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Auto Underwriter Jobs in Minnesota (NOW HIRING)

Mariner Finance

Auto Underwriter I

Eagan, MN · On-site

$24.90 - $30.14/hr

Review, analyze, and underwrite Direct Auto applications using sound judgment and company guidelines in the decision-making process. * Assist Branch employees with negotiation of loans based on ...

Mariner Finance

Auto Underwriter I

Eagan, MN · On-site

$24.90 - $30.14/hr

Review, analyze, and underwrite Direct Auto applications using sound judgment and company guidelines in the decision-making process. * Assist Branch employees with negotiation of loans based on ...

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Auto Underwriter information

See Minnesota salary details

$31.8K

$77.3K

$136.6K

How much do auto underwriter jobs pay per year?

As of Aug 20, 2026, the average yearly pay for auto underwriter in Minnesota is $77,254.00, according to ZipRecruiter salary data. Most workers in this role earn between $59,700.00 and $85,200.00 per year, depending on experience, location, and employer.

What is an auto underwriter?

An Auto Underwriter is responsible for evaluating insurance applications to determine the risk associated with insuring a vehicle and its driver. They analyze factors such as driving history, credit score, vehicle details, and claims history to assess eligibility and set premium rates. Using underwriting guidelines and risk assessment models, they ensure policies comply with company standards while maintaining profitability. Auto Underwriters often collaborate with agents, adjusters, and other stakeholders to make informed decisions. Their role is crucial in balancing risk while offering competitive insurance policies.

What does an auto underwriter do?

A typical day for an Auto Underwriter involves reviewing auto insurance applications, analyzing applicant information, and assessing risk to determine appropriate coverage and premium rates. You’ll frequently use specialized underwriting software and collaborate with insurance agents, brokers, and sometimes clients directly to gather additional details or clarify information. Regular tasks include making approval or denial decisions, adjusting policy conditions, and documenting your assessments. In addition, you may attend team meetings to discuss complex cases and keep updated on evolving underwriting guidelines. The role is a balance of independent analysis and team collaboration, offering a dynamic and engaging work environment.

What are the key skills and qualifications needed to thrive as an auto underwriter?

To thrive as an Auto Underwriter, you need strong analytical abilities, attention to detail, and a solid understanding of risk assessment principles, often supported by a degree in finance, business, or a related field. Familiarity with underwriting software, insurance databases, and sometimes certifications like CPCU or AINS is highly valuable. Excellent communication, problem-solving skills, and a customer-focused mindset help distinguish top performers in this field. These capabilities are crucial for accurately evaluating insurance applications, minimizing risk, and building positive client relationships.

How to become an auto underwriter?

To become an auto underwriter, typically one needs a bachelor's degree in finance, insurance, or a related field, along with strong analytical and communication skills. Gaining experience in insurance underwriting or claims processing and obtaining relevant certifications, such as the Chartered Property Casualty Underwriter (CPCU), can improve job prospects. Proficiency with underwriting software and knowledge of auto insurance policies are also important.

What are popular job titles related to Auto Underwriter jobs in Minnesota?

For Auto Underwriter jobs in Minnesota, the most frequently searched job titles are:

What job categories do people searching Auto Underwriter jobs in Minnesota look for?

The top searched job categories for Auto Underwriter jobs in Minnesota are:

What cities in Minnesota are hiring for Auto Underwriter jobs?

Cities in Minnesota with the most Auto Underwriter job openings:

Auto Underwriter jobs near you
Infographic showing various Auto Underwriter job openings in Minnesota as of August 2026, with employment types broken down into 93% Full Time, 3% Part Time, and 4% Contract. Highlights an 86% In-person, 9% Hybrid, and 5% Remote job distribution, with an average salary of $77,254 per year, or $37.1 per hour.

Auto Underwriter I

Mariner Finance

Eagan, MN • On-site

$24.90 - $30.14/hr

Full-time

This job post has expired today. Applications are no longer accepted.

