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Frontline Underwriter Jobs (NOW HIRING)

$98K - $116K/yr

S. This role will work with the leadership team, deliver technical expertise, and serve as a point of contact for the frontline underwriting teams on all questions, key decisions, or referrals. The ...

Experience * 3+ years of relevant industry experience required. * 3+ years securitization experience required. * 3+ years of recent frontline (manual and automated) underwriting experience with ...

Consumer Loan Underwriter

Irving, TX · On-site

$28.50 - $33.50/hr

Communicates to frontline staff the need to obtain additional loan information and documentation ... Consumer Lending Underwriter functions are efficiently, effectively, and accurately performed in ...

Consumer Loan Underwriter

Irving, TX · On-site

$28.50 - $33.50/hr

Communicates to frontline staff the need to obtain additional loan information and documentation ... Consumer Lending Underwriter functions are efficiently, effectively, and accurately performed in ...

Quality Control Analyst II

$24.50 - $33/hr

Manual Frontline Underwriting experience is required to perform this job. Qualifications: * College Degree or equivalent work-related experience, and High School Diploma or equivalency required * At ...

Quality Control Analyst II

$24.50 - $33/hr

Manual Frontline Underwriting experience is required to perform this job. Qualifications: * College Degree or equivalent work-related experience, and High School Diploma or equivalency required * At ...

Field Adjuster

Lake Mary, FL · On-site

$56K - $75K/yr

At Frontline Insurance, we are on a mission to Make Things Better, and our Field Adjuster plays a ... If you're looking for a role, as a Territory Personal Lines Underwriter, where you can make a ...

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Frontline Underwriter information

See salary details

$32.5K

$78.9K

$139.5K

How much do frontline underwriter jobs pay per year?

As of Aug 7, 2026, the average yearly pay for frontline 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.

What is a frontline underwriter?

Frontline Underwriters are professionals responsible for evaluating and assessing loan applications, typically in the mortgage or insurance industries. They review documentation, analyze financial information, and determine the risk level associated with granting a loan or insurance policy. Their decisions help ensure that lending institutions or insurance companies minimize risk and comply with regulations. Frontline Underwriters often communicate directly with loan officers, agents, and applicants to gather additional information and clarify details. Their expertise is crucial in making informed decisions and protecting the financial interests of their organizations.

How does a frontline underwriter typically collaborate with loan officers and other departments during the mortgage approval process?

A Frontline Underwriter works closely with loan officers, processors, and sometimes directly with applicants to review and verify documentation supporting a mortgage application. They frequently communicate with these team members to clarify borrower information, resolve discrepancies, and ensure compliance with lending guidelines. Collaboration is essential to streamline the approval process, manage documentation flow efficiently, and address any issues that could delay loan closings. This team-based approach helps maintain high accuracy and customer satisfaction throughout the underwriting process.

What is the difference between Frontline Underwriter vs Underwriting Assistant?

AspectFrontline UnderwriterUnderwriting Assistant
CredentialsTypically requires a relevant insurance or finance certification, bachelor's degreeOften requires a high school diploma or associate degree, some insurance knowledge
Work EnvironmentPerforms risk assessment, decision-making, interacts with brokers and clientsSupports underwriters, handles administrative tasks, data entry
Industry UsageCommonly employed in insurance companies, underwriting firmsFound in similar settings, assisting underwriting teams

The Frontline Underwriter actively assesses risks and makes underwriting decisions, while the Underwriting Assistant provides administrative support to underwriting teams. Both roles are essential in the insurance industry, but the Frontline Underwriter has more decision-making responsibilities and requires specific certifications.

What are the key skills and qualifications needed to thrive as a frontline underwriter?

To thrive as a Frontline Underwriter, you need a solid understanding of risk assessment, financial analysis, and relevant underwriting guidelines, often backed by a degree in finance, business, or a related field. Familiarity with underwriting software, loan origination systems, and sometimes certifications like Certified Mortgage Underwriter (CMU) are typically required. Attention to detail, critical thinking, and effective communication are vital soft skills for assessing applications and collaborating with loan officers. These skills ensure accurate risk evaluation, regulatory compliance, and timely decision-making in the fast-paced mortgage and insurance industries.
More about Frontline Underwriter jobs
Infographic showing various Frontline Underwriter job openings in the United States as of August 2026, with employment types broken down into 74% Full Time, 25% Part Time, and 1% Contract. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Senior Underwriting Officer, Construction

