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Merchant Underwriting Jobs (NOW HIRING)

EPSG, LLC

Senior Underwriting Analyst

Melville, NY · On-site

$55K - $68K/yr

Underwriting Analyst to join our growing team. This role will report to the Underwriting ... Efficiently manage, sort, and organize merchant applications and supporting documentation

New

YouLend

Underwriting Manager

Atlanta, GA · On-site

... merchant cash advance, alternative lending, or banking • Experience in a high-growth or scaling business environment • Exposure to underwriting technology, automated decisioning systems, or data ...

Aon

Underwriting Specialist II

Fort Wayne, IN · On-site

$55K - $65K/yr

Aon Is Looking For An Underwriting Specialist II We currently have an exciting hybrid career ... This position will support Aon's K&K Insurance group Mass Merchandising business group within Aon ...

Aon Corporation

Underwriting Specialist II

Fort Wayne, IN · On-site

$55K - $65K/yr

Aon Is Looking For An Underwriting Specialist II We currently have an exciting hybrid career ... This position will support Aon's K&K Insurance group Mass Merchandising business group within Aon ...

Aon Corporation

Underwriting Specialist II

Fort Wayne, IN · Hybrid

$55K - $65K/yr

Aon Is Looking For An Underwriting Specialist II We currently have an exciting hybrid career ... This position will support Aon's K&K Insurance group Mass Merchandising business group within Aon ...

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Merchant Underwriting information

See salary details

$48K

$103.1K

$158.5K

How much do merchant underwriting jobs pay per year?

As of Aug 20, 2026, the average yearly pay for merchant underwriting in the United States is $103,082.00, according to ZipRecruiter salary data. Most workers in this role earn between $77,000.00 and $121,000.00 per year, depending on experience, location, and employer.

What is merchant underwriting?

A Merchant Underwriting job involves assessing the risk and creditworthiness of businesses applying for merchant accounts to process payments. Underwriters review financial statements, business models, and transaction history to identify potential fraud or financial instability. They work closely with sales teams, risk management, and compliance departments to ensure merchants meet regulatory and company requirements. The goal is to approve legitimate businesses while minimizing financial risk for the payment processor or financial institution. This role requires analytical skills, attention to detail, and knowledge of payment industry regulations.

What are the key skills and qualifications needed to thrive in merchant underwriting?

To thrive as a Merchant Underwriter, you need strong analytical abilities, a keen understanding of financial statements, and experience evaluating business risk, typically supported by a degree in finance, business, or a related field. Proficiency with underwriting platforms, risk assessment tools, and knowledge of industry compliance standards or certifications such as Certified Risk Professional (CRP) is often preferred. Strong attention to detail, effective communication, and sound judgment enable successful collaboration with sales and risk teams. These skills ensure accurate merchant approvals, mitigate potential losses, and support the financial integrity of the organization.

What are some common challenges faced by merchant underwriters in their daily work?

Merchant Underwriters often encounter challenges such as assessing the risk of new or emerging business models, analyzing incomplete or inconsistent financial data, and staying updated with evolving industry regulations. Balancing the need for thorough risk evaluation with the demands for quick decision turnarounds can also be demanding. Collaboration with sales and compliance teams is essential to resolve cases where risk factors are unclear or customer expectations are urgent. To succeed, underwriters must be adaptable, detail-oriented, and proactive in continuing their professional development to keep up with changing policies and industry trends.

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Merchant Underwriting jobs near you
Infographic showing various Merchant Underwriting job openings in the United States as of August 2026, with employment types broken down into 94% Full Time, 3% Part Time, and 3% Contract. Highlights an 74% Physical, 9% Hybrid, and 17% Remote job distribution, with an average salary of $103,082 per year, or $49.6 per hour.

Commercial Lines Underwriting Assistant

Merchants Insurance Group

Bedford, NH • On-site

$22.61 - $30.15/hr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 13 days ago

Job description

Commercial Lines Underwriting Assistant
Hybrid Work Schedule
Bedford, New Hampshire
Merchants Insurance Group is a leading Property and Casualty Insurer in the Northeast and is looking for a Commercial Lines Underwriting Assistant for our Commercial Lines Underwriting team located in Bedford, New Hampshire.
The Commercial Lines Underwriting Assistant will become part of a dedicated underwriting team focused on setting up new business, quotes, renewals and endorsements into our company policy writing system.
Merchants Insurance Group is rated A- (Excellent) with a stable outlook by A.M. Best and is consistently recognized as a top employer and high-performing organization. Recent honors include:
  • 2026 Big I of NY Outstanding Carrier Partner - Carrier of the Year honor
  • Best Places to Work in Western New York (Buffalo Business First, 2023-2026)
  • Fast Track Company (2019-2025) and Top Private Company (2019-2025)
  • Ward's 50® top-performing property-casualty insurer (2021-2024)
  • Ivans Spark Award for Innovation (2024-2025)
  • Named to Newsweek and Statista's America's Most Reliable Companies list (2025), ranked among the top 300 of 1,500 B2B organizations evaluated

We offer a hybrid work schedule, requiring two full days per week in the office including a mandatory Wednesday Team Day and flexibility to work remotely or in office the remaining days. This model supports collaboration while providing flexibility and work-life balance.
Essential Duties and Responsibilities include, but are not limited to:
  • Responds to inquiries from agents regarding policy ratings and billing status.
  • Updates rating information, verifies policy information, and works with the underwriting team to meet service standards and company goals.
  • Reviews loss control surveys to verify policy exposures for proper rating.
  • Assists in the achievement of commercial lines loss ratio objectives for the assigned territory.
  • Assists in the achievement of commercial lines production goals for the assigned territory.

Qualifications & Skills:
  • High school diploma or equivalent work experience.
  • 1 plus years' work experience in an Insurance Company or Agency.
  • Prior experience in insurance rating and knowledge of insurance terms.
  • Excellent communication and customer service skills.
  • Computer experience including Microsoft Word experience.
  • ImageRight knowledge is a plus.

Merchants Insurance Group Pay information:
Merchants Insurance Group offers a competitive pay scale. The estimated salary for this role ranges from $22.61 - $30.15 hourly based on leveling and geography, along with an equity component and a comprehensive benefits package. This range is merely an estimate; actual compensation may deviate from this range based on skills, experience and qualifications.
Merchants Insurance Group Benefits:
  • Welcoming and positive work environment.
  • Colleague Appreciation Events.
  • Flexible work arrangements, including flex scheduling and summer hours.
  • Hybrid work schedule. The Hybrid work schedule will require two full days per week in the office with a mandatory Wednesday Team Day, and the option to work the remaining days per month at home or in the office.
  • Competitive pay scale.
  • Generous paid time off package.
  • Full Benefits: Health, Dental, Vision, Life Insurance, Short Term Disability, 401(k) employer match amount is 100% up to 6% of your annual contributions. You are immediately 100% vested in the employer match dollars.
  • Outstanding company bonus program.
  • Tuition Reimbursement.

And many more exciting company benefits!!
Merchants Insurance Group is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or veteran status. Merchants Insurance Group supports a safe workplace through pre-employment background screenings.
Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

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