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Credit Underwriter Jobs in Raleigh, NC (NOW HIRING)

IFG Companies

Underwriting Trainee

Chapel Hill, NC · On-site

$65K - $75K/yr

POSITION SUMMARY The Underwriter Trainee ("Trainee") participates in the commercial underwriting trainee program of IFG Companies ("Companies"), building foundational skills in technical underwriting ...

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Credit Underwriter information

See Raleigh, NC salary details

$45.2K

$84.9K

$144.4K

How much do credit underwriter jobs pay per year?

As of Sep 4, 2026, the average yearly pay for credit underwriter in Raleigh, NC is $84,853.00, according to ZipRecruiter salary data. Most workers in this role earn between $68,000.00 and $98,700.00 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.

More about Credit Underwriter jobs

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Cities near Raleigh, NC with the most Credit Underwriter job openings:

Credit Underwriter jobs near you
Infographic showing various Credit Underwriter job openings in Raleigh, NC as of August 2026, with employment types broken down into 1% Internship, 82% Full Time, 16% Part Time, and 1% Contract. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $84,853 per year, or $40.8 per hour.

Senior Regional Credit Officer - Business

First Citizens Bank

Raleigh, NC • On-site, Remote

Full-time

Posted 4 days ago

First Citizens Bank rating

7.4

Company rating: 7.4 out of 10

Based on 106 frontline employees who took The Breakroom Quiz

107th of 174 rated banks

Job description

Overview

This is a remote role that may only be hired in the following locations: NC, SC, FL, TN and AZ.

This position serves as a regional credit leader, influencing portfolio performance, credit quality, and process improvement across the organization.  Reviews, negotiates, and decisions business loans and servicing plans within the Business Credit channel.  Ensure loan approvals align with credit policies, procedures, and organizational philosophy. 

 Leverages expertise in financial analysis, credit risk management, and regulatory frameworks while fostering strong partnerships to deliver prudent credit solutions and sustainable portfolio results.  Works closely with sales leadership, relationship managers, and associates to support strategic objectives and business plans through daily activities.   Provides guidance and mentorship to less experienced credit associates within the business unit.  Serves as a regional risk control officer to mitigate loss, delinquency, and overall risk for assigned credit portfolios.


Responsibilities & Qualifications

Duties & Responsibilities:

  • Risk Management - Analyzes, negotiates, and decisions business loans and servicing plans. Assesses credit risks to ensure consistent borrower risk ratings.  Ensures loan decisions are consistent, objective, and compliant, while meeting Bank and customer needs. Communicates credit decisions to all parties involved and recommends further action.  Manages at-risk relationships in respective regions of responsibility, including ongoing monitoring and review of action plans.
  • Credit Expertise - Maintains current working knowledge of respective markets and industry trends that may affect the extension of credit.  Communicates changes to lending personnel, credit appetite, and processes to first line partners. Serves as an advisor in analyzing, negotiating, strategizing, and underwriting credits within the assigned region(s).  Acts as a primary contact to credit and field associates within their respective markets.
  • Team Leadership - Utilizes expertise to provide guidance, feedback, and direction on complex matters. Assists in the communication of performance results and expected behaviors for success.  Supports/mentors Bankers and less experienced Credit Officers to achieve optimal credit performance. Provides feedback to area and regional leadership. Identifies training needs, process improvements, and skill deficiencies among line units.
  • Business Support - Recommends departmental policies and procedures to address identified issues and opportunities. Coordinates with credit risk review and loan workout functions, assists in managing credit needs related to traditional banking services, and participates in client credit transactions.  Participates in projects and special assignments as needed to achieve commercial lending goals.
  • Relationship Development - Establishes and maintains successful partnerships with sales leadership, relationship managers, and executives to ensure that business lending objectives are effectively communicated and carried out. May represent the Credit Administration department on various committees and market visits.


Position Specific Skills:

Strong knowledge of financial and credit principles, credit risk analysis, lending products, and credit administration within the financial services industry. Proven ability to build effective partnerships, navigate regulatory requirements, and evaluate credit risk to support sound lending decisions.


Qualifications:
Minimum Required Education and Experience: Bachelor's Degree and 8 years' experience OR High School Diploma or GED/Equivalent and 12 years' experience in Commercial credit analysis, or Lending, or Underwriting


Preferred Licenses or Certifications:Credit Risk Certification (CRC)- encouraged


Additional Information

Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits.

Qualifications:

Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits.

Education:UNAVAILABLEEmployment Type: FULL_TIME

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