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Delegated Underwriter Jobs (NOW HIRING)

Ascot Group

Underwriter, E&S Casualty

Atlanta, GA · On-site

Work independently within delegated underwriting authority and make referrals as required. * Cultivate and maintain relationships with peers, leaders and internal partners across functional areas to ...

Ascot Group

Underwriter, E&S Casualty

Phoenix, AZ · On-site

$115K - $145K/yr

Work independently within delegated underwriting authority and make referrals as required. * Cultivate and maintain relationships with peers, leaders and internal partners across functional areas to ...

Seacoast Bank

Mortgage Loan Underwriter

Miami, FL

Exercise delegated underwriting authority within approved limits; escalate or present loans exceeding authority or containing exceptions to Senior Management or Credit Committee as required.

Seacoast Bank

Mortgage Loan Underwriter

Miami, FL

Exercise delegated underwriting authority within approved limits; escalate or present loans exceeding authority or containing exceptions to Senior Management or Credit Committee as required.

Seacoast Bank

Mortgage Loan Underwriter

Tampa, FL

Exercise delegated underwriting authority within approved limits; escalate or present loans exceeding authority or containing exceptions to Senior Management or Credit Committee as required.

Seacoast Bank

Mortgage Loan Underwriter

Stuart, FL · On-site

Exercise delegated underwriting authority within approved limits; escalate or present loans exceeding authority or containing exceptions to Senior Management or Credit Committee as required.

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Delegated Underwriter information

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$32.5K

$78.9K

$139.5K

How much do delegated underwriter jobs pay per year?

As of Aug 2, 2026, the average yearly pay for delegated underwriter in the United States is $78,878.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $87,000.00 per year, depending on experience, location, and employer.

How does a Delegated Underwriter typically collaborate with brokers and other underwriting teams?

Delegated Underwriters frequently work with brokers to assess risks, clarify policy parameters, and ensure accurate documentation for delegated authority schemes. They coordinate closely with senior underwriters and compliance teams to maintain underwriting standards and manage risk exposure. Regular communication and feedback loops are essential to resolve queries and maintain strong relationships, which ultimately support both business growth and regulatory compliance.

What is the difference between Delegated Underwriter vs Underwriting Analyst?

AspectDelegated UnderwriterUnderwriting Analyst
CredentialsTypically requires insurance licenses, underwriting experience, and sometimes certifications like CPCUUsually holds a degree in finance, economics, or related fields; may have certifications like CPCU or ARM
Work EnvironmentWorks closely with agents, brokers, and underwriters, often in regional or branch officesPrimarily in office settings, analyzing data and preparing reports for underwriting decisions
Employer & Industry UsageCommon in insurance companies, especially in delegated authority programsFound across insurance firms, focusing on risk assessment and data analysis

While both roles are involved in the underwriting process, a Delegated Underwriter has authority to make binding decisions within delegated limits, often working directly with agents. An Underwriting Analyst supports the process through data analysis and risk assessment, typically without authority to bind coverage. Understanding these differences helps clarify career paths and job expectations in the insurance industry.

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

To thrive as a Delegated Underwriter, you need strong analytical skills, attention to detail, and a solid understanding of insurance principles, typically supported by relevant industry certifications or experience. Familiarity with underwriting software, risk assessment tools, and compliance systems is essential for evaluating and processing delegated authority business. Excellent communication, negotiation, and decision-making abilities help you manage relationships with brokers and ensure clear documentation. These skills are crucial for accurately assessing risk, maintaining regulatory compliance, and supporting profitable business growth.

What are delegated underwriters?

Delegated underwriters are professionals or organizations that have been granted the authority by an insurance company or lender to assess and approve insurance policies or loan applications on their behalf. This delegation allows for faster decision-making, as the underwriter can process applications without sending every case to the main company for approval. Delegated underwriters must follow strict guidelines and criteria set by the insurer or lender and are regularly audited to ensure compliance. This role is common in mortgage lending and specialty insurance lines, where efficiency and expertise are highly valued.
More about Delegated Underwriter jobs
What job categories do people searching Delegated Underwriter jobs look for? The top searched job categories for Delegated Underwriter jobs are:
Delegated Underwriter jobs near you
Infographic showing various Delegated Underwriter job openings in the United States as of July 2026, with employment types broken down into 2% As Needed, 78% Full Time, 19% Part Time, and 1% Contract. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Delegated Business Pricing Actuary - Delegated Portfolio

MSIG Holdings USA, Inc.

Chicago, IL • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 13 days ago

Job description

MSIG USA continues to grow!

