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Remote Credit Risk Underwriter Jobs (NOW HIRING)

Zippy, Inc

Senior Manager, Credit Risk

Our remote-first team is spread across cities like Dallas, Houston, Knoxville, Omaha, Philadelphia ... Maintain and enhance underwriting authority structures, including approval tiers and escalation ...

Papco

Senior Analyst, Credit & Risk

Miami, FL · Remote

In addition to core underwriting responsibilities, this role supports process and system alignment ... LI-REMOTE World Kinect is an equal opportunity/affirmative action employer. All qualified ...

Adyen

Senior Credit Underwriter

Chicago, IL · On-site +1

$125K - $170K/yr

Senior Credit Risk Analyst - Financial Products As a Senior Credit Risk Analyst based in Chicago ... Drive the continuous improvement of global and US-specific credit risk underwriting and monitoring ...

Guild

VP, Credit Risk

San Diego, CA · On-site +1

The primary responsibilities are managing the company's underwriting guidelines, credit risk policies and loan eligibility parameters. The VP of Credit Risk ensures that the company's lending ...

Guild Mortgage

VP, Credit Risk

San Diego, CA · On-site +1

The primary responsibilities are managing the company's underwriting guidelines, credit risk policies and loan eligibility parameters. The VP of Credit Risk ensures that the company's lending ...

Guild Mortgage

VP, Credit Risk

San Diego, CA · On-site +1

The primary responsibilities are managing the company's underwriting guidelines, credit risk policies and loan eligibility parameters. The VP of Credit Risk ensures that the company's lending ...

FTL Finance

Director, Credit Risk

Saint Charles, MO · On-site +1

... through smarter underwriting and data-driven decisions; building dynamic, risk-based pricing ... Hybrid work arrangement (3 days in-office/2 days remote) * Monthly team celebrations and luncheons

FTL Finance

Director, Credit Risk

Saint Charles, MO · On-site +1

... through smarter underwriting and data-driven decisions; building dynamic, risk-based pricing ... Hybrid work arrangement (3 days in-office/2 days remote) * Monthly team celebrations and luncheons

MQ Referrals Only

Credit Risk Senior Analyst

$99K - $123.80K/yr

As Marqeta's Credit Risk Senior Analyst , you will lead our underwriting strategy helping us to ... Monthly stipend to support our remote work model * Annual "development dollars" to support our ...

Attain Finance

Sr. Manager, Credit Risk

$150K - $185K/yr

... underwriting, account management and/or collections. The incumbent will be responsible for ... Develop credit risk strategies and enhancements for the assigned loan portfolio to improve ...

Marqeta

Credit Risk Senior Analyst

$99K - $123.80K/yr

As Marqeta's Credit Risk Senior Analyst , you will lead our underwriting strategy helping us to ... Monthly stipend to support our remote work model * Annual "development dollars" to support our ...

Prosper

Sr. Credit Risk Analyst

Charleston, WV · Remote

$129K - $161K/yr

... underwriting policies, pricing and credit line strategies, and acquisition frameworks that balance ... Whether you are working from our San Francisco or Phoenix offices or joining us as a fully remote ...

Prosper

Sr. Credit Risk Analyst

$129K - $161K/yr

... underwriting policies, pricing and credit line strategies, and acquisition frameworks that balance ... Whether you are working from our San Francisco or Phoenix offices or joining us as a fully remote ...

Affirm

Analytics Manager, Credit Risk

$191K - $241K/yr

Partner with Machine Learning team and enhance our underwriting framework for low AOV * Support new ... The majority of our roles are remote and you can work almost anywhere within the country of ...

Treliant LLC

Credit Risk SME

$75 - $150/hr

... and underwriting decisions. * Ensure individual loan transactions are adequately underwritten ... Remote Primary Location Salary Range: $75/hr - $150/hr Treliant offers a comprehensive, total ...

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All JobsRemote Credit Risk Underwriter Jobs

Remote Credit Risk Underwriter information

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$46.5K

$87.3K

$148.5K

How much do remote credit risk underwriter jobs pay per year?

