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Remote Collateral Underwriter Jobs (NOW HIRING)

PNC Bank

Underwriting Associate - Commercial

Cleveland, OH · On-site +1

$37K/yr

... and collateral analysis. Furthermore, you will research/respond to internal/external customer ... This position may be eligible for remote work in select geographic locations, subject to approval ...

PNC Bank

Underwriting Associate - Commercial

Home, WA · On-site +1

$37K/yr

... and collateral analysis. Furthermore, you will research/respond to internal/external customer ... This position may be eligible for remote work in select geographic locations, subject to approval ...

PNC Bank

Underwriting Associate - Commercial

Portage, WI · On-site +1

$37K/yr

... and collateral analysis. Furthermore, you will research/respond to internal/external customer ... This position may be eligible for remote work in select geographic locations, subject to approval ...

Plaza Home Mortgage, Inc.

Non-QM Underwriter

San Diego, CA · Remote

$43.27 - $55.29/hr

This role requires advanced analysis of borrower capacity, collateral, and creditworthiness through ... This is a remote position . Compensation and Benefits: Estimated Rate of Pay: $43.27 - $55.29 This ...

PNC Bank

Underwriting Associate - Commercial

Center, TX · On-site +1

$37K/yr

... and collateral analysis. Furthermore, you will research/respond to internal/external customer ... This position may be eligible for remote work in select geographic locations, subject to approval ...

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Remote Collateral Underwriter information

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$32.5K

$78.9K

$139.5K

How much do remote collateral underwriter jobs pay per year?

As of Aug 7, 2026, the average yearly pay for remote collateral 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 some common challenges faced by remote collateral underwriters and how can they be addressed?

Remote Collateral Underwriters often face the challenge of limited access to physical property inspections and must rely heavily on digital documentation and third-party appraisal reports. Maintaining effective communication with appraisers, loan officers, and other stakeholders is crucial to ensure the accuracy and completeness of information. Additionally, staying up-to-date with changing underwriting guidelines and leveraging secure technology platforms can help streamline workflow and minimize errors. Building strong organizational habits and proactively seeking clarification when needed are key strategies for success in this remote role.

What is the difference between Remote Collateral Underwriter vs Remote Mortgage Underwriter?

AspectRemote Collateral UnderwriterRemote Mortgage Underwriter
CredentialsTypically requires mortgage underwriting certifications and knowledge of collateral evaluationRequires mortgage underwriting licenses and familiarity with loan documentation
Work EnvironmentPerforms analysis remotely, often for banks or mortgage lendersWorks remotely or in office, assessing loan applications and documentation
Industry UsageUsed mainly in mortgage lending and real estate financeCommon in mortgage banking and loan processing
Comparison FocusFocuses on collateral valuation and risk assessmentFocuses on overall loan approval and compliance

The Remote Collateral Underwriter primarily evaluates collateral value and risk in mortgage transactions, while the Remote Mortgage Underwriter reviews entire loan files for approval. Both roles require mortgage-related certifications and are integral to the mortgage lending industry, but they focus on different aspects of the underwriting process.

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

To thrive as a Remote Collateral Underwriter, you need a solid understanding of mortgage underwriting guidelines, risk assessment, and property valuation, typically backed by experience in residential or commercial lending. Proficiency with loan origination systems, automated underwriting software (such as DU or LP), and familiarity with relevant certifications like DE or SAR is often required. Strong analytical thinking, attention to detail, and effective communication skills set top performers apart in this role. These skills and qualities are crucial for accurately assessing collateral risk, ensuring compliance, and facilitating smooth loan processing in a remote environment.

What is a remote collateral underwriter?

