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Heloc Underwriter Jobs (NOW HIRING)

Citizens

Home Equity Underwriter

Johnston, RI · On-site

As the Home Equity Underwriter II, you will be responsible for rendering quality credit decisions on complicated new HELOC applications, using your data analysis, problem-solving skills, and ...

Citizens

Home Equity Underwriter

Johnston, RI · On-site

As the Home Equity Underwriter II, you will be responsible for rendering quality credit decisions on complicated new HELOC applications, using your data analysis, problem-solving skills, and ...

Citizens Bank

Home Equity Underwriter

Johnston, RI · On-site

As the Home Equity Underwriter II, you will be responsible for rendering quality credit decisions on complicated new HELOC applications, using your data analysis, problem-solving skills, and ...

Citizens

Home Equity Underwriter

Johnston, RI · On-site

As the Home Equity Underwriter II, you will be responsible for rendering quality credit decisions on complicated new HELOC applications, using your data analysis, problem-solving skills, and ...

PENFED Credit Union

HELOC Processor I

Phoenix, AZ · On-site

$18.56/hr

Job Overview PenFed is hiring a (Hybrid) HELOC Processor I at our Phoenix, Arizona Mortgage Office ... Assemble and submit completed file to Underwriting (UW); clear manual conditions, cure title issues ...

PENFED Credit Union

HELOC Processor I

San Antonio, TX · On-site

$18.56 - $28.52/hr

Job Overview PenFed is hiring a (Hybrid) HELOC Processor I at our San Antonio, Texas Service Center ... Assemble and submit completed file to Underwriting (UW); clear manual conditions, cure title issues ...

PenFed Credit Union

HELOC Processor I

San Antonio, TX · Hybrid

$18.56 - $28.52/hr

Overview PenFed is hiring a (Hybrid) HELOC Processor I at our San Antonio, Texas Service Center ... Assemble and submit completed file to Underwriting (UW); clear manual conditions, cure title issues ...

Citizens

Home Equity Senior Underwriter

Johnston, RI · Hybrid

$99K - $117K/yr

As the Home Equity Senior Underwriter on the Wealth Team, you will be responsible for rendering quality credit decisions on complicated new HELOC applications, using your data analysis, problem ...

RemX

Be Seen First

Mortgage Loan Specialist

Little Rock, AR · On-site

$22.50/hr

... with HELOC inquiries, consumer lending solutions, account servicing, and general banking questions. This role gathers applicant information, submits loan applications for underwriting review ...

Citizens

Home Equity Senior Underwriter

Johnston, RI · Hybrid

$99K - $117K/yr

As the Home Equity Senior Underwriter on the Wealth Team, you will be responsible for rendering quality credit decisions on complicated new HELOC applications, using your data analysis, problem ...

Citizens Bank

Home Equity Senior Underwriter

Johnston, RI · On-site

$99K - $117K/yr

As the Home Equity Senior Underwriter on the Wealth Team, you will be responsible for rendering quality credit decisions on complicated new HELOC applications, using your data analysis, problem ...

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Heloc Underwriter information

See salary details

$32.5K

$78.9K

$139.5K

How much do heloc underwriter jobs pay per year?

As of Sep 3, 2026, the average yearly pay for heloc 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 is a HELOC underwriter?

HELOC underwriters are financial professionals who review and assess applications for Home Equity Lines of Credit (HELOCs). They evaluate the borrower's creditworthiness, property value, income, debts, and overall risk to determine if the applicant qualifies for a HELOC and under what terms. HELOC underwriters play a crucial role in ensuring that lending decisions comply with regulations and the financial institution's policies. Their expertise helps protect both the lender and the borrower from potential financial risks.

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

To thrive as a HELOC Underwriter, a strong background in credit analysis, risk assessment, and knowledge of home equity lending guidelines is essential, usually supported by experience in mortgage or banking environments. Familiarity with loan origination systems, automated underwriting software, and regulatory compliance tools is typically required. Attention to detail, sound judgment, and effective communication help underwriters excel in evaluating applications and collaborating with loan officers. These skills ensure accurate risk evaluation, compliance with lending standards, and efficient processing of HELOC applications.