As of May 29, 2026, the average yearly pay for remote credit risk underwriter in the United States is $87,290.00, according to ZipRecruiter salary data. Most workers in this role earn between $70,000.00 and $101,500.00 per year, depending on experience, location, and employer.

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

To thrive as a Remote Credit Risk Underwriter, you need strong analytical abilities, knowledge of credit policies, and experience in financial statement analysis, usually backed by a degree in finance, accounting, or a related field. Familiarity with credit risk assessment software, financial modeling tools, and relevant industry certifications such as CRC or CFA is typically required. Outstanding attention to detail, decision-making skills, and effective communication are vital soft skills for collaborating remotely and presenting risk findings. These competencies ensure accurate risk evaluations, minimize financial losses, and maintain strong client and team relationships in a virtual environment.

How does a Remote Credit Risk Underwriter typically collaborate with other departments while working off-site?

As a Remote Credit Risk Underwriter, you’ll regularly collaborate with loan officers, sales teams, and compliance staff through digital communication platforms such as email, video conferencing, and specialized underwriting software. Clear and timely communication is essential, since you'll often be relied upon for quick risk assessments and policy clarifications. Many organizations foster teamwork by holding virtual meetings, using project management tools, and maintaining shared digital workspaces to ensure remote underwriters stay connected and aligned with overall business goals.

What does a Remote Credit Risk Underwriter do?

A Remote Credit Risk Underwriter evaluates loan applications and assesses the creditworthiness of individuals or businesses from a remote location, typically working from home. They analyze financial statements, credit reports, and other relevant data to determine the risk involved in lending money. Their goal is to ensure that loans are only approved for applicants who are likely to repay them, thus minimizing losses for the lender. Remote underwriters use digital tools and platforms to perform their assessments and communicate with colleagues and clients.

What is the difference between Remote Credit Risk Underwriter vs Remote Credit Analyst?

AspectRemote Credit Risk UnderwriterRemote Credit Analyst
Primary RoleAssess and approve credit risk for loan applicationsAnalyze credit data to evaluate borrower creditworthiness
Required CredentialsTypically requires underwriting certifications, finance or banking backgroundOften requires finance or accounting background, sometimes certifications
Work EnvironmentCollaborates with underwriters, lenders, and risk teamsWorks with loan officers, clients, and risk management teams
Industry UsageCommon in banking, lending, and financial servicesWidely used in banking, mortgage, and lending sectors

While both roles involve analyzing credit data, the Remote Credit Risk Underwriter primarily makes approval decisions based on risk assessment, whereas the Remote Credit Analyst focuses on evaluating creditworthiness to inform lending decisions. Both roles require financial knowledge and often similar certifications, but their core responsibilities differ in scope and decision-making authority.

More about Remote Credit Risk Underwriter jobs
What cities are hiring for Remote Credit Risk Underwriter jobs? Cities with the most Remote Credit Risk Underwriter job openings:
What are the most commonly searched types of Credit Risk Underwriter jobs? The most popular types of Credit Risk Underwriter jobs are:
What states have the most Remote Credit Risk Underwriter jobs? States with the most job openings for Remote Credit Risk Underwriter jobs include:
What job categories do people searching Remote Credit Risk Underwriter jobs look for? The top searched job categories for Remote Credit Risk Underwriter jobs are:
Remote Credit Risk Underwriter jobs near you
Infographic showing various Remote Credit Risk Underwriter job openings in the United States as of May 2026, with employment types broken down into 8% Internship, 75% Full Time, and 17% Contract. Highlights an 100% Remote job distribution, with an average salary of $87,290 per year, or $42 per hour.
Senior Manager, Credit Risk

