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Custom Credit Underwriter Jobs (NOW HIRING)

International Association of Insurance Professionals (IAIP)

$117K - $175K/yr

The Global Wealth Investment Management-Sr Credit Underwriter is aligned with the Private Client Advisor (PCA) in their goal of developing new custom lending relationships with strategic wealth ...

New

NACBA

The Credit Underwriter II (CUII) partners closely with the Credit Advisor (CA) to develop and expand custom lending relationships with strategic wealth clients. This role supports responsible and ...

International Association of Insurance Professionals (IAIP)

The Credit Underwriter II (CUII) partners closely with the Credit Advisor (CA) to develop and expand custom lending relationships with strategic wealth clients. This role supports responsible and ...

National Black MBA Association

NY · On-site

The Credit Underwriter II (CUII) partners closely with the Credit Advisor (CA) to develop and expand custom lending relationships with strategic wealth clients. This role supports responsible and ...

SoFi

Senior Credit Manager

San Francisco, CA

This means you will architect credit underwriting, pre-screen targeting, and risk tier assignment ... Experience in developing custom credit features using data sources such as internal cross-product ...

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Custom Credit Underwriter information

See salary details

$46.5K

$87.3K

$148.5K

How much do custom credit underwriter jobs pay per year?

As of Sep 9, 2026, the average yearly pay for custom 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 is a custom credit underwriter?

A Custom Credit Underwriter is a financial professional responsible for evaluating and assessing the creditworthiness of individuals or businesses applying for customized lending products. They analyze financial statements, credit reports, and other relevant information to determine the risk involved in granting credit or loans tailored to clients' specific needs. Custom Credit Underwriters often work closely with clients and internal teams to structure loans, set terms, and ensure compliance with lending policies. Their expertise helps minimize financial risk for lenders while meeting the unique requirements of borrowers.

How does a custom credit underwriter typically collaborate with relationship managers and other departments during the loan evaluation process?

As a Custom Credit Underwriter, you will frequently work alongside relationship managers, loan officers, and risk analysts to review complex credit requests tailored to individual client needs. Collaboration often involves discussing client backgrounds, financial statements, and unique deal structures to ensure a comprehensive credit assessment. This teamwork ensures that all relevant information is considered and that credit decisions align with both risk management policies and client objectives. Clear communication and coordination are essential, as you may participate in joint meetings or presentations to senior credit committees.

What are the key skills and qualifications needed to thrive as a custom credit underwriter, and why are they important?

To thrive as a Custom Credit Underwriter, you need a solid understanding of credit analysis, risk assessment, and financial statement interpretation, often supported by a degree in finance, accounting, or a related field. Familiarity with credit scoring models, underwriting software, and regulatory compliance systems like FICO and Moody’s Analytics is crucial. Strong analytical thinking, attention to detail, and effective communication skills set top performers apart in this role. These abilities ensure accurate credit decisions, minimize risk, and support sound lending practices for financial institutions.

What is the difference between Custom Credit Underwriter vs Commercial Credit Analyst?

AspectCustom Credit UnderwriterCommercial Credit Analyst
CredentialsTypically requires a bachelor's degree in finance, accounting, or related field; certifications like CFA or CCU are a plusSimilar educational background; often holds certifications such as CFA or credit analysis certifications
Work EnvironmentWorks primarily in banking or lending institutions, assessing individual or business loan applicationsWorks in financial institutions, analyzing commercial loan portfolios and credit risk
Employer & Industry UsageCommonly employed by banks, credit unions, and lending companiesEmployed by banks, financial services firms, and credit agencies
Comparison Search IntentOften compared due to similar roles in credit assessment and underwriting

The main difference is that Custom Credit Underwriters focus on evaluating individual or customized loan applications, while Commercial Credit Analysts analyze broader commercial credit portfolios. Both roles require similar credentials and work in related environments, but their specific responsibilities differ based on the scope of credit assessment.

What are popular job titles related to Custom Credit Underwriter jobs?

For Custom Credit Underwriter jobs, the most frequently searched job titles are:

Infographic showing various Custom Credit Underwriter job openings in the United States as of September 2026, with employment types broken down into 1% Internship, 80% Full Time, and 19% Part 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.

