurrently and prioritize workload to meet deadlines
  • Ability to identify potential credit issues and appropriately escalate to management.
  • Adapts to change in priorities and/or processes easily in a fast-paced work environment.
  • Excellent interpersonal, negotiation, presentation, oral, and written communication skills.

While this description is intended to be an accurate reflection of the position's requirements, it in no way implies/states that these are the only job responsibilities. Management reserves the right to modify, add or remove duties and request other duties, as necessary.
By applying to this position candidate acknowledges that this is not a remote role and is required to be on-site.
Compensation Range: $80,000 - $130,000/annual
Equal Employment Opportunity
We're proud to be an equal opportunity employer- and celebrate our employees' differences, including race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, and Veteran status. Different makes us better.
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