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Digital Underwriting Jobs (NOW HIRING)

SoFi

Senior Manager, Underwriting

Frisco, TX · On-site

You will also contribute to our technology roadmap and manage the digital tools that drive industry ... Manage the underwriting lifecycle for a diverse product suite to ensure every decision meets ...

Mutual Bancorp

Underwriting Assistant I

Leominster, MA · On-site

$20.25 - $27.75/hr

The Underwriting Assistant I performs a variety of loan processing duties to ensure loans are ... Must have cyber security awareness to protect the digital environment, the Bank, and customers.

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Digital Underwriting information

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$48K

$103.1K

$158.5K

How much do digital underwriting jobs pay per year?

As of Jul 8, 2026, the average yearly pay for digital underwriting in the United States is $103,082.00, according to ZipRecruiter salary data. Most workers in this role earn between $77,000.00 and $121,000.00 per year, depending on experience, location, and employer.

What is digital underwriting?

Digital underwriting is the process of assessing and evaluating risks for insurance or loans using automated technologies and data analytics. Instead of relying solely on manual review, digital underwriting uses algorithms, artificial intelligence, and big data to streamline decision-making and improve accuracy. This approach helps financial institutions speed up application processing times, reduce human error, and offer more personalized products to customers. Digital underwriting is commonly used in sectors like insurance, mortgages, and personal lending.

Will AI replace underwriting?

Digital Underwriting involves assessing risk using data analysis, and AI tools are increasingly used to automate parts of this process. While AI can improve efficiency and consistency, human underwriters are still essential for complex cases, decision oversight, and ethical considerations. AI is more likely to augment rather than fully replace underwriters in the near future.

Can you work remotely as an underwriter?

Digital underwriters often have the opportunity to work remotely, especially in companies that utilize digital tools and online communication platforms. Remote work arrangements depend on the employer's policies, the nature of the underwriting tasks, and the need for collaboration or access to secure data systems.

What are the key skills and qualifications needed to thrive as a Digital Underwriter, and why are they important?

To thrive as a Digital Underwriter, you need solid analytical skills, knowledge of risk assessment, and a background in finance, insurance, or a related field, often supported by relevant certifications. Familiarity with automated underwriting platforms, data analytics tools, and insurance management systems is typically required. Strong attention to detail, problem-solving abilities, and effective communication are important soft skills for this role. These skills and qualities are essential for accurately assessing risk, ensuring efficient decision-making, and maintaining regulatory compliance in a digital insurance environment.

Which 3 jobs will survive AI?

Digital Underwriting is likely to continue evolving with AI, but roles that require complex judgment, emotional intelligence, and nuanced decision-making—such as senior underwriters, risk analysts, and compliance specialists—are expected to persist. These jobs rely on human expertise, critical thinking, and ethical considerations that AI cannot fully replicate. Skills in data analysis, regulatory knowledge, and professional certifications will remain valuable in these roles.

How does a Digital Underwriter typically collaborate with other departments to streamline the underwriting process?

Digital Underwriters frequently work closely with IT, data analytics, and customer service teams to ensure accurate risk assessments and efficient workflows. They collaborate with IT professionals to implement and refine underwriting software, consult with data teams to interpret risk-related metrics, and communicate with customer service to address applicant inquiries. This cross-functional teamwork helps optimize digital tools, improve decision accuracy, and enhance the overall customer experience.

Is underwriting a high paying career?

Underwriting is generally considered a well-paying career, especially in specialized fields like insurance or finance, where experienced underwriters can earn competitive salaries. Salary levels depend on factors such as experience, industry, location, and certifications, with advanced roles often offering higher compensation.

What is the difference between Digital Underwriting vs Underwriting Specialist?

AspectDigital UnderwritingUnderwriting Specialist
CredentialsTypically requires a degree in finance, insurance, or related field; familiarity with digital toolsRequires similar degrees and certifications, such as CPCU or ARM
Work EnvironmentPrimarily digital platforms, data analysis, and automated systemsOffice-based, interacting with clients and manual review of applications
Industry UsageUsed across insurance companies adopting technology-driven processesTraditional insurance companies and brokers

Digital Underwriting focuses on leveraging technology and automation to assess risks quickly, while Underwriting Specialists perform manual risk assessments and client interactions. Both roles require relevant credentials, but Digital Underwriting emphasizes digital skills and data analysis, making it suitable for tech-driven insurance environments.

