Underwriter

Underwriter Finance Jobs

18 jobs found

DE Underwriter

United Mortgage Corp Melville, NY Hybrid

13d ago

$95k - $135k/yr Full time Banking Compliance Credit

Banking Compliance Credit

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Job Description

Based in Melville, NY with a hybrid work setup, United Mortgage Corp is seeking a DE Underwriter to evaluate residential mortgage loan applications, including government and conventional programs. The role focuses on analyzing income, assets, and third-party reports, following up on loan conditions to ensure compliance and timely closings, and supporting underwriting, processing, and advisory staff as needed.

Responsibilities

Underwrite loan files received daily according to FHA, agency, investor, and credit union policies.
Originate and validate FHA insured loans using HUD's FHA Connection system.
Review and sign off underwriting conditions in line with credit union policy while maintaining turn-times.
Maintain current knowledge of state and federal laws and regulations related to credit union compliance including bank secrecy and anti-money laundering laws.
Keep up to date with FHA and secondary market requirements regarding credit, income, disclosure, and property; hands-on experience with agency-related internet and computer systems as necessary.
Analyze tax returns, credit and appraisal reports, fraud detection, and other income- or property-related documents to ensure compliance with agency, investor, and credit union requirements.
Organize and prioritize daily workload to ensure adherence to policy, procedures, and established turnaround times.
Communicate and interact with vendors, services, agencies, investors, staff, brokers and members.
Maintain current working knowledge of the mortgage industry and credit union standards and trends.
Monitor and resolve quality control issues on relevant files in a timely manner to prevent delays.
Collaborate with management to implement procedures that prioritize work within underwriting and processing as volume dictates.
Work closely with origination and operations staff to ensure compliance with guidelines and policies of the credit union and agencies.

Requirements

3-5 years of experience as an Underwriter with comprehensive mortgage knowledge.
Bachelor’s degree preferred or equivalent work experience.
Experience with FHA/VA/Agency loans.
Direct Endorsement (DE) required.
Strong analytical skills in credit and risk, with solid decision-making ability.
Effective interpersonal skills and technical report writing abilities.
Attention to detail.

Technologies

FHA Connection
HUD Direct Online System

Benefits

Healthcare, dental, and vision insurance
401(k)/Roth retirement plan
Paid time off
Paid holidays

Job Summary

The DE Underwriter primarily reviews and analyzes residential mortgage loan applications, including government and conventional loans. This role involves evaluating third-party reports such as credit reports and appraisals, calculating income, reviewing asset documentation, and following up on outstanding loan conditions to clear files for closing while ensuring compliance with applicable lending regulations.

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Commercial Multiline Underwriter

Joseph Chiarello & Co., Inc. Summit, NJ

14d ago

$75k - $100k/yr Full time Analyst Client Relations Client Service

Analyst Client Relations Client Service

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Job Description

Joseph Chiarello & Co., Inc. has provided insurance solutions for the firearms industry for more than 40 years. This full-time, on-site role in Summit, NJ offers a salary range of USD 75,000 - 100,000 per year and a collaborative environment that centers on strong client service, accurate underwriting, and portfolio profitability. As a Commercial Multiline Underwriter, you will evaluate and underwrite applications, analyze risk factors, prepare quotes, and manage renewals while partnering with agents and clients to maintain underwriting guidelines.

Responsibilities

Evaluating and underwriting insurance applications
Analyzing risk factors
Preparing quotes
Managing policy renewals
Collaborating with agents and clients
Maintaining underwriting guidelines
Supporting the overall profitability of the business portfolio
Providing excellent customer service

Requirements

Strong understanding and proficiency in underwriting, insurance, and handling diverse types of commercial policies
Analytical skills to assess risk, determine coverage, and ensure compliance with underwriting standards
Attention to detail and ability to make sound decisions under pressure
Excellent interpersonal and communication skills
Ability to work on-site and collaborate effectively with the team
Bachelor's degree in Business, Finance, or a related field preferred
Prior experience in commercial multiline underwriting is highly desirable

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Senior Equipment Finance Underwriter

Wells Fargo Chicago, IL Hybrid

19d ago

$100k - $179k/yr Full time Senior Analyst Banking

Senior Analyst Banking

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Job Description

Hybrid remote in Chicago, IL with Wells Fargo’s Commercial Bank offers a clear path to advance in equipment finance underwriting. The Senior Equipment Finance Underwriter role carries a salary range of USD 100,000 to 179,000 per year and supports a hybrid work arrangement. You will lead or participate in underwriting moderately complex equipment loan and lease requests, maintain risk ratings, and partner across internal teams to achieve business objectives.