Liberty Mutual

$98K - $116K/yr

Full-time

Re-posted 10 days ago


Liberty Mutual rating

8.9

Company rating: 8.9 out of 10

Based on 148 frontline employees who took The Breakroom Quiz

48th of 303 rated insurance


Job description

Description

This role works with the largest and most complex Construction risks to deliver Primary Casualty (WC, GL, Auto) for annual practice and wrap-up programs to these highly valued customers and prospects. This specific role will focus on our Large Construction portfolio, which serves many of the largest contractors in the U.S. This role will work with the leadership team, deliver technical expertise, and serve as a point of contact for the frontline underwriting teams on all questions, key decisions, or referrals. The role will also be involved in developing and implementing portfolio strategies to maintain and improve performance.

Job Responsibilities:

  • Provides expert technical underwriting assistance and formal referral approval for multiple lines of business (auto, general liability, workers' compensation, and lead/excess) in Large Construction. Interacts independently with field underwriters and directly with UW managers on all mandatory referral cases and voluntary consultation items.
  • Ensures continuity and alignment between Primary Casualty and Excess (as applicable) placements. Supports leadership on transactions and serves as a trusted advisor on exposure, coverage analysis, and key pricing/financial elements within their authority.
  • Monitors frameworks for underwriting decisions (e.g., referrals, technical reviews) and recommends improvements, as needed. Evaluates portfolio performance regularly in Large Construction, working with Underwriting Leaders to identify drivers of performance, risks, and opportunities. 
  • Drives UW technical excellence across Large Construction, working with Underwriting Leaders to identify and resolve issues.
  • Works with underwriting leaders to identify product and service enhancements and underwriter capability development opportunities (e.g., skills, tools) and coordinates improvements/resources.
  • Models' effective collaboration within/across teams, stakeholders and partners (e.g., UW Support, Claims, Actuarial, NA Product Teams).
Qualifications
  • Expert-level knowledge of all aspects of coverage forms, exclusions, and exposure.
  • Pricing, structure, rating, rating plans, loss forecasting, credit risk, market knowledge, preferred. 
  • Advanced knowledge of and experience operating within several different industry segments - experience with and knowledge of Construction programs key; insurance operations; claims, finance and actuarial concepts; regulatory environment; loss control/risk engineering; reinsurance; account management; product development; and industry trends. 
  • Must be a skilled collaborator who is willing to assess all sides of an issue, bring in others with expertise, and independently execute and advance the collaboration model. 
  • Other professional skills required include: superior communication skills (written, verbal, presentation, listening); approachability; tact; coaching/development; analyzing and problem solving; relationship and service driven; clear solutions orientation and commitment to achieving segment operational and financial objectives; negotiation skills; and demonstrated ability to consistently and positively influence others both internally and externally (brokers/customers) as required.
  • As normally acquired through a related bachelor's degree, 10 or more years of relevant experience that includes underwriting, claims, reinsurance, coaching/developing others, working with brokers/agents and current with market trends and developments.
About Us

Pay Philosophy: The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role.At Liberty Mutual, our goal is to create a workplace where everyone feels valued, supported, and can thrive. We build an environment that welcomes a wide range of perspectives and experiences, with inclusion embedded in every aspect of our culture and reflected in everyday interactions. This comes to life through comprehensive benefits, workplace flexibility, professional development opportunities, and a host of opportunities provided through our Employee Resource Groups. Each employee plays a role in creating our inclusive culture, which supports every individual to do their best work. Together, we cultivate a community where everyone can make a meaningful impact for our business, our customers, and the communities we serve.We value your hard work, integrity and commitment to make things better, and we put people first by offering you benefits that support your life and well-being. To learn more about our benefit offerings please visit: https://www.libertymutualgroup.com/about-lm/careers/benefitsLiberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law.Fair Chance Notices

  • California
  • Los Angeles Incorporated
  • Los Angeles Unincorporated
  • Philadelphia
  • San Francisco
Employment Type: FULL_TIME

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About Liberty Mutual

Sourced by ZipRecruiter

Since 1912, we've grown into the fifth largest global property and casualty insurer based on 2022 gross written premium. We also rank 86 on the Fortune 100 list of largest corporations in the US based on 2022 revenue. ​At Liberty Mutual Insurance we work hard every day to support our customers and our people, so they can protect their families, build their businesses and invest in their futures. We are headquartered in Boston, but our people, our customers and our reach span the globe. So to better serve our global customers and employees, we are organized into three business units.

Industry

Insurance services

Company size

10,000+ Employees

Headquarters location

Boston, MA, US

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