Sr. Credit Underwriter (Part Time, Weekends)

Overview

This Senior Credit Underwriter role serves as a key decision-maker and risk expert within the credit underwriting function. You will evaluate the most complex and high-risk loan applications, applying credit policies consistently and prudently. The position combines hands-on underwriting with strategic oversight, including handling exceptions to standard criteria and refining underwriting guidelines in partnership with risk, compliance, product, and technology teams.

You will also mentor junior underwriters, support audit and quality control efforts, and help maintain the integrity of the credit portfolio.

Responsibilities

• Conduct thorough, advanced credit analysis for complex loan files, including high-dollar, layered risk, and exception-based cases
• Serve as a resource for challenging loan files and edge-case scenarios
• Perform second-level reviews on escalated or borderline applications
• Recommend policy updates and enhancements to underwriting criteria
• Provide mentorship and informal training to level I and II Underwriters
• Act as a point of contact for internal audits, compliance inquiries, and exception approvals
• Lead quality control reviews and contribute to underwriter training and performance calibration
• Partner with technology teams to optimize underwriting tools and automation logic
• Maintain superior accuracy to uphold high performance standards
• Other duties as assigned

Qualifications

• Associate or bachelor’s degree in finance, business, or related field preferred
• Minimum 1–2 years as Credit Underwriter II (or equivalent external experience)
• Expert-level credit analysis and decision-making skills
• Strong working knowledge of lending guidelines, including DTI, LTV, and credit scoring

Knowledge and Skills

• Strong attention to detail and commitment to accuracy
• Proficient in credit risk assessment and document review
• Collaborative mindset and willingness to mentor junior staff informally
• Detail oriented with strong analytical and organizational skills
• Proven ability to lead initiatives and mentor cross-functional teams

Compensation & Benefits

• Pay based on experience and level placement; rates start at $32.81/hour for Senior Credit Underwriter
• Up to 7.5% of annual salary paid out on a monthly basis, based upon performance, after the first 90 days of employment

Location

• Remote
• Schedule: Saturday and Sunday, 10AM to 7PM