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Merchant Risk Underwriter Jobs (NOW HIRING)

Merchants Bonding Company

Sr. Contract Underwriter

Fulton, MD · Hybrid

$96K - $113K/yr

... risk evaluation role. * Proven ability to underwrite complex accounts, manage agent relationships, and apply judgment under ambiguity. BENEFITS AT MERCHANTS At Merchants, we value balancing the needs ...

NETO CAPITAL LLC

Be Seen First

Underwriter

Sunny Isles, FL · On-site

You'll use the company's in-house AI/ML underwriting tools daily and work closely with Risk, Sales ... As a direct funder specializing in Merchant Cash Advances and alternative financing, we combine ...

NETO CAPITAL LLC

Be Seen First

Underwriter

Sunny Isles, FL · On-site

You'll use the company's in-house AI/ML underwriting tools daily and work closely with Risk, Sales ... As a direct funder specializing in Merchant Cash Advances and alternative financing, we combine ...

The OLB Group Inc.

Underwriter

New York, NY · On-site

Position Type: Underwriter Type of Hire: Full Time Education Desired: High school diploma or ... NONE Responsible for reviewing applications for merchant processing accounts. Assessing the risk ...

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Merchant Risk Underwriter information

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$32.5K

$78.9K

$139.5K

How much do merchant risk underwriter jobs pay per year?

As of Sep 9, 2026, the average yearly pay for merchant risk 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.

Is underwriting a stressful job?

Merchant risk underwriters analyze financial data and assess fraud or credit risks, which can involve high-pressure decision-making and meeting strict deadlines. The job may be stressful due to the need for accuracy, attention to detail, and managing complex cases, but workload and stress levels vary by employer and individual experience.

What is a merchant risk underwriter?

A merchant risk underwriter evaluates the risk associated with providing merchant accounts to businesses, focusing on potential fraud, chargebacks, and financial stability. They analyze financial data, industry risks, and compliance requirements to determine whether to approve or deny merchant applications, often using specialized underwriting tools and criteria.

What cities are hiring for Merchant Risk Underwriter jobs?

Cities with the most Merchant Risk Underwriter job openings:

What states have the most Merchant Risk Underwriter jobs?

States with the most job openings for Merchant Risk Underwriter jobs include:

What are popular job titles related to Merchant Risk Underwriter jobs?

For Merchant Risk Underwriter jobs, the most frequently searched job titles are:

Infographic showing various Merchant Risk Underwriter job openings in the United States as of September 2026, with employment types broken down into 1% As Needed, 89% Full Time, 8% Part Time, and 2% Contract. Highlights an 82% Physical, 4% Hybrid, and 14% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Sr. Contract Underwriter

Fulton, MD • Hybrid

Merchants Bonding Company
Insurance Services • 201 - 500 employees
Learn more about Merchants Bonding Companyexternal

$96K - $113K/yr

Full-time

Medical, PTO

Posted 11 days ago

Job description

Job Purpose

The Senior Contract Underwriter manages complex accounts, drives high-quality underwriting decisions, and strengthens agency relationships. This role requires sound judgment, strategic influence, and the ability to present both risk and opportunity clearly. Associates are expected to mitigate objections, support team development, and represent the company with confidence and professionalism.

Job Responsibilities:

Strategic Underwriting & Risk Evaluation (60%)

  • Evaluates complex contract surety submissions and makes informed decisions within underwriting authority, using sound judgment while regularly collaborating with peers to strengthen decision quality.
  • Analyzes contractor financials, project schedules, and broader market conditions to assess risk.
  • Prepares and presents underwriting recommendations, providing a clear rationale and proposed path forward.

Agency Leadership & Relationship Growth (30%)

  • Leads relationship strategy for assigned agencies.
  • Conducts onsite visits, presentations, and strategic planning meetings with producers and key agency personnel.
  • Develops new agency relationships through prospecting, referral, and industry engagement.
  • Gathers and communicates market insights, shaping underwriting approach at the territory or regional level.

Team Development & Strategic Contribution (10%)

  • Mentors and provides informal guidance to other underwriters on case analysis and relationship handling.
  • Collaborates with managers and peers to refine underwriting practices and solve challenges.
  • Participates in cross-functional projects, pilots, and initiatives that support innovation and operational improvement.

Education and Experience:

  • Bachelor’s degree preferred. Backgrounds in business, finance, accounting, economics, or related disciplines are highly relevant.
  • Minimum of 5 years of experience in surety underwriting or a related financial/risk evaluation role.
  • Proven ability to underwrite complex accounts, manage agent relationships, and apply judgment under ambiguity.

BENEFITS AT MERCHANTS

At Merchants, we value balancing the needs of our associates and their families. We're proud to offer a wide range of benefits designed to help you achieve a healthy work-life balance and support your personal and professional growth. In addition to competitive pay, bonus programs, and paid-time off, here are just a few of the amazing benefits:

  • Flexible hybrid and remote opportunities with 37.5 hour work week
  • Free health insurance option
  • Paid volunteer time off with matching gift program
  • Infants in the Workplace Program with family resources
  • Discover more benefits at https://www.merchantsbonding.com/careers#nav-link-3

MERCHANTS BONDING COMPANY

Join the Merchants team and experience the difference of working for a surety-only company. At Merchants, we believe in the power of collaboration and teamwork, and we're committed to the success of our associates and customers by creating an inclusive culture that sets us apart and drives our success.

Our company is built on a foundation of providing common sense solutions and first-class experiences. From underwriting to claims and technology to marketing, every department and team collaborates together to achieve our common goal to be the most trusted team in surety.

Learn more about building your career at Merchants by visiting www.merchantsbonding.com/careers.

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