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Home Equity Underwriter Jobs (NOW HIRING)

Bell Bank

Retail Underwriter

Fargo, ND · On-site

Underwrite all home equity loans and home equity lines of credit to ensure compliance regulations are met. * Underwrite all consumer loans to ensure compliance and Bell Bank guidelines are being met.

Career Site

Retail Underwriter

Fargo, ND

Underwrite all home equity loans and home equity lines of credit to ensure compliance regulations are met. * Underwrite all consumer loans to ensure compliance and Bell Bank guidelines are being met.

FocusOne Mortgage Solutions

Jr Underwriter

Houston, TX · On-site

This role offers hands-on experience underwriting Texas Home Equity loans while expanding your skills through backup closing responsibilities. If you're looking for a company that values teamwork ...

FocusOne

Jr Underwriter

Houston, TX · On-site

This role offers hands-on experience underwriting Texas Home Equity loans while expanding your skills through backup closing responsibilities. If you're looking for a company that values teamwork ...

Citizens

Home Equity Senior Underwriter

Johnston, RI

$99K - $117K/yr

As the Home Equity Sr Underwriter, 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 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

Home Equity Senior Underwriter

Johnston, RI · On-site

$99K - $117K/yr

As the Home Equity Sr Underwriter, 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 Senior Underwriter

Johnston, RI · On-site

$99K - $117K/yr

As the Home Equity Sr Underwriter, 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 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 Sr Underwriter, 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 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 ...

Broadview FCU

Home Equity Lending Specialist

Albany, NY · On-site

The Home Equity Lending Specialist processes and underwrites home equity loan applications submitted by members through various channels. Ensures outstanding member experience and high-quality loan ...

Broadview FCU

Home Equity Lending Specialist

Albany, NY · On-site

The Home Equity Lending Specialist processes and underwrites home equity loan applications submitted by members through various channels. Ensures outstanding member experience and high-quality loan ...

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Home Equity Underwriter information

See salary details

$32.5K

$78.9K

$139.5K

How much do home equity underwriter jobs pay per year?

As of Jul 29, 2026, the average yearly pay for home equity 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 the key skills and qualifications needed to thrive in the Home Equity Underwriter position, and why are they important?

To thrive as a Home Equity Underwriter, you need strong analytical skills, attention to detail, and a solid understanding of credit risk assessment, lending guidelines, and relevant regulatory requirements—typically supported by experience in mortgage or consumer lending. Familiarity with loan origination systems, automated underwriting tools, and financial documentation is common, and certifications like FHA DE or VA SAR can be advantageous. Exceptional communication, critical thinking, and decision-making abilities help professionals effectively collaborate with loan officers and borrowers. These skills ensure thorough risk evaluation, regulatory compliance, and efficient processing of home equity loan applications.

What are some typical challenges faced by Home Equity Underwriters in their day-to-day work?

Home Equity Underwriters often encounter challenges such as evaluating complex financial documentation, staying up-to-date with changing lending regulations, and managing tight deadlines for loan approvals. Effective underwriters must also ensure that all applications comply with both company and federal guidelines while accurately assessing borrower risk. Collaboration with loan processors, sales teams, and appraisal vendors is frequent, requiring clear communication and problem-solving skills. These challenges make the role both dynamic and rewarding, offering continuous opportunities to build expertise in credit risk and residential lending.

What is a Home Equity Underwriter job?

A Home Equity Underwriter is responsible for evaluating and assessing the risk associated with home equity loan applications. They review financial documents, credit history, property appraisals, and other relevant factors to determine a borrower's creditworthiness. Their goal is to ensure that loans meet company guidelines and regulatory requirements while minimizing risk. Home Equity Underwriters work closely with loan officers and processors to make informed lending decisions.

More about Home Equity Underwriter jobs
What cities are hiring for Home Equity Underwriter jobs? Cities with the most Home Equity Underwriter job openings:
What are the most commonly searched types of Home Equity Underwriter jobs? The most popular types of Home Equity Underwriter jobs are:
What states have the most Home Equity Underwriter jobs? States with the most job openings for Home Equity Underwriter jobs include:
What job categories do people searching Home Equity Underwriter jobs look for? The top searched job categories for Home Equity Underwriter jobs are:
Home Equity Underwriter jobs near you
Infographic showing various Home Equity Underwriter job openings in the United States as of July 2026, with employment types broken down into 1% As Needed, 73% Full Time, 13% Part Time, and 13% Contract. Highlights an 78% Physical, 4% Hybrid, and 18% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Retail Underwriter

Bell Bank

Fargo, ND • On-site

Full-time

Posted 14 days ago

Bell Bank rating

6.5

Company rating: 6.5 out of 10

Based on 8 frontline employees who took The Breakroom Quiz

145th of 170 rated banks

Job description

This position reviews, underwrites and ensures accuracy and completeness of loan documentation of consumer home equity loans and home equity lines of credit generated by Bell Bank locations according to Bell Bank policy.
Responsibilities:
  • Following prescribed guidelines, receive and review loan applications and associated documentation to insure thoroughness and accuracy.
  • Underwrite all home equity loans and home equity lines of credit to ensure compliance regulations are met.
  • Underwrite all consumer loans to ensure compliance and Bell Bank guidelines are being met.
  • Underwrite each individual request with creativity in an attempt to find terms under which that request can be approved when at all possible.
  • Verify loan-to-value ratios, completeness of application information and review credit reports
  • Verify debt-to-income ratios by calculating and confirming monthly income via income documents provided
  • Work directly with the loan officer on obtaining required documentation for verification of information provided by the customer.
  • Analyze credit reports and associated documentation, qualify and classify loans according to Bell Bank guidelines.
  • Review appraisals to comply with Bell Bank guidelines.
  • Maintain acceptable turnaround times for applications submitted for approval.
  • Interact with appropriate departments regarding problem resolution, risk evaluation and compliance concerns as needed.
  • Follow lending limits as outlined in loan policy, adhering to loan committee policy.
  • Review all retail home equity loan files to ensure the documentation is accurate. Contact loan officer or processor for any additional documentation required to properly complete the underwriting review.
  • Monitor and report to retail underwriting manager the performance of loan officers and processors on files submitted to the underwriter.
  • Work with loan servicing staff to keep them informed of changes in the loan request.

Bell Bank Culture, Policy and Accountability Standards:
  • Know by name and face as many customers and employees as possible, calling them by name as often as possible.
  • Know and practice LOCBUTN, our Golden Rules, and Bell Bank Customer Service Standards.
  • Know, understand, and live the company values and bottom line.
  • Conduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act and all applicable state and federal laws and regulations.
  • All employees are responsible for information security, including compliance with policies and standards which protect sensitive information.
  • Prompt and reliable attendance.
  • Perform other duties as assigned.

Education, Experience, and Other Expectations:
  • Minimum three years of lending experience.
  • Thorough understanding of home equity underwriting guidelines, real estate compliance regulations and a general understanding of processing and closing function of the entire real estate lending process.

Skills and Knowledge:
  • Detail oriented with the ability to make decisions based on facts presented and guidelines established.
  • Strong interpersonal skills with the ability to communicate clearly across all lines of business while handling multiple priorities

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