Senior Credit Underwriter-Global Wealth and Investment Management

Charlotte, NC • On-site

Bank of America
Finance and Insurance • 10K+ employees
Learn more about Bank of Americaexternal

$117K - $175K/yr

Full-time

PTO

Re-posted 11 days ago

Key responsibilities

  • Manage a portfolio of clients with moderate to high complexity, including conducting credit analysis and evaluating risks.

  • Lead the process of credit approval by completing financial analysis, reviewing loan structures, and preparing Credit Approval Memos and modifications.

  • Collaborate with Relationship Management and Risk teammates to understand structuring needs, review work of junior teammates, and ensure compliance with policies and regulations.

Bank Of America rating

8.3

Company rating: 8.3 out of 10

Based on 537 frontline employees who took The Breakroom Quiz

49th of 176 rated banks

Job description

Job Description:
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.
Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve.
Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations.
At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!
Job Description:
This job is responsible for credit underwriting new and existing clients in partnership with a private bank credit team. Key responsibilities include independently managing transactions or portfolios of moderate to high complexity, completing and reviewing credit analysis, evaluating risks, and writing financial analysis. Job expectations include leading the process, ensuring timely and accurate analysis, and coaching teammates on credit requirements. The Global Wealth Investment Management-Sr Credit Underwriter is aligned with the Private Client Advisor (PCA) in their goal of developing new custom lending relationships with strategic wealth clients, driving funded loan balance and revenue growth in a responsible and profitable manner, and managing a portfolio of existing lending relationships. The Sr Credit Underwriter performs and documents in-depth financial analysis for credit approval of ultra-high-net-worth clients (individuals, family offices, trusts, special wealth vehicles, etc.) in compliance with policy, procedures, and GWIM underwriting standards and guidelines.
Responsibilities:
  • Manages a portfolio of clients underwriting moderate to high complexity
  • Independently works with Relationship Management, and Risk teammates to understand structuring needs and requirements
  • Delivers financial modeling, loan structure, industry, economic, and other analyses to team members to support the loan decision-making process
  • Reviews work of junior teammates to provide feedback/coaching and ensure compliance with laws, rules, regulations and policy procedure
  • Has credit approval for certain credit actions
  • Leads loan structure conversations and completion of loan documentation with internal/external legal partners
  • Completes Credit Approval Memos (CAM) and Modifications to obtain credit approval for complex, custom loan products (marketable securities, commercial real estate, fine art, hedge fund, yacht, unsecured and subscription finance)
  • Serve as main point of contact for regional portfolio of credit relationships
  • Synthesize appropriate financial information to understand the client's financial standing, including liquidity, leverage, cash flow, key risks/mitigants and legal structure (trusts, special wealth vehicles, etc.) and apply sound reasoning to arrive at an appropriate credit decision
  • Review and negotiate loan structure and covenants during documentation process, according to creditworthiness, collateral, and risk appetite

Skills:
  • Attention to Detail
  • Credit and Risk Assessment
  • Financial Analysis
  • Underwriting
  • Written Communications
  • Analytical Thinking
  • Credit Documentation Requirements
  • Financial Forecasting and Modeling
  • Recording/Organizing Information
  • Business Acumen
  • Collaboration
  • Collateral Management
  • Loan Structuring
  • Prioritization

Required Qualifications:
• 8+ years of private wealth management credit of commercial credit experience
• Strong financial analysis, accounting skills, and deal structuring for borrowers with complex balance sheets and income streams
• Proficiency in Word, Excel and PowerPoint
Desired Qualifications:
• Bachelor's degree in business administration, finance, accounting or economics preferred
• Formal Credit Training and/or Commercial/Wealth Management credit experience preferred
Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent
Shift:
1st shift (United States of America)
Hours Per Week:
40
Pay Transparency details
US - NY - New York - ONE BRYANT PARK - BANK OF AMERICA TOWER (NY1100)
Pay and benefits information
Pay range
$117,000.00 - $175,000.00 annualized salary, offers to be determined based on experience, education and skill set.
Discretionary incentive eligible
This role is eligible to participate in the annual discretionary plan. Employees are eligible for an annual discretionary award based on their overall individual performance results and behaviors, the performance and contributions of their line of business and/or group; and the overall success of the Company.
Benefits
This role is currently benefits eligible. We provide industry-leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve.

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About Bank Of America

Sourced by ZipRecruiter

At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day. One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We're devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being.

Industry

Finance and insurance

Company size

10,000+ Employees

Headquarters location

Charlotte, NC, US

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