Senior Manager, Credit Risk

Zippy, Inc

Remote

Full-time

Medical, Dental, Vision, Life, PTO

Posted 27 days ago

Job description

Zippy was founded with one mission: to make getting a loan for a manufactured home simple, fast, and fully online. We believe modern manufactured homes are affordable, well-built, eco-friendly, and stylish, but finding a lender who understands this market can be challenging. That's why Zippy focuses exclusively on manufactured home loans, offering a seamless, digital experience.
Headquartered in Dallas, TX, with an office in Tempe, AZ, Zippy provides home loans and insurance to manufactured home buyers throughout the United States. Our remote-first team is spread across cities like Dallas, Houston, Knoxville, Omaha, Philadelphia, Phoenix, and several other states and cities. Backed by institutional investors, we offer competitive pay, stock options, and excellent benefits. At Zippy, we pride ourselves on our commitment to finance happiness through the power of home. We are dedicated to enhancing consumers' financial outcomes and tackling the affordable housing crisis through cutting-edge technology and innovative solutions.
The Role
The Senior Manager, Credit Risk is responsible for executing and maintaining the company's credit policy, underwriting governance, and guideline framework across originations. This role serves as the central point of contact for credit-related questions, ensuring consistent application of underwriting standards and alignment with investor requirements.
This position emphasizes practical decision making, policy clarity, and operational consistency. The role is responsible for translating complex or ambiguous guidelines into clear internal standards, maintaining underwriting authority structures, and supporting scalable credit decisioning across the organization.
While this role does not own overall credit strategy or portfolio level risk decisions, it plays a critical role in enabling those outcomes by ensuring that policy, guidelines, and decision frameworks are accurate, usable, and consistently applied.
In this capacity, the role functions as the operational backbone of credit risk governance while also providing informed, experience-based input to support effective risk oversight.
Core Responsibilities
Credit Policy and Guideline Management
  • Own drafting, updating, and maintenance of underwriting guidelines and credit policy
  • Translate investor guidelines and overlays into clear, actionable internal standards
  • Ensure alignment between internal policy, investor requirements, and operational practices
  • Maintain documentation of policy interpretations and decisions for consistency and auditability

Underwriting Governance and Authority Framework
  • Maintain and enhance underwriting authority structures, including approval tiers and escalation paths
  • Support testing and validation of underwriting authority frameworks
  • Ensure consistent application of authority levels across underwriting teams
  • Identify gaps or inconsistencies in decisioning and recommend corrective actions

Credit Decision Support (Primary Point of Contact)
  • Serve as the first point of contact for guideline questions and credit policy clarifications
  • Provide clear and consistent interpretations of underwriting standards
  • Evaluate edge cases and provide structured, well-reasoned decisions
  • Escalate only material or novel scenarios as appropriate

Tools and Decision Infrastructure
  • Develop and maintain:
    • Guideline grids
    • Investor overlay matrices
    • Decision trees and reference materials
  • Improve usability and accessibility of credit guidance across underwriting and operations
  • Reduce reliance on ad hoc decision making through structured tools and documentation

Credit Performance Feedback Loop
  • Review defaulted loans and perform root cause analysis
  • Identify trends and potential gaps in underwriting, policy, or guideline clarity
  • Provide recommendations for policy or process improvements based on findings
  • Support continuous improvement of credit standards through data driven insights

Risk Documentation and Control Support
  • Maintain credit risk policies and procedures in alignment with approved practices
  • Ensure documentation supports audit readiness and control requirements
  • Support internal and external audits by providing evidence of policy application and governance practices
  • Track and document changes to guidelines and policy over time

Decision Authority
  • Final authority on routine guideline interpretations and credit policy clarifications
  • Approval authority for standard policy and procedure updates within defined parameters
  • First pass review and assessment of defaulted loans for purposes of policy feedback and improvement
  • Escalation of material, high risk, or novel scenarios to VP of Risk

Operating Model
  • Operates as a senior individual contributor with functional ownership of credit policy and governance
  • No direct people management responsibilities
  • Expected to influence underwriting, operations, and cross functional stakeholders
  • Acts as the primary gatekeeper for credit policy interpretation and application