What are some common challenges HELOC underwriters face when evaluating complex applications?

Heloc Underwriters often encounter challenges when assessing applicants with unconventional income sources, fluctuating property values, or high debt-to-income ratios. Accurately analyzing self-employed borrowers' financial documents and staying up-to-date on changing lending regulations can be particularly demanding. Additionally, balancing risk management with providing a positive customer experience requires strong analytical skills and close collaboration with loan officers and risk management teams.

What is the difference between Heloc Underwriter vs Mortgage Underwriter?

AspectHeloc UnderwriterMortgage Underwriter
CredentialsTypically requires a mortgage or loan underwriting certification, experience in credit analysisSimilar certifications, often with additional mortgage-specific licenses
Work EnvironmentWorks primarily with home equity lines of credit, often in retail or bank branchesHandles various mortgage types, often in dedicated underwriting departments
Industry UsageCommon in banks, credit unions, and lenders offering HELOC productsUsed across mortgage lending institutions for home loan approvals

Both roles involve assessing borrower creditworthiness, but Heloc Underwriters focus on home equity lines of credit, while Mortgage Underwriters handle broader mortgage loans. The skills and certifications overlap, but the specific loan types and work environments differ slightly.

More about Heloc Underwriter jobs

What job categories do people searching Heloc Underwriter jobs look for?

The top searched job categories for Heloc Underwriter jobs are:

Heloc Underwriter jobs near you
Infographic showing various Heloc Underwriter job openings in the United States as of August 2026, with employment types broken down into 95% Full Time, 2% Part Time, and 3% Contract. Highlights an 69% Physical, 11% Hybrid, and 20% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Mortgage Underwriter

Beeline Loans, Inc.

Providence, RI • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 8 days ago

Job description

Mortgage Underwriter
We are seeking a skilled and detail-oriented Underwriter to join our team. As an Underwriter, you will play a crucial role in evaluating and assessing loan applications to determine their creditworthiness and adherence to lending guidelines.
Responsibilities:
  • Manage an underwriting pipeline for initial, condition review, and final review of loans.
  • Experience with DSCR, Conventional, FHA, VA, and HELOC loan applications and documentation, ensuring adherence to company, federal, agency, and investor guidelines.
  • Assist with underwriting questions, scenarios, and challenges.
  • Assess customers' loan-to-value ratio, debt-to-income ratio, credit report, application details, income, assets, and down payment sources to detect potential fraud or misrepresentation.
  • Demonstrate proficiency in analyzing various types of tax returns.
  • Validate accuracy between company systems and Automated Underwriting System (AUS).
  • Uphold loan quality and accuracy standards with each transaction.
  • Evaluate appraisals to confirm alignment with secondary market, investor, and company criteria.
  • Analyze condo documents to ensure it aligns with approval guidelines.
  • Conduct a thorough analysis of title work to ensure accuracy and compliance.
  • Experience in self-employment income calculations
  • Strong background in DSCR loans

Skills and Requirements:
  • DE (Direct Endorsement) and VA Certifications preferred
  • Knowledge of credit scoring and risk assessment
  • Excellent customer service skills
  • Proficiency in underwriting software and tools
  • Proven ability to collaborate and problem-solve with other mortgage partners
  • Strong attention to detail and accuracy
  • Strong planning and organizational skills
  • Ability to work independently and in a team
  • Ability to multitask and be comfortable working at a fast pace
  • Demonstrate strong interpersonal skills

Benefits
  • Health Insurance
  • Dental Insurance
  • Vision insurance
  • Life & disability insurance
  • 10 days of personal/sick time per year - available upon starting
  • 3 weeks of vacation time per year accrued per pay period
  • 401(k)

About Beeline
We are revolutionizing the home loan process to replace fear and uncertainty with respect and peace of mind. Offering diverse mortgage products, we empower customers to reach closing effortlessly with our user-friendly technology.
Beeline is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy or other reason protected by law.

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