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Remote Consumer Loan Underwriter jobs in the United States
Job type
Min. salary, $/year
Level
The demand for skilled consumer loan underwriters continues to grow as financial institutions expand their remote lending operations across the USA. With 425 open positions available, this remote opportunity allows professionals to evaluate loan applications, assess borrower risk, and support lending decisions from anywhere in the country. Companies are actively looking to hire a consumer loan underwriter who can combine analytical precision with sound judgment in a fast-paced financial environment.
Successful candidates typically bring strong analytical skills, attention to detail, and a solid understanding of credit analysis, regulatory compliance, and risk assessment. Familiarity with underwriting software, loan origination systems, and consumer lending guidelines is highly valued, along with the ability to interpret financial statements and credit reports accurately. Strong communication skills are also essential, as consumer loan underwriters often collaborate with loan officers and compliance teams to ensure timely, well-informed decisions. These consumer loan underwriter vacancies suit professionals who thrive on independent work and sound financial reasoning.
Remote work has become the standard for many underwriting roles, allowing professionals to manage their workload efficiently while maintaining close communication with distributed teams. Employers across the USA are embracing flexible work arrangements to attract top talent, recognizing that strong underwriting performance doesn't require a traditional office setting. This shift has fueled consistent growth in consumer loan underwriter positions, as lenders modernize their operations and prioritize digital-first hiring strategies.
If you're ready to take the next step in your underwriting career, explore current consumer loan underwriter jobs in the USA through GlobalWork AI. Discover opportunities that match your expertise and offer the flexibility of remote work, all while contributing to a growing and dynamic lending industry.
Beacon Talent
Build relationships with loan officers at assigned broker and lender accounts. Identify and engage loan officers who are not currently sending files. Resolve issues with stuck files by collaborating with underwriting, closing, and operations.
remote, United States$150k/yrFull TimeMiddle (2-4 years)
Fifth Third Bank
Originate residential mortgage loans from application to closing, ensuring compliance with policies and procedures. Develop referral contacts and manage loan pipelines, providing timely updates to applicants and branches.
remote, IA, United StatesFull TimeJunior (<2 years)
Ally
Evaluate, negotiate, and make decisions on consumer offerings within Ally’s underwriting policies. Build and maintain a dealer portfolio while providing relationship management. Increase dealer portfolio revenue by applying sound underwriting judgment and risk management principles.
remote, NV, United States$55k – $95k/yrFull TimeJunior (<2 years)
Symetra
Review individual life insurance applications, underwriting standard and substandard risks. Determine acceptance, rejection, or modification of risks based on medical history and financial background. Collaborate with senior underwriters on complex cases and ensure compliance with service standards.
remote, United States$97k – $161k/yrFull TimeSenior (5+ years)
America First Credit Union
Ensure accuracy of SBA loan applications and conduct in-depth analysis of loans in the portfolio. Collaborate with lenders and facilitate meetings with borrowers. Perform financial and background analysis for new and existing commercial loans, preparing recommendation packets for loan review.
remote, AZ, United States$101k – $125k/yrFull TimeMiddle (2-4 years)Fifth Third Bank
Originate residential mortgage loans from application to closing, ensuring compliance with policies and procedures. Develop referral contacts and manage loan pipelines, providing timely updates to applicants and branches.
remote, AL, United StatesFull TimeJunior (<2 years)
National Mortgage Staffing
Underwrite wholesale Non-QM loans from initial review to final decision. Analyze income, assets, credit, and collateral while applying multiple investor guidelines. Evaluate alternative qualifying options and specialized loan programs, issuing clear underwriting decisions and conditions.
remote, AZ, United States$100k/yrFull TimeSenior (5+ years)
Carrington Mortgage
Underwrite loss mitigation applications according to Treasury, Company, and Investor guidelines. Analyze loans for compliance, conduct Verification of Income (VOI), and calculate debt-to-income ratios.
remote, United States$55k – $61k/yrFull TimeMiddle (2-4 years)
Satori Mortgage
Originate personal loan deals while building and leading a team of loan officers (LOs). Train and mentor LOs to generate business effectively. Oversee pod production and earn overrides based on team performance.
remote, United StatesFull TimeLead / Manager
Capital Blue Cross
Prepare rate quotations for prospective and current groups, including benefit changes and renewals. Present rate exceptions with analysis to management, consult with Sales and Underwriting Management, and support renewal calculations through exhibits and analyses.