Company Overview:

MSIG USA is the US-based subsidiary ofMS&AD Insurance Group Holdings, Inc., one of the world's top P&C carriers and a global Class 15 insurer, with A+ ratings and a reach that spans 40+ countries and regions. Leveraging our 350-year heritage, MSIG USA brings the financial strength, expertise, and global footprint to offer commercial insurance solutions that address your business's unique risks.

Location:

New York City, Warren NJ, Philadelphia PA Metro, Chicago IL (Hybrid)

Position Overview:

MSIG USA is a quickly growing, an A+ insurance carrier that specializes in Casualty, Property, Marine, Cyber, Financial Lines, and Credit insurance. Delegated Authority business is one of our fastest growing segments.

We are seeking an experienced actuary to lead pricing and portfolio underwriting initiatives for delegated authority programs and specialty commercial lines. This role combines technical actuarial expertise with strategic business partnership to ensure competitive yet profitable pricing across our P&C portfolio.

Key Responsibilities:

Pricing Strategy & Model Development:

  • Evaluate existing and new programs using actuarial techniques to assess portfolio profitability, performing deep dives into detailed segmentation
  • Drive innovation by designing, programming, and maintaining essential tools for pricing and portfolio monitoring.
  • Conduct structural analysis and provide actionable recommendations based on pricing insights to optimize program performance.
  • Recommend changes to program structure, including share, attachment point, terms, and commission structure

New program due diligence: New and renewal relationships

  • Collaborate with our Delegated Underwriting team to identify new Delegated Managing General Agent/ Underwriter (MGA/MGU) relationships
  • Assess MGA/U books of business and management team for pricing, claims handling, financial, operational, and technology quality, including the MGA/U's insurance product's value proposition and market fit
  • Conduct actuarial modelling to recommend appropriate sliding scale commission structures, and accruals/ payments based on contract term
  • As needed, support due diligence projects for MGA/U mergers and acquisition (M&A) activity and/or divestment

Portfolio Monitoring & Insights:

  • Track portfolio rate changes, pricing adequacy, and shifts in underwriting mix for new and renewal business, providing insights to guide Program Managers in making informed decisions.

Data and Technology

  • Lead data business requirements and testing for actuarial related analyses for our new data lake
  • Evolve bordereaux ingestion approaches and technology to modernize data capture, tracking and analysis. Become MSIG USA's business domain leader on delegated premium, exposure, and loss data use to support the business unit.
  • Drive automation of existing and new analyses into model updates, analytics, and dashboards

Collaboration & Leadership:

  • Partner with underwriting, product development, and program managers to guide pricing decisions.
  • Provide trusted council and advice to Delegated Underwriting Leadership on difficult Go/No-Go decisions, as well as to the CFO on financial accruals and peg loss ratios
  • Act as a liaison with Program Managers, supporting negotiations on terms and structures by leveraging pricing analysis and strategic insights.
  • Mentor junior team members within Actuarial, the Delegated Authority business unit, and business partners in Finance, Claims, Underwriting, and Technology
  • Present findings and recommendations to senior leadership.
  • Bring your A game every day

Qualifications:

  • ACAS or FCAS designation (or near completion).
  • 5-10+ years of P&C actuarial experience, including program or specialty lines pricing.
  • Strong proficiency in actuarial software and programming (Python, R, SQL, VBA preferred).
  • Experience with delegated authority programs and MGA pricing models is a plus.
  • Excellent communication skills and ability to influence cross-functional teams.

Competitive Compensation Package includes:

Competitive salary commensurate with experience along with a performance-based bonus.

SALARY: The estimated salary range for this position is $150,000-$200,000 per year. This is a good-faith assessment of the salary range for this position only. In determining the actual salary within this range, MSIG USA will consider a candidate's relevant experience, location, and other job-related factors.

Additional Benefits:

Healthcare and Retirement Benefits

  • Comprehensive medical, dental, and vision coverage

  • 401(k) with a generous employer match and profit-sharing contribution

  • Wellness incentive program

  • Life and accidental death and dismemberment (AD&D) insurance

  • Flexible spending programs

  • Short-term and long-term disability plans

Additional Benefit Programs

  • Paid time off program

  • Paid charitable leave

  • Paid parental leave

  • Tuition reimbursement program

  • Personal insurance (auto/homeowners) discounts

It's an exciting time for our company and a great opportunity to join a financially sound and growing global insurance group!


It is the policy of MSIG USA to provide equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state or local law. In addition, MSIG USA will provide reasonable accommodations for qualified individuals with disabilities.

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