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Real Estate Underwriter Jobs (NOW HIRING)

Columbia Bank

NY · On-site

$100 - $175/hr

About the Role Underwrites and prepares credit presentations for complex Commercial Real Estate (CRE) loans. Assists Relationship Managers (RMs) in the monitoring of a large loan portfolio consisting ...

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Real Estate Underwriter information

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How much do real estate underwriter jobs pay per year?

As of Sep 7, 2026, the average yearly pay for real estate underwriter in the United States is $109,999.00, according to ZipRecruiter salary data. Most workers in this role earn between $103,500.00 and $115,000.00 per year, depending on experience, location, and employer.

What is a real estate underwriter?

A real estate underwriter is the unseen entity that approves or denies funding or loan requests for real estate projects like a mortgage loan application. In this role, you usually work for a real estate company to determine the level of risk for the lender or your employer. Your research determines whether a borrower receives funds. You weigh specifications like the land value and the borrower’s credit history to make your decision. Your job duties center around conducting research on the applicant and their finances as well as the property’s appraisal value. This includes setting up the appraisal process, checking credit scores, and verifying property details.

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

To thrive as a Real Estate Underwriter, you need strong analytical skills, financial acumen, and a solid understanding of real estate markets, typically supported by a degree in finance, business, or a related field. Familiarity with underwriting software, loan origination systems, and knowledge of industry regulations and certifications like the Mortgage Bankers Association (MBA) Certified Mortgage Banker (CMB) are highly beneficial. Attention to detail, effective communication, and sound judgment are vital soft skills for accurately evaluating risk and collaborating with stakeholders. These skills ensure precise risk assessment, compliance, and sound decision-making in complex real estate transactions.

What are some common challenges faced by real estate underwriters, and how can they be managed effectively?

Real Estate Underwriters often encounter challenges such as evaluating complex property portfolios, assessing borrower creditworthiness, and keeping up with fluctuating market conditions. Managing these challenges requires strong analytical skills, attention to detail, and the ability to interpret financial statements and market data accurately. Collaborating closely with loan officers, appraisers, and risk managers also helps ensure thorough risk assessment and compliance with lending policies. Staying updated on industry trends and regulations further supports effective decision-making in this dynamic field.

What is the difference between Real Estate Underwriter vs Mortgage Underwriter?

AspectReal Estate UnderwriterMortgage Underwriter
CredentialsTypically requires a license or certification in real estate or underwritingRequires mortgage licensing, such as MLO license, and certifications like AUS or FHA
Work EnvironmentWorks in real estate firms, banks, or mortgage companies assessing property risksWorks primarily in banks or mortgage lenders evaluating loan applications
Industry UsageUsed in real estate transactions, property financing, and investment analysisUsed in mortgage lending, loan approval, and credit risk assessment

While both roles involve evaluating financial and property data, a Real Estate Underwriter focuses on assessing property value and risk in real estate transactions, whereas a Mortgage Underwriter concentrates on evaluating borrower creditworthiness for mortgage approval. Both roles require similar certifications and work in related environments, but their primary focus differs within the real estate and lending industries.

Is it hard to get a job in real estate underwriting?

Getting a job as a real estate underwriter can be competitive, often requiring relevant experience in finance, real estate, or lending, along with strong analytical skills. Many employers prefer candidates with a bachelor's degree and familiarity with underwriting software and industry regulations. Building a professional network and obtaining certifications like the CCIM or CRE can improve job prospects.

What does a real estate underwriter do?

A real estate underwriter evaluates mortgage loan applications by analyzing property values, borrower creditworthiness, and financial documents to assess risk. They ensure loans comply with lending policies and industry standards, often using specialized software and financial analysis skills. Their work helps lenders make informed decisions and manage risk effectively.
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Real Estate Underwriter jobs near you
Infographic showing various Real Estate Underwriter job openings in the United States as of August 2026, with employment types broken down into 100% Full Time. Highlights an 87% In-person, and 13% Remote job distribution, with an average salary of $109,999 per year, or $52.9 per hour.

Real Estate Lending Underwriter

SimpleCiti Companies

Garden City South, NY • On-site

$80 - $100/hr

Other

Posted 19 days ago

Job description

SimpleCREDIT is a growing private lender, based in Garden City, NY, built for credit professionals who want to underwrite real deals across the investment property and transitional lending space. We focus on core business-purpose lending including DSCR, residential transition, bridge, fix‑and‑flip, ground‑up construction, multi‑property and blanket structures, and small development projects, backed by institutional capital, with plans to continue expanding our product and capital access. We are seeking experienced credit and underwriting staff.

Our lending platform is affiliated with an established real estate and specialty finance group with active operating businesses, properties, and investment‑related entities. That affiliation provides our underwriting team with immediate access to existing deal flow, operational infrastructure, and industry relationships, not a cold start.

This is an opportunity to help build a lending platform early, with the ability to influence credit standards and grow with the business while leveraging internal deal flow, shared resources, and long‑term expansion plans.

Responsibilities
  • Underwrite DSCR, bridge, fix‑and‑flip, ground‑up construction, and blanket loans across the affiliated lending platform
  • Evaluate sponsor strength, liquidity, experience, and track record
  • Analyze project budgets, construction timelines, and cost‑to‑complete risk
  • Review appraisals, feasibility studies, rent rolls, and market fundamentals
  • Assess exit strategy viability and market liquidity
  • Structure transactions to balance risk and growth
  • Prepare clear written credit memos and present recommendations in committee
  • Partner with originations to improve deal quality without compromising standards
  • Identify portfolio‑level risk patterns and provide insight to leadership
  • Manage the full underwriting lifecycle from initial review through credit approval and closing
  • Coordinate with originations, processing, and closing teams on conditions and documentation
  • Maintain accurate credit files and records in the loan origination system
  • Contribute to guideline and policy refinement as the platform scales
  • 3–7 years underwriting investment property or business‑purpose real estate loans
  • Direct experience with ground‑up construction risk, blanket and portfolio loans, transitional real estate, and DSCR underwriting
  • Working knowledge of LTC vs. LTV tradeoffs, construction draw risk, cost overruns and contingency analysis, debt yield, DSCR, and exit risk
  • Demonstrated ability to evaluate sponsors beyond credit score
  • Experience defending or presenting credit decisions in committee or leadership forums
  • Proficiency with loan origination and underwriting platforms and Excel‑based credit modeling
  • Ability to manage a pipeline and work independently across multiple concurrent deals
  • Experience with small‑balance commercial, multifamily, or mixed‑use assets a plus
  • Familiarity with institutional capital requirements or fund‑level reporting a plus
  • Experience mentoring junior underwriters or analysts a plus
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