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Remote Credit Risk Underwriter Jobs in Texas (NOW HIRING)

TIB, N.A.

Credit Risk Engagement Leader

Dallas, TX · On-site +1

This is a full-time position that may be located in DFW or fully remote. MAJOR DUTIES ... Expert knowledge of commercial loan underwriting and risk rating systems * Fundamental knowledge of ...

USAA

Credit Risk Analytics Manager I

San Antonio, TX · On-site +1

$103K - $197K/yr

USAA roles may offer remote or hybrid flexibility for active-duty military spouses consistent with applicable policy and business needs. The Opportunity As a Credit Risk Analytics Manager I, you will ...

USAA

Credit Risk Analytics Manager I

Plano, TX · On-site +1

$103K - $197K/yr

USAA roles may offer remote or hybrid flexibility for active-duty military spouses consistent with applicable policy and business needs. The Opportunity As a Credit Risk Analytics Manager I, you will ...

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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.
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Remote Credit Risk Underwriter jobs near you

Senior Credit Risk Specialist (Part-Time)

TIB The Independent BankersBank, N.A.

Farmers Branch, TX • On-site, Remote

Part-time

Posted 4 days ago

Job description

TIB Consulting Solutions has provided sophisticated, independent credit risk services to community banks across the nation for more than 35 years. Our team of credit risk professionals leverages their extensive experience to communicate effective risk management practices, regulatory expectations, and other valuable insights to our Partner Banks each year. With options to work full-time or part-time, members of the TIB Consulting Solutions team enjoy the benefits of entrepreneurial work, designing custom solutions to help clients succeed, with the stability of traditional employment in a banking environment. If this aligns with your values and you want to join a leader in the banking industry, we are hiring for a part-time, remote Senior Credit Risk Specialist that works with financial institution clients to perform loan reviews, due diligence, and other credit risk consulting services. Must be located in one of the following states: CO, GA, ID, IL, KS, MO, NE, NC, OK, TN, TX, or SC.
This is a perfect position for Commercial Credit Executives, former Bank Examiners, or Loan Review Officers who prefer a flexible, work from home, part-time schedule. Work is 95% remote.
TIB requires a comprehensive background investigation, including criminal and credit history.
MAJOR DUTIES/ACCOUNTABILITIES
  • Provides sophisticated credit risk consulting for local and regional loan review clients, including loan review, pre-acquisition due diligence, and loan loss reserve methodology assessment.
  • Daily client service to include commercial loan review and credit risk analysis at borrower and portfolio level.
  • Loan loss reserve analysis.
  • Reporting and Management Information Systems (MIS) assessment.
  • Leads discussions with client Bank executives.
  • Presents conclusions and findings in detailed, concise reports and provides well-defined solution or recommendations for noted risk rating changes and credit management deficiencies.
  • Presents information regarding exceptions to bank policies or consistent deviation from industry standards.
  • Supports renewal of local client engagements by fostering positive relationships with clients through direct calls, advertising, etc. and prepares proposals and contracts for recurring clients.
  • Continually stays abreast of the current credit environment and specific industry concerns and requirements through continued education, research and interaction with peers.

REQUIREMENTS/DESIRED QUALIFICATIONS
Required
  • Bachelor's degree, preferably in Finance or Accounting
  • Expert knowledge of commercial credit concepts and requirements for security attachment, perfection and valuation
  • Expert knowledge of commercial loan underwriting and risk rating systems
  • Fundamental knowledge of loan loss accounting requirements
  • Fundamental knowledge of real property appraisal requirements
  • Ability to manage and prioritize multiple projects and deadlines
  • Excellent PC skills, including Microsoft office products, including Excel
  • Individual should possess good interpersonal skills and be able to work within and foster a team environment
  • Ability to communicate effectively, both verbally and in writing, and across all levels
  • Exceptional individual productivity achievement expected

Preferred
  • 8-10 years of credit management, loan review, or examination experience

The Major Duties/Accountabilities listed above are only a summary of the typical functions of this job, not an exhaustive or comprehensive list of all possible job responsibilities, tasks, and duties. Management may elect to assign other responsibilities, tasks, and duties associated with this position. TIB requires a comprehensive background investigation, including criminal and credit history.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

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