Underwriting Systems

Underwriting Systems Finance Jobs

25 jobs found

Investment Analyst

Vaco by Highspring Raleigh, NC Hybrid

9d ago

$100k - $120k/yr Full time Python Analyst Cash Flow

Python Analyst Cash Flow

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Job Description

This Investment Analyst role, based in Raleigh, NC with hybrid remote options at Vaco by Highspring, centers on real assets in private markets. It combines underwriting modeling with applied AI and automation to build tools that enhance efficiency and accelerate investment decision making.

Responsibilities

Build and maintain underwriting models, including IRR and MOIC analysis, cash flow projections, and scenario and sensitivity analysis
Support investment committee preparation by organizing data, drafting exhibits, and formatting underwriting packages
Conduct market and comparable transaction research to support investment decisions
Maintain portfolio performance models each reporting cycle and ensure accuracy of key metrics and asset-level data
Assist with due diligence workstreams and summarize findings for senior leadership
Identify recurring manual workflows and design automation solutions that reduce cycle time and improve reliability
Build and maintain automated templates for reporting, portfolio summaries, and dashboards
Use AI tools as a daily driver (not experimentation) for analysis, drafting, synthesis, and process acceleration, with sound judgment and human review
Develop lightweight data pipelines and scripts (Python preferred) to clean, transform, and reconcile data for modeling and reporting
Leverage low-code automation tools (Zapier, Make, Notion automations, or similar) where appropriate to connect systems and eliminate repetitive tasks
Document tools and workflows, maintain version control, and ensure solutions are transferable across the team
Pull, clean, and validate operational and financial data from internal systems each cycle
Maintain performance trackers, portfolio summaries, and valuation schedules
Flag anomalies early and escalate before data reaches leadership or external outputs
Support asset-level monitoring by tracking key operating metrics and performance drivers
Monitor market conditions and transaction activity and summarize findings for the investments team
Build and maintain a comparable transactions database for underwriting benchmarking
Conduct targeted research on geographies, operators, and asset characteristics as requested

Requirements

Undergraduate degree required; finance, economics, data science, computer science, or other quantitative backgrounds are preferred
1 to 7 years of experience; investment banking, private equity, real assets, or highly analytical roles are strongly preferred
Demonstrated financial modeling proficiency: DCF, IRR and MOIC, scenario analysis, sensitivity tables, and clean model hygiene
Strong applied AI capability, using tools like Claude, ChatGPT, or similar as a working tool to improve speed and quality
Python or scripting ability sufficient to automate reporting workflows and build repeatable data processes
Advanced Excel skills, including structured modeling, pivot tables, and strong file organization
Strong communication skills and ability to translate analysis into clear takeaways
High attention to detail, strong ownership mindset, and ability to work independently
Comfortable with fast feedback loops, high expectations, and prioritizing what matters most

Technologies

Python
Claude
ChatGPT
Zapier
Make
Notion automations
Excel
Power BI
NetSuite

Benefits

Discretionary bonuses
Medical, dental, and vision benefits
401(k) retirement plan

Nice to Have

Experience with planning and reporting tools or dashboards (Power BI or similar)
Familiarity with accounting or ERP data and extracting data for analysis (NetSuite or similar)
Interest in real assets, agriculture, commodities, or operationally complex investment strategies
Exposure to low-code automation tools and basic API concepts

Software and Tools

Excel and Power BI
ERP and finance systems such as NetSuite and similar tools
AI tools such as Claude, ChatGPT, or equivalent
Optional: Python and low-code automation tools

Pay Transparency Notice

the individual’s skill sets, experience and training;
licensure and certification requirements;
office location and other geographic considerations;
other business and organizational needs.

Privacy Notice

California residents may access Vaco by Highspring HR Notice at Collection for California Applicants and Employees here.

Virginia residents may access our state specific policies here.

Residents of all other states may access our policies here.

Canadian residents may access our policies in English here and in French here.

Residents of countries governed by GDPR may access our policies here.

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DE Underwriter

United Mortgage Corp Melville, NY Hybrid

9d 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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Senior Equipment Finance Underwriter

Wells Fargo Chicago, IL Hybrid

15d 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

16d 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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Director, Business Lending & Operations

Langley Federal Credit Union Newport News, VA Hybrid

17d ago

Full time Banking Business Compliance

Banking Business Compliance

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Job Description

Langley Federal Credit Union seeks a senior leader to direct its business lending and operations, overseeing underwriting, loan servicing, portfolio administration, and treasury management risk controls for commercial and business lending in a hybrid Newport News, Virginia setting.

