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Frontline Underwriter Jobs (NOW HIRING)

JBA International

Underwriter

CA · Remote

$40 - $45/hr

Responsible for frontline underwriting of new loan files, suspense reviews, condition reviews, re-works, etc. while adhering to production standards, staying within established turn-time timeframes ...

Indecomm Global Services

Underwriter

Must have 3 -5 years of recent frontline underwriting experience. Wholesale underwriting experience a plus. Must have excellent customer service skills. Job Duties/Responsibilities: Perform a cursory ...

Indecomm Global Services

Underwriter

OR · Remote

Must have 3 -5 years of recent frontline underwriting experience. Wholesale underwriting experience a plus. Must have excellent customer service skills. Job Duties/Responsibilities: Perform a cursory ...

JBA International

Non-QM Underwriter II

Corona, CA

Frontline underwriting of non-QM loan products. * Perform a thorough analysis of the applicant's income and expense data, asset documentation, credit reports, and property valuations. * Performing ...

JBA International

Non-QM Underwriter II

Corona, CA · On-site

Frontline underwriting of non-QM loan products. * Perform a thorough analysis of the applicant's income and expense data, asset documentation, credit reports, and property valuations. * Performing ...

Liberty Mutual

$98K - $116K/yr

S. The Senior Underwriting Officer, Risk Management will work with the leadership team, deliver technical expertise and serve as point of contact for the frontline underwriting teams for all ...

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Frontline Underwriter information

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$32.5K

$78.9K

$139.5K

How much do frontline underwriter jobs pay per year?

As of Jun 14, 2026, the average yearly pay for frontline underwriter in the United States is $78,878.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $87,000.00 per year, depending on experience, location, and employer.

What are Frontline Underwriters?

Frontline Underwriters are professionals responsible for evaluating and assessing loan applications, typically in the mortgage or insurance industries. They review documentation, analyze financial information, and determine the risk level associated with granting a loan or insurance policy. Their decisions help ensure that lending institutions or insurance companies minimize risk and comply with regulations. Frontline Underwriters often communicate directly with loan officers, agents, and applicants to gather additional information and clarify details. Their expertise is crucial in making informed decisions and protecting the financial interests of their organizations.

How does a Frontline Underwriter typically collaborate with loan officers and other departments during the mortgage approval process?

A Frontline Underwriter works closely with loan officers, processors, and sometimes directly with applicants to review and verify documentation supporting a mortgage application. They frequently communicate with these team members to clarify borrower information, resolve discrepancies, and ensure compliance with lending guidelines. Collaboration is essential to streamline the approval process, manage documentation flow efficiently, and address any issues that could delay loan closings. This team-based approach helps maintain high accuracy and customer satisfaction throughout the underwriting process.

What is the difference between Frontline Underwriter vs Underwriting Assistant?

AspectFrontline UnderwriterUnderwriting Assistant
CredentialsTypically requires a relevant insurance or finance certification, bachelor's degreeOften requires a high school diploma or associate degree, some insurance knowledge
Work EnvironmentPerforms risk assessment, decision-making, interacts with brokers and clientsSupports underwriters, handles administrative tasks, data entry
Industry UsageCommonly employed in insurance companies, underwriting firmsFound in similar settings, assisting underwriting teams

The Frontline Underwriter actively assesses risks and makes underwriting decisions, while the Underwriting Assistant provides administrative support to underwriting teams. Both roles are essential in the insurance industry, but the Frontline Underwriter has more decision-making responsibilities and requires specific certifications.

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

To thrive as a Frontline Underwriter, you need a solid understanding of risk assessment, financial analysis, and relevant underwriting guidelines, often backed by a degree in finance, business, or a related field. Familiarity with underwriting software, loan origination systems, and sometimes certifications like Certified Mortgage Underwriter (CMU) are typically required. Attention to detail, critical thinking, and effective communication are vital soft skills for assessing applications and collaborating with loan officers. These skills ensure accurate risk evaluation, regulatory compliance, and timely decision-making in the fast-paced mortgage and insurance industries.
More about Frontline Underwriter jobs
What job categories do people searching Frontline Underwriter jobs look for? The top searched job categories for Frontline Underwriter jobs are:
Frontline Underwriter jobs near you
Infographic showing various Frontline Underwriter job openings in the United States as of June 2026, with employment types broken down into 3% As Needed, 90% Full Time, 1% Part Time, 2% Temporary, 2% Contract, and 2% Nights. Highlights an 66% Physical, 13% Hybrid, and 21% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.
Underwriter

