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Delegated Underwriter Jobs (NOW HIRING)

Venbrook

Underwriter

New York, NY · On-site +1

The Excess Liability Insurance Underwriter evaluates, selects, and prices excess and surplus (E&S) casualty risks within delegated underwriting authority. This is a technical carrier underwriting ...

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 ...

Seacoast Bank

Mortgage Loan Underwriter

Miami, 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.

Ryan Specialty

Senior Executive Underwriter

Atlanta, GA

$94K - $112K/yr

Experience developing new business opportunities and managing a profitable book of business within delegated underwriting authority. * Strong analytical, relationship management, communication, and ...

New

Ryan Specialty

Senior Executive Underwriter

New York, NY · On-site

$107K - $127K/yr

Experience developing new business opportunities and managing a profitable book of business within delegated underwriting authority. * Strong analytical, relationship management, communication, and ...

New

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.

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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 14, 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.

Is it hard to get a job in delegated underwriter?

Becoming a delegated underwriter can be competitive, as it requires relevant experience in underwriting, strong analytical skills, and knowledge of insurance or lending guidelines. Candidates often need industry certifications and a solid understanding of risk assessment to improve their chances of securing the role.

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 is a delegated underwriter?

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.
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What job categories do people searching Delegated Underwriter jobs look for?

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Delegated Underwriter jobs near you
Infographic showing various Delegated Underwriter job openings in the United States as of August 2026, with employment types broken down into 3% As Needed, 78% Full Time, 18% Part Time, and 1% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Non-Delegated Underwriter Vice President, Residential Credit

Annaly Capital Management, Inc.

Irving, TX • On-site, Remote

Full-time

Posted 2 days ago

New

Job description

About Us

Annaly Capital Management, Inc. (“Annaly” or, together with its wholly-owned subsidiaries, the “Company”), is a publicly traded real estate investment trust (REIT) with investment strategies across mortgage finance.  Its common stock is listed on the New York Stock Exchange under the symbol “NLY”. Annaly’s wholly-owned subsidiaries include several regulated and licensed entities, including Annaly Credit Opportunities Management LLC, an SEC registered investment adviser (“ACOM”), Arcola Securities, Inc., a FINRA member broker-dealer (“Arcola”) and, Onslow Bay Financial LLC, a mortgage aggregator and master servicer (“Onslow Bay”). The Company is headquartered in New York, NY with an additional office in the Dallas-Fort-Worth Metropolitan Area.

About This Role

Annaly is seeking a Non-QM Mortgage Underwriter Vice President with significant Non-QM experience to join the Residential Credit team in Dallas, TX (or Remote).  This candidate will focus on our Non-Delegated mortgage channel, managing our vendors and communicating with our vast network of sellers.

The ideal candidate will have 8+ years of relevant credit experience in Non-QM underwriting and/or scenario desk experience.  In addition, they should have the ability to make credit decisions/help assist the Onslow Bay contract underwriters, closely interact with our correspondent partners and monitor market underwriting guidelines.

Essential Responsibilities    

  • Serve as the primary liaison between Onslow Bay and third-party diligence providers
  • Review diligence findings for completeness, accuracy, and consistency
  • Resolve escalated conditions, credit exceptions, and guideline interpretation questions
  • Perform manual underwriting reviews and render credit decisions on Non-QM loan products, including Bank Statement, DSCR, Asset Utilization, Full Documentation, P&L, Etc.
  • Analyze borrower income, assets, credit, collateral and overall ability-to-repay
  • Identify layered risk and provide appropriate mitigating factors and justification
  • Issue final approval and Clear-to-Close decisions
  • Prioritize and manage high-priority and rush loan requests
  • Build strong relationships with sellers and provide excellent customer service and communication
  • Thorough understanding of condominium complex reviews with the ability to review condo questionnaires, financials, inspections, and various non-warrantable features ultimately to ascertain the level of risk for purchase.
Qualifications/Requirements

Basic Qualifications:

  • 8+ years of relevant credit experience in Non-QM
  • Bachelor’s Degree preferred
  • Mortgage Loan Originator (MLO) license preferred
  • Preference given to candidates that have a NY State MLO License

 Desired Characteristics:

  • Ability to manage multiple projects at a time and prioritize accordingly
  • Ability to effectively communicate, both written and verbally, with Senior Management regarding the progress and results of projects and initiatives
  • Ability to underwrite Non-QM and Non-Agency loan products, including but not limited to Bank Statement Income Analysis, Asset Depletion, P&L, DSCR, Foreign National and Self-Employment
  • Ability to work effectively under time constraints

 Eligibility Requirements:

  • Must be willing to submit to a background investigation
  • Must have unrestricted work authorization to work in the United States
  • Preference given to candidates with strong Condominium background
  • Preference given to candidates able to work in Dallas, TX (on-site three (3) days)
  • Remote work eligibility will be evaluated on a case-by-case basis

Annaly is committed to equal employment opportunity and providing reasonable accommodations to qualified candidates and employees pursuant to applicable law.  We value and encourage diversity and solicit applications from all qualified applicants without regard to race, color, gender, sex, age, religion, creed, national origin, ancestry, citizenship, marital status, sexual orientation, physical or mental disability, medical condition, military and veteran status, gender identity or expression, genetic information, or any other characteristic protected by federal, state, or local law. If you require reasonable accommodation as part of the application process, please contact our Human Resources department.

To learn more about Annaly Capital Management, Inc. please visit https://www.annaly.com | LinkedIn: www.linkedin.com/company/annaly-capital-management

To learn more about and Onslow Bay Financial, Inc., please visit https://www.onslowbayfinancial.com | LinkedIn: www.linkedin.com/company/onslow-bay-financial

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