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Underwriter 4 Jobs (NOW HIRING)

Capital Bank

Credit Underwriter IV

Rockville, MD · Hybrid

$115K - $155K/yr

A minimum of 10+ years' work experience as an Underwriter with a focus on C&I and exposure to CRE Technical Knowledge and Skills * Proficient in Microsoft Office Suite including Word, Excel ...

Capital Bank

Credit Underwriter IV

Rockville, MD · On-site

$115K - $155K/yr

A minimum of 10+ years' work experience as an Underwriter with a focus on C&I and exposure to CRE Technical Knowledge and Skills * Proficient in Microsoft Office Suite including Word, Excel ...

PNC Bank

Underwriter IV- Agency (Affordable)

Dallas, TX · On-site +1

$91K - $202K/yr

As an Underwriter IV - Agency within PNC's Multi-Family Capital organization, you will be based in a preferred PNC location. Other PNC locations may be considered. Intimate knowledge of Fannie Mae ...

PNC Bank

Underwriter IV- Real Estate

Los Angeles, CA · On-site

$100K - $202K/yr

As an Underwriter IV within PNC's Real Estate Banking organization, you will be based in Denver, CO; Los Angeles, CA; or San Diego, CA. PNC is an in-office company that fosters a supportive culture ...

PNC Bank

Underwriter IV- Real Estate

San Diego, CA

$100K - $202K/yr

As an Underwriter IV within PNC's Real Estate Banking organization, you will be based in Denver, CO; Los Angeles, CA; or San Diego, CA. PNC is an in-office company that fosters a supportive culture ...

PNC Bank

Underwriter IV- Affordable (Agency)

Dallas, TX · On-site +1

$91K - $202K/yr

Coaches and/or reviews the work of other underwriters and fills in for manager as required. * Contacts internal/external customers and other parties as appropriate to gather information and to ...

PNC Bank

Underwriter IV- Real Estate

Denver, CO

$100K - $202K/yr

As an Underwriter IV within PNC's Real Estate Banking organization, you will be based in Denver, CO; Los Angeles, CA; or San Diego, CA. PNC is an in-office company that fosters a supportive culture ...

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All JobsUnderwriter 4 Jobs

Underwriter 4 information

See salary details

$32.5K

$78.9K

$139.5K

How much do underwriter 4 jobs pay per year?

As of Aug 12, 2026, the average yearly pay for underwriter 4 in the United States is $78,878.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $87,000.00 per year, depending on experience, location, and employer.

What is the career progression for an Underwriter 4?

An Underwriter 4 typically advances to senior underwriting roles, such as Senior Underwriter or Underwriting Manager, by gaining experience, developing specialized expertise, and demonstrating leadership skills. Progression may also involve moving into risk management, underwriting strategy, or supervisory positions within the insurance or financial services industry.

What are the key skills and qualifications needed to thrive as an Underwriter 4?

To thrive as an Underwriter 4, you need advanced expertise in risk assessment, financial analysis, and industry-specific underwriting guidelines, typically supported by a bachelor's degree in finance, business, or a related field. Proficiency with underwriting software, spreadsheet tools like Excel, and knowledge of regulatory compliance systems is crucial. Strong analytical thinking, attention to detail, and effective communication skills help an underwriter excel in evaluating complex cases and collaborating with clients or internal teams. These skills ensure accurate risk evaluation, informed decision-making, and compliance with company and regulatory standards.

What is an Underwriter 4?

An Underwriter 4 is a senior-level insurance or loan underwriter responsible for evaluating and analyzing the risks involved in insuring people or assets and making decisions on complex or high-value applications. This position typically involves reviewing applications, assessing risk, setting appropriate premiums or loan terms, and ensuring compliance with company policies and regulations. Underwriter 4s often mentor junior underwriters, handle escalated cases, and may contribute to developing underwriting guidelines or processes. They usually have several years of experience and advanced knowledge of risk assessment. Their expertise helps organizations minimize risk while remaining competitive in the market.

What are some common challenges Underwriter 4s face when evaluating complex loan applications?

Underwriter 4s often encounter challenges such as interpreting nuanced financial statements, assessing unique or non-standard collateral, and staying updated with changing regulations. They are expected to handle large, intricate portfolios and balance risk analysis with business objectives. Collaboration with loan officers, risk managers, and legal teams is essential to ensure thorough and compliant decisions, and strong communication skills are needed to clarify requirements to both internal stakeholders and clients.

What is the difference between Underwriter 4 vs Underwriter 3?

AspectUnderwriter 4Underwriter 3
Required CredentialsTypically requires a bachelor's degree and relevant industry certificationsSame as Underwriter 4, often with additional specialized certifications
Work EnvironmentCorporate office, insurance companies, financial institutionsSimilar, with more complex cases handled
Employer & Industry UsageCommon in large insurance firms and financial servicesUsed interchangeably, with Underwriter 4 handling higher complexity
Job ResponsibilitiesEvaluates and approves insurance applications, manages riskPerforms similar tasks but with increased decision-making authority

Underwriter 4 typically handles more complex cases and has greater decision-making authority compared to Underwriter 3. Both roles require similar credentials and work environments, but Underwriter 4 often manages higher-value policies and risk assessments, reflecting increased experience and expertise.