Underwriter

JBA International

CA • Remote

$40 - $45/hr

Other

Medical, Dental, Vision, Life, Retirement

Posted 29 days ago

Job description

Summary
The position performs highly detailed functions and technical measurements in a file's manual underwrite. Analyze and evaluate credit requests by applicants. Analyze each loan in compliance with Acra's credit guidelines and regulatory requirements.
Essential Duties and Responsibilities
  • Manually underwrite mortgage loan files. Review and analyze mortgage loan applications and supporting documents to ensure accuracy and completeness in order to make an informed lending decision in compliance with Acra policies and guidelines
  • Measure multiple events in an applicant's file and review application contingencies to quantify associated risk.
  • Exercise judgement to determine correct items to request from applicants and to make accurate credit decisions.
  • Responsible for frontline underwriting of new loan files, suspense reviews, condition reviews, re-works, etc. while adhering to production standards, staying within established turn-time timeframes and meeting minimum loan quality standards
  • Ability to perform duties and resolve issues without supervision and actively engage with supervisor to resolve complicated issues
  • Computer literate to include experience using Microsoft applications with mortgage industry standard software. Experience with Doc Velocity (paperless system) and Byte Pro a plus
  • Other duties as assigned
Qualifications
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
  • Ability to develop strong understanding of Acra Underwriting guidelines
  • Correspondent background preferred!
  • Experience performing manual underwrites of mortgage loan files
  • Adept at performing analysis and evaluation of a credit request and identifying appropriate documents to request from applicants
  • Experience making credit recommendations by measuring multiple events and quantifying the associated risks while adhering to guidelines and compliance requirements
  • Ability to communicate effectively in both verbal and written form and ability to explain credit decisions
  • Strong time management skills to effectively plan and organize a high daily loan volume
  • Detail-oriented team player able to work constructively with fellow employees
  • Self-motivated with good interpersonal skills
  • Well organized and able to process detailed information with accuracy and efficiency
  • Must be Proficient in English: speak, read, write
Education and/or Experience
  • Minimum 3 years of recent experience frontline underwriting of residential mortgage loans
  • Minimum five years of experience underwriting non-prime and "A" paper mortgage loans required
  • Minimum 5 years of experience of state and federal lending regulations (i.e., Ability to Repay (ATR), RESPA, Reg B, Reg O, Reg Z, Fair Lending, etc.)
Pay Range
$40 - $45 Hourly Rate (USD)
Benefits
Our benefit offerings include: Medical, dental, vision, wellness programs, EAP counseling services, FSA & HSA, company sponsored life insurance for employee, voluntary life insurance for employee, spouse and child, AD&D Insurance, voluntary short-term and long-term disability, critical illness insurance, accident insurance, legal assistance, pet insurance, living will and trust preparation discounts, commuter program, annual walking challenge, employee appreciation events and monthly sales awards.
At Acra Lending, we were founded with a clear purpose: to specialize in alternative income loan products that help borrowers qualify for our flexible loan programs. We operate in 39 States, out of nine offices in Arizona, California, Florida, Georgia, Hawaii, Missouri, Nevada, Texas, and Utah along with a growing team of remote professionals across the country. Throughout the mortgage industry, Acra Lending is widely known for responsible lending practices, product innovation and operational efficiency. The foundation of our Company is built on helping our customers by providing Non-QM mortgage solutions for today's borrower in residential and commercial properties across America.
Our Leadership team will encourage you to grow, make time to have fun, and work together to make great things happen. We embrace the strengths and values of each team member. We believe in having diverse perspectives where everyone is included, to serve customers from all walks of life. We reward our employees with a competitive salary and a variety of benefits to help our team members reach their health, retirement, and professional goals along with an exceptional 401k match program. We look forward to meeting you!

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