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Remote Credit Risk Underwriter Jobs in Boca Raton, FL

AD Mortgage

VA Senior Underwriter

Fort Lauderdale, FL · On-site +1

$93K - $111K/yr

The ideal candidate brings strong expertise in VA loans, sound risk assessment skills, and a ... This is a full-time remote opportunity for candidates located outside of the Troy, MI and Ft.

RELX

Director Product Mgmt

Boca Raton, FL · On-site +1

$136K - $252K/yr

... Credit Risk mitigation and Customer Data Management. You can learn more about LexisNexis Risk at ... Candidate can be remote in the continental US or hybrid from one of our US offices.

Preferred Rate

Mortgage Loan Officer

Boca Raton, FL · On-site +1

$250K/yr

... Credit * Knowledge of state and federal regulations, and company underwriting policies and ... We offer both in-office and remote options for loan originators. Loan originators receive full ...

Preferred Rate

Mortgage Loan Assistant

Boca Raton, FL · On-site +1

$50K/yr

... and underwriting such as loan files, loan packages, credit reports, and additional mortgage ... We offer both in-office and remote options for loan originators. Loan originators receive full ...

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Remote Credit Risk Underwriter information

See Boca Raton, FL salary details

$44.1K

$82.8K

$140.9K

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

As of Sep 5, 2026, the average yearly pay for remote credit risk underwriter in Boca Raton, FL is $82,835.00, according to ZipRecruiter salary data. Most workers in this role earn between $66,400.00 and $96,300.00 per year, depending on experience, location, and employer.

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 are the key skills and qualifications needed to thrive as a remote credit risk underwriter?

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 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 popular job titles related to Remote Credit Risk Underwriter jobs in Boca Raton, FL?

For Remote Credit Risk Underwriter jobs in Boca Raton, FL, the most frequently searched job titles are:

What job categories do people searching Remote Credit Risk Underwriter jobs in Boca Raton, FL look for?

The top searched job categories for Remote Credit Risk Underwriter jobs in Boca Raton, FL are:

What cities near Boca Raton, FL are hiring for Remote Credit Risk Underwriter jobs?

Cities near Boca Raton, FL with the most Remote Credit Risk Underwriter job openings:

Remote Credit Risk Underwriter jobs near you

Commercial Underwriter

Gradient Mortgage Capital, LLC

Fort Lauderdale, FL • On-site, Remote

Full-time

Re-posted 7 days ago

Job description

Job Title:
Commercial Underwriter
Location:
Hybrid (Office/Remote) South FL
Department/Group:
Gradient Mortgage Capital LLC/Sales
Travel Required:
None
Job Status:
Exempt
Position Type:
Full-Time, Regular
Work Schedule:
Monday-Friday, 9:00AM - 5:00PM ET
Reports To:
SVP Underwriting/Head of Credit
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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