A Remote Collateral Underwriter is a financial professional who evaluates and verifies the value and quality of collateral, such as real estate or other assets, for loan applications while working from a remote location. Their primary responsibility is to assess whether the collateral offered by borrowers meets the lender’s standards and mitigates risk. They analyze appraisals, property reports, and sometimes work with automated valuation tools to ensure the security and accuracy of the collateral value. This role is crucial in mortgage lending, refinancing, and other secured loans, and it typically involves close coordination with loan officers, appraisers, and risk management teams.
More about Remote Collateral Underwriter jobs
What cities are hiring for Remote Collateral Underwriter jobs? Cities with the most Remote Collateral Underwriter job openings:
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Remote Collateral Underwriter jobs near you
Infographic showing various Remote Collateral Underwriter job openings in the United States as of July 2026, with employment types broken down into 93% Full Time, 5% Part Time, and 2% Contract. Highlights an 85% Physical, 6% Hybrid, and 9% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Commercial/Business Banking Underwriter - Remote

Zions Bancorporation

Midvale, UT • On-site, Remote

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted yesterday

New

Zions Bancorporation rating

8.2

Company rating: 8.2 out of 10

Based on 45 frontline employees who took The Breakroom Quiz

51st of 170 rated banks

Job description

Did you know that Zions Bancorporation is one of the nation's premier financial services companies with total assets exceeding $70 billion? With local management teams at the helm in 11 western states, Zions is dedicated to making a difference in their local communities. At Zions, we haven't forgotten who keeps us in business, meaning we're committed to the success of our customers, and our employees. Here, the possibilities are endless - come for a job, stay for a career. This is a remote position.
The ideal candidate for the Commercial Small Business Banking Underwriter position will have the skills and experience necessary to:
• Responsible for compilation of data as it relates to preparation of credit packages (or pre-screens) incorporating spreads, cash flow, value of related collateral, appraisals, audits and other data.
• Interpret outcome of analysis and prepares summary, recommendations and may make joint presentations with Relationship Manager (RM) to Credit Approvers on renewals and new loans submitted.
• Evaluate, analyze and form opinions for the approving or denying of commercial, commercial RE, and/or business banking loan applications.
• Spread financial statements, identify credit strengths and weaknesses, provide detailed and documented analysis of credit worthiness.
• Ensure credit requests are processed in accordance with bank policies, banking regulations and laws.
• Identify risk and mitigating factors related to conducting a thorough credit analysis for approval.
• Respond to internal and external customer inquiries.
• Recommend exceptions based on findings.
• May work closely with Relationship Manager on the more complex aspects of loan structuring, including long term, fixed vs. variable rates, pre-payment penalty and other variables.
• May have authority to approve loans beyond the organizations guidelines.
• Senior most level may function as a lead and be responsible for second level approvals.
• Other duties as assigned.
Qualifications:
• Requires a Bachelor's in Finance, Business, Accounting or a related field and 1+ year commercial, commercial real estate credit or small business underwriting, spread analysis, lending, underwriting concepts, practices and procedures or other directly related experience.
• A combination of education and experience may meet qualifications.
• Basic knowledge of commercial, commercial RE and/or small business credit underwriting, spread analysis, lending, underwriting concepts, practices and procedures.
• Basic knowledge of C&I and CRE loan requirements with the ability to identify risk and mitigating factors related to conducting a thorough credit analysis for approval. Knowledge of balance sheets, income and cash flow statements.
• Good understanding of commercial and/or small business lending policies and procedures and general banking laws and regulations.
• Ability to analysis and research financial statements, business plans, credit reports, debt ratios and loan to value information.
• Possess good judgment, ability to make sound decisions.
• Ability to accept responsibility and handle confidential information.
• Must have good customer relations and communication skills.
• Must be a self-starter, dependable, accurate in completing responsibilities with strong attention to detail and organizational skills.
• Working knowledge of a various related software applications, including spreadsheets, word processing, etc.
Benefits:
• Medical, Dental and Vision Insurance - START DAY ONE!
• Life and Disability Insurance, Paid Parental Leave and Adoption Assistance
• Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts
• Paid Training, Paid Time Off (PTO) and 11 Paid Federal Holidays
• 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience
• Mental health benefits including coaching and therapy sessions
• Tuition Reimbursement for qualifying employees
• Employee Ambassador preferred banking products
• Employees may, at the company's discretion, be eligible to receive a cash bonus award

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