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Insurance Underwriter Jobs in Iowa (NOW HIRING)

SNB

SNB Career Opportunity

Sioux City, IA

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Insurance Underwriter information

See Iowa salary details

$26.3K

$58.5K

$98.6K

How much do insurance underwriter jobs pay per year?

As of Aug 11, 2026, the average yearly pay for insurance underwriter in Iowa is $58,500.00, according to ZipRecruiter salary data. Most workers in this role earn between $41,300.00 and $78,400.00 per year, depending on experience, location, and employer.

What does an insurance underwriter do?

An insurance underwriter evaluates applications for insurance coverage and determines the level of risk involved in insuring a person or asset. They review information such as application forms, medical records, and financial documents to decide whether to offer insurance and at what premium rate. Underwriters play a crucial role in helping insurance companies set appropriate coverage terms and minimize potential losses. Their work ensures that the company remains profitable while providing fair and accurate coverage to clients.

What are some common challenges insurance underwriters face in balancing risk and customer satisfaction?

Insurance underwriters often face the challenge of assessing risks accurately while maintaining competitive offerings that satisfy clients. Striking the right balance can be difficult, as being too cautious may result in lost business, while being overly lenient can lead to unprofitable claims. Underwriters must stay current with industry trends, regulations, and risk assessment tools, and they frequently collaborate with agents and actuaries to ensure sound decisions. Effective communication and analytical skills are essential to navigate these competing demands and to help build long-term client relationships.

What are the key skills and qualifications needed to thrive as an insurance underwriter?

To thrive as an Insurance Underwriter, you need strong analytical skills, attention to detail, and a solid understanding of finance and risk assessment, often supported by a bachelor's degree in business, finance, or related fields. Familiarity with underwriting software, risk management systems, and relevant certifications like Chartered Property Casualty Underwriter (CPCU) is typically required. Excellent communication, decision-making, and negotiation skills help underwriters explain policies and collaborate effectively with agents and clients. These skills are vital for accurately assessing risk, ensuring profitability, and maintaining strong client relationships in the insurance industry.

What is an insurance underwriter?

Insurance underwriters evaluate insurance policy applications, assess the risk, and make recommendations for coverage and premium pricing to insurance issuers. As an insurance underwriter, you use computer software and specific criteria to assess risk and establish pricing and research other factors such as market trends and equity values to provide data to support your recommendations. You determine if the policy will likely be a good financial investment for the insurance provider.

What qualifications do I need for insurance underwriting?

Insurance underwriters typically need a bachelor's degree in fields such as finance, economics, or business. Relevant skills include strong analytical abilities, attention to detail, and knowledge of insurance policies and risk assessment. Professional certifications like the Chartered Property Casualty Underwriter (CPCU) can enhance job prospects.

What is the difference between Insurance Underwriter vs Claims Adjuster?

AspectInsurance UnderwriterClaims Adjuster
Primary RoleAssess risk and determine policy termsEvaluate insurance claims and determine payouts
Required CredentialsTypically requires a bachelor's degree; certifications like CPCU are commonOften requires a bachelor's degree; certifications like AIC or CPCU are beneficial
Work EnvironmentOffice-based, analyzing data and risk factorsField and office-based, investigating claims and interviewing claimants
Industry UsageUsed across insurance companies for policy issuanceUsed for claims processing and settlement

Both roles are integral to the insurance industry, with underwriters focusing on risk assessment before policy issuance, and claims adjusters handling claims after a loss occurs. While their work environments and responsibilities differ, they often require similar credentials and certifications, making them closely related career paths within insurance companies.

