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Trade Credit Underwriter Jobs (NOW HIRING)

Genesis Capital

Credit Underwriter

Los Angeles, CA · On-site

$90K - $130K/yr

The Company is a subsidiary of Rithm Capital (parent company), a publicly traded mortgage real estate investment trust. Credit Underwriter: Analyze clients' financial information to evaluate their ...

CRE Finance Council

SVP Credit Underwriter

Miami, FL · On-site

$100 - $125/hr

Underwrite complex commercial loan requests, primarily C&I and Commercial Real Estate (CRE ... Conduct UCC searches, credit reports, bank/trade reference verification, and industry research.

New

Local Community Bank

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Banking Credit Underwriter - Commercial/Mortgage

Shreveport, LA · On-site

... credit and lending skills. Underwrite FHA, VA, RD and Conventional mortgage loans. Under general ... Research prospective bank customers using internet, banking and trade references * Underwrite1-4 ...

Talent Cloud Staffing

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Senior C&I Underwriter, Commercial Credit

Miami, FL · Remote

$150K - $160K/yr

... traded regional bank is continuing to expand its Commercial Banking platform and is seeking ... Independently underwrite and structure new and existing middle-market and corporate C&I credit ...

Allianz

Senior Credit Underwriter

Baltimore, MD · On-site

$105K - $115K/yr

Job Purpose: Ensures most effective credit limit service in terms of quality of decision ... In depth knowledge and experience in Allianz Trade Underwriting; demonstrated commercial awareness

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Trade Credit Underwriter information

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$46.5K

$87.3K

$148.5K

How much do trade credit underwriter jobs pay per year?

As of Sep 7, 2026, the average yearly pay for trade credit underwriter in the United States is $87,290.00, according to ZipRecruiter salary data. Most workers in this role earn between $70,000.00 and $101,500.00 per year, depending on experience, location, and employer.

What is a trade credit underwriter?

Trade credit underwriters are professionals who assess the creditworthiness of businesses seeking trade credit insurance. They analyze financial statements, payment histories, and industry risks to determine whether to extend coverage and on what terms. Their evaluations help insurance companies manage risk and protect clients from losses due to non-payment by buyers. Trade credit underwriters play a crucial role in facilitating safe commercial transactions and supporting business growth.

What are the key skills and qualifications needed to thrive as a trade credit underwriter?

To thrive as a Trade Credit Underwriter, you need strong analytical abilities, financial assessment skills, and a background in finance, economics, or a related field—often supported by a relevant bachelor’s degree. Familiarity with credit risk management systems, financial modeling tools, and industry-specific software such as Moody’s Analytics or S&P Global is typically required. Attention to detail, sound judgment, and effective communication are crucial soft skills for evaluating client risk and collaborating with stakeholders. These competencies ensure accurate risk assessment, effective portfolio management, and informed decision-making that protect the organization from financial loss.

What are some common challenges faced by trade credit underwriters when assessing new clients?

Trade Credit Underwriters often encounter challenges such as evaluating the creditworthiness of businesses in industries with limited financial transparency or volatile market conditions. They must balance the need for thorough risk assessment with tight turnaround times, especially when clients expect quick decisions to secure business deals. Additionally, staying updated on global economic factors and political developments that could impact clients' ability to pay is crucial. Collaborating closely with sales teams and risk analysts is also essential to ensure both business growth and sound risk management.

What is the difference between Trade Credit Underwriter vs Credit Analyst?

AspectTrade Credit UnderwriterCredit Analyst
Primary RoleAssess and approve credit risk for trade credit transactionsAnalyze credit data to evaluate financial risk of borrowers
Work EnvironmentInsurance companies, banks, trade finance firmsBanks, financial institutions, corporations
Required CredentialsFinance, economics degrees; certifications like CPCU or ARMFinance, accounting degrees; certifications like CFA or CPA

Trade Credit Underwriters focus on evaluating risks related to trade credit transactions, often within trade finance or insurance sectors. Credit Analysts analyze broader credit data for various lending purposes. While both roles require financial analysis skills and similar credentials, their specific focus and work environments differ, making each role unique in the financial industry.

