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Financial Underwriting Jobs (NOW HIRING)

Chubb

Underwriter, Financial Institutions

Chicago, IL · On-site

$85K - $130K/yr

This role involves managing a renewal book and generating new business, with a focus on underwriting Financial Institutions business for Package, Worker's Compensation, Auto, General Liability ...

Chubb

Underwriter, Financial Institutions

Manhattan, NY · On-site

$63K - $92K/yr

Understanding of insurance financial fundamentals; impact of underwriting decisions on company assets. Ability to understand credit risk. * Actuarial fundamentals. Ability to understand loss trends ...

Aflac

PLADS Group Underwriter III

Columbus, GA · On-site +1

$90K - $120K/yr

Bachelor's Degree In a related field * 4 years of financial underwriting experience with Group Life, STD, LTD and Leave products for employer groups exceeding 1,000 covered lives or 5 years of ...

Chubb

Underwriter, Financial Institutions

Manhattan, NY · On-site

$63K - $92K/yr

Understanding of insurance financial fundamentals; impact of underwriting decisions on company assets. Ability to understand credit risk. * Actuarial fundamentals. Ability to understand loss trends ...

Aflac, Incorporated

PLADS Group Underwriter III

$90K - $120K/yr

Bachelor's Degree In a related field * 4 years of financial underwriting experience with Group Life, STD, LTD and Leave products for employer groups exceeding 1,000 covered lives or 5 years of ...

Aflac Incorporated

PLADS Group Underwriter III

Shelton, CT · On-site +1

$90K - $120K/yr

Bachelor's Degree In a related field * 4 years of financial underwriting experience with Group Life, STD, LTD and Leave products for employer groups exceeding 1,000 covered lives or 5 years of ...

Colliers

Financial Analyst

Atlanta, GA · On-site

Analyze/underwrite financials and provide reports on a timely basis * Pull rent and sale comparables * Provide market analysis * Assist with the due diligence process and verify findings * Perform ...

Colliers

Financial Analyst

Atlanta, GA · On-site

Analyze/underwrite financials and provide reports on a timely basis * Pull rent and sale comparables * Provide market analysis * Assist with the due diligence process and verify findings * Perform ...

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How much do financial underwriting jobs pay per hour?

As of Jul 13, 2026, the average hourly pay for financial underwriting in the United States is $25.88, according to ZipRecruiter salary data. Most workers in this role earn between $22.60 and $26.20 per hour, depending on experience, location, and employer.

What do financial underwriters do?

Financial underwriters evaluate the risk of lending money or issuing insurance by analyzing applicants' financial information, credit reports, and supporting documents. They use specialized tools and guidelines to determine approval, denial, or terms of the financial products they review. Strong analytical skills and attention to detail are essential in this role.

Is underwriting a high paying career?

Financial underwriting can be a well-paying career, especially for experienced professionals or those working in specialized sectors like insurance or banking. Salaries vary based on location, experience, and certifications, with many underwriters earning competitive wages and opportunities for advancement.

What are some common challenges faced by professionals in financial underwriting and how can they be addressed?

Financial underwriters often encounter challenges such as tight deadlines, evaluating incomplete or complex financial data, and balancing risk with business growth objectives. Successfully addressing these challenges requires strong analytical skills, attention to detail, and effective communication with clients and internal stakeholders to clarify ambiguities. Staying updated on industry regulations and leveraging advanced underwriting software can also streamline processes and improve decision accuracy. Collaborative teamwork and continuous professional development are key to thriving in this role.

What is financial underwriting?

Financial underwriting is the process of evaluating the financial risks associated with providing insurance or loans to individuals or businesses. It involves assessing the applicant's financial stability, income, debts, and other relevant financial documents to determine their ability to meet financial obligations. This evaluation helps lenders or insurers decide whether to approve an application, set appropriate terms, or determine pricing. Financial underwriters play a crucial role in managing risk for financial institutions.

What is an underwriter in finance salary?

The salary of a financial underwriter typically ranges from $50,000 to $100,000 annually, depending on experience, location, and industry. Senior underwriters or those in specialized fields can earn higher salaries, often supplemented with bonuses and benefits. Strong analytical skills and industry certifications can influence earning potential.

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

To thrive as a Financial Underwriter, you need strong analytical skills, attention to detail, and a solid understanding of financial principles, often supported by a degree in finance, business, or a related field. Familiarity with underwriting software, risk assessment tools, and sometimes certifications like Chartered Property Casualty Underwriter (CPCU) are commonly required. Excellent decision-making, communication, and negotiation abilities help underwriters assess risk accurately and convey terms to clients and colleagues. These skills are crucial for evaluating risk, ensuring accurate assessments, and maintaining profitability and compliance for financial institutions.

What is the difference between Financial Underwriting vs Credit Analyst?

AspectFinancial UnderwritingCredit Analyst
Required CredentialsFinance or related degree, certifications like CFA or CPA often preferredFinance, accounting, or economics degree, similar certifications
Work EnvironmentBanking, insurance, or lending institutions; office settingBanking, financial services firms; office setting
Employer & Industry UsageUsed in loan approval, insurance underwriting, and risk assessmentUsed in assessing creditworthiness for loans, credit lines, and financial products

Financial Underwriting and Credit Analysts both evaluate financial data, but Financial Underwriting focuses on assessing risks for loans or insurance policies, while Credit Analysts primarily analyze creditworthiness of individuals or companies. Both roles require similar skills and credentials, often working within the same industries and environments.

More about Financial Underwriting jobs
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Financial Underwriting jobs near you
Infographic showing various Financial Underwriting job openings in the United States as of July 2026, with employment types broken down into 100% Full Time. Highlights an 50% In-person, and 50% Remote job distribution, with an average salary of $53,827 per year, or $25.9 per hour.
Financial Risks Reinsurance Underwriter

Financial Risks Reinsurance Underwriter

United Fire & Casualty Company

Remote

Full-time

Medical, Dental, Vision, Life, Retirement

Re-posted 9 days ago

Job description

UFG is hiring a Financial Lines Assumed Reinsurance Underwriter to underwrite and manage the financial lines reinsurance portfolio, with emphasis on mortgage, surety, and/or credit reinsurance treaties (candidate must bring deep expertise in at least two of these product areas). This role serves as the primary face of the company to brokers and cedents for the assigned portfolio, leading negotiations, structuring solutions, and driving profitable growth in line with UFG underwriting guidelines and risk appetite.
The Underwriter works closely with colleagues in actuarial, risk, claims, finance, and portfolio management to execute the business plan, and deliver sustainable returns. The position is fully remote within the United States, with the option to work from the company's home office as desired.
Essential Duties and Responsibilities:
  • Lead the end-to-end underwriting of assumed treaty reinsurance submissions for financial risks including exposure and experience analysis, treaty structuring, and pricing.
  • Act as primary point of contact with reinsurance brokers for the assigned portfolio, managing day-to-day relationships, developing new opportunities, and leading negotiations of terms, conditions, and pricing.
  • Evaluate portfolio performance, strategy, and underwriting discipline to assess fit with the company's risk appetite and capital allocation priorities.
  • Review, structure, and negotiate treaty contracts including wording, coverage terms, exclusions, and endorsements in collaboration with legal, actuarial, and operations teams.
  • Perform in-depth portfolio management, including monitoring accumulations, diversification, profitability, and key performance indicators for assigned treaties and overall segment.
  • Prepare and present underwriting analyses, and recommendations to Underwriting Committees,
  • Contribute to the annual business planning process for the Financial Risks treaty portfolio, including production, profitability, and exposure targets, and support the development and refinement of underwriting strategies.
  • Collaborate with actuarial/pricing teams, providing underwriting insight and cedent/broker intelligence to ensure models and pricing appropriately reflect risk characteristics and market conditions.
  • Support accurate booking and financial accounting of treaties by working closely with reinsurance accounting and operations on statements, bordereaux, and related reporting.
  • Represent the company at industry conferences, broker meetings, client visits, and market events in the US and internationally, promoting the company's brand and capabilities.
  • Maintain strong awareness of competitive landscape, rating agency perspectives, regulatory developments, and macroeconomic trends affecting financial risks, credit, political risk, surety, and mortgage markets.
  • Mentor junior underwriters or analysts as appropriate, sharing best practices and helping to build technical expertise within the team.\

Job Specifications:
Education:
  • Bachelor's degree in mathematics, Finance, Economics, Statistics, or related field.
  • Advanced degree (e.g., MBA, master's in finance/risk management) preferred.

Certifications/Designations:
  • Employees are expected to participate in continuing education throughout their careers.
  • Relevant designations in any of the following is preferred:
    • Associate in Reinsurance (ARe),
    • Chartered Property Casualty Underwriter (CPCU).

Experience:
  • Minimum 10 years of relevant insurance/reinsurance experience, including at least 5 years focused on treaty or portfolio-level reinsurance underwriting in financial risks lines or closely related specialty lines.
  • Proven track record managing a treaty portfolio, including monitoring performance, taking corrective action, and achieving profitability and growth targets.
  • Demonstrated experience leading broker and client negotiations and representing the company externally in a senior underwriting capacity.

Knowledge, skills & abilities:
  • Deep technical understanding of treaty reinsurance structures (quota share, surplus, excess of loss), underwriting methodologies, and pricing approaches for financial risk portfolios.
  • Strong knowledge of credit, political risk, surety, and/or mortgage insurance products and typical loss drivers of credit losses.
  • Solid grasp of portfolio management principles, including diversification, correlation, concentration, and ability to translate them into underwriting decisions.
  • Ability to analyze cedent financials, exposure data, and loss histories; interpret actuarial/pricing output; and make sound, independent underwriting judgments.
  • Excellent relationship-building and communication skills, with the ability to influence and negotiate effectively with brokers, cedents, and internal stakeholders.
  • Strong written and oral presentation skills; comfort presenting complex analyses to senior management and external partners.
  • High degree of self-motivation, accountability, and professional integrity; able to operate autonomously in a remote environment while collaborating effectively with colleagues in multiple locations.
  • Proficiency with underwriting and portfolio tools (e.g., Excel, pricing models, exposure management systems) and ability to work with large data sets.
  • Willingness and ability to travel domestically and internationally for broker/cedent meetings, conferences, and internal sessions, as needed.

Working Conditions:
  • Remote role based in the United States, with the option to work from the company's home office depending on candidate preference and business needs. Periodic travel to industry conferences, broker and client meetings, and internal strategy sessions; may include occasional international travel.
  • Role may involve extended hours around key renewal seasons, planning cycles, and major negotiations, consistent with senior treaty underwriting positions.

Pay Transparency Statement:
UFG Insurance is committed to fair and equitable compensation practices. The base salary range for this position is $120,000 - $150,000 annually, which represents the typical range for new hires in this role. Individual pay within this range will be determined based on a variety of factors, including relevant experience, education, certifications, skills, internal equity, geography and market data.
In addition to base salary, UFG Insurance offers a comprehensive total rewards package that includes:
  • Annual incentive compensation
  • Medical, dental, vision & life insurance
  • Accident, critical Illness & short-term disability insurance
  • Retirement plans with employer contributions
  • Generous time-off program
  • Programs designed to support the employee well-being and financial security.

This pay range disclosure is provided in accordance with applicable state and local pay transparency laws.
Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

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