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Credit Underwriting Jobs (NOW HIRING)

Genesis Capital

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Credit Underwriter

Sherman Oaks, CA · On-site

$80K - $130K/yr

Knowledge of credit underwriting policies, procedures, processes, collateral valuation, and documentation. * Highly Proficient/Advanced in Excel, Word, PowerPoint, and database applications for ...

Bank of the Orient

Credit Underwriter

Sugar Land, TX · On-site

$50K - $90K/yr

... credit underwriting experience in consumer, commercial, construction and/or SBA lending. Position will work with and provide assistance to loan officers in processing and review of credit ...

Bank of the Orient

Credit Underwriter

San Francisco, CA · On-site

$70K - $90K/yr

... credit underwriting experience in consumer, commercial, construction and/or SBA lending. Position will work with and provide assistance to loan officers in processing and review of credit ...

JBA International

Credit Underwriter

Los Angeles, CA · On-site

Knowledge of credit underwriting policies, procedures, processes, collateral valuation, and documentation. * Highly Proficient/Advanced in Excel, Word, PowerPoint, and database applications for ...

Genesis Capital

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Senior Credit Underwriter

Scottsdale, AZ · On-site

$140K - $175K/yr

Knowledge of credit underwriting policies, procedures, processes, collateral valuation, and documentation. * Highly Proficient/Advanced in Excel, Word, PowerPoint, and database applications for ...

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Credit Underwriting information

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$46.5K

$87.3K

$148.5K

How much do credit underwriting jobs pay per year?

As of Jun 15, 2026, the average yearly pay for credit underwriting 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 do you need to be a credit underwriter?

To become a credit underwriter, you typically need a bachelor's degree in finance, accounting, or a related field, along with strong analytical skills and knowledge of credit risk assessment. Experience with financial analysis, familiarity with underwriting software, and industry certifications such as the Certified Credit Underwriter (CCU) can enhance your qualifications.

Do underwriters make a lot of money?

Credit underwriters typically earn a median salary that varies by experience and location, with entry-level positions starting around $50,000 annually and experienced underwriters earning over $80,000. Salaries can increase with certifications, specialized knowledge, and working in high-demand industries or financial centers.

How to get into credit underwriting?

To enter credit underwriting, candidates typically need a bachelor's degree in finance, accounting, or a related field. Gaining experience in credit analysis, developing strong analytical skills, and understanding financial statements are important; certifications like the Certified Credit Analyst (CCA) can also enhance prospects.

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 solid understanding of financial statements, often backed by a degree in finance, accounting, or a related field. Familiarity with credit scoring systems, loan origination software, and risk assessment tools is typically required. Excellent judgment, effective communication, and problem-solving abilities help underwriters navigate complex cases and explain decisions to clients or colleagues. These skills are vital to accurately evaluating creditworthiness, minimizing risk, and supporting sound lending decisions.

What are some common challenges faced by professionals in Credit Underwriting and how can they be addressed?

Professionals in Credit Underwriting often face challenges such as evaluating incomplete or inconsistent financial information, managing tight deadlines, and balancing risk with business growth objectives. Staying up to date with regulatory requirements and industry best practices is essential to mitigate these challenges. Effective communication with loan officers, relationship managers, and clients can help clarify uncertainties and ensure accurate risk assessments. Additionally, leveraging technology and data analytics tools can streamline the underwriting process and improve decision-making.

What is credit underwriting?

Credit underwriting is the process by which a lender evaluates the creditworthiness of a borrower before approving a loan or credit. This involves analyzing financial information, credit history, and other risk factors to determine whether the applicant can repay the debt. Underwriters assess the likelihood of default and decide on loan terms, interest rates, and whether to approve or deny the application. This process helps financial institutions manage risk and ensure responsible lending.

What is the difference between Credit Underwriting vs Loan Processing?

AspectCredit UnderwritingLoan Processing
Primary RoleAssess creditworthiness and approve or deny loan applicationsGather documents, verify information, and prepare loan files for approval
Skills & CertificationsFinancial analysis, credit analysis, knowledge of lending policiesCustomer service, document verification, attention to detail
Work EnvironmentOffice-based, analytical, decision-makingOffice-based, administrative, client interaction

While both roles are integral to the lending process, Credit Underwriting focuses on evaluating the risk and making approval decisions, whereas Loan Processing handles the administrative tasks to prepare loans for approval. Understanding these differences helps clarify career paths and job expectations within the lending industry.

What is a credit underwriting job?