remote, PA, United StatesFull TimeJunior (<2 years)Fifth Third Bank
Review and decide on small business loan requests, assisting junior underwriters with financial analysis and loan structuring. Collaborate with relationship managers for deal review and pre-clearance, ensuring compliance with SBA policies.
remote, OH, United States$82k – $173k/yrFull TimeLead / Manager
First Citizens Bank
Underwrite commercial credit actions, reviewing financial statements and performing analysis to recommend borrower risk ratings and loan structuring. Identify and assess risks in commercial credit requests, coordinating review schedules for existing credits.
remote, AZ, United StatesFull TimeMiddle (2-4 years)
The Standard
Review, underwrite, negotiate, and recommend mortgage loan transactions including new originations and refinances. Analyze financial statements and third-party reports, prepare underwriting materials, and support communication between teams.
remote, United States$53k – $78k/yrFull TimeJunior (<2 years)
Ladder
Manage underwriting support tasks to ensure efficient business operations. Perform line underwriting on individual term life cases, evaluating medical and personal histories. Analyze data from various sources to make final underwriting decisions.
remote, AZ, United States$56k – $69k/yrFull TimeJunior (<2 years)
Enterprise Community Partners
Underwrite low-income housing tax credit investments, including sponsorship and market analysis, income and expense underwriting, and tax credit documentation analysis.
remote, United States$120k – $130k/yrFull TimeMiddle (2-4 years)
Kentucky Housing Corporation
Review, approve, or deny loans utilizing KHC's homeownership funds, ensuring compliance with CFPB and federal/state laws. Analyze mortgage loan files for compliance and risk, manage multiple applications, and communicate with appraisal companies.
remote, KY, United StatesFull TimeMiddle (2-4 years)
Amynta Group
remote, TX, United StatesFull TimeJunior (<2 years)
Lendsure Mortgage Corp
Render credit decisions on mortgage applications, underwrite mortgage commitments, and verify documentation from Mortgage Brokers. Ensure compliance with internal policies and service level agreements while analyzing borrower financials and credit risk.
remote, United States$69k – $90k/yrFull TimeSenior (5+ years)
Berkley
Generate submissions, underwrite, and issue policies for Directors and Officers Liability, Employment Practices Liability, Fiduciary Liability, and Fidelity/Crime for healthcare organizations.
remote, United States$60k – $109k/yrFull TimeSenior (5+ years)
Bayview Asset Management
Manage a scenario desk for eligibility questions and exception requests from loan originators. Prepare bank statement income calculations for underwriting. Collaborate with capital markets and credit policy teams to ensure compliance with origination policies.
remote, CO, United States$90k – $115k/yrFull TimeSenior (5+ years)
Golden 1 Talent Acquisition Team
Underwrite loan files daily according to agency and credit union policies. Review underwriting conditions and ensure compliance with state and federal regulations. Analyze tax returns, credit, and appraisal reports to meet agency and investor requirements.
remote, United States$83k – $95k/yrFull TimeSenior (5+ years)
NorthAB LLC
Conduct periodic credit reviews and prepare detailed financial analyses and risk assessments for high exposure merchants. Communicate findings and recommendations to senior management, implement collateral strategies to minimize losses, and support underwriting decisions.
remote, United States$75k – $81k/yrFull TimeSenior (5+ years)Bayview Asset Management
Manage a pipeline of loans, working directly with sellers to resolve conditions. Provide eligibility support and approve exceptions as authorized.
remote, CO, United States$90k – $115k/yrFull TimeSenior (5+ years)
Northwest Access Fund
Evaluate lending opportunities, conduct financial analysis, prepare credit presentations, and build relationships with borrowers. Focus on financing for Adult Family Home businesses, package and underwrite loans, and provide technical assistance and training to loan applicants.
remote, IA, United States$75k – $95k/yrFull TimeJunior (<2 years)
Santander
Manage credit risk and a portfolio of complex multi-dealer groups. Underwrite loans by analyzing dealer financial statements and cash flow, ensuring compliance with underwriting standards.
remote, United States$86k – $145k/yrFull TimeSenior (5+ years)
Crum & Forster
Review and analyze underwriting data to maintain a profitable book of primary liability business. Manage agency relationships through customer service and marketing activities. Collaborate with colleagues to achieve departmental goals and participate in training to enhance underwriting knowledge.