Mariner Finance rating

7.5

Company rating: 7.5 out of 10

Based on 37 frontline employees who took The Breakroom Quiz

115th of 151 rated financial services

Job description

Base Salary Range
USD $24.90 - USD $30.14 /Hr.
Join Mariner Finance!
Base + Incentive:
This role is eligible for a competitive quaterly incentive based on individual and company performance.
The hourly base offered within the posted range will be determined based on a variety of job-related factors, including relevant skills, qualifications, experience, and internal equity.
Since 1927, the Mariner Finance family of companies has provided customers with creative, flexible, and convenient lending options. Headquartered in Baltimore, Mariner Finance operates coast-to-coast with physical locations in over half the states. With a growing number of employees, superior customer service remains the cornerstone of our business, and we pride ourselves in delivering a variety of loans with an enhanced focus on exceptional service. We work with customers to find options that are beneficial to their specific needs, which is why we are recognized by our customers as one of the community's consumer finance companies of choice.
Benefits:
For information regarding our benefits, please visit: https://www.marinerfinance.com/careers/benefits/
Job Details
In this role, you will...
Be responsible for evaluating and underwriting Direct Auto loan applications; providing decisions on a timely basis and in compliance with company lending policies and guidelines. Support the Direct Auto Manager and work directly with branch employees to ensure efficient and accurate loan processing.
Responsibilities and Duties:
  • Review, analyze, and underwrite Direct Auto applications using sound judgment and company guidelines in the decision-making process.
  • Assist Branch employees with negotiation of loans based on internal lending guidelines, fair lending practices, and the ECOA (Equal Credit Opportunity Act).
  • Maintain confidentiality with sensitive financial and personal information.
  • Review financial statements, credit reports, applicable debt ratios, and loan-to-value ratios in order to make credit decisions that mitigate future risk for the company.
  • Communicate in a style and manner that develops and maintains a strong business relationship with all contacts.
  • Maintain thorough and accurate documentation of all loan applications, decisions, and communications as per company policies and regulations.
  • Underwrite other loan products as needed, demonstrating flexibility and adaptability.
  • Strictly comply with applicable federal, state, and local laws and provisions of states in which Mariner operates.
  • Follow policies and procedures of the company. Stay informed of updates to company lending policy and promptly implement applicable changes.
  • May perform additional functions depending on market demand and staffing in order to provide consistent quality customer service.

Required Qualifications:
  • Associate's degree (or two (2) years of college course work); additional, applicable years of experience may be substituted for an associate's degree.
  • Experience working in a professional/customer service setting with demonstrated success meeting deadlines.
  • Professional, customer-focused, and results-oriented attitude with the ability to effectively problem-solve, analyze, and use data to make informed decisions.
  • Highly-motivated self-starter with strong work ethic and exceptional attention to detail.
  • Solution-based communication style with the ability to communicate professionally and effectively, verbally and in writing, with customers, vendors, third parties, and all levels of company staff.
  • Ability to maintain confidentiality and handle sensitive information with discretion.
  • Ability to multitask, stay organized, and prioritize tasks effectively to complete assigned duties and functions in a timely, accurate manner.
  • Experience in Microsoft Office Suite with the ability to learn financial services programs.

Preferred Qualifications:
  • Bachelor's degree in Business Administration, Management, Marketing, Finance, or a related field.
  • Experience in consumer lending or financial services and/or underwriting experience.

Hours of Work:
Monday through Friday. Saturday hours required seasonally and as business needs require. Work hours will depend on the business hours of the time zone serviced.
To the extent permitted by law, the Company may, in its sole discretion, change the work schedule to address business need.
Physical Demands:
While performing the duties of this job, the employee is frequently required to sit for extended periods; reach with hands and arms; and talk or hear. The employee is occasionally required to move about. The employee must occasionally lift and/or move up to twenty (20) pounds. Specific vision abilities required by this job include close vision and the ability to adjust focus.
EEO:
Mariner Finance is an Equal Opportunity Employer and does not discriminate on the basis of race, color, religion, creed, sex, gender, gender identity or expression, marital status, age, religion, national origin, sexual orientation, familial or caregiver status, citizenship status, status as a victim of domestic violence, medical condition, genetic information, pregnancy, physical or mental disability, or status as a disabled or Vietnam era veteran. Employee must be able to perform the essential duties/functions of the position satisfactorily and, if requested, reasonable accommodations will be made to enable employees with disabilities to perform the essential duties/functions of their job, absent undue hardship. Drug/Alcohol/Smoke-free workplace.
This job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee. Duties, responsibilities, and activities may change or new ones may be assigned at any time or without notice.
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