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Junior Underwriter Jobs in Boca Raton, FL (NOW HIRING)

AD Mortgage

VA Senior Underwriter

Fort Lauderdale, FL

$93K - $111K/yr

Review and underwrite VA mortgage loan files to ensure compliance with VA, investor, and company guidelines * Analyze borrower credit, income, assets, and collateral to determine loan eligibility

AD Mortgage

VA Senior Underwriter

Fort Lauderdale, FL · On-site +1

$93K - $111K/yr

About this opportunity We are seeking an experienced and detail-oriented VA Underwriter to join our growing underwriting team. This role is responsible for reviewing and assessing residential ...

AHG Pay

Junior Account Executive

West Palm Beach, FL · On-site

Role Description The Junior Account Executive is a full-time, on-site role based in West Palm Beach ... underwriting requirements of high-risk industries. The role offers exposure to complex payments ...

New

Onity Group

Non-QM Underwriter

West Palm Beach, FL · On-site

$90 - $105/hr

We are hiring experienced Non-QM Underwriters to support the expansion of our rapidly growing non-delegated channel. The Non-QM Mortgage Underwriter reviews, conditions, and underwrites mortgage ...

Ocwen

Non-QM Underwriter

West Palm Beach, FL · On-site

$90K - $105K/yr

The Non-QM Mortgage Underwriter reviews, conditions and underwrites mortgage loans in accordance with established policies and procedures and appropriate guidelines; examines all documentation for ...

LendingOne

Credit Analyst/Underwriter

Boca Raton, FL · On-site

The Credit Analyst/Underwriter is responsible for underwriting complex commercial real estate loans with minimal supervision, they will evaluate real estate loan opportunities by analyzing cost to ...

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Junior Underwriter information

See Boca Raton, FL salary details

$7

$21

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How much do junior underwriter jobs pay per hour?

As of Sep 6, 2026, the average hourly pay for junior underwriter in Boca Raton, FL is $21.13, according to ZipRecruiter salary data. Most workers in this role earn between $15.96 and $26.01 per hour, depending on experience, location, and employer.

What is a junior underwriter?

A junior underwriter works at a loan company or other financial institution and supports a senior underwriter during the consumer loan process. As a junior underwriter, your job duties include reviewing customer loan applications for accuracy and completeness, evaluating credit reports to determine the creditworthiness of an applicant, and resolving issues with the application process. You may also work with the funding side of the business to secure financing for loans.

What does a junior underwriter do?

A Junior Underwriter assists in evaluating and analyzing the risks associated with insurance applications or loan requests. They review documents, verify applicant information, and follow established guidelines to determine eligibility. Working under the supervision of senior underwriters, they help ensure that decisions are accurate and align with company policies. Their role often involves data entry, communication with clients or brokers, and learning the fundamentals of risk assessment.

What are the key skills and qualifications needed to thrive as a junior underwriter?

To thrive as a Junior Underwriter, you need strong analytical skills, attention to detail, and a bachelor's degree in finance, business, or a related field. Familiarity with underwriting software, risk assessment tools, and regulatory compliance systems is typically required. Effective communication, organization, and a collaborative mindset help individuals excel in evaluating applications and coordinating with teams. These skills ensure accurate risk evaluation, regulatory adherence, and smooth workflow within the underwriting process.

What are some common challenges faced by junior underwriters in their first year on the job?

Junior Underwriters often encounter challenges such as managing a steep learning curve when assessing risk and understanding complex insurance policies. They may also find it challenging to balance speed and accuracy while processing applications, as well as adapting to various underwriting software and compliance requirements. Working closely with senior underwriters and other departments helps develop decision-making skills and a strong attention to detail, both of which are essential for success and career growth in underwriting.

How much do beginner underwriters make?

Entry-level underwriters typically earn between $45,000 and $60,000 annually, depending on the industry and location. Starting salaries may be higher with relevant certifications or a degree in finance or risk management, and the role often requires strong analytical skills and attention to detail.

Is it hard to get a job in underwriting?

Getting a junior underwriter position can be competitive, as it often requires relevant education, such as a degree in finance or risk management, and sometimes industry certifications. Strong analytical skills, attention to detail, and familiarity with underwriting software can improve chances of employment.
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Junior Underwriter jobs near you
Infographic showing various Junior Underwriter job openings in Boca Raton, FL as of August 2026, with employment types broken down into 91% Full Time, 7% Part Time, and 2% Contract. Highlights an 67% Physical, 13% Hybrid, and 20% Remote job distribution, with an average salary of $43,820 per year, or $21.1 per hour.

