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Credit Underwriting Jobs (NOW HIRING)

Genesis Capital

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 ...

Bank of the Orient

Credit Underwriter

Millbrae, CA · On-site

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 ...

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Credit Underwriting information

See salary details

$46.5K

$87.3K

$148.5K

How much do credit underwriting jobs pay per year?

As of Sep 3, 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 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 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 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.

Is credit underwriting a stressful job?

Credit underwriting can be stressful due to the responsibility of assessing financial risk and making critical decisions that impact lending outcomes. The job often involves tight deadlines, detailed analysis, and high accuracy, which can contribute to work-related stress. However, stress levels vary depending on the employer, workload, and individual coping skills.
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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 August 2026, with employment types broken down into 87% Full Time, and 13% Part Time. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $87,290 per year, or $42 per hour.

Commercial Credit Underwriting Portfolio Manager 2

F.N.B. Corporation

Pittsburgh, PA • On-site

Full-time

Re-posted 20 days ago

Job description

Primary Office Location:
626 Washington Place. Pittsburgh, Pennsylvania. 15219.
Join our team. Make a difference - for us and for your future.
Position Title: Commercial Credit Underwriting Portfolio Manager 2
Business Unit: Credit
Reports to: Commercial Credit Underwriting Portfolio Manager Team Leader
Position Overview:
Responsible for managing a designated Commercial loan portfolio, including portfolio management, credit underwriting, and ensuring compliance with bank and regulatory guidelines. Responsible for the quality of underwriting and ongoing portfolio management metrics for portfolio under purview. Assists Commercial Relationship Managers in the management of client relationships while maintaining a high degree of creditability. Act as a mentor to junior team members. The incumbent typically works on loans/portfolios of lower complexity as the incumbent's work requires significant oversight. The incumbent typically works on loans/portfolios of medium complexity as the incumbent's work requires some oversight.
Primary Responsibilities:
Responsible for underwriting, monitoring, and analyzing assigned Commercial portfolio. Ensure risks are identify timely, maintaining a high degree of accuracy and quality underwriting, and portfolio management practices are aligned with the bank's risk appetite and regulatory standards. Maintain professional development and measurable objectives.
Leader on complex transactions including syndications, multi-level capital structures, and/or Middle Market relationships while demonstrating excellent communication skills to voice opinion in a clear, concise manner to effectively solve problems/make recommendations regarding credit structure, risk, appropriate risk ratings and policy compliance.
Monitors and ensures assigned portfolio is within acceptable tolerances as well as published KPIs/KRIs.
Assists Commercial Relationship Managers in the management of client relationships while maintaining a high degree of creditability. Optimize customer relationships working directly with Relationship Managers.
Ensure sustained satisfactory reviews by regulators, internal auditors, external auditors, and loan review for depth of underwriting, identification of Policy Exceptions, and appropriate underwriting stress analysis of credits underwritten.
Works with manager on group-wide initiatives for process, roles and responsibilities enhancements, and/or output improvements. Acts as a mentor to junior Underwriting Portfolio Managers.
Effectively present proposed credit actions in written analysis document and as necessary, verbally to committee and meetings.
Performs other related duties and projects as assigned.
All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation's risk management program. F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions.
Minimum Level of Education Required to Perform the Primary Responsibilities of this Position:
BA or BS
Minimum # of Years of Job Related Experience Required to Perform the Primary Responsibilities of this Position:
3
Skills Required to Perform the Primary Responsibilities of this Position:
Excellent project management skills
Excellent communication skills, both written and verbal
Excellent organizational, analytical and interpersonal skills
Excellent customer service skills
Ability to use a personal computer and job-related software
MS Word - Basic Level
MS Excel - Intermediate Level
MS PowerPoint - Basic Level
Knowledge of a wide range of commercial lending (C&I & Cap markets), underwriting practices, and banking practices
Knowledge of commercial banking policies, procedures and government regulations
Licensures/Certifications Required to Perform the Primary Responsibilities of this Position:
N/A
Physical Requirements or Work Conditions Beyond Traditional Office Work:
Travel may be required on occasion
Equal Employment Opportunity (EEO):
It is the policy of F.N.B. Corporation (FNB) and its affiliates not to discriminate against any employee or applicant for employment because of age, race, color, religion, sex, national origin, disability, veteran status or any other category protected by law. It is also the policy of FNB and its affiliates to employ and advance in employment all persons regardless of their status as individuals with disabilities or veterans, and to base all employment decisions only on valid job requirements. FNB provides all applicants and employees a discrimination and harassment free workplace.
FNB will not provide sponsorship for employment-based visas for this position; only candidates who are legally authorized to work in the U.S. will be considered.

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