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Credit Underwriter Jobs (NOW HIRING)

Sunflower Bank, N.A.

Credit Underwriter III

Ontario, CA · On-site

$160K - $175K/yr

The Credit Underwriter III position is responsible for gathering, analyzing, and interpreting financial and credit information in order to assess the creditworthiness of the company's commercial ...

New

Sunflower Bank, N.A.

Credit Underwriter III

Los Angeles, CA · On-site

$160K - $175K/yr

The Credit Underwriter III position is responsible for gathering, analyzing, and interpreting financial and credit information in order to assess the creditworthiness of the company's commercial ...

New

Yamaha

Credit Underwriter III

Kennesaw, GA · On-site

The Credit Underwriter III will be responsible for approving or denying credit applications, following purchase policy guidelines, and establishing and maintaining positive relationships dealerships.

Servbank

Senior Commercial Credit Underwriter

Hoopeston, IL · On-site

$82K - $96K/yr

The Senior Commercial Credit Underwriter is responsible for analyzing, underwriting, and approving commercial loan requests in accordance with the Bank's credit policies, regulatory requirements, and ...

Servbank

Senior Commercial Credit Underwriter

Danville, IL · On-site

$82K - $96K/yr

The Senior Commercial Credit Underwriter is responsible for analyzing, underwriting, and approving commercial loan requests in accordance with the Bank's credit policies, regulatory requirements, and ...

Servbank

Senior Commercial Credit Underwriter

Oswego, IL · On-site

$82K - $96K/yr

The Senior Commercial Credit Underwriter is responsible for analyzing, underwriting, and approving commercial loan requests in accordance with the Bank's credit policies, regulatory requirements, and ...

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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 11, 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 do credit underwriters do?

Credit underwriters evaluate the creditworthiness of individuals or businesses applying for loans or credit. They analyze financial statements, credit reports, and other relevant data to assess risk and determine approval or denial, often using specialized software and adhering to lending guidelines.

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.

Is credit underwriting a good career?

Credit underwriting is a stable career that involves assessing the creditworthiness of individuals or businesses, often requiring analytical skills and attention to detail. It offers opportunities for advancement, typically requires relevant certifications or experience, and is common in financial institutions such as banks and lending companies.

What is the highest paid underwriter?

Senior credit underwriters with extensive experience and specialized skills tend to earn the highest salaries in the field, often exceeding $100,000 annually. Compensation varies based on industry, location, and the complexity of the underwriting work, with those in financial services or insurance typically earning more.

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.

Can I be hired as a loan underwriter with no experience?

Credit underwriters typically need some background in finance, banking, or related fields, but entry-level positions may be available for candidates with strong analytical skills and a willingness to learn. Many employers provide on-the-job training, and relevant certifications can improve chances of being hired without prior experience. Having knowledge of credit reports and financial analysis tools is beneficial for starting a career as a credit underwriter.

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.
More about Credit Underwriter jobs
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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 III

Yamaha Motor Corporation

Kennesaw, GA • On-site

Full-time

Medical, Dental, Vision, Life, Retirement

Posted 15 days ago

Job description

Yamaha Motor Finance Corporation has an excellent opportunity for a Credit Underwriter III to join our Financial Services team in Kennesaw, GA. The Credit Underwriter III will be responsible for approving or denying credit applications, following purchase policy guidelines, and establishing and maintaining positive relationships dealerships. You play a critical role in helping YMFC-US establish and maintain good relationships with our dealers and our customers. Interpersonal skills, financial acumen, decision-making skills, and a results-oriented approach are significant to your success in this position.
What you'll be doing:
  • Decision applications by placing emphasis on response time, quantity of applications processed, and quality of applications approved.
  • Demonstrate professionalism with dealer communication
    Promote, educate, and provide support to dealers on new sales programs, company initiatives and system/process changes. Provide support to dealers and answer ad hoc requests
  • Demonstrate knowledge of credit policy and procedures
    Review contract, system exceptions Prepare reports and participate as a subject matter expert on assigned projects.
  • Lead testing efforts (i.e., User Acceptance Testing) of changes to the loan origination software and related systems.
  • Support training and developing for credit underwriters.
  • Provide support when supervisor or management is not available.
  • Perform related duties as needed.

What you'll need to be successful:
  • AS / BS degree in Finance, Business or other related course of study is strongly preferred. (High School Diploma Required.)
  • Must be highly skilled in credit decisioning and have a solid understanding of consumer credit, and applicable federal and state regulations relative to consumer lending.
  • Must have a minimum of 3+ years' of underwriting experience.
    Captive/auto finance or banking experience preferred
  • Must have strong analytical and quantitative skills, organizational, negotiation, interpersonal skills and acute problem-solving ability.
  • Demonstrate professionalism with dealer communication
  • Ability to work flexible hours including weekends and overtime, as necessary; and ability to travel up to 10% at management's discretion.
  • Good quantitative and business acumen
    Proficient in MS Windows applications, with a strong emphasis in Excel
  • Excellent time management and organizational ability
  • Strong verbal and written communication skills

Don't meet every single requirement? Studies have shown that women and underrepresented minorities are less likely to apply to jobs unless they meet every single qualification. At Yamaha, we understand that talent comes in various forms, as such we are dedicated to building a diverse, inclusive, and authentic workplace. If you're excited about this role but your experience doesn't align perfectly with every qualification in the job description, we encourage you to apply anyway. You may be just the right candidate for this or other roles!
What's in it for you:
  • 401(k) and Profit Sharing
  • Fertility Benefits
  • 37.5 hour workweek
  • Medical, Dental, Vision
  • Life and AD&D Insurance
  • Wellness Program
  • Short-Term Disability Coverage (for hourly roles)
  • Long-Term Disability
  • Student Debt Repayment Benefits
  • Ability to borrow Yamaha product
    Reports to: Department Manager
    Yamaha Motor Corporation, USA is proud to be an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identify, national origin, veteran or disability or any other status protected by federal, state, or local law. We celebrate diversity and are committed to creating an inclusive environment for all employees.

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