Commercial Underwriter

Gradient Mortgage Capital

Fort Lauderdale, FL • Remote

Full-time

Re-posted 24 days ago

Job description

Job Title:Commercial UnderwriterLocation:Hybrid (Office/Remote) South FLDepartment/Group:Gradient Mortgage Capital LLC/OperationsTravel Required:NoneJob Status:ExemptPosition Type:Full-Time, RegularWork Schedule:Monday-Friday, 9:00AM – 5:00PM ETReports To:SVP Underwriting/Head of CreditJob Description
Summary
The Commercial Underwriter is responsible for evaluating, structuring, and decisioning Small Balance Commercial Real Estate (SBCRE) loan requests with a high degree of precision, consistency, and sound credit judgment. This role requires hands-on experience underwriting small balance commercial loans, as the complexity and nuance of this market demand a deep understanding of borrower profiles, property types, cash-flow analysis, and SBCRE-specific risk drivers.
The Underwriter performs comprehensive credit analysis of borrowers and guarantors, conducts detailed collateral and market reviews, and applies informed judgment within established credit guidelines. Reporting directly to the Head of Credit, this role plays a critical part in maintaining credit quality while supporting the company’s production and growth objectives. The ideal candidate is analytical, detail-oriented, and capable of operating independently in a fast-paced, entrepreneurial environment.
Essential Duties and Responsibilities
  • Analyze borrower and guarantor financials, including tax returns, income statements, balance sheets, cash flow statements, and projections, with a focus on small balance commercial transactions.
  • Assess borrower and guarantor creditworthiness using credit reports, third-party data, and relevant industry benchmarks.
  • Evaluate real estate collateral by reviewing appraisals, environmental reports, market studies, rent rolls, operating statements, and title documentation to identify and mitigate risk.
  • Structure and recommend loan terms and conditions, including pricing, leverage, and covenants, that appropriately balance risk and business objectives.
  • Exercise sound judgment in nuanced or gray-area credit decisions common in SBC lending, clearly articulating rationale and mitigating factors.
  • Prepare clear, well-documented underwriting narratives and credit memoranda that accurately reflect risk analysis, conclusions, and recommendations.
  • Maintain accurate, complete, and timely records in the loan origination system (LOS) and CRM.
  • Ensure underwriting decisions comply with internal credit policies, regulatory requirements, and fair lending standards.
  • Collaborate with sales, operations, closing, and third-party vendors to obtain required information and support an efficient end-to-end loan process.
  • Contribute toward quarterly production goals and participate in periodic pipeline, production, and credit review meetings.
  • Participate in weekly one-on-one meetings and broader underwriting and production initiatives.
  • Perform other duties and responsibilities as assigned by management.
Required Qualifications and Skills
  • Demonstrated experience underwriting Small Balance Commercial Real Estate loans; investor residential or DSCR experience is a plus but not a substitute.
  • Strong ability to interpret complex financial statements and layered credit profiles typical of SBC transactions.
  • Solid understanding of commercial property types, borrower structures, guarantor analysis, and cash-flow-based underwriting.
  • High attention to detail with strong analytical, organizational, and critical-thinking skills.
  • Ability to work independently while collaborating effectively with cross-functional teams.
  • Comfort operating in a growth-oriented, entrepreneurial environment with evolving processes and priorities.

Education
  • Bachelor’s degree in Finance, Accounting, Real Estate, Economics, Business Administration, or a related field preferred.
  • An equivalent combination of education and directly relevant underwriting experience may be considered in lieu of a degree.

Experience
  • Minimum of 3 to 5 years of direct Small Balance Commercial Real Estate underwriting experience required.
  • Proven experience independently underwriting, structuring, and decisioning SBC loans across common property types, including multifamily, mixed-use, retail, office, industrial, and special-purpose assets.
  • Experience working within defined credit guidelines while applying sound judgment to nuanced or non-standard transactions.
  • Prior experience in a private lender, non-bank lender, or bank commercial credit environment strongly preferred.
  • Familiarity with loan origination systems (LOS), third-party reports, and credit memo preparation required.
Disclaimer
Gradient Mortgage Capital is an equal opportunity employer and is committed to building a diverse and inclusive workplace. We do not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other protected characteristic.
We provide reasonable accommodations to qualified individuals with disabilities and for sincerely held religious beliefs.
This job description is not a contract of employment and does not list all duties of the position. Employment is at-will, and job responsibilities, compensation, and benefits may change at any time, with or without notice, subject to applicable law.
 

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