A credit underwriting job involves evaluating the creditworthiness of individuals or businesses applying for loans or credit. Underwriters analyze financial information, credit reports, and risk factors to determine whether to approve or deny credit applications, often using specialized software and adhering to lending guidelines.
More about Credit Underwriting jobs
What cities are hiring for Credit Underwriting jobs? Cities with the most Credit Underwriting job openings:
What states have the most Credit Underwriting jobs? States with the most job openings for Credit Underwriting jobs include:
What job categories do people searching Credit Underwriting jobs look for? The top searched job categories for Credit Underwriting jobs are:
Credit Underwriting jobs near you
Infographic showing various Credit Underwriting job openings in the United States as of June 2026, with employment types broken down into 100% Full Time. Highlights an 93% Physical, 1% Hybrid, and 6% Remote job distribution, with an average salary of $87,290 per year, or $42 per hour.
Securitization Credit Underwriting Associate - Institutional Credit Management

Securitization Credit Underwriting Associate - Institutional Credit Management

Citigroup, Inc.

New York, NY • On-site

$109K - $163K/yr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 8 days ago

Job description

The Credit Underwriting Associate within Citi's Institutional Credit Management ("ICM") Credit Underwriting ABS team works with senior Underwriters and the ABS business team in the underwriting of a multi-billion-dollar portfolio of asset securitization transactions financed primarily through the asset-backed commercial paper market. The AVP supports senior Underwriters in reviewing terms, structures, collateral, models, and documentation of such transactions secured by various asset types (including auto, credit card, unsecured consumer loans). Responsibilities will include:
Responsibilities:
  • Work proactively with the Origination team on pre-screening of new deal opportunities, initial collateral analysis, preliminary financial analysis, and preparation of "greenlight" memoranda.
  • Participate in due diligence sessions and document client/industry performance, financial trends, and collateral characteristics.
  • Propose internal risk ratings, update applicable scorecards, monitor limits, oversee data accuracy to ensure compliance with business and institutional guidelines.
  • Prepare drafts of credit approval memos for review by senior Underwriters and submit for approval by Risk constituents via internal processes and system workflows.
  • Review servicer reports for collateral eligibility, covenant compliance, data integrity and Borrowing Base coverage. Note deteriorating asset performance. Keep abreast of asset industry and market trends and borrower-specific events.
  • Provide the Origination team with requested historical asset performance data and other ad hoc credit related requests.
  • Validate Borrowing Base model for each new deal and subsequent changes.
  • Act as maker/checker for various internal databases; oversee the accuracy/completeness of pertinent data and ensure changes to the facilities are reflected uniformly across internal systems.
  • Play an integral role in the credit approval process for deal post-closing amendment, consent and waiver requests.
  • Coordinate with the Audit manager and senior Underwriters on audit related matters (e.g., scope revisions, timely review); support senior Underwriters to follow up, negotiate and implement remedial actions with servicers for any major exceptions noted in the audits.
  • Maintain organized credit files for credit, regulatory, and compliance purposes.
  • Prepare and present Quarterly Portfolio Reviews to business management and Risk.

Qualifications:
  • Credit experience (preferably in structured finance/securitization) within a financial institution, rating agency, financial guarantor, or asset management firm.
  • Proficiency in Excel & Power Point.
  • Oral and written communications skills enabling one to effectively interact with internal and external constituents of all levels. Strong attention to detail. Keen sense of ownership; diligence; ability to multi-task; eagerness to learn and advance.
  • The ability to work independently within a team environment to meet deadlines and the initiative to inquire/escalate with other members of the Underwriting or Origination team to mitigate credit and operational risks.

Additional Qualifications:
  • 2-5 years relevant Securitization / Consumer ABS experience
  • Degree in Quantitative Fields such as Economics, Engineering, Operations Research, Business Finance, or Mathematics.
  • Previous experience in credit risk management or equivalent training and experience preferably in the financial services industry.
  • Ability to apply credit and risk principles toward business goals.
  • Demonstrated ability to synthesize, prioritize and drive results with a high sense of urgency.
  • Must be highly organized and able to work in a fast-paced environment managing multiple projects and possess effective.
  • Interpersonal, organizational and analytic skills.

Education:
  • Bachelor's/University degree or equivalent experience

This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
Job Family Group:
Risk Management
Job Family:
Credit Risk
Time Type:
Full time
Primary Location:
New York New York United States
Primary Location Full Time Salary Range:
$109,120.00 - $163,680.00
In addition to salary, Citi's offerings may also include, for eligible employees, discretionary and formulaic incentive and retention awards. Citi offers competitive employee benefits, including: medical, dental & vision coverage; 401(k); life, accident, and disability insurance; and wellness programs. Citi also offers paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays. For additional information regarding Citi employee benefits, please visit citibenefits.com. Available offerings may vary by jurisdiction, job level, and date of hire.
Most Relevant Skills
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
Anticipated Posting Close Date:
Jul 08, 2026
Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi.
View Citi's EEO Policy Statement and the Know Your Rights poster.

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