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Credit Underwriter Jobs (NOW HIRING)

Bank of the Orient

Credit Underwriter

Millbrae, CA · On-site

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 Texas. We are well ...

Bank of the Orient

Credit Underwriter

Houston, 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 for over 55 years and Texas. We ...

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 ...

AgWest Farm Credit

Credit Underwriter

Rocklin, CA · On-site

$83K - $144K/yr

We are in search of a Credit Underwriter II or Credit Underwriter III to join our California Lending and Insurance department in Rocklin (preferred), Woodland, or Yuba City. This full-time position ...

AgWest Farm Credit

Credit Underwriter

Paso Robles, CA · 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 California Lending and Insurance department in Paso Robles, California. This ...

AgWest Farm Credit

Credit Underwriter

Imperial, 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 Arizona Lending and Insurance department in Safford, Tempe, or Yuma, Arizona or ...

First Hawaiian, Inc.

Credit Underwriter I

Honolulu, HI

$62K - $72K/yr

First Hawaiian Bank is currently seeking an analytical and detail oriented Credit Underwriter I to join the team in the Credit department. Compensation: The pay range for the role is $62,000 - $72 ...

First Hawaiian, Inc.

Credit Underwriter I

Honolulu, HI · On-site

$62K - $72K/yr

First Hawaiian Bank is currently seeking an analytical and detail oriented Credit Underwriter I to join the team in the Credit department. Compensation: The pay range for the role is $62,000 - $72 ...

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Credit Underwriter information

See salary details

$46.5K

$87.3K

$148.5K

How much do credit underwriter jobs pay per year?

As of Sep 6, 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 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.

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.

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.

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.

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Credit Underwriter jobs near you
Infographic showing various Credit Underwriter job openings in the United States as of August 2026, with employment types broken down into 1% Internship, 83% Full Time, and 16% Part Time. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $87,290 per year, or $42 per hour.

Credit Underwriter

Bank of the Orient

Millbrae, CA • On-site

Other

Re-posted 19 days ago

Key responsibilities

  • Analyze financial statements, ratios, tax returns, and other documents to evaluate risk exposure and prepare loan recommendations.

  • Process loan applications from assigned branches or business development officers and communicate application progress.

  • Provide guidance to branch managers or BDOs on loan packaging, underwriting issues, structuring, and negotiating loan requests.

Job description

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 Texas. We are well known for our commitment to providing the highest level of personal service to our customers; we take a personal interest in our communities' unique banking needs, we are dedicated to providing integrity in banking and financial services, we provide high quality dependable service by being accessible and reliable. We are committed to excellence in everything we do.


Currently we are seeking a Credit Underwriter. The successful candidate will be responsible for the maintenance and development of an assigned portfolio of loan relationships. Acts as a consultant to clients and a resource to the bank in developing and retaining business. Will underwrite a wide variety of complex secured and unsecured loans and lines of credit. Analyzes financial statements, financial ratios, tax returns, and other documents to evaluate risk exposure and prepares written loan recommendations that are consistent with bank objectives. In complex situations, may work directly with the client and or the account officer to determine the most appropriate financing solution. Processes loan applications received from assigned branches or business development officers (BDO’s). Corresponds with branch managers or business development officers to communicate progress of application and ultimate action. Provides branch managers or BDO’s accurate and timely advice, explanation, and guidance on loan packaging, pricing, underwriting issues and policies, structuring, and negotiating of new or existing loan requests. Makes joint calls with Branch Manager or BDO’s to enhance key relationships and/or to better assess credit risks in relatively substantial and complex credit requests. Ensures that loan delivery to the client is properly coordinated and communicated with the Branch Managers/ BDO’s to ensure customer satisfaction and goodwill. Works with the Branch Manager to develop, enhance, cross-sell, and to maintain a full-banking relationship with assigned borrowers.


Requires a Bachelor's degree in Finance or Accounting or related field. Three to Ten years of experience in credit underwriting of commercial loans, with a thorough understanding of commercial lending, loan documentation, real estate secured transactions, valuation methodologies, lending regulations, and financial and credit analysis. Ability to use creativity, knowledge, and experience to structure loans in a manner that is mutually beneficial to the customer and to the bank. Must be able to work autonomously to make sound credit decisions and be able to assume an appropriate level of responsibility commensurate with experience. Outstanding written and verbal communication skills. Attention to detail and accuracy in all aspects of work assignments. Strong Organizational Skills with the ability to set priorities and meet deadlines. Intermediate PC skills with MS Word and Excel.


Bilingual in Chinese a plus.


Email resume to: Career@bankorient.com


Visit our website at: www.bankorient.comfor additional information.


Bank of the Orient is proud to be an Affirmative Action, Equal Opportunity Employer.

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