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Commercial Underwriter Jobs (NOW HIRING)

Shore United Bank

Commercial Underwriter

Easton, MD

$33.75 - $43/hr

The Commercial Underwriter II will play a key role in evaluating and structuring commercial lending opportunities by underwriting loans of moderate complexity and supporting the broader credit ...

SageSure

Commercial Underwriter

Tampa, FL · On-site

SageSure, a leader in catastrophe-exposed property insurance, is seeking a Commercial Underwriter will be responsible for analyzing property risk exposures and make data-driven decisions to select ...

Shore United Bank

Commercial Underwriter

Fredericksburg, VA · On-site

$81K - $110K/yr

The Commercial Underwriter will play a key role in evaluating and structuring commercial lending opportunities by underwriting moderately complex to complex loans while supporting the broader credit ...

SageSure

Commercial Underwriter

Tampa, FL · Hybrid

SageSure, a leader in catastrophe-exposed property insurance, is seeking a Commercial Underwriter will be responsible for analyzing property risk exposures and make data-driven decisions to select ...

Shore United Bank

Commercial Underwriter

Easton, MD · On-site

The Commercial Underwriter will play a key role in evaluating and structuring commercial lending opportunities by underwriting moderately complex to complex loans while supporting the broader credit ...

SageSure

Commercial Underwriter

Cheshire, CT · On-site

SageSure, a leader in catastrophe-exposed property insurance, is seeking a Commercial Underwriter who is analytically minded, hands-on and a self-starter who has a deep understanding of commercial ...

Shore United Bank

Commercial Underwriter

Easton, MD

$81K - $110K/yr

The Commercial Underwriter will play a key role in evaluating and structuring commercial lending opportunities by underwriting moderately complex to complex loans while supporting the broader credit ...

Shore United Bank

Commercial Underwriter

Easton, MD · On-site

$33.75 - $43/hr

The Commercial Underwriter II will play a key role in evaluating and structuring commercial lending opportunities by underwriting loans of moderate complexity and supporting the broader credit ...

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Commercial Underwriter information

See salary details

$35.5K

$70.3K

$110.5K

How much do commercial underwriter jobs pay per year?

As of Aug 17, 2026, the average yearly pay for commercial underwriter in the United States is $70,317.00, according to ZipRecruiter salary data. Most workers in this role earn between $50,000.00 and $83,000.00 per year, depending on experience, location, and employer.

What does a commercial underwriter do?

A Commercial Underwriter evaluates and analyzes the risks involved in insuring businesses and organizations. They review applications, financial statements, and other relevant information to determine whether to provide insurance coverage and at what terms. Their main goal is to ensure the insurance company maintains profitability by only approving policies that meet their risk criteria. They often work closely with insurance brokers and agents to clarify policy terms and negotiate premiums. Commercial Underwriters also monitor market trends and adjust underwriting guidelines as needed.

What are the key skills and qualifications needed to thrive as a commercial underwriter, and why are they important?

To thrive as a Commercial Underwriter, you need strong analytical skills, attention to detail, and a solid understanding of risk assessment, usually supported by a degree in finance, business, or a related field. Familiarity with underwriting software, risk modeling tools, and relevant industry certifications such as CPCU or AU are highly valuable. Excellent communication, negotiation, and decision-making skills help you collaborate with clients and internal teams effectively. These abilities are crucial for accurately evaluating risk, making sound underwriting decisions, and supporting the financial health of the organization.

What are some common challenges faced by commercial underwriters, and how can they be managed effectively?

Commercial Underwriters often encounter challenges such as assessing complex risks, managing tight deadlines, and balancing the needs of clients with company policies. To manage these effectively, underwriters rely on strong analytical skills, clear communication with brokers and clients, and ongoing collaboration with their team for second opinions or guidance on unusual cases. Staying updated on industry trends and regulatory changes also helps ensure sound decision-making and minimizes risk exposure for their organization.

What is the difference between Commercial Underwriter vs Business Loan Underwriter?

AspectCommercial UnderwriterBusiness Loan Underwriter
CredentialsTypically requires a bachelor's degree in finance, economics, or related field; certifications like CPCU or ARM are commonSimilar credentials; often holds finance or banking degrees and relevant certifications
Work EnvironmentWorks in insurance companies, assessing commercial insurance applicationsWorks in banks or lending institutions, evaluating business loan applications
Industry UsagePrimarily in insurance industryPrimarily in banking and financial services
Comparison Search IntentOften compared for risk assessment and underwriting processes in commercial financeCompared when evaluating business creditworthiness and loan approval processes

While both roles involve assessing financial risk, Commercial Underwriters focus on insurance policies for businesses, whereas Business Loan Underwriters evaluate the creditworthiness of businesses applying for loans. Both require similar credentials and work in related industries, but their primary responsibilities and environments differ.

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Commercial Underwriter jobs near you
Infographic showing various Commercial Underwriter job openings in the United States as of August 2026, with employment types broken down into 93% Full Time, 5% Part Time, and 2% Contract. Highlights an 91% Physical, 3% Hybrid, and 6% Remote job distribution, with an average salary of $70,317 per year, or $33.8 per hour.

Commercial Underwriter

Shore United Bank

Easton, MD

$33.75 - $43/hr

Full-time

Re-posted 8 days ago

Job description

Shore United Bank is seeking a full-time Commercial Underwriter II to join our team. The Commercial Underwriter II will play a key role in evaluating and structuring commercial lending opportunities by underwriting loans of moderate complexity and supporting the broader credit analysis function. In this role, you'll collaborate cross-functionally, analyze financial data to inform sound credit decisions, and help drive portfolio quality and growth. You'll operate in a dynamic environment where attention to detail, responsiveness, and strong communication are essential, ensuring timely insights, well-documented analysis, and adherence to regulatory and internal policies.

Essential Functions Include:

  • Identifies and responds to opportunities to communicate affiliates products and services to promote the image of the affiliate and promote Shore Bancshares' community of companies' products and services to potential customers and referring those customers to the proper personnel.
  • Achieves goals assigned to the Commercial Underwriter as part of the assigned department's annual operating plan.
  • Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of harassment and other forms of illegal discriminatory behavior in the workplace.
  • Coordinates specific work tasks with other personnel within the department as well as with other departments to ensure the smooth and efficient flow of information.
  • Communicates with management and staff personnel in order to integrate goals and activities.
  • Responds to inquiries relating to his/her particular area, or to requests from other bank personnel, customers, etc., within given time frames and within established policy.
  • Maintains appropriate records and provides assigned reports.
  • Performs tasks which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual circumstances.

Location: Shore Bancshares Headquarters: 28969 Information Lane, Easton, MD 21601

Position Type/Expected Hours of Work:

  • Full-time.
  • Non-exempt.
  • Days of Work: Monday-Friday. 

Required Education and Experience:

  • High school diploma/GED equivalent.
  • A B.S. or B.A. degree in a related field of study preferred, or a minimum of two-years related experience and specialized financial analysis training.
  • Minimum of 1 year experience in a credit underwriting or credit analyst role
  • Proficient ability to analyze and interpret financial statements and draw conclusions based on common-sized and trend analyses
  • Ability to spread and analyze business and personal tax returns
  • Ability to identify source of repayment and perform collateral analysis
  • Intermediate knowledge of current lending and loan review regulations and banking regulations, procedures, and operations

Compensation:

  • The pay range for this position is $33.75 to $43.00 hourly.
  • Actual compensation offered may vary from the posted hiring range based on factors such as relevant experience, time in role, base salary of internal peers, prior performance, business sector, licensure requirements and/or skill level, and will be finalized at the time of offer.

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