More about Insurance Underwriter jobs
What are the most commonly searched types of Insurance Underwriter jobs in Iowa? The most popular types of Insurance Underwriter jobs in Iowa are:
What are popular job titles related to Insurance Underwriter jobs in Iowa? For Insurance Underwriter jobs in Iowa, the most frequently searched job titles are:
What job categories do people searching Insurance Underwriter jobs in Iowa look for? The top searched job categories for Insurance Underwriter jobs in Iowa are:
What cities in Iowa are hiring for Insurance Underwriter jobs? Cities in Iowa with the most Insurance Underwriter job openings:
What are popular job titles related to Insurance Underwriter jobs in IA? For Insurance Underwriter jobs in IA, the most frequently searched job titles are:
Insurance Underwriter jobs near you
Infographic showing various Insurance Underwriter job openings in Iowa as of August 2026, with employment types broken down into 1% As Needed, 73% Full Time, 22% Part Time, and 4% Contract. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $58,500 per year, or $28.1 per hour.

Lead Credit Underwriter (Tuesday-Saturday Evenings)

Watercress Financial Group LLC

West Des Moines, IA • On-site

$35 - $40/hr

Full-time

Posted 28 days ago

Job description

Description:

We are seeking an experienced individual to join our dynamic team within the home improvement financing sector as a Lead Consumer Underwriter. This elevated role combines the analytical rigor of consumer credit underwriting with the leadership qualities needed to guide and enhance our underwriting team's capabilities. The individual will be a source of support for the entire Risk department, including Underwriters, Contractor Support Specialists, and blended roles. The selected candidate will be instrumental in overseeing the adjudication of residential home improvement loans, providing expert analysis, providing support to contractors, and leading the credit team through mentorship and quality assurance. The ideal candidate will bring a blend of analytical expertise and leadership background to ensure our underwriting processes are both efficient and effective, supporting our mission to offer superior home improvement financing solutions in a high-volume production environment.


RESPONSIBILITIES

  • Credit Underwriting & Analysis: Perform in-depth credit analysis and adjudication for consumer credit applications, ensuring compliance with company policies. Handle complex cases and provide guidance on escalated issues from team members.
  • Team Leadership & Development: Serve as a mentor and coach for the underwriting and contractor support teams fostering skill development in credit analysis, risk assessment, and policy compliance. Act in a supervisory capacity, promoting a culture of high performance and continuous improvement.
  • Quality Assurance & Policy Documentation: Lead quality assurance efforts, ensuring the accuracy and integrity of underwritten loans. Participate in creation and maintenance of underwriting procedures and documentation, contributing to system testing and enhancements.
  • Operational Collaboration: Collaborate with cross-functional teams to identify risk trends, participate in audits, and support system and process improvements. Provide strategic input on credit policies and practices to adapt to changing market conditions.


QUALIFICATIONS

  • Bachelor’s degree or equivalent, with a preference for backgrounds in finance, business, or related fields.
  • Minimum of 7 years of experience in underwriting, with a strong preference for expertise in the home improvement or residential lending sector.
  • At least 2 years in a leadership or supervisory role, with proven ability to train, mentor, and enhance team performance.
  • Exceptional analytical, organizational, and decision-making abilities.
  • Excellent communication skills, both written and verbal.
  • Proven ability to manage time effectively and work both independently and as part of a team.
  • Knowledge of lending regulations, compliance standards, and industry trends in home financing.


KNOWLEDGE AND SKILLS

  • Strong verbal and written communication skills.
  • Advanced proficiency in Excel and other Microsoft Office applications
  • Ability to work independently and within a team.
  • Strong analytical, problem-solving, and decision-making abilities, with a keen attention to detail.
  • Superior time management and organizational skills, capable of managing high-volume workloads in a fast-paced environment.
  • Ability to work independently as well as collaboratively within a team.
  • Broad industry knowledge, particularly in home improvement lending, with a continuous drive for learning and improvement.


DETAILS

  • Hybrid environment available.
  • Schedule will be Tuesday - Friday 230PM - 11PM, Saturday 10AM - 630PM.
  • Pay based on experience, starting at $35/hour.
  • Up to 7.5% of annual salary paid out on a monthly basis, based upon performance, after the first 90 days of employment.
Requirements: