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Remote Credit Risk Underwriter Jobs in Plano, TX

McKesson

Senior Credit Analyst

Irving, TX · Remote

Role Summary Own end-to-end underwriting for a complex portfolio, independently evaluating credit risk, structuring limits and terms, and delivering well-supported decisions aligned to risk appetite ...

McKesson

Senior Credit Analyst

Irving, TX · Remote

Role Summary Own end-to-end underwriting for a complex portfolio, independently evaluating credit risk, structuring limits and terms, and delivering well-supported decisions aligned to risk appetite ...

PNC

Underwriter IV- Affordable (Agency)

Dallas, TX · On-site +1

$112K/yr

This position may be eligible for remote work in select geographic locations, subject to approval ... If relevant, performs ongoing credit risk management for assigned portfolio. Coaches and/or reviews ...

PNC Bank

Underwriter IV- Affordable (Agency)

Dallas, TX · On-site +1

$112K/yr

This position may be eligible for remote work in select geographic locations, subject to approval ... If relevant, performs ongoing credit risk management for assigned portfolio. Coaches and/or reviews ...

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$83.5K

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

As of Aug 30, 2026, the average yearly pay for remote credit risk underwriter in Plano, TX is $83,544.00, according to ZipRecruiter salary data. Most workers in this role earn between $67,000.00 and $97,100.00 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 the most commonly searched types of Credit Risk Underwriter jobs in Plano, TX?

The most popular types of Credit Risk Underwriter jobs in Plano, TX are:

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For Remote Credit Risk Underwriter jobs in Plano, TX, the most frequently searched job titles are:

What job categories do people searching Remote Credit Risk Underwriter jobs in Plano, TX look for?

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What cities near Plano, TX are hiring for Remote Credit Risk Underwriter jobs?

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Remote Credit Risk Underwriter jobs near you

Senior Director, Credit Risk Management

Richardson, TX • Remote

RealPage, Inc.
Software Development • 5 - 10K employees

6.0

Company rating: 6.0 out of 10

Based on 9 frontline employees who took The Breakroom Quiz

226th of 246 rated software companies

Paid breaks

Respectful managers

Uninterrupted breaks

Learn more about RealPage, Inc.external

$140K - $239K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 5 days ago

Job description

Overview

We are seeking an experienced Senior Director of Credit Risk Management to lead the credit risk function for our payments and fintech platform. This role owns the strategy, policies, and infrastructure that manage counterparty, merchant, and transactional credit exposure across our payment products - including merchant acquiring, lending, and embedded finance offerings. The ideal candidate combines deep quantitative credit risk expertise with hands-on leadership of underwriting, portfolio monitoring, and loss mitigation teams, and partners closely with Product, Data Science, Finance, Compliance, and Operations to balance growth with prudent risk management. 

Responsibilities
  • Own the end-to-end credit risk strategy for the company's payments and fintech portfolio, including merchant/counterparty underwriting, exposure limits, reserve requirements, and loss forecasting.
  • Design, implement, and continuously refine credit risk policies, scorecards, and underwriting models to balance risk appetite with revenue and conversion goals.
  • Build and lead a high-performing team of credit risk managers and analysts; set goals, coach performance, and develop talent.
  • Monitor portfolio performance (delinquency, chargebacks, default rates, loss ratios) and proactively identify emerging risk trends across merchant segments, verticals, and payment products.
  • Partner with Data Science/Analytics to develop and validate credit scoring models, machine-learning underwriting tools, and early-warning indicators.
  • Set and manage credit risk appetite, exposure limits, and reserve/collateral policies in partnership with Finance and Treasury.
  • Lead loss mitigation, collections strategy, and workout processes for delinquent or high-risk accounts.
  • Present credit risk metrics, portfolio health, and key decisions to executive leadership, Risk Committee, and the Board as needed.
  • Ensure credit risk practices comply with applicable regulatory requirements (e.g., card network rules, BSA/AML-adjacent controls, state lending regulations) in partnership with Legal and Compliance.
  • Own credit risk components of due diligence for new products, partnerships, and market expansion, including BNPL, embedded lending, and merchant cash advance offerings.
  • Drive automation and scalability of credit underwriting and monitoring processes to support rapid business growth.
  • Manage relationships with external data providers, bureaus, and risk technology vendors. 
Qualifications 
  • 12+ years of progressive experience in credit risk management, with at least 5-7 years in a senior leadership role; payments, fintech, card issuing/acquiring, or commercial lending background strongly preferred.
  • Bachelor's degree in Finance, Economics, Statistics, or related field required; MBA or advanced quantitative degree a plus. 

KNOWLEDGE/SKILLS/ABILITIES  

  • Proven experience building or scaling a credit risk function, including underwriting frameworks, portfolio monitoring, and loss mitigation at a high-growth or transaction-volume business.
  • Strong quantitative background: experience with credit scoring models, statistical/ML-based underwriting, and portfolio risk analytics.
  • Track record of managing exposure and losses across a merchant or borrower portfolio, including chargeback/dispute risk, fraud-adjacent losses, and counterparty default.
  • Deep understanding of payments ecosystem dynamics (card networks, ACH, merchant acquiring, or lending) and related regulatory frameworks.
  • Demonstrated people leadership: hiring, developing, and managing credit risk or underwriting teams.
  • Excellent executive communication skills, with experience presenting to senior leadership, Risk Committees, or Boards.
  • Experience with SQL, Python, R, or similar tools for risk analytics preferred. 
 SALARY AND BENEFITS RealPage provides a competitive salary package along with a comprehensive benefit plan that includes:
  • Health, dental, and vision insurance.
  • Retirement savings plan with company match.
  • Paid time off and holidays.
  • Professional development opportunities.
  • Performance-based bonus based on position.

#LI-AS2

#LI-REMOTE

 Compensation may vary depending on your location, qualifications including job-related education, training, experience, licensure, and certification, that could result at a level outside of these ranges. Certain roles are eligible for additional rewards, including annual bonus, and sales incentives depending on the terms of the applicable plan and role as well as individual performance. Equal Opportunity Employer: RealPage Company is an equal opportunity employer and committed to creating an inclusive environment for all employees.Pay RangeUSD $140,600.00 - USD $239,400.00 /Yr.Employment Type: OTHER

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