Responsibilities

Build and lead teams responsible for commercial underwriting, credit analysis, loan servicing, treasury management, and commercial lending operations.
Provide senior oversight of underwriting and credit structuring for complex C&I, CRE, and business lending transactions, including covenant design, collateral structures, and financial analysis.
Establish and maintain underwriting standards, credit policies and procedures, and operational controls to ensure sound lending practices and regulatory compliance, plus quality control over credit memos, loan approvals, annual reviews, covenant tracking, and borrower financial monitoring.
Oversee the commercial loan pipeline from intake through underwriting, approval, closing, and servicing, ensuring efficiency and timely execution.
Direct all loan servicing and portfolio administration activities, including financial statement collection, covenant compliance monitoring, and portfolio risk reporting.
Oversee operational processes related to loan documentation, closings, post-closing review, and system boarding.
Provide oversight of treasury management risk controls for business services, including ACH, wire transfers, and other payment solutions.
Monitor the quality of the commercial loan portfolio, including risk rating migration, policy exceptions, past due loans, and credit performance trends.
Develop and maintain risk rating and profitability matrix tools in partnership with Finance and executive leadership expectations.
Ensure accurate and timely regulatory and internal reporting, including portfolio analytics and NCUA-related reporting requirements.
Lead initiatives to improve commercial lending processes, systems, and technology, including loan origination and servicing platforms.
Manage intake processes and ensure strong service standards for business members, including resolution of complex service or operational issues.
Identify emerging credit or operational risks and escalate issues to the department Vice President as appropriate.
Assist with leadership of the Business Lending department in the absence of the Vice President.

Requirements

Bachelor’s degree in Business Administration, Accounting, Finance, Economics, or related field required.
Eight to ten years of commercial lending experience, including underwriting complex C&I and commercial loan transactions, required.
Minimum five years of experience leading or managing credit, underwriting, or commercial lending operations teams.
Expert knowledge of commercial credit analysis, financial statement analysis, loan structuring, and covenant design required.

Competencies

Service Champion – Adopts a service orientation, building trusting relationships and delivering value for associates, members, and communities.
Langley Ambassadors – Demonstrates a passion for Langley’s vision, encouraging diversity, equity, and inclusion while considering Langley’s values when making decisions and taking accountability for delivering results.
Agile in Action – Adapts to changes in the business, demonstrating innovation to improve Langley and advance the business into the future.
Team Driven – Collaborates across Langley, communicating with transparency, and prioritizing a team-based approach that delivers optimal outcomes for associates, members, and communities.
Continuous Learners – Maintains an understanding of Langley’s business and how value is delivered to members and actively pursues opportunities to grow oneself and strengthen the organization.

Physical Requirements

The role requires sitting for extended periods and using a computer workstation, with close vision needed to view monitors. The ability to hear and speak clearly is required for interactions with coworkers, members, and vendors. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

Working Conditions

The office environment typically features a moderate noise level. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

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Vice President, Venture Lending and Banking

Stifel New York, NY

19d ago

$150k - $200k/yr Full time Advisor Banking Business Development

Advisor Banking Business Development

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Job Description

The VP or SVP will build and support a regional portfolio of technology companies, lead debt processes, and deliver a curated banking experience through Stifel's platform.

Responsibilities

Build and support a regional client portfolio of technology companies as a Vice President or Senior Vice President within Stifel's Venture Banking Team.
Leverage the resources of Stifel's banking and broader corporate platform to lead debt processes and provide a curated banking experience for entrepreneurs and their businesses.
Engage with senior leaders inside and outside the organization to understand technology and capital trends and how they impact the companies we support.
Bring venture-backed technology experience, a strong relationship network, and serve as a trusted advisor to technology companies and their investors.

What you'll be doing

Maintain a portfolio of technology company clients, including ongoing portfolio management and deploying Stifel resources to support those clients.
Drive deal processes, including loan underwriting, loan documentation, and the loan closing process.
Maintain in-depth knowledge of the venture capital ecosystem and Stifel’s products and services.
Identify and pursue opportunities to strengthen relationships with venture capitalists, founders, executives, and industry advisors.
Attend and, when appropriate, curate industry events to represent Stifel and expand the organization’s network connectivity.

What we're looking for

Maintain a portfolio of technology company clients, including ongoing portfolio management and effectively deploying Stifel platform resources to support clients.
Ability to drive deal processes, including loan underwriting, loan documentation, and loan closing.
Deep knowledge of the venture capital ecosystem and firm products and services.
Recognizes and pursues opportunities to strengthen relationships with key stakeholders within the innovation ecosystem, including venture capitalists, founders, executives, and industry advisors.
Attends and curates industry events to represent Stifel and expand network connectivity when appropriate.

What you'll bring

Advanced knowledge in venture lending, underwriting, and portfolio management.
Knowledge of economic and accounting principles and practices, the financial markets, venture banking, and the analysis and reporting of financial data.
Interest in technology trends, key metrics, and capital markets affecting the innovation ecosystem.
Use logic and reasoning to identify the strengths and weaknesses of alternative solutions and approaches to problems.
Excellent communication and interpersonal skills; able to build strong relationships with clients and internal teams.
Proactive, detail-oriented, and able to thrive in a fast-paced environment with multiple priorities.
Strong team leadership skills to coach, develop, and retain team members.

Education & Experience

Bachelor's degree in finance, accounting or equivalent experience.
3+ years of related work experience in venture banking, commercial banking, investment banking, or private capital investing.

