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Junior Underwriter Jobs in Reston, VA (NOW HIRING)

Manulife

Senior Underwriting Consultant

Washington, DC · Remote

$111K - $131K/yr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

... more junior colleagues. Position Responsibilities: * In addition to those performed by Underwriter Consultants - identify and provide solutions to work related problems and issues (i.e. Work flow ...

Prudential

PGIM Real Estate -Agency Underwriter

Arlington, VA · Hybrid

$120K - $140K/yr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

As a member of the multifamily underwriting team, this role plays a critical part in managing loan ... Experience mentoring and training junior team members What will set you apart: * Excellent verbal ...

PGIM

PGIM Real Estate -Agency Underwriter

Arlington, VA · Hybrid

$120K - $140K/yr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

As a member of the multifamily underwriting team, this role plays a critical part in managing loan ... Experience mentoring and training junior team members What will set you apart: * Excellent verbal ...

PGIM

PGIM Real Estate -Agency Underwriter

Arlington, VA · On-site

$135K - $145K/yr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

As a member of the multifamily underwriting team, this role plays a critical part in managing loan ... Experience mentoring and training junior team members What will set you apart: * Excellent verbal ...

Temple View Capital LLC

Underwriter

Bethesda, MD · Hybrid

$80K - $90K/yr

  • Retirement

We seek an Underwriter with a demonstrated track record of reviewing, analyzing, and decisioning BPL mortgage loan files to join our existing underwriting team. In this role, the Underwriter joins a ...

Temple View Capital LLC

Underwriter

Bethesda, MD · Hybrid

$80K - $90K/yr

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

We seek an Underwriter with a demonstrated track record of reviewing, analyzing, and decisioning BPL mortgage loan files to join our existing underwriting team. In this role, the Underwriter joins a ...

The World Bank Group

Underwriter

Washington, DC · On-site

MIGOP is seeking a highly experienced, motivated, and proactive Underwriter with strong project finance, public sector finance, political risk insurance, trade finance and/or structured finance ...

World Bank

Underwriter

Washington, DC · On-site

MIGOP is seeking a highly experienced, motivated, and proactive Underwriter with strong project finance, public sector finance, political risk insurance, trade finance and/or structured finance ...

The Hartford

Captives Underwriter

Alexandria, VA · Hybrid

$124K - $199K/yr

Senior Executive Underwriter - UW07CCExecutive Underwriter - UW07CD We're determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies.

Turn2Partners

Senior, Underwriter

Washington, DC · On-site

$135K/yr

This individual will support the underwriting, structuring, and execution of new financing opportunities across a diverse mix of transaction types and deal structures. This is a strong opportunity ...

Diedre Moire Corp.

Insurance Underwriter

Darnestown, MD · On-site

$100K - $300K/yr

  • Medical

  • Retirement

  • PTO

Insurance Underwriter - Food (Prepared Takeout) - Germantown, MD Insurance Underwriter Specialty Program Excess Surplus Commercial Lines Program Underwriter Restaurant Prepared Food Caterers Takeout ...

Diedre Moire Corp.

Surety Underwriter

Ashburn, VA · On-site

$140K - $250K/yr

  • Medical

  • Dental

  • Retirement

  • PTO

Underwriting Manager Commercial Surety - Ashburn, VA Surety Underwriter Underwriting Surety Insurance Contract Surety Bonds Construction Surety Commercial Insurance License & Permit bonds Bid ...

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Junior Underwriter information

See Reston, VA salary details

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How much do junior underwriter jobs pay per hour?

As of Aug 13, 2026, the average hourly pay for junior underwriter in Reston, VA is $23.17, according to ZipRecruiter salary data. Most workers in this role earn between $17.50 and $28.51 per hour, depending on experience, location, and employer.

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.

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 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.

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, but entry-level roles are generally accessible to candidates with the right qualifications and training.

How do I become a junior underwriter with no experience?

To become a junior underwriter with no experience, candidates should focus on gaining relevant knowledge through online courses or certifications in insurance or risk assessment. Entry-level roles often require strong analytical skills, attention to detail, and basic computer proficiency; internships or related administrative roles can also provide valuable experience and industry exposure.

How much do beginner underwriters make?