remote, AL, United States$56k – $105k/yrFull TimeMiddle (2-4 years)
EMC Insurance Companies
Support the underwriting team by reviewing endorsements, analyzing new and renewal accounts, and evaluating middle market accounts for risk selection and pricing. Maintain proper documentation and communicate with agents regarding account updates.
remote, TX, United States$51k – $78k/yrFull TimeEntry with Degree
New Silver
Underwrite residential investment loans, including fix-and-flip and ground-up construction. Evaluate borrower creditworthiness and analyze property valuations to determine loan structures. Collaborate with Loan Advisors to ensure efficient loan processing and compliance with credit policies.
remote, CT, United States$120k/yrFull TimeJunior (<2 years)
Fulton Bank
Underwrite and close Small Business Administration loans, ensuring timely decision-making on credit risk. Prepare financial documentation, analyze loan structures, and maintain compliance with regulations.
remote, United States$81k – $135k/yrFull TimeSenior (5+ years)Carrington Mortgage
Underwrite Loan Modifications applications according to Treasury, Company, and Investor guidelines. Analyze loan quality, conduct Verification of Income (VOI), and calculate debt-to-income ratios. Document final decisions and ensure compliance with legal and policy requirements.
remote, United States$46k – $52k/yrFull TimeJunior (<2 years)
FourLeaf Federal Credit Union
Review and analyze commercial loan packages, assess creditworthiness, and prepare detailed credit approval memos. Handle complex deals, maintain underwriting files, and ensure compliance with lending guidelines.
remote, Bethpage, NY, United States$106k – $128k/yrFull TimeSenior (5+ years)
First Fed
Underwrite and process consumer loans, ensuring compliance with documentation and regulatory standards. Review borrower credit, income, and collateral to support credit decisions. Coordinate third-party reports and prepare closing documents for accuracy and compliance.
remote, IA, United States$46k – $78k/yrFull TimeJunior (<2 years)
Freedom Mortgage
Underwrite residential loans including Conventional, FHA, and VA loans, ensuring compliance with company and investor standards. Review loan documentation for accuracy and completeness, analyze borrower profiles, and calculate income documentation.
remote, HI, United States$76k – $89k/yrFull TimeSenior (5+ years)
Zions Bancorporation
Underwrite SBA guaranteed loan products, ensuring compliance with SBA SOP and bank policies. Compile data for credit packages, analyze financial statements, and evaluate loan applications. Prepare summaries and recommendations for credit approvals, and identify risks in credit analysis.
remote, United States$65k – $100k/yrFull TimeJunior (<2 years)Zions Bancorporation
Evaluate and approve condominium project eligibility for residential mortgage lending. Conduct project reviews, insurance analysis, and resolve eligibility issues. Maintain project approval records and support management decision-making regarding project eligibility.
remote, United States$73k – $87k/yrFull TimeSenior (5+ years)Golden 1 Talent Acquisition Team
Process consumer loan applications from start to finish, ensuring compliance with state and federal regulations. Manage high volumes of loan-related calls and documentation, prepare loan documents, and conduct audits for accuracy.
remote, CA, United States$43k – $48k/yrFull TimeMiddle (2-4 years)
Deephaven Mortgage
Evaluate complex mortgage loan applications outside traditional QM guidelines, ensuring compliance with company policies and investor guidelines. Perform quality control audits of third-party vendors, review loan scenarios, and communicate eligibility requirements.
remote, United States$107k/yrFull TimeSenior (5+ years)
MEMBER FIRST MORTGAGE LLC
Analyze mortgage loan applications to determine borrower eligibility and creditworthiness. Review income, assets, credit history, and liabilities for compliance with underwriting guidelines.
remote, MI, United StatesFull TimeSenior (5+ years)
Paramount Residential Mortgage Group
Analyze loan files for compliance with company, investor, and FHA/VA guidelines. Underwrite credit packages and collateral for residential mortgage loans, ensuring investment quality. Maintain productivity standards, complete underwriting worksheets, and communicate decisions to relevant parties.
remote, United StatesFull TimeMiddle (2-4 years)
Endeavor
Manage the lender program portfolio, tracking approval rates and performance metrics. Monitor lender performance and report trends to leadership. Lead lender onboarding, coordinating with product and engineering teams.
remote, United StatesFull TimeMiddle (2-4 years)10,000,000+ more jobs available!