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What cities are hiring for Trade Credit Underwriter jobs?

Cities with the most Trade Credit Underwriter job openings:

What states have the most Trade Credit Underwriter jobs?

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Trade Credit Underwriter jobs near you
Infographic showing various Trade Credit Underwriter job openings in the United States as of August 2026, with employment types broken down into 1% Internship, 83% Full Time, and 16% Part Time. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $87,290 per year, or $42 per hour.

Credit Underwriter (Commercial Real Estate)

Genesis Capital

Los Angeles, CA • On-site

$80K - $130K/yr

Full-time

Re-posted 13 hours ago

Job description

Genesis Capital (the "Company") is one of the largest business purpose lenders in the country, focused on providing commercial real estate financing solutions to real estate developers who buy, renovate, and sell single-family and/or multi-family residential real estate. The Company is a subsidiary of Rithm Capital (parent company), a publicly traded mortgage real estate investment trust.

The Credit Underwriter is responsible for evaluating new lending opportunities and performing comprehensive analysis to determine the creditworthiness of the borrower. The Credit Underwriter will evaluate the underlying project (collateral) as well as perform a financial analysis of the borrower and guarantor(s). The Credit Underwriter is responsible for managing multiple underwriting projects/tasks simultaneously, including direct borrower interaction, preparation of credit memorandums, and market analysis. The Credit Underwriter's job is to ensure Genesis Capital maintains strong credit quality in line with its policies and procedures.

Principal Duties:

ESSENTIAL FUNCTIONS include the following. Other duties may be assigned.

  • The Credit Underwriter's key responsibility is to assess risk in the borrower's business strategy/experience and their real estate projects/investments.
  • Prepare credit memorandums outlining the lending opportunity, key risks, mitigating factors, project/borrower/guarantor analysis, and credit advocacy.
    • Perform credit analysis evaluating the applicant's credit worthiness, financial strength, and loan repayment likelihood/capacity.
    • Conduct market analyses and review real estate appraisals.
    • Works with Loan Officers and Relationship Managers to obtain all required due diligence items.
    • Work with all Genesis departments including sales, loan operations, valuations, accounting, construction, and other support staff.
  • Present credit memorandums to Credit Management for review and approval.
  • Analyzes legal documentation such as corporate entity documents to understand borrower structure and works with Compliance for AML/KYC. Loan documents may also need to be reviewed.
Education and Experience

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

  • Must have bachelor's degree.
  • Minimum 3+ years in Commercial Real Estate banking or private real estate lending, in the form of underwriting, credit analysis or related experience.
  • Experience in construction lending is a plus.
  • Knowledge of complex real estate lending and loan structuring.
  • Industry knowledge of credit and financial analysis fundamentals, including cash flow analysis, balance sheet analysis, tax returns, profitability, liquidity, solvency analysis and real estate valuation.
  • Financial modeling techniques and preparation of pro-forma financial statements and NOI/DSCR analysis.
  • Knowledge of credit underwriting policies, procedures, processes, collateral valuation, and documentation.
  • Highly Proficient/Advanced in Excel, Word, PowerPoint, and database applications for pipeline management.
Knowledge, Skills, and Abilities
  • Rely on strong underwriting experience and judgment to make decisions, read and interpret data from a micro and macro perspective.
  • Ability to consolidate information from many sources to identify risks, conduct analysis and articulate a concise recommendation Ability to identify potential credit issues and appropriately escalate to management.
  • Ability to manage multiple tasks concurrently and prioritize workload to meet deadlines
  • Ability to identify potential credit issues and appropriately escalate to management.
  • Adapts to change in priorities and/or processes easily in a fast-paced work environment.
  • Excellent interpersonal, negotiation, presentation, oral, and written communication skills.

While this description is intended to be an accurate reflection of the position's requirements, it in no way implies/states that these are the only job responsibilities. Management reserves the right to modify, add or remove duties and request other duties, as necessary.

By applying to this position candidate acknowledges that this is not a remote role and is required to be on-site.

Compensation Range: $80,000 - $130,000/annual

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