Licenses & Credentials

Minimum Required: None

Systems & Technology

Proficient in Microsoft Word, Microsoft Excel, Microsoft PowerPoint, Microsoft Outlook

Benefits

Discretionary bonuses
Health, dental, vision, and prescription insurance
Stifel Total Health Connect
Flexible spending accounts
Tuition and certification assistance programs
Paid time off
401k
Wellness initiatives
Life insurance

Why Stifel

Stifel emphasizes a client- and associate-first culture where everyone belongs, is welcome, and contributes to the success of clients, their careers, and the firm as a whole.

Explore where your place is at Stifel, where professional success can align with client outcomes.

What you’ll be doing

The Venture Banking Team at Stifel expects the VP/SVP to actively build and support a regional technology-focused client base, leverage the firm’s banking and corporate resources to manage debt processes, and deliver a tailored banking experience to entrepreneurs and their companies. Success depends on engaging senior leaders to understand technology and capital trends and translating those insights into value for clients and their investors.

Systems & Technology (additional)

Microsoft Word, Excel, PowerPoint, and Outlook proficiency is required.

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VP Commercial Credit Administration Manager

MOUNTAINONE BANK Rockland, MA

23d ago

$120k - $165k/yr Full time Manager Administration Banking

Manager Administration Banking

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Job Description

Job Summary

The VP Commercial Credit Administration Manager leads and mentors the team while ensuring effective underwriting and risk assessment outcomes. In line with established policies and procedures, this role conducts credit analysis for new loan requests and oversees the existing portfolio, including annual reviews, loan modifications, tracking financial information, and managing credit administration reports to strengthen the overall risk management of the commercial loan portfolio. The position collaborates with the credit team and the commercial lending team to identify and resolve complex credit issues. Independently approving commercial loans up to $500,000 in TCC, this role supports external loan review and maintains and updates the Commercial Loan Policy and BHG Policy.

Salary Range

$120,000 - $165,000 per year, based on experience

Location

Rockland, MA 02370

Primary Responsibilities

Analyze financial statements, management profiles, business cycles, historical operating performance, and cash flow to assess credit risk.
Supervise all analysts, supporting their professional development.
Directly work with analysts to enhance credit analysis skills and writing, resulting in comprehensive, in-depth credit analyses for loan transactions with moderate complexity, with minimal supervision from the Credit Manager.
Provide constructive comments and recommendations on loan terms and structures to minimize credit risks and protect the bank’s capital.
Balance the balance between credit considerations and lending needs, collaborating with analysts and lenders to reach well-reviewed recommendations that comply with regulatory and bank standards.
Independently complete key underwriting for mid-size to large commercial loan requests in a timely fashion, including but not limited to commercial mortgages, commercial and industrial loans, working capital revolving credit loans, and commercial construction loans.
Prepare and review in-depth written analyses for relationships of varying size and complexity, ensuring compliance with laws, regulations, guidelines, and bank policies.
Perform analysis and research required for the annual review of all borrower relationships as well as the annual review and renewal of all working capital revolving lines of credit, and renewal of maturing loans.
Interact with customers, bank officers, and Loan Operations to respond to inquiries, questions, problems, and other credit issues in a timely manner.
Conduct thorough appraisal reviews to ensure all appraisals used by the bank comply with related appraisal regulations and the bank’s internal appraisal policy.
Provide routine and ad hoc reports to effectively manage the commercial loan portfolio.
Prepare periodic industry analyses to identify credit concentrations and improve underwriting, particularly in new industries, while monitoring industry trends affecting the portfolio.
Oversee input, maintenance, and distribution of credit administration data related to the Finastra/Credit Quest and Abrigo Construct systems.
Manage the bank’s BHG Loan Purchase Program.
Serve as the subject matter expert on regulatory requirements related to the safety and soundness and compliance regulations of commercial lending, sharing knowledge and guidance with team members as needed.
Maintain compliance with all related bank policies, Bank Secrecy Act, confidentiality, standardized procedures, and regulations.
Engage in ongoing training to further overall banking background.
Represent the bank in the community and at business and professional association functions.
Other duties as assigned.

Qualifications

Experience in underwriting and risk assessment for commercial loans, including analysis of financial statements, cash flows, and management profiles.
Proven ability to supervise and develop analysts, and to collaborate with lending teams to reach well-considered recommendations.
Ability to underwrite mid-size to large commercial loan requests, including commercial mortgages, commercial and industrial loans, working capital revolving credit facilities, and construction loans.
Proficiency in preparing detailed written credit analyses and ensuring compliance with laws, regulations, and bank policies.
Familiarity with credit administration systems such as Finastra/Credit Quest and Abrigo Construct; experience with the BHG Loan Purchase Program is a plus.
Knowledge of regulatory requirements related to commercial lending and a commitment to Bank Secrecy Act and confidentiality.
Strong communication and customer service skills, with the ability to respond to inquiries promptly and professionally.
Commitment to ongoing professional development and community involvement.