More about Digital Underwriting jobs
What cities are hiring for Digital Underwriting jobs? Cities with the most Digital Underwriting job openings:
What states have the most Digital Underwriting jobs? States with the most job openings for Digital Underwriting jobs include:
What job categories do people searching Digital Underwriting jobs look for? The top searched job categories for Digital Underwriting jobs are:
Digital Underwriting jobs near you
Infographic showing various Digital Underwriting job openings in the United States as of July 2026, with employment types broken down into 87% Full Time, 11% Part Time, and 2% Contract. Highlights an 90% Physical, 2% Hybrid, and 8% Remote job distribution, with an average salary of $103,082 per year, or $49.6 per hour.
Senior Manager, Underwriting

Senior Manager, Underwriting

SoFi

Frisco, TX • On-site

Full-time

Re-posted 2 days ago

Job description

Employee Applicant Privacy Notice
Who we are:
Shape a brighter financial future with us.
Together with our members, we're changing the way people think about and interact with personal finance.
We're a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we're at the forefront. We're proud to come to work every day knowing that what we do has a direct impact on people's lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world.
The Role
SoFi is seeking a dynamic Underwriting leader to join our Frisco, TX management team to build the future of home lending. In this high-impact role, you will lead our strategic expansion by recruiting, onboarding, and leading an elite team of underwriters for Conventional, Government, Jumbo, Portfolio, and Non-QM home loans. You are responsible forensuring every decision delivers quality and accuracy. You will also contribute to our technology roadmap and manage the digital tools that drive industry-leading speed and service. This is a rare opportunity to move beyond the routine to engineer a high-performance department within a fast-paced, innovative culture.
What You'll Do
  • Build and Lead: Recruit, onboard, and mentor an underwriting team, fostering a high-performance culture that aligns with SoFi's values and behavioral expectations.
  • Strategic Oversight: Manage the underwriting lifecycle for a diverse product suite to ensure every decision meets quality and accuracy standards.
  • Authority and Calibration: Establish and allocate underwriting authority levels for staff, while personally providing expert review and approval for highly complex or high-exposure cases.
  • Performance Optimization: Train and coach the team to consistently exceed production and quality goals, utilizing data-driven insights to balance industry-leading speed and precision.
  • Tech Roadmap Influence: Partner with product and engineering teams to influence the technology roadmap, adopting and managing the digital tools necessary to automate and streamline the underwriting process.
  • Cross-Functional Synergy: Build and maintain strong partnerships across Sales, Credit, Risk and Operations to influence workflows, resolve bottlenecks, and achieve organizational goals.
  • Risk and Quality Control: Monitor Quality Control reports to identify error trends and implement corrective action plans, ensuring all guidelines remain compliant with GSE and investor requirements.
What You'll Need
  • 8+ years of mortgage underwriting experience.
  • 5+ years of experience in leading Mortgage Underwriting Teams.
  • Experience underwriting jumbo, high net work, and complex credits with relevant approval authorities
  • Knowledge of federal, state, and FDIC real estate regulations and statutes
  • Comprehensive knowledge of mortgage products, services, and industry trends.
  • Excellent written, spoken, active listening, and interpersonal communication skills with a high level of diplomacy in directing production staff.
  • Strong motivation and management skills required to lead an experienced mortgage underwriting team, geared to meet production and quality goals.
  • Critical decision-making skills and sound judgment to address and resolve issues.
  • Technical proficiency with a high-level knowledge of computer systems including Encompass and Microsoft Office applications including Outlook, Word, and Excel.
  • Effective time management skills include prioritizing responsibilities and organizing work tasks.

Compensation and Benefits
The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate's experience, skills, and location.
To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page!
SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law.
The Company hires the best qualified candidate for the job, without regard to protected characteristics.
Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
New York applicants: Notice of Employee Rights
SoFi is committed to an inclusive culture. As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email accommodations@sofi.com.
Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.
Internal Employees
If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.

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