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Portfolio Underwriter Jobs (NOW HIRING)

Seacoast Bank

Commercial Underwriter II

Miami, FL

Effectively manage a commercial loan portfolio. Underwriters will utilize strong analytical skills, high-level understanding of business finance, and extensive knowledge to propose and provide ...

Seacoast Bank

Commercial Underwriter II

Orlando, FL · On-site

Effectively manage a commercial loan portfolio. Underwriters will utilize strong analytical skills, high-level understanding of business finance, and extensive knowledge to propose and provide ...

Seacoast Bank

Commercial Underwriter II

Stuart, FL

Effectively manage a commercial loan portfolio. Underwriters will utilize strong analytical skills, high-level understanding of business finance, and extensive knowledge to propose and provide ...

Seacoast Bank

Commercial Underwriter II

Ocala, FL · On-site

Effectively manage a commercial loan portfolio. Underwriters will utilize strong analytical skills, high-level understanding of business finance, and extensive knowledge to propose and provide ...

Seacoast Bank

Commercial Underwriter II

Tampa, FL

Effectively manage a commercial loan portfolio. Underwriters will utilize strong analytical skills, high-level understanding of business finance, and extensive knowledge to propose and provide ...

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All JobsPortfolio Underwriter Jobs

Portfolio Underwriter information

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$32.5K

$78.9K

$139.5K

How much do portfolio underwriter jobs pay per year?

As of Aug 15, 2026, the average yearly pay for portfolio 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 does a portfolio underwriter do?

A Portfolio Underwriter is responsible for assessing and managing the risk of a group of insurance policies or loans, rather than evaluating them individually. They analyze trends and performance across the portfolio to ensure it meets the company’s risk appetite and profitability goals. Their work involves making recommendations on pricing, coverage terms, and risk mitigation strategies. Portfolio Underwriters often collaborate with other underwriters, actuaries, and data analysts to maintain a healthy balance of risk and reward for the company.

Is it hard to get a job in portfolio underwriting?

Getting a job as a portfolio underwriter can be competitive, often requiring relevant experience in credit analysis, financial modeling, or risk assessment. Strong analytical skills, industry certifications like CFA or CPA, and familiarity with underwriting software can improve chances of employment. Entry-level roles may be available for those with related internships or educational backgrounds in finance or economics.

What is the difference between Portfolio Underwriter vs Credit Analyst?

AspectPortfolio UnderwriterCredit Analyst
CredentialsTypically requires underwriting certifications, finance degreesOften requires finance or accounting degrees, certifications like CFA
Work EnvironmentWorks in insurance or banking sectors, assessing risk for portfoliosWorks in banks or financial institutions, analyzing creditworthiness
Employer & IndustryInsurance companies, banks, asset managersBanks, lending institutions, credit agencies
Comparison FocusFocuses on managing and assessing risk across a portfolio of assetsFocuses on evaluating individual credit applications and risk

While both roles involve risk assessment, Portfolio Underwriters focus on managing risk across entire asset portfolios, whereas Credit Analysts evaluate individual credit applications. Both require financial knowledge and risk assessment skills, but their scope and daily tasks differ.

How does a portfolio underwriter typically collaborate with other departments to manage risk effectively?

Portfolio Underwriters frequently work in close partnership with actuaries, risk analysts, and sales teams to assess the overall risk exposure of their book of business. They participate in regular meetings to review portfolio performance, adjust underwriting guidelines, and share insights on market trends. Effective collaboration ensures that underwriting decisions align with company risk appetite and regulatory requirements, while also supporting business development goals. This cross-functional teamwork is essential for maintaining a balanced and profitable portfolio.

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

To thrive as a Portfolio Underwriter, you need strong analytical skills, a solid understanding of risk assessment, and usually a degree in finance, economics, or a related field. Familiarity with underwriting software, portfolio management systems, and sometimes professional certifications like CPCU or ARM are commonly expected. Attention to detail, decision-making ability, and effective communication are essential soft skills for this role. These competencies are crucial for accurately evaluating risk, maintaining profitable portfolios, and collaborating with stakeholders in a dynamic insurance environment.
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What job categories do people searching Portfolio Underwriter jobs look for?

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Portfolio Underwriter jobs near you
Infographic showing various Portfolio Underwriter