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Remote Credit Risk Underwriter Jobs in Virginia (NOW HIRING)

Atlantic Union Bank

Credit Portfolio Manager IV

Richmond, VA · On-site +1

$64.98 - $108.56/hr

Leads the independent underwriting process for new and renewal opportunities for clients and ... Prepares detailed financial projections within a vendor-provided credit tool, such as Moody's Risk ...

Hamilton

Underwriter, Allied Medical

Richmond, VA · On-site +1

While there is a preference to be based in Richmond, VA, we are open to a remote working location ... Appreciation of both the subjective and objective aspects to underwriting risk and a willingness to ...

Hamilton

Underwriter, Allied Medical

Richmond, VA · On-site +1

While there is a preference to be based in Richmond, VA, we are open to a remote working location ... Appreciation of both the subjective and objective aspects to underwriting risk and a willingness to ...

Guidehouse

Loan Review Managing Consultant

Mclean, VA · On-site +1

$113K - $188K/yr

S. Small Business Administration (SBA) Office of Credit Risk Management (OCRM) by performing ... Reviewers may support onsite or remote reviews, participate in quality assurance activities, and ...

Guidehouse

Loan Review Senior Consultant

Mclean, VA · On-site +1

$98K - $163K/yr

S. Small Business Administration (SBA) Office of Credit Risk Management (OCRM) by performing ... Reviewers may support onsite or remote reviews, participate in quality assurance activities, and ...

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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 Virginia? The most popular types of Credit Risk Underwriter jobs in Virginia are:
What are popular job titles related to Remote Credit Risk Underwriter jobs in Virginia? For Remote Credit Risk Underwriter jobs in Virginia, the most frequently searched job titles are:
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What cities in Virginia are hiring for Remote Credit Risk Underwriter jobs? Cities in Virginia with the most Remote Credit Risk Underwriter job openings:
Remote Credit Risk Underwriter jobs near you
Credit Portfolio Manager IV

Credit Portfolio Manager IV

Atlantic Union Bank

Richmond, VA • On-site, Remote

$64.98 - $108.56/hr

Full-time

This job post has expired today. Applications are no longer accepted.

Atlantic Union Bank rating

7.2

Company rating: 7.2 out of 10

Based on 5 frontline employees who took The Breakroom Quiz

100th of 146 rated banks

Job description

Responsible for providing an independent perspective in underwriting and managing complex Wholesale Banking loans and relationships up to the bank's legal lending limit. Partners with Relationship Managers, Credit Officers, Credit Portfolio Managers, and the Credit Portfolio Management Team Leader in delivering credit solutions through: underwriting, portfolio management, deal team management, and extensive internal and external client interaction. Credit Portfolio Manager IV is expected to be a subject matter expert (SME) in the respective portfolio and shall adhere to all regulatory and compliance guidelines.
Position Accountabilities
  • Participates or leads client calls with Relationship Manager for in-depth financial questions, deal information, collection of financial statements, and other portfolio management requirements
  • Leads the independent underwriting process for new and renewal opportunities for clients and prospects within an assigned portfolio. The position will be assigned to some of the more complex credits and larger portfolios within the Wholesale Bank.
  • Provides in-depth, independent and objective analysis of financial statements, management competencies, industry impact, competitive dynamics, collateral, and guarantor support for new/renewal opportunities and other credit risk management deliverables.
  • Prepares detailed financial projections within a vendor-provided credit tool, such as Moody's Risk Analyst, or within an Excel template.
  • Makes recommendations to Relationship Managers and Credit Approvers regarding credit amount, structure, and policy compliance.
  • Manages assigned portfolio by proactively monitoring performance and trends, ensuring risk rating integrity, ensuring timely compliance with all covenants, identifies issues and suggests remediation solutions, and assists with compliance and regulatory reviews. Assigned portfolio consistently maintains an exception rating at or near the Bank defined benchmark.
  • Effectively prioritizes new deal, renewal and portfolio management requirements as well as coordinates any necessary items/requests, as appropriate, with clients and prospects and internal Bank partners.
  • Exhibits willingness to lead additional special projects, to aid with the continuous improvement of portfolio management, as delegated by the team lead.
  • Adheres to all applicable laws and regulations governing bank operations, including compliance with Atlantic Union Bankshares' BSA/AML Policy and Procedures.

Organizational Relationship
This position reports to the Team Leader - Credit Portfolio Management.
Position Qualifications
Education & Experience
  • Bachelor's degree in Accounting or Finance and seven or more years of experience in a commercial lending environment

Knowledge & Skills
  • The position will necessitate limited supervision and/or guidance from the Team Lead.
  • Demonstrate the highest level of credit aptitude, analytical skills, and industry knowledge across respective line of business and deal types.
  • Experienced across business industries including but not limited to, commercial & industrial operating companies, residential real estate developers and builders, service provider, retail operations, commercial real estate developers and investors, religious organizations and government. If supporting the commercial real estate line of business, requisite skills would also include construction loan underwriting and administration (construction budgets, sources/uses, construction draw administration, property entitlement, lease analysis and property valuation principles).
  • Actively participates in complex decisions and exhibits sound business judgments regarding business and lending activities
  • Considered a SME for aligned industry, commercial credit and lending concepts, practices and regulations.
  • Skilled in the analysis of financial statements, tax returns and cash flows of commercial & industrial companies, or commercial & residential real estate companies (as applicable).
  • Abreast of current conditions, events of significance and emerging trends within respective LOB/sector.
  • Excellent written, oral and interpersonal skills, to include selling, structuring, negotiating, closing, maintenance, modifications and problem resolution.
  • PC proficiency with Word and Excel, including the use of Bank
  • Strong organization skills with the ability to self-manage time, work flow and multiple project to meet deadlines.
  • Exhibits willingness to proactively seek learning opportunities to continually improve performance and knowledge base.
  • Ability to work independently as well as within a team environment.
  • Capability to function as back-up for Team Lead, as needed.
  • Proven peer mentor with the ability to partner with and train junior CPM teammates in underwriting skills and vital portfolio management tasks.
  • Possesses the ability to improve job function by identifying deficiencies in processes/procedures related to job function and is able to recommend ways to improve.

Salary offered will be based on several factors including but not limited to education, work experience, certifications, etc. This position is also eligible to participate in either an applicable incentive compensation plan for the position or a discretionary profit sharing bonus program. General information on our comprehensive benefits package can be found by visiting https://www.atlanticunionbank.com/about/careers/benefits.
We are proud to be an Equal Employment Opportunity employer. We maintain a drug-free workplace.
Equal Opportunity Employer
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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