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Credit Underwriter Jobs (NOW HIRING)

Genesis Capital

Credit Underwriter

Los Angeles, CA · On-site

$90K - $130K/yr

Credit Underwriter: Analyze clients' financial information to evaluate their potential for lending opportunities and perform comprehensive analysis to access creditworthiness and determine the risk ...

Genesis Capital

Credit Underwriter

Sherman Oaks, CA · On-site

$90K - $130K/yr

Credit Underwriter: Analyze clients' financial information to evaluate their potential for lending opportunities and perform comprehensive analysis to access creditworthiness and determine the risk ...

Bank of America

Senior Credit Underwriter

Miami, FL · On-site

This job is responsible for supporting credit underwriting and monitoring for new and existing clients in partnership with a credit team. Key responsibilities include independently managing ...

SmartBank

Consumer Credit Underwriter

Sevierville, TN · On-site

What You'll Do As a Consumer Credit Underwriter, you'll play a critical role in helping SmartBank make responsible lending decisions that support our clients' financial goals while protecting the ...

SmartBank

Consumer Credit Underwriter

Knoxville, TN · On-site

What You'll Do As a Consumer Credit Underwriter, you'll play a critical role in helping SmartBank make responsible lending decisions that support our clients' financial goals while protecting the ...

SmartBank

Consumer Credit Underwriter

Maryville, TN · On-site

What You'll Do As a Consumer Credit Underwriter, you'll play a critical role in helping SmartBank make responsible lending decisions that support our clients' financial goals while protecting the ...

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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 Aug 10, 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 skills are needed for credit underwriter?

A credit underwriter needs strong analytical skills to assess financial data and creditworthiness, attention to detail, and good decision-making abilities. Proficiency with financial software and understanding of credit laws and regulations are also important for evaluating loan applications accurately.

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.

Is it hard to get a job in credit underwriting?

Getting a job as a credit underwriter can be competitive, but having relevant education, such as a degree in finance or related fields, along with strong analytical skills and industry certifications like the Certified Credit Underwriter (CCU), can improve chances. Entry-level positions may be easier to obtain, while more advanced roles require experience and specialized knowledge.
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 August 2026, with employment types broken down into 1% Internship, 79% Full Time, 19% Part Time, and 1% Contract. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $87,290 per year, or $42 per hour.

NOLA Senior Credit Underwriter

Credit Human

New Orleans, LA • On-site

$91K/yr

Full-time

Posted 18 days ago

Job description

 We are seeking a Senior Credit Underwriter for the Consumer Lending Department.

The Senior Credit Underwriter analyzes consumer loan applications and makes sound, timely credit decisions within established lending policies and authority. This role supports the Portfolio Manager in overseeing daily underwriting operations, monitoring workflow, and helping achieve credit quality, portfolio performance, and profitability goals. As a subject matter expert, the Senior Credit Underwriter provides guidance and training to underwriting staff, partners closely with internal business channels, and ensures lending decisions are communicated clearly and effectively while maintaining compliance with applicable regulations.

If you have strong underwriting and credit analysis skills, you should apply right away!

Highlights:

  • Make impactful lending decisions that drive portfolio quality, profitability, and growth.
  • Serve as a trusted underwriting expert, guiding credit decisions and exception management.
  • Coach and develop underwriters through training, onboarding, and ongoing mentorship.
  • Partner with business channels and frontline teams to deliver outstanding service and results.
  • Help shape underwriting operations, workflow efficiency, and future product initiatives.
  • Work closely with leadership to support departmental performance, planning, and continuous improvement.

Experience:

    Required

  • 5 years of progressively increasing lending experience

Education:

    Required

  • High School diploma or equivalent experience

    Preferred

  • Degree preferred

Licenses & Certifications:  

    Preferred

  • Credit Counseling

Skills & Knowledge:

    Required

  •  Extensive knowledge of credit and collateral underwriting standards
  • Knowledge of federal lending regulations and underwriting rules
  • Strong analytical and decision-making skills
  • Ability to communicate credit decisions effectively to clients and internal stakeholders
  • Ability to use sound judgment in complex underwriting situations
  • Strong verbal and written communication skills
  • Strong organizational skills
  • Proficiency in Microsoft Office programs

Schedule: Monday-Friday, 8:30 am-5:30 pm

Level of Work: 2C

Credit Human provides employees with many benefits from insurance coverage to college tuition reimbursement.

To get to know Credit Human and learn more about our benefits, visit our careers page at www.credithuman.com/careers.

Credit Human conducts employment background checks that may be used for decisions related to employment with Credit Human. Standard background checks performed on final candidates include NCUA Administrative and Prohibited Orders, ChexSystems, past employment verification, criminal history checks on convictions, and outstanding arrest warrants within the past seven years. Degree verifications are conducted if listed on the employment application. Additional background checks relevant to the role may include a motor vehicle registration check, credit check, and/or fingerprint card. Applicants must be currently authorized to work in the United States on a full-time basis.

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