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Remote Credit Risk Underwriter Jobs in California

Plaza Home Mortgage, Inc.

Non-QM Underwriter

San Diego, CA · Remote

$43.27 - $55.29/hr

The Non-QM Underwriter applies sound credit judgment while ensuring compliance with company ... This position plays a critical role in balancing risk management with service excellence for both ...

LBC Mortgage

Underwriter

Los Angeles, CA · On-site +1

Perform risk analysis and make sound underwriting decisions * Ensure loans meet internal policies ... Ability to analyze complex financial documents and credit profiles * Excellent attention to detail ...

NFM, Inc.

Senior Underwriter

Encinitas, CA · On-site +1

$90K - $130K/yr

The Senior Mortgage Underwriter is responsible for evaluating residential loan applications to ... Analyze borrower income, credit, assets, liabilities, and collateral to determine risk and loan ...

Plaza Home Mortgage, Inc.

Sr. Underwriter

San Diego, CA · Remote

$40.86 - $50.48/hr

... is remote. This position has no supervisory responsibilities, and reports to the Underwriting Team Manager. Responsibilities and Duties * Perform mortgage credit analysis, with or without the ...

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Remote Credit Risk Underwriter information

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.

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.
What are the most commonly searched types of Credit Risk Underwriter jobs in California? The most popular types of Credit Risk Underwriter jobs in California are:
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Remote Credit Risk Underwriter jobs near you
Lending Product & Credit Policy Analyst

Lending Product & Credit Policy Analyst

Mission Loans, LLC

Irvine, CA • On-site, Remote

$31.25 - $33.65/hr

Full-time

Posted 7 days ago

Job description

Our customer-centric team is changing the home lending game with fierce loyalty and a dedication to delivering an extraordinary home loan experience. We empower our team members by engaging and immersing them in a fun, positive, and energetic atmosphere that places emphasis on the customer experience above all else. If you love coming to work every day and winning, hold yourself to high goals and standards, subscribe to a no drama workplace and live to serve your customers as much as each other...we want you on our team.
Mission Loans is seeking experienced mortgage professionals who thrive in a fast-paced environment without losing focus on quality of work and delivering an exceptional customer experience. As the Lending Product & Credit Policy Analyst, your primary mission is to manage and develop product lending guidelines and research potential product offerings that meet the needs of both the company and its customers.
PRIMARY DUTIES & RESPONSIBILITIES:
  • Manage and develop product lending guidelines and matrices by designing, testing, and updating lending criteria (e.g. LTV, credit score thresholds, and DTI limits)
  • Organize launch of new lending products while maintaining investor or secondary market guidelines.
  • Provide product assessments and comparisons
  • Coordinate and manage new product rollout
  • Maintain investor guidelines and coordinate announcements of changes to the floor
  • Poll investors for guideline clarification
  • Review "Ask the UW" questions for first level response
  • Review exception queue for first level response
  • Acting as the bridge between sales, underwriting, compliance, and secondary markets to roll out program changes seamlessly.

SKILLS & ABILITIES:
  • Subscribe to a no drama workplace
  • Subscribe to the mission of creating a truly customer and team member centric environment
  • Love to come into work every day and win
  • Highly motivated, self-starter with ability to work independently under minimal supervision, and as a team player
  • Clear, effective interpersonal skills, written and verbal communication skills
  • Ability to work in a fast-paced, multi-tasking environment and manage to multiple deadlines
  • Strong analytical, problem solving and creative thinking skills
  • Ability to learn and adapt to guideline changes
  • Strong organization, follow through and time management skills
  • Excellent attention to detail with commitment to accuracy and quality
  • Dependable, responsible and able to use good judgement
  • Strong phone skills, easily building rapport and connection with customers

QUALIFICATIONS & EXPERIENCE
  • High School Diploma or GED required; Bachelor's degree preferred
  • This is a remote position; you MUST reside in the United States
  • 2-3 years' experience in mortgage lending product development, credit risk, policy analysis or secondary marketing
  • Underwriting experience a plus
  • Must have deep understanding of the mortgage industry, including market trends and regulatory requirements
  • Thorough understanding of agency & investor underwriting guidelines, policies and procedures
  • Proven ability to manage project timelines
  • Experience working with cross-functional teams
  • Basic math skills: ability to add, subtract, multiply, and divide in all units of measure
  • Strong proficiency in Microsoft Excel (data modeling/exception tracking)
  • Familiarity with Loan Origination Systems (LOS) and policy management platforms.

Other Duties: This position profile is not intended to be an all-inclusive list of job duties and responsibilities, as one may be asked to perform additional related duties, as assigned, in order to meet the needs of the organization.
This is not a contract of employment. Everyone is responsible for reading and complying with all duties, requirements, and responsibilities contained herein, and any subsequent revisions.
Mission Loans, LLC is an Equal Opportunity Employer; we prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, and local laws.

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