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How much do entry level credit risk jobs pay per year?

As of Jun 15, 2026, the average yearly pay for entry level credit risk in the United States is $109,314.00, according to ZipRecruiter salary data. Most workers in this role earn between $75,000.00 and $142,000.00 per year, depending on experience, location, and employer.
What are the most commonly searched types of Credit Risk jobs? The most popular types of Credit Risk jobs are:
Infographic showing various Entry Level Credit Risk job openings in the United States as of June 2026, with employment types broken down into 84% Full Time, 13% Part Time, 1% Temporary, and 2% Contract. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $109,314 per year, or $52.6 per hour.
Real Estate Underwriter

Real Estate Underwriter

Texans Credit Union

Richardson, TX

Other

Posted 11 days ago

Job description

Description

Position Purpose and Objectives  

Analyze financial information and evaluate the risk of real estate loan applications, including first mortgages, home equity loans, HELOCs, and related products. Support the underwriting lifecycle by applying credit guidelines, regulatory requirements, and internal policies while delivering consistent and positive member experience. 

This role is an entry-level contributor who partners with senior underwriters and lending teams to develop underwriting expertise and support production goals. 

Major Duties and Essential Functions:  

  • Completes any other job- related duties needed that reinforce Texans Credit Union's EPIC values, traits, and behaviors.? 
  • Provide excellent member service and develops relationships with internal and external members? 
  • Analyze loan applications and supporting documentation to assess creditworthiness and risk. 
  • Perform basic to moderately complex income calculations, asset verification, and credit analysis.  
  • Review appraisals, collateral, and title documentation for completeness and adherence to policy.  
  • Apply underwriting guidelines in compliance with federal regulations (e.g., TRID, Dodd-Frank) and Texas Home Equity laws.  
  • Underwrite loans in an AUS environment and/or with guidance from senior underwriters.  
  • Maintain service level expectations, including timely loan decisioning within defined turnaround times.  
  • Communicate loan decisions clearly and professionally to internal partners and stakeholders.  
  • Provide a high level of member service and support a positive lending experience.  
  • Partner with processors, loan officers, and senior underwriters to resolve documentation and underwriting conditions.  
  • Participate in team meetings, training sessions, and continuous improvement initiatives.  
  • Assist with reports, data tracking, and departmental projects as assigned.  
  • Promote credit union products and services aligned with member needs.  
  • Perform other duties as assigned to support departmental and organizational goals. 

Positions directly supervised: 

None? 


Grade 9

Requirements

Specific knowledge, skills, and abilities required for this position:?  

  • Foundational knowledge of residential mortgage and home equity products  
  • Basic understanding of underwriting guidelines and credit risk evaluation  
  • Knowledge of applicable regulations (Truth-in-Lending, ECOA, FCRA, TRID, Dodd-Frank) 
  • Strong attention to detail and ability to manage multiple files simultaneously  
  • Effective written and verbal communication skills  
  • Ability to learn underwriting judgment and decision-making skills  
  • Customer-focused mindset with strong interpersonal skill 

Education: 

Bachelor's degree in finance, Business, Economics, or related field preferred. 

Experience: 

Minimum of 3 years of mortgage lending experience, with underwriting support, or credit analysis experience, Direct Endorsement and SAR certification preferred. 

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