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Flood Insurance Underwriter Jobs (NOW HIRING)

F2 Finance

Underwriter / Loan Processor

Los Angeles, CA · On-site

$43K - $59K/yr

Order and review third party reports, including appraisals, title, flood, insurance, and background ... Underwriting support: * Spread borrower financials, build sources and uses, and prepare initial ...

Poppy Bank

Commercial Loan Processor

Santa Rosa, CA

$26.61 - $37.25/hr

... and Flood insurance * Work with Loan Officers, Brokers, Escrow Officers and Customers to address any issues and obtain required information and documentation satisfactory to bank underwriting

Poppy Bank

Commercial Loan Processor

Santa Rosa, CA · On-site

$26.61 - $37.25/hr

... and Flood insurance * Work with Loan Officers, Brokers, Escrow Officers and Customers to address any issues and obtain required information and documentation satisfactory to bank underwriting

Poppy Bank

Commercial Loan Processor

Santa Rosa, CA · On-site

$26.61 - $37.25/hr

... and Flood insurance * Work with Loan Officers, Brokers, Escrow Officers and Customers to address any issues and obtain required information and documentation satisfactory to bank underwriting

Merchants Bancorp

Underwriter - GSE

Carmel, IN · On-site

... flood certifications, preliminary title, etc. * Coordinate and manage communication with internal ... Merchants legal counsel; insurance consultant; borrower and any others that are pertinent to the ...

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Flood Insurance Underwriter information

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$33.5K

$66.8K

$152K

How much do flood insurance underwriter jobs pay per year?

As of Jun 10, 2026, the average yearly pay for flood insurance underwriter in the United States is $66,771.00, according to ZipRecruiter salary data. Most workers in this role earn between $48,500.00 and $67,500.00 per year, depending on experience, location, and employer.

What are some typical challenges Flood Insurance Underwriters face in their daily work?

Flood Insurance Underwriters often face the challenge of assessing complex and evolving flood risks, especially as climate patterns change and new data becomes available. They must keep current with regulations, interpret technical flood maps, and make informed decisions even when data is incomplete or ambiguous. Collaboration with agents, brokers, and risk assessors is common, requiring effective communication to clarify policy terms and risk exposures. Successfully navigating these challenges is key to providing accurate coverage and maintaining strong customer relationships.

What are the key skills and qualifications needed to thrive in the Flood Insurance Underwriter position, and why are they important?

To thrive as a Flood Insurance Underwriter, you need strong analytical abilities, a solid understanding of risk assessment, and a background in insurance or finance—often supported by a bachelor's degree. Familiarity with risk modeling software, GIS mapping tools, and regulatory systems such as FEMA's National Flood Insurance Program (NFIP) is highly valued, as are professional designations like CPCU. Exceptional attention to detail, strong organizational skills, and clear communication abilities help set top candidates apart. These competencies ensure accurate risk evaluation, regulatory compliance, and effective collaboration with clients and colleagues in a high-stakes, detail-oriented field.

What does a Flood Insurance Underwriter do?

A Flood Insurance Underwriter evaluates flood insurance applications to assess risk and determine coverage eligibility, premiums, and policy terms. They analyze factors such as flood zone classifications, property location, elevation certificates, and historical claims data. Underwriters ensure compliance with government regulations and insurance company guidelines while balancing risk management and customer needs. Their role helps protect homeowners and businesses against financial loss due to flooding.

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Flood Insurance Underwriter jobs near you

Underwriter / Loan Processor

F2 Finance

Los Angeles, CA • On-site

$43K - $59K/yr

Full-time

Medical

Posted 14 days ago

Job description

About F2 Finance
F2 Finance is a private real estate lender originating short-term, residential bridge loans across the United States. We are part of the Faes & Co group and are growing a high velocity, in office team in Santa Monica. We pride ourselves on disciplined underwriting, fast execution, and an analytical, evidence based approach to credit.
The role
This is a hands on role for someone who wants to learn private credit underwriting end to end, working files from initial intake through to closing, and supporting the broader credit and portfolio function.
You will own the mechanics of the file so that the credit lead can focus on credit judgment, structuring, and portfolio strategy. Over time, with demonstrated capability, the role offers a clear path into full underwriting authority.
Key responsibilities
File processing and closing coordination:
  • Manage the loan file from intake through closing: open the file, build the credit package, track conditions, and drive items to completion.
  • Order and review third party reports, including appraisals, title, flood, insurance, and background searches.
  • Coordinate with brokers, borrowers, title, escrow, and counsel to clear conditions on time.
  • Maintain clean, audit ready loan files and ensure documentation standards are met.

Underwriting support:
  • Spread borrower financials, build sources and uses, and prepare initial credit summaries for the credit lead.
  • Run preliminary checks on property values, comparables, and exit assumptions.
  • Draft term sheets and credit memos under the supervision of the credit lead.
  • Track exceptions and ensure policy compliance is documented on every file.

Portfolio and operational support:
  • Support the credit lead on portfolio matters, including pulling data, updating the loan tape, and preparing watchlist materials.
  • Assist with extensions, payoffs, and routine borrower correspondence as directed.
  • Identify process improvements that reduce time to close and improve file quality.

What good looks like in this role:
  • Files close on time, with clean documentation and no last-minute surprises.
  • The credit lead spends his time on credit judgment, not chasing conditions.
  • Brokers and borrowers describe working with you as easy, responsive, and professional.
  • You bring problems forward early with a proposed solution attached.

Requirements
  • Experience: 2 to 4 years in private lending, hard money, residential bridge lending, mortgage operations, loan processing, or real estate finance. Direct experience closing loans, not just observing the process, is strongly preferred.
  • Judgment: Comfortable owning a file end to end, raising issues early, and working under direct supervision while showing initiative on the mechanics.
  • Organization: Excellent tracking discipline across many simultaneous files, deadlines, and counterparties. Strong attention to detail.
  • Communication: Clear, professional written and verbal communication with brokers, borrowers, and vendors.
  • Tools: Comfortable in Google Sheets. Familiarity with loan origination systems is a plus. Comfortable working in a modern, AI assisted workflow (we run on Notion and a system we have built in-house called ATLAS).
  • Education: Bachelor's degree preferred, not required.

Benefits
  • 10 days paid holiday
  • medical insurance
  • parking in our building
  • snacks, good coffee and weekly office lunches

This is an in-office role based in our Santa Monica office. We have a collaborative, high-velocity culture, and we take pride in building a team that enjoys working together. We provide office lunch twice a week from local restaurants, and keep the office stocked with endless snacks and food for the team.

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