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Line Underwriter Jobs (NOW HIRING)

Specialty Program Group

Renewal Underwriter

Richmond, VA · On-site

$65K - $80K/yr

Working closely with Commercial Line Underwriters in the renewal program * Other duties as assigned Qualifications: * Proficiency in various Carrier Rating Portals, Microsoft Word, and Excel * High ...

HUB

Renewal Underwriter

Richmond, VA · On-site

$65K - $80K/yr

Working closely with Commercial Line Underwriters in the renewal program * Other duties as assigned Qualifications: * Proficiency in various Carrier Rating Portals, Microsoft Word, and Excel * High ...

Westfield

Underwriter, US Environmental

Manhattan, NY · On-site

Interact closely and effectively with other product line underwriters and regional managers to execute cross-sell strategies * Liaise with actuarial, claims, compliance, legal, communications and ...

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Line Underwriter information

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$32.5K

$78.9K

$139.5K

How much do line underwriter jobs pay per year?

As of Sep 4, 2026, the average yearly pay for line 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 line underwriter?

Line underwriters are insurance professionals responsible for evaluating and approving or rejecting insurance applications within a specific area or 'line' of coverage, such as auto, home, or commercial insurance. They assess risks based on company guidelines, analyze applicant information, and determine appropriate coverage terms and premiums. Their decisions help the insurance company manage risk and maintain profitability while offering fair policies to clients.

What are some common challenges faced by line underwriters in balancing risk assessment with business goals?

Line Underwriters often encounter the challenge of accurately assessing risk while also meeting the company's business objectives, such as growth and profitability targets. They must thoroughly evaluate applications, analyze data, and apply underwriting guidelines, all while negotiating terms that are attractive to clients but still protect the insurer from undue risk. Additionally, they collaborate closely with brokers, agents, and other departments to clarify coverage, which can require strong communication skills and the ability to make decisions under tight deadlines. Successfully balancing these priorities requires both analytical expertise and a clear understanding of market trends.

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

To thrive as a Line Underwriter, you need a deep understanding of risk assessment, insurance policies, and industry regulations, usually supported by a bachelor's degree in finance, business, or a related field. Familiarity with underwriting software, risk analysis tools, and certifications such as CPCU or AU are often required. Strong analytical thinking, attention to detail, and effective communication skills help you make sound judgments and collaborate with brokers or agents. These skills are essential for accurately evaluating risk, maintaining profitability, and ensuring compliance in insurance operations.

What is the difference between Line Underwriter vs Underwriting Assistant?

AspectLine UnderwriterUnderwriting Assistant
CredentialsTypically requires a relevant insurance or finance certification, such as CPCU or ARMOften requires a high school diploma or associate degree; some roles prefer insurance-related coursework
Work EnvironmentWorks in insurance companies, assessing risk and setting policy termsSupports underwriters with administrative tasks, data entry, and document management
Job ResponsibilitiesEvaluates risk, approves or declines policies, and sets coverage limitsPrepares documents, gathers information, and assists in underwriting processes

The main difference is that a Line Underwriter actively assesses and approves insurance policies based on risk, while an Underwriting Assistant provides administrative support to underwriters. The roles differ in responsibility level but are interconnected within the insurance underwriting process.

Do underwriters make a lot of money?

Line underwriters typically earn a median annual salary ranging from $60,000 to $80,000, depending on experience, location, and industry. Senior underwriters or those in specialized fields can earn higher salaries, and the role often requires strong analytical skills and industry certifications.
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Line Underwriter jobs near you
Infographic showing various Line Underwriter job openings in the United States as of August 2026, with employment types broken down into 1% As Needed, 80% Full Time, 14% Part Time, 4% Contract, and 1% Nights. Highlights an 94% Physical, 2% Hybrid, and 4% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Level IV Underwriter

AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY

Virginia Beach, VA • On-site

$39 - $57/hr

Full-time

Medical, Dental, Vision, Retirement

Re-posted 18 days ago

Job description

***Note to all Arizona Candidates: Please apply to the positions labeled "Arizona" on our Careers page. All candidates who wish to work out of Arizona  must apply to the position specific to Arizona.***

AnnieMac Home Mortgage is looking to hire a Full-Time Underwriter Level 4  to be responsible for the underwriting of loans in accordance with company and investor guidelines. Candidates should have experience directly or indirectly related to the Mortgage Industry. Under the direct supervision of the Underwriting Manager the accountabilities and job activities of the Underwriter Level 4 position include, but are not limited, to the following:

  • Timely underwriting of loan credit packages and appraisals for compliance with various investor and government agency guidelines.
  • Contact with private investors and government agencies to resolve any issues or questions that may arise on loan files, programs, etc.
  • Review and analyze income from both personal and corporate tax returns.
  • Communicate decision on loans to appropriate parties both verbally and in writing.
  • Analyze loan packages for any sign of fraudulent documentation or information.
  • Work with Loan Originators to restructure questionable loans into a salable package.
  • Remain informed of all government regulations, requirements and laws for both branch and broker submissions.
  • Consult with the Processing and Closing departments to ensure that all underwriting conditions are met prior to closing the loan.
  • Review and clear all underwriting conditions prior to closing.
  • 5 years Conventional front-line underwriting.
  • FHA Direct Endorsement required.
  • VA LAPP and SAR, USDA, and/or Jumbo required.
  • Pass pre-hire assessment.
  • Complete new hire training including underwriting of test cases and second level review of “live” loans.
  • Knowledge of various investor guidelines and requirements.
  • Minimum of 20 mbps download and 3 mbps upload internet bandwidth speeds are required.

AnnieMac Home Mortgage offers a wide range of benefits, including medical, dental and vision plans, along with voluntary benefits, including 401K.

***AnnieMac Home Mortgage participates in E-Verify***

***AnnieMac Home Mortgage is an Equal Opportunity Employer***

Apply