Qualifications
  • 8 to 12+ years of experience in credit risk, underwriting, or credit policy within a lending or financial services environment
  • Experience working with multiple investor guidelines and overlays
  • Demonstrated ability to write, interpret, and operationalize credit policy
  • Strong credit judgment with ability to make decisions under ambiguity
  • Ability to translate complex or unclear guidelines into clear, actionable rules
  • Consistent and disciplined decision making across varying scenarios
  • Strong written communication skills with ability to document policy and rationale clearly
  • Practical, execution focused mindset with attention to operational detail
  • Experience building or improving underwriting governance frameworks
  • Manufactured housing, specialty finance, or partner-based lending experience strongly preferred

Important Applicant Information
  • While many of our interviews are conducted virtually, all applicants should be prepared to potentially meet in person as part of the process.
  • As a participating employer, we will use E-Verify to confirm employment eligibility.
  • Please note that we are currently only hiring candidates who reside in the following states: Arizona, Connecticut, Florida, Georgia, Illinois, Indiana, Louisiana, Maryland, Michigan, Missouri, Montana, Nebraska, Nevada, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, and Wisconsin. Applicants that do not reside in the bolded states will be rejected.

Total Rewards
At Zippy, we're passionate about creating a workplace where people love to work. We put a lot of heart into building and nurturing a company culture that not only supports our team but also inspires them to do their best work.
Our benefits and perks are always evolving, but here's what we offer right now:
  • Competitive Compensation: We offer a competitive salary with the potential for annual bonuses and variable pay, depending on your skills and experience.
  • Equity for All: As a part of our commitment to shared success, all employees receive equity in the company, allowing you to share in the growth and achievements of Zippy.
  • Remote Work: Enjoy the flexibility of working from home in a dynamic, remote-first environment.
  • Comprehensive Health Coverage: We provide medical, dental, and vision insurance, along with company-subsidized benefits like STD, LTD, and life insurance for you and your family.
  • Flexible Spending Accounts: Take advantage of medical & dependent care FSAs to help manage your expenses.
  • Training & Licensing Support: We invest in your professional growth with resources for training and licensing.
  • Paid Time Off: We offer generous PTO-and we encourage you to use it!
  • Wellbeing Programs: Access a variety of wellbeing resources, including Headspace, Gympass+, Fetch, Spring Health, SoFi, Perkspot, Ladder, and more through our Sequoia Wellbeing Programs.
  • Parental Leave: We provide paid parental leave to support you and your growing family.
  • No Meeting Wednesdays: Enjoy a mid-week break from meetings to focus and recharge.
  • Vibrant Slack Community: Engage with colleagues in our lively remote Slack community, featuring fun channels that connect people around shared interests like travel, pets, sports, food, and more.
  • Career Growth: We believe in promoting from within, offering you opportunities to grow your career with us.

Beyond the tangible benefits:
  • Core Values: At the heart of everything we do are our core values: Lead with Passion, Own It, Build a Better Way, Results Driven, and The Golden Rule. These values guide our decisions, shape our culture, and inspire us to achieve our best every day.
  • Join a Growing Team: Be part of a dynamic team at a pivotal moment in Zippy's growth, where every contribution makes a significant impact.
  • Innovative Work: Collaborate with sharp, passionate teammates to tackle unique challenges in the Manufactured Housing market, positioning our product as a top-tier lending solution.
  • Supportive Culture: You'll be welcomed into a collaborative environment that fosters camaraderie, respect, and a deep sense of belonging.
  • Diversity & Inclusion: We're committed to empowering a diverse and inclusive workforce, celebrating our differences, and ensuring everyone feels safe to bring their whole selves to work.
  • Inspirational Leadership: Work alongside leaders who are not only approachable but also dedicated to providing guidance, mentorship, and support to help you succeed.
  • Meaningful Impact: Be part of a mission-driven team that's making housing more affordable for everyone, helping prospective buyers secure fast and simple online loans to purchase manufactured homes. By joining Zippy you will help improve the lives of over 22 million Americans who live in manufactured homes today.

Zippy is an equal opportunity employer that is committed to diversity and inclusion. We do not discriminate based on race, color, national origin, religion, gender, gender expression, sexual orientation, age, veteran status, disability status, or marital status. If you are excited about the role but do not meet 100% of the qualifications listed above, we encourage you to apply. Nothing in this job posting should be construed as an offer or guarantee of employment.

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