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Transaction Risk Underwriter Jobs (NOW HIRING)

Builders Capital Exchange

Underwriter

This role is critical to evaluating risk, protecting capital, and ensuring the successful ... You will work closely with Loan Officers, Transaction Coordinators, and senior leadership to ...

NEWMARK

Sr. Commercial Underwriter

Houston, TX · On-site

Newmark is seeking a Senior Commercial Underwriter who will be responsible for underwriting complex commercial real estate transactions, assessing and mitigating title risk, and supporting successful ...

NEWMARK

Sr. Commercial Underwriter

Houston, TX · On-site

Newmark is seeking a Senior Commercial Underwriter who will be responsible for underwriting complex commercial real estate transactions, assessing and mitigating title risk, and supporting successful ...

Citigroup, Inc.

Underwriter

New York, NY · On-site

$180K - $180K/yr

... transactions within the standard turnaround timeframes. Ensure the framework of credit risk ... respect to underwriting. Conduct due diligence assessment, including risk ratings and borrower ...

Arcadia

Risk Analyst

San Jose, CA · On-site

This person will work closely with leadership on onboarding, underwriting, transaction monitoring ... Risk analytics and reporting tied to approval rates, utilization, losses, and fraud trends

Arcadia

Risk Analyst

Sunnyvale, CA · On-site

This person will work closely with leadership on onboarding, underwriting, transaction monitoring ... Risk analytics and reporting tied to approval rates, utilization, losses, and fraud trends

Arcadia

Risk Analyst

Sonoma, CA · On-site

This person will work closely with leadership on onboarding, underwriting, transaction monitoring ... Risk analytics and reporting tied to approval rates, utilization, losses, and fraud trends

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How much do transaction risk underwriter jobs pay per year?

As of Jun 6, 2026, the average yearly pay for transaction risk underwriter in the United States is $109,999.00, according to ZipRecruiter salary data. Most workers in this role earn between $103,500.00 and $115,000.00 per year, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a Transaction Risk Underwriter, and why are they important?

To thrive as a Transaction Risk Underwriter, you need strong analytical abilities, financial acumen, and knowledge of risk assessment, often supported by a degree in finance, business, or a related field. Familiarity with risk modeling software, fraud detection systems, and underwriting platforms is typically required, along with relevant certifications such as CPCU or ARM. Attention to detail, sound judgment, and effective communication are crucial soft skills for evaluating complex transactions and collaborating with stakeholders. These competencies are vital for accurately assessing risk, minimizing financial losses, and ensuring secure and compliant business operations.

What are Transaction Risk Underwriters?

Transaction Risk Underwriters are professionals who assess, evaluate, and manage the risks associated with complex financial transactions, such as mergers and acquisitions, or warranty and indemnity insurance. Their primary role is to analyze potential exposures that could arise from a transaction and determine the appropriate terms, pricing, and coverage for risk transfer solutions. They work closely with legal, financial, and insurance professionals to ensure that clients are protected against unforeseen liabilities. This role requires strong analytical skills, attention to detail, and a deep understanding of both insurance products and the specifics of business transactions.

What is the difference between Transaction Risk Underwriter vs Credit Analyst?

AspectTransaction Risk UnderwriterCredit Analyst
CredentialsTypically requires underwriting certifications or finance degreesOften requires finance, accounting, or economics degrees
Work EnvironmentFinancial institutions, banks, or lending companiesBanks, credit agencies, or financial firms
Primary FocusAssessing transaction risks for loan approvalsAnalyzing creditworthiness of individuals or companies
Common UsageUsed in loan underwriting and risk assessmentUsed in credit evaluation and risk management

While both roles involve financial analysis, Transaction Risk Underwriters focus on evaluating risks associated with specific transactions, such as loans or credit applications, often requiring underwriting certifications. Credit Analysts primarily assess overall creditworthiness of clients or companies, working across various financial products. Both roles are vital in the lending industry but differ in scope and specific responsibilities.

How does a Transaction Risk Underwriter typically collaborate with other departments to assess and mitigate risk?

Transaction Risk Underwriters frequently work cross-functionally with teams such as compliance, fraud prevention, legal, and operations. They collaborate to gather relevant data, share insights on emerging risks, and develop strategies to minimize potential losses. This teamwork ensures a comprehensive evaluation of transactions and helps implement effective risk mitigation measures. Regular meetings and clear communication are essential to keep everyone aligned and responsive to new threats.
Infographic showing various Transaction Risk Underwriter job openings in the United States as of May 2026, with employment types broken down into 83% Full Time, and 17% Contract. Highlights an 66% In-person, 17% Hybrid, and 17% Remote job distribution, with an average salary of $109,999 per year, or $52.9 per hour.

Experienced MCA Underwriter

High Rise Capital

New York, NY • On-site

Full-time

Posted 10 days ago

Job description

High Rise Capital is seeking a highly experienced Merchant Cash Advance Underwriter to join our in-house underwriting team in New York.
This is a senior-level position for a disciplined credit professional who understands risk, can structure complex files, and is comfortable underwriting both clean and high-risk transactions at meaningful volume.
We are a direct lender. Our underwriting team makes real decisions that directly impact portfolio performance and capital deployment.
The ideal candidate has substantial experience underwriting MCA transactions across all risk tiers from 30 days to 15 month paper and is comfortable reviewing and structuring six- and seven-figure files. This role requires strong analytical ability, sound credit judgment, and the capacity to manage a demanding workflow in a fast-paced environment.
Requirements
  • Minimum 2+ years of direct MCA underwriting experience
  • Proven track record underwriting:
    • Clean paper
    • High-risk and stacked files

  • Experience handling large exposure files (six and seven figures)
  • Strong working knowledge of:
    • Bank statement analysis
    • Negative days / NSFs
    • Deposit consistency & revenue trends
    • Position stacking and payment structures
    • Holdback calculations and debt ratios
    • Collectability

  • Experience running and analyzing:
    • nysef, ct courts
    • Personal credit reports
    • CLEAR reports

  • Ability to independently approve, counter, or decline files with clear rationale
  • Strong documentation and file note discipline
  • Ability to manage high daily volume without sacrificing accuracy

Benefits
What We Value
  • Sound risk assessment and structured decision-making
  • Strategic thinking - not just file review, but deal structuring
  • Efficiency under pressure
  • Clear communication with closers, brokers, and management
  • Accountability for portfolio performance

We are looking for someone who understands that underwriting is not just about minimizing risk - it is about intelligently pricing and structuring it.
Compensation & Opportunity
  • Competitive base salary
  • Performance-based bonus structure
  • Long-term growth opportunity within a high-volume direct lending platform

In-office role only. Remote candidates will not be considered.
Qualified candidates should submit a resume along with a brief summary of underwriting experience and typical file size handled. IF YOU DONT HAVE EXPIRENCE DONT APPLY

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