More about Underwriter 4 jobs
What cities are hiring for Underwriter 4 jobs? Cities with the most Underwriter 4 job openings:
What states have the most Underwriter 4 jobs? States with the most job openings for Underwriter 4 jobs include:
What job categories do people searching Underwriter 4 jobs look for? The top searched job categories for Underwriter 4 jobs are:
Underwriter 4 jobs near you
Infographic showing various Underwriter 4 job openings in the United States as of August 2026, with employment types broken down into 95% Full Time, 2% Part Time, and 3% Contract. Highlights an 70% Physical, 10% Hybrid, and 20% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Credit Products Underwriter IV - Commercial Banking

BOK Financial

Dallas, TX • On-site

Full-time

Re-posted 3 days ago

Job description

Req ID: 77889 

Location: Dallas -DAL, Plano -PLAN 

Areas of Interest: Commercial Banking 

Pay Transparency Salary Range: Not Available 

Application Deadline: 08/24/2026

BOK Financial Corporation Group includes BOKF, NA; BOK Financial Securities, Inc. and BOK Financial Private Wealth, Inc. BOKF, NA operates TransFund and Cavanal Hill Investment Management, Inc. BOKF, NA operates banking divisions: Bank of Albuquerque; Bank of Oklahoma; Bank of Texas and BOK Financial®.

Bonus Type
BOKF Performance Plan (D02)
Summary

Join us as a Credit Product Underwriter IV - Commercial. Our commitment to you is a positive work environment, a deep connection to our communities, and a focus on putting our clients first. As an industry-leading provider of sophisticated financial solutions, we believe no challenge is too big, and no opportunity is too small, when we work together to build relationships.

Job Description

The Credit Products Underwriter IV - Commercial is primarily responsible for managing and developing a team of underwriters focused on underwriting the complex financial transactions, including the financing of multiple business endeavors such as: investment real estate, owner-occupied real estate, working capital, equipment, LBOs/acquisitions, healthcare-related opportunities, as well as credits augmented with an SBA guarantee. In addition, the CPU IV is responsible for providing product and industry expertise to the client by designing and executing solutions for the most complex and specialized clients and transactions.   Industries and Product offered are broad and require unique due diligence and analysis based on the type of business and structure. A high volume (50% +) of the Credit Requests are from prospects and require additional level of due diligence and analysis.  The CPU IV will typically support a specific market / markets of 10+ RMs and RM Managers. The CPU IV will have client-facing responsibilities, providing the necessary consultation to deliver the best possible integrated solution to the client.  Superb communication skills (written and verbal) must be present to effectively communicate with RM Management, various Relationship Managers, Credit Team and other BOKF personnel. The majority of the CPU IV’s time will be balanced between managing and developing Underwriters; decisioning loans within their assigned loan authority; managing Work In Process; providing analysis of clients, design and execution of deals, and joint client calls with RMs to provide expert counsel and advice.  The CPU IV will partner with the RMs and RM Managers to assist in generating revenue and profitability.

Team Culture

We are a collaborative, conscientious, and goal-oriented team.  We value initiative, and we care about the quality of our work. Managers across the line of business are readily available and accessible for any needs you may have.  You are responsible for driving the process, and our leaders are there to support you. Mentorship within the team is a common practice that will provide growth opportunities.

How You'll Spend Your Time
  • The majority of your time will be spent managing and developing a team of underwriters conducting the complex credit analysis to finance multiple business endeavors including; investment real estate, owner-occupied real estate, working capital, equipment, LBOs/acquisitions, healthcare-related opportunities, as well as credits augmented with an SBA guarantee.
  • Your day will consist of credit conversations, decisioning loans within authority, managing workflow, and communication with Relationship Managers.
  • You will work efficiently to decision loan request while mitigating risk.
  • You will prepare very complex commitment reports for critical client accounts in the multi-state markets supported by the lending center.
  • You will have client-facing responsibilities, providing consultation to deliver the best possible integrated solution to the client.
  • You will interact with the Credit Risk Managers, Credit Concurrence Officers, and Line of Business Leadership to lead loan presentations and provide additional information to support conclusions.
Education & Experience Requirements

This level of knowledge is normally acquired through completion of a Bachelor’s degree and 15+ years of credit analysis/credit products underwriter and/or “business line” experience; or 20+ years of equivalent work-related experience.

Working Conditions & Physical Requirements
Office - Occasional Travel

BOK Financial Corporation Group is a stable and financially strong organization that provides excellent training and development to support building the long term careers of employees. With passion, skill and partnership you can make an impact on the success of the bank, customers and your own career!  
Apply today and take the first step towards your next career opportunity!
 
The companies in BOK Financial Corporation Group are equal opportunity employers.  We are committed to providing equal employment opportunities for training, compensation, transfer, promotion and other aspects of employment for all qualified applicants and employees without regard to sex, race, color, religion, national origin, age, disability, pregnancy status, sexual orientation, genetic information or veteran status.

Please contact recruiting_coordinators@bokf.com with any questions. 

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