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Junior Underwriting Jobs (NOW HIRING)

AD Mortgage

Junior Underwriter

Troy, MI

We are looking for sharp, analytical minds ready to dive into our intensive Underwriting Training Course . You'll learn the intricacies of Fannie Mae and Freddie Mac guidelines and emerge as a ...

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How much do junior underwriting jobs pay per hour?

As of Aug 12, 2026, the average hourly pay for junior underwriting in the United States is $22.27, according to ZipRecruiter salary data. Most workers in this role earn between $16.83 and $27.40 per hour, depending on experience, location, and employer.

What are some common challenges faced by junior underwriters, and how can they effectively overcome them?

Junior Underwriters often face challenges such as learning to assess risk accurately, managing a high volume of applications, and balancing attention to detail with efficiency. Navigating complex policies and staying updated on regulatory changes can also be demanding. To overcome these hurdles, new underwriters benefit from seeking guidance from senior colleagues, participating in training sessions, and utilizing underwriting software tools. Building strong communication skills is also crucial, as junior underwriters frequently collaborate with agents, brokers, and other team members to clarify information and make informed decisions.

What does a junior underwriter do?

A junior underwriter assists in evaluating insurance applications by analyzing risk factors, reviewing applicant information, and determining coverage eligibility. They often use underwriting guidelines and may work under the supervision of senior underwriters to learn industry standards and improve their assessment skills.

How much do junior underwriters make?

Junior underwriters typically earn between $45,000 and $65,000 annually, depending on location, industry, and experience. Entry-level roles may start lower, while those with relevant certifications or in high-demand markets can earn more. Compensation often includes benefits and opportunities for advancement as skills develop.

What is the difference between Junior Underwriting vs Insurance Underwriter?

AspectJunior UnderwritingInsurance Underwriter
Required CredentialsHigh school diploma or equivalent; some roles may require a degree or certificationBachelor's degree often preferred; certifications like CPCU beneficial
Work EnvironmentEntry-level, training-focused, office settingMore experienced, decision-making role, office environment
Job ResponsibilitiesAssisting underwriters, basic risk assessment, data entryEvaluating risks, approving or denying policies, complex analysis
Industry UsageCommonly used for entry-level roles in insurance companiesUsed for experienced professionals making underwriting decisions

In summary, Junior Underwriting roles are entry-level positions focused on supporting underwriters and gaining industry experience. Insurance Underwriters are more experienced professionals responsible for assessing risks and making final policy decisions. The roles differ mainly in experience level, responsibilities, and required credentials.

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

To thrive as a Junior Underwriter, you need a solid understanding of risk assessment, basic finance or insurance principles, and typically a bachelor's degree in business, finance, or a related field. Familiarity with underwriting software, spreadsheet applications like Excel, and industry databases is important. Strong analytical thinking, attention to detail, and effective communication skills help you stand out in this role. These competencies ensure accurate risk evaluation, efficient workflow, and clear collaboration with clients and colleagues.

Is it hard to get a job in junior underwriting?

Junior underwriting positions are often entry-level roles that typically require a relevant degree or certification, such as in finance or insurance. Competition can vary depending on the location and industry demand, but strong analytical skills and attention to detail improve chances of securing the role.

Can I become a junior underwriter with no experience?

Junior underwriters typically do not require prior experience, as the role often provides on-the-job training. However, having a background in finance, insurance, or related coursework can improve your chances and help you learn industry-specific tools and terminology quickly.
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Junior Underwriting jobs near you
Infographic showing various Junior Underwriting job openings in the United States as of August 2026, with employment types broken down into 93% Full Time, 4% Part Time, and 3% Contract. Highlights an 74% Physical, 9% Hybrid, and 17% Remote job distribution, with an average salary of $46,316 per year, or $22.3 per hour.

Junior Underwriter

American Mortgage Services, Inc

Tampa, FL • On-site

Full-time

This job post has expired today. Applications are no longer accepted.

Job description

Description
Are you the type of person who wants to understand why a loan gets approved, not just collect documents?
American Mortgage Services is a growing mortgage brokerage seeking a detail-oriented Underwriting Assistant / Mortgage Loan Analyst to support our Loan Officers and Operations Team. This position is ideal for someone who enjoys analyzing income, assets, credit, and loan scenarios while helping move loans efficiently from application to closing.
Unlike a traditional Mortgage Loan Officer Assistant role focused primarily on administrative tasks, this position plays a critical role in evaluating loan files, identifying potential issues early, and helping structure loans for success before they ever reach underwriting.
The ideal candidate understands how mortgage loans work, enjoys solving problems, and takes pride in catching details that others miss.
What We Are Looking For
We're not looking for a document chaser. We're looking for someone who wants to understand the complete mortgage process and can think critically through loan scenarios, anticipate underwriting concerns, and help our team deliver a smoother borrower experience. If you're currently an MLOA or processor and feel capable of contributing at a higher level, we'd love to speak with you.
Benefits
  • Competitive compensation
  • Paid holidays and time off
  • Health benefits available
  • Career growth opportunities
  • Supportive team environment
  • Stable company with strong referral and repeat business
Why Join Us?
At American Mortgage Services, we believe great operations professionals are the backbone of every successful loan. You'll work alongside experienced mortgage professionals who value teamwork, accountability, and continuous growth while helping families achieve homeownership every day.
Responsibilities
• Review loan files for completeness, accuracy, and eligibility
• Analyze income, assets, credit reports, and supporting documentation
• Identify potential underwriting concerns and communicate solutions to the team
• Work closely with Loan Officers to ensure loans are structured correctly from the beginning
• Collect and review conditions and supporting documentation
• Communicate directly with borrowers regarding documentation needs
• Monitor loan progress and proactively address issues that may impact closing timelines
• Assist with pre-underwriting and loan scenario analysis
• Maintain accurate updates and notes within the CRM and LOS
• Provide exceptional customer service throughout the loan process
Qualifications
• Previous mortgage experience preferred
• Experience as an MLOA, processor, underwriter, underwriting assistant, loan partner, or mortgage operations professional is highly desirable
• Strong understanding of mortgage guidelines, income calculation, assets, credit, and loan documentation
• Ability to identify potential loan issues before underwriting
• Exceptional attention to detail and organizational skills
• Strong written and verbal communication abilities
• Ability to manage multiple files and deadlines simultaneously
• Self-motivated, dependable, and solutions-oriented

Apply