Entry-level underwriters typically earn between $45,000 and $60,000 annually, depending on the industry, location, and company size. Starting salaries may be lower for those without prior experience, but can increase with relevant certifications and skills in risk assessment and insurance policies.
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Junior Underwriter jobs near you

Underwriting - Senior Underwriter

Stanley Martin Homes

Fairfax, VA • On-site

$85K - $110K/yr

Full-time

Medical, Life, Retirement, PTO

Re-posted 20 days ago

Job description

Join the First Heritage Mortgage Team
We're just as committed to our employees as we are to our customers. As a growing leader in the mortgage industry, we are actively seeking creative, driven individuals to provide the highest level of service and forward-looking solutions.
Explore Opportunities Today
The Senior Underwriter is responsible for reviewing and rendering credit decisions on FHA, VA,
Conventional, and Non-Agency residential mortgage loan applications, ensuring full compliance with First Heritage
Mortgage LLC, investor, and agency guidelines. This role requires expert-level knowledge of HUD and VA policies, strong
risk assessment skills, and the ability to apply overlays consistently. The Senior Government Underwriter will utilize active
FHA Direct Endorsement (DE) and/or VA SAR/LAPP authority to review credit, income, assets, and collateral, making
sound credit decisions while mentoring junior underwriting staff and supporting complex loan scenarios.
Responsibilities and Duties
Underwriting & Decisioning
• Review and validate credit, property, income, asset, and employment documentation for FHA, VA, USDA, and
applicable state housing programs.
• Apply HUD Handbook 4000.1, VA Lender's Handbook, investor overlays, and company guidelines to ensure
compliance.
• Utilize DE and/or SAR authority to approve, suspend, counter-offer, or decline loan files.
• Review and analyze appraisals for accuracy, completeness, and acceptability under FHA and VA requirements.
• Identify and address red flags for potential fraud or misrepresentation.
Collaboration & Communication
• Prepare clear, concise underwriting summaries outlining the credit decision rationale.
• Communicate conditions and decisions effectively to Loan Officers, Processors, and other stakeholders.
• Support escalated scenarios and complex guideline interpretation requests.
File Management & Quality Control
• Review resubmissions and clear conditions to issue final approvals.
• Maintain quality underwriting standards to minimize audit findings and repurchase risk.
• Stay informed on guideline, regulatory, and compliance changes, ensuring timely application in daily work.
Mentorship & Leadership Support
• Provide guidance and training to less experienced underwriters and processing staff.
• Contribute to internal underwriting policy updates and procedural improvements.
Qualifications
Required Skills/Abilities
• Exceptional written and verbal communication skills.
• Proven ability to document clear, defensible underwriting decisions.
• High attention to detail and strong analytical capabilities.
• Expertise in credit, income, and asset evaluation for FHA and VA lending.
• Proficiency in reviewing personal and business tax returns for income calculation.
• In-depth knowledge of underwriting policies, investor guidelines, and current regulatory requirements.
• Professional judgment to handle confidential borrower information with integrity.
• Strong time management and organizational skills to meet volume and turn-time goals.
Education/Experience Requirements
• Minimum 5+ years recent FHA and VA residential mortgage underwriting experience.
• Active FHA Direct Endorsement (DE) and/or VA SAR/LAPP designation in good standing required.
• Experience underwriting USDA and state housing finance/bond programs preferred (Virginia Housing, Maryland
Housing, etc.)
• Experience in a high-volume retail mortgage environment strongly preferred.
• Knowledge of Encompass Loan Origination System preferred.
What's In It For Me:
  • Access to competitively priced, high-quality health care options through Aetna, MetLife and EyeMed, along with employer-paid Short Term and Long Term disability, basic life and AD&D insurance (including employee-paid life, Legal Resources, and Aflac supplemental options)
  • Plan for the future by investing in a 401(K), with up to $4K employer match, invest even more with our Health Savings Account (HSA)
  • Put your family first with Flexible Spending Account (FSA) for dependent care
  • 12 weeks of paid maternity leave through our Short-Term Disability Plan
  • Receive well-rounded wellness benefits, including free and low-cost mental health resources and support services through our Employee Assistance Program
  • Rest and relax with Paid Time Off (increases with tenure)
  • Protect yourself from identity theft or travel mishaps with our no-cost coverage
  • Get access to your paycheck early with an advanced pay option through Dayforce Wallet

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