Benefits

Health benefits
401(k) Plan
Paid time off
Disability benefits
Life insurance, critical illness insurance, and accident insurance
Parental leave
Critical caregiving leave
Discounts and savings
Commuter benefits
Tuition reimbursement
Scholarships for dependent children
Adoption reimbursement

Responsibilities

Lead or participate in researching and underwriting the creditworthiness of moderately complex commercial or business loan and lease requests within the Equipment Finance Underwriting function
Review and research moderately complex requests that require in-depth evaluation
Perform periodic reviews on assigned portfolio credits
Maintain risk ratings and other relevant data in systems of record
Approve loans or leases within delegated credit authority and recommend transactions beyond that authority
Collaborate with Equipment Finance Underwriting peers, colleagues, and middle-level managers to achieve business objectives
Work with internal and external business partners to gather information needed to make informed decisions

Requirements

4+ years of Equipment Finance Underwriting experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

Technologies

Microsoft Office Suite (Excel, Word, PowerPoint)

Job expectations

This position is not eligible for Visa sponsorship
The role offers a hybrid work schedule, with 4 days in the office and 1 day remote
Specific compliance policies may apply regarding outside activities or personal investing; affected employees will be expected to provide information to the Wells Fargo Personal Account Dealing Team and abide by applicable policy requirements if hired. Information will be shared about expectations during the recruitment process
May be considered for a discretionary bonus, Restricted Share Rights or other long-term incentive awards

Pay ranges by location

Minneapolis, MN Pay Range: USD 110,000–179,000 per year (range may not apply to other locations)
Chicago, IL Pay Range: USD 110,000–179,000 per year (range may not apply to other locations)

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Mortgage Underwriter

University of Hawaii FCU Honolulu, HI

20d ago

$65k - $75k/yr Full time Banking Compliance Credit Analysis

Banking Compliance Credit Analysis

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Job Description

University of Hawaii FCU offers an onsite Mortgage Underwriter role in Honolulu, HI with a competitive salary and a robust benefits package designed to support your financial security and professional growth. The position provides opportunities for leadership or backup responsibilities within a collaborative Mortgage Lending team.

Benefits

On-demand pay
Medical Insurance (including Drug and Vision; 100% employee self-coverage with optional family subsidy)
Dental Insurance (100% employee self-coverage; affordable family coverage)
Medical and Dental Plan Premium Waiver Option
401(k) Retirement Plan with Employer Match and Non-Elective Contribution
35+ Paid Days Off per year
Vacation Cash-Out Program
Flexible Spending Accounts for Healthcare and Dependent Care
Basic Life Insurance with AD&D
Long Term Disability Insurance
Voluntary Accident Recovery, Critical Illness and Hospital Insurance
Employee Assistance Program (EAP)
Employee Loan Discount
50% Subsidy for Adult Monthly Bus Pass
Cash Reward for Employee Referrals
Work anniversary rewards and gifts
Internal and External Professional Development Opportunities

Responsibilities

Review, analyze, approve, and underwrite complex consumer mortgage requests in line with company and industry guidelines
Assess financial statements, credit reports, and ratios such as debt-to-income and loan-to-value; verify transactions for accuracy; prepare formal reports; ensure document consistency and compliance; apply fraud-detection techniques and perform compliance reviews
Assist with loan restructures per lending guidelines and act as a technical resource for difficult issues
Provide direction, feedback, and training to junior underwriters and processors; mentor staff on credit decisioning and department procedures; deliver technical training for consistency
Assist with processing and closing residential mortgages through all stages to ensure compliance
May serve as team lead and provide performance feedback to less experienced team members
May back up the Supervisor in their absence
Evaluate loans under quality control, internal, and agency guidelines
Ensure accuracy of all loan file information to meet QC standards and investor guidelines
Maintain regulatory compliance and recommend procedural improvements for efficiency
Perform other duties as required

Technologies

Microsoft Office Suite
Loan Origination Systems (LOS)
Automated Underwriting Systems (DU/LP)

Requirements

Basic proficiency with MS Office Suite
Strong understanding of lending regulations
Solid knowledge of processing and underwriting procedures
Strong familiarity with Hawaii real property laws and regulations, including land court, Ohana dwellings, ADUs, lava zones, and various leasehold properties
Proficiency in income analysis for complex scenarios such as variable income, self-employment, retirement, seasonal income, and REO
General understanding of condo projects and agency guidelines for both new and existing properties
Recent direct underwriting experience (3+ years) in Mortgage Loan Operations, including processing and closing conventional first mortgage loans per Fannie Mae, Freddie Mac, and other secondary market guidelines
Experience underwriting loans with mortgage insurance; delegated authority experience is a plus
Familiar with first-time homebuyer programs, down payment assistance, and affordable housing programs offered through federal and state/local agencies such as HHFDC, HHOC, City and County of Honolulu
Experience with Loan Origination Systems (LOS) and Automated Underwriting Systems (DU/LP)
Excellent verbal and written communication skills
Strong analytical, creative, and problem-solving abilities
Ability to prioritize workload and meet deadlines
Ability to work independently and make sound decisions; handle stressful situations
Ability to manually calculate DTI and LTV outside of the LOS
Experience evaluating files for Post-Close QC audits and working on new project developments
Experience leading individuals in a production environment
Experience with government underwriting including FHA, VA, and USDA
Experience underwriting brokered loans through a wholesale channel
Education: High school diploma or GED
Minimum 3 years direct underwriting experience in Mortgage Loan Operations
Onsite work location: Honolulu, Hawaii

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Underwriter II

Ponce Bank Bronx, NY

22d ago

$92k - $108k/yr Full time Banking Communication Credit

Banking Communication Credit

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Job Description

In this onsite Underwriter II position with Ponce Bank in the Bronx, you will evaluate and underwrite commercial real estate and construction loan applications, conduct risk assessments, prepare credit proposals, and monitor portfolio health. This role supports prudent lending and regulatory compliance within the bank’s real estate finance team.

Responsibilities

Underwrite and evaluate commercial real estate and construction loan applications.
Verify accuracy and consistency of all financial information and documentation; ensure loan files contain required application forms; validate regulatory disclosures provided by the processor.
Identify, review, and analyze relevant information to assess credit risk; determine profitability, strength of guarantor or borrower, and sources of repayment.
Disseminate financial information as part of the credit application process.
Review third party vendor reports while communicating with the respective parties to resolve discrepancies.
Prepare credit proposals on financial standing and present to the loan committee and/or Board of Directors for approval or denial; document reasons for policy exception recommendations, if any.
Monitor the existing portfolio, including annual credit reviews, renewal of lines of credit, and compliance with covenants.
Ensure adherence to bank policies and procedures and federal and state regulatory requirements.
Provide cross-functional support to other areas of the department and the Bank where service or assistance is needed.
Perform tasks supportive of the essential functions of the job, with adjustments possible depending on circumstances.

Requirements

Bachelor's degree in business, economics, accounting, finance, real estate development or related field; specialized mortgage loan underwriting education/training.
Minimum of five (5) years’ underwriting experience in commercial, construction, and owner-occupied mortgage loans with loan sizes over $5 million.
Construction experience strongly preferred.
Clearly communicates in English; proficient reading, writing, grammar, and mathematics.
Strong interpersonal and communication skills.
Proficient knowledge of underwriting practices.
Moderate PC skills, including working knowledge of Microsoft Office software.

Technologies

Microsoft Office

Impact

Enhances bank performance and profitability through disciplined underwriting and risk management.

Ancillary Functions

Ensures adherence to bank policies and procedures and federal and state regulatory requirements.
Provides cross-functional support to other areas of the department and the Bank where service or assistance is needed.
Performs tasks that support essential functions of the job and may be altered or redesigned based on circumstances.

Mandatory Training Curricula

Training is required for all bank staff on regulatory mandated compliance topics and courses relevant to specific job functions; refer to the course catalog and management for details.

Education/Training

Bachelor's degree in business, economics, accounting, finance, real estate development or related field is normally required; specialized mortgage loan underwriting education/training is noted.

Experience

A minimum of five (5) years’ underwriting experience in commercial, construction, and owner-occupied mortgage loans with loan sizes exceeding $5 million; construction experience strongly preferred.

Salary Range

Salary: $92,280 - $107,650 per year

Your Work Powers, Purpose, and Service

Behind the scenes, back-office professionals drive our mission. Through roles in operations, lending, compliance, marketing, or IT, your expertise fuels innovation and supports a community-first approach to banking.

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Business Banking Underwriter IV - Practice Finance

Huntington Bank Tupelo, MS

1mo ago

$70k - $140k/yr Full time Senior Banking Business

Senior Banking Business

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Job Description

Overview

The Senior Business Banking Underwriter IV in Practice Finance is available to candidates across the Huntington footprint, with a base location in Tupelo, Mississippi 38801.

Responsibilities

Underwrite and assess Business Banking Healthcare, SBA, and USDA loan applications to determine creditworthiness and compliance with Huntington lending policies and SBA/USDA guidelines.
Analyze customer financial information to support sound credit decisions.
Document loan decisions and any closing conditions in detail.
Act as a liaison to internal clients to resolve lending issues and communicate decisions clearly.
Complete underwriting decisions in a timely manner.
Maintain up to date knowledge of Huntington lending policies, risk rating requirements, and regulatory standards.
Provide coaching to bankers on sound lending practices and credit risk management.
Work independently on larger, complex credit requests.
Adhere to bank policies, procedures, and applicable legal and regulatory requirements.
Offer mentorship to other underwriters or credit analysts within the designated group.
Support risk management, compliance, and audit performance for the assigned area, whether in a supervisory, managerial, or individual contributor role.
Collaborate with management to develop effective controls and processes to measure, monitor, and control risk and ensure ongoing compliance.
Keep current on risk-related changes impacting the area of responsibility.

Basic Qualifications

Bachelor's Degree.
Minimum of 7 years of experience analyzing and underwriting loans for business or commercial clients.

Preferred Qualifications

Experience with SBA or other government guaranteed loan programs.
Formal credit training is preferred.
Excellent customer service, highly motivated, focused, and goal oriented.
Strong written and verbal communication skills with professional presentation.
Strong organizational abilities with attention to detail, planning, and follow-up.
Ability to build and expand high quality internal and external relationships.

Exempt Status

Yes, this position is exempt from overtime pay.

Workplace Type

Office based. Our approach to office work arrangements supports flexibility where applicable. Some roles outside our branch network may offer a blend of in-office and remote work. Specific arrangements will be provided by the hiring team.

Compensation

Salary range: $70,000 to $140,000 per year. This base salary range represents the minimum and maximum for the role; actual pay may vary based on location, experience, and performance, and may be above or below this range. Employees in this role are eligible to participate in an applicable incentive compensation plan. Huntington also offers a comprehensive benefits package including health insurance, a wellness program, life and disability insurance, a retirement savings plan, paid leave programs, paid holidays, and PTO.

Equal Opportunity Employer

Huntington is an Equal Opportunity Employer.

Tobacco-Free Hiring Practice

Details are available on Huntington's Career Web Site.

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Underwriter, Excess Casualty Large Commercial

AXA Dallas, TX

1mo ago

$97k - $162k/yr Full time Broker Relations Casualty Casualty Insurance

Broker Relations Casualty Casualty Insurance

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Job Description

Overview

AXA XL Large Commercial Excess Casualty invites you to join the Central Zone underwriting team. The Excess Casualty unit provides Umbrella and Excess Liability coverage to North American insureds. Our underwriting groups operate in the United States, Bermuda and Canada, and this opportunity is based in Dallas, Texas. Coverage can be written on an occurrence, claims-made, or occurrence-reported basis. Our appetite spans manufacturing, retail, hospitality, real estate, banking, wholesale distribution, and many other sectors. You will report to the Dallas Underwriting Manager for Excess Casualty and travel within the territory (20 percent) for client, broker, and internal meetings; the territory includes TX, OK, AR and LA.

What you’ll do

Underwrite, manage and service your own book of business in accordance with AXA XL underwriting guidelines and annual goals.
Market and solicit new business opportunities from broker partners to build and strengthen relationships in the retail community.
Cross-sell with other business units to maximize AXA XL results through data mining, targeted accounts and established relationships.
Analyze submissions, including applications, policy wording, inspection reports and loss runs, and conduct appropriate research to determine risk level for each account.
Utilize underwriting tools such as exposure, experience and industry ratings to assess complex casualty exposure; loss rating experience is a plus.
Adhere to underwriting guidelines, authorities and referral requirements as needed by regional management, product management and chief underwriting officers.
Collaborate with colleagues across actuarial, claims, legal and risk engineering to assess current and prospective risks.
Serve your book in collaboration with the Middle Office to ensure timely and accurate delivery of quotations, binders, policies and endorsements.
Contribute to regional planning by developing and executing your own annual desk-level underwriting plan.
Travel throughout the territory (20 percent) for client, broker and internal meetings.

What you’ll bring

Ability to build and maintain effective relationships with peers, brokers, agents and risk management professionals through organizational, time-management and multitasking skills.
Underwriting experience, a plus if it includes umbrella and excess casualty with solid knowledge of coverages and contracts.
Proactive internal and external analysis to complete underwriting assessments, strong problem-solving skills and robust sales and marketing abilities.
Experience working hands-on with actuarial, referral and colleague teams.
Outstanding communication skills, both verbal and written, with strong collaboration and presentation abilities; negotiation skills and strategic agility are required.
Bachelor’s Degree or equivalent experience.

Who we are

AXA XL, the property and casualty and specialty risk division of AXA, addresses complex risks for mid-sized companies, multinationals and select individuals. We blend a comprehensive capital platform, data-driven insights, leading technology and an agile, inclusive workplace to deliver top client service across property, casualty, professional, financial lines and specialty. Our approach embraces innovation and flexible risk solutions to support clients who move the world forward. Learn more at axaxl.com.

Inclusion and diversity

AXA XL is committed to equal employment opportunities and will consider applicants regardless of gender, sexual orientation, age, ethnicity and origins, marital status, religion, disability or any other protected characteristic. We believe an inclusive culture and a diverse workforce drive business growth and success. We support five Business Resource Groups focused on gender, LGBTQ+ inclusion, ethnicity and origins, disability, and inclusion, with 20 chapters worldwide. We offer flexible working arrangements and enhanced family-friendly leave benefits, and we are named to the Diversity Best Practices Index and signatories to the UK Women in Finance Charter. Learn more at axaxl.com/about-us/inclusion-and-diversity.

Compensation and rewards

AXA XL’s Reward program covers health, wellbeing, lifestyle and financial security, providing competitive compensation and inclusive benefits that evolve with you. We offer a competitive retirement savings plan, health and wellness programs and many opportunities for professional development. The U.S. base salary range for this position is USD 97,100 - 161,900. Actual pay will be determined based on the individual’s skills, experience and location, with market alignment and internal equity in mind.

Sustainability

Sustainability is embedded in AXA XL’s strategy. Our 2023-26 plan, Roots of resilience, focuses on protecting natural ecosystems, addressing climate change and embedding sustainable practices across operations. Pillars include valuing nature, addressing climate change, and integrating ESG throughout processes. AXA Hearts in Action supports volunteering and charitable giving, including Matching Gifts, Volunteering Leave and the Global Day of Giving. For more information, see sustainability at AXA XL.