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Remote Commercial Underwriter Jobs (NOW HIRING)

One80 Intermediaries

Commercial Underwriter

$70K - $100K/yr

We are seeking an experienced Underwriter with a strong background in wholesale underwriting for business auto and other commercial package lines, including general liability, business property, and ...

First American

$30.91 - $41.20/hr

In this role, you will support and underwrite a broad range of commercial real estate transactions ... Remote candidates outside the Houston area are also encouraged to apply. What You'll Do * Perform ...

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All JobsRemote Commercial Underwriter Jobs

Remote Commercial Underwriter information

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$35.5K

$70.3K

$110.5K

How much do remote commercial underwriter jobs pay per year?

As of Jul 3, 2026, the average yearly pay for remote commercial underwriter in the United States is $70,317.00, according to ZipRecruiter salary data. Most workers in this role earn between $50,000.00 and $83,000.00 per year, depending on experience, location, and employer.

How does working remotely as a Commercial Underwriter impact collaboration with brokers and internal teams?

As a remote Commercial Underwriter, effective communication is essential since you will frequently collaborate with brokers, sales teams, and other underwriters through digital channels. Most companies utilize secure platforms for document sharing, video meetings, and instant messaging to facilitate teamwork and decision-making. While you may not have in-person meetings, you'll still be expected to participate actively in virtual discussions, provide timely responses to inquiries, and contribute to group projects. This setup can offer flexibility but also requires strong organizational skills and proactive communication to ensure successful outcomes.

Can underwriting be done remotely?

Remote commercial underwriters can perform their duties from outside the traditional office environment, utilizing digital tools and underwriting software to assess risks and review applications. Many companies now offer remote positions, especially for experienced underwriters with strong communication and analytical skills. However, some roles may require occasional in-office meetings or specific certifications.

Will underwriters be replaced by AI?

Remote commercial underwriters analyze risk and determine policy terms, and AI tools are increasingly used to assist with data analysis and risk assessment. While AI can automate routine tasks, underwriters' expertise remains essential for complex decision-making and interpreting nuanced information. The role is evolving to include oversight of AI systems and data analysis skills.

What are the key skills and qualifications needed to thrive as a Remote Commercial Underwriter, and why are they important?

To thrive as a Remote Commercial Underwriter, you need strong analytical skills, a solid understanding of risk assessment, and a background in finance or insurance, typically supported by a relevant degree or professional certification. Proficiency in underwriting software, risk modeling tools, and familiarity with industry regulations are critical technical requirements. Exceptional attention to detail, clear communication, and the ability to work independently are standout soft skills for this role. These abilities ensure accurate risk evaluations, effective client interactions, and efficient remote collaboration, which are vital for success in underwriting commercial policies.

What Does a Remote Commercial Underwriter Do?

As a remote commercial underwriter, your responsibilities are to develop and suggest insurance policies and services for non-residential real estate property. Your duties are to assess the risk associated with a particular property, review all legal documents related to the property and ownership, and recommend a particular policy based on your analysis. Things you need to consider include the likelihood of property damage due to natural events, such as flooding, fire, earthquakes, or hurricanes. You also take into account the credit history and risk that the property owner has.

What does a Remote Commercial Underwriter do?

A Remote Commercial Underwriter evaluates and analyzes the risks of insuring commercial clients, such as businesses, while working from a remote location. They review applications, financial statements, and other relevant documents to determine whether to approve or decline insurance coverage, and at what terms. Their goal is to ensure that policies are profitable for the insurer while meeting the needs of clients. Remote underwriters use specialized software to assess risks and often communicate with agents and clients through email or video calls.

Can you work remotely as an underwriter?

Remote commercial underwriters can often perform their duties from home, especially with the use of digital tools and underwriting software. Many companies offer remote positions for underwriters, requiring strong analytical skills and industry certifications, and may involve regular virtual meetings and communication. However, some roles may require on-site presence for certain assessments or meetings.

What is the difference between Remote Commercial Underwriter vs Remote Business Loan Underwriter?

AspectRemote Commercial UnderwriterRemote Business Loan Underwriter
CredentialsTypically requires underwriting certifications, finance or insurance licensesSimilar credentials, often requiring finance or banking certifications
Work EnvironmentRemote, within insurance or financial services companiesRemote, within banking or lending institutions
Industry UsageInsurance, commercial financeBanking, commercial lending
Job FocusAssessing insurance risks and policy underwritingEvaluating business loan applications and creditworthiness

Both roles involve financial assessment and require similar certifications, but the Remote Commercial Underwriter focuses on insurance policies, while the Remote Business Loan Underwriter specializes in evaluating business loan applications. They share work environments and industry usage, making them closely related but distinct in their specific responsibilities.

What is the salary for remote underwriting?

The average salary for a remote commercial underwriter ranges from $60,000 to $90,000 annually, depending on experience, location, and the employer. Senior or specialized underwriters may earn higher compensation, and some roles include performance bonuses or benefits. Salary levels can also vary based on industry and certification credentials such as CPCU or ARM.
More about Remote Commercial Underwriter jobs
What cities are hiring for Remote Commercial Underwriter jobs? Cities with the most Remote Commercial Underwriter job openings:
What are the most commonly searched types of Commercial Underwriter jobs? The most popular types of Commercial Underwriter jobs are:
What states have the most Remote Commercial Underwriter jobs? States with the most job openings for Remote Commercial Underwriter jobs include:
What job categories do people searching Remote Commercial Underwriter jobs look for? The top searched job categories for Remote Commercial Underwriter jobs are:
Remote Commercial Underwriter jobs near you
Infographic showing various Remote Commercial Underwriter job openings in the United States as of June 2026, with employment types broken down into 93% Full Time, and 7% Part Time. Highlights an 37% Physical, 3% Hybrid, and 60% Remote job distribution, with an average salary of $70,317 per year, or $33.8 per hour.

Commercial Underwriter

Gradient Mortgage Capital

Fort Lauderdale, FL • Remote

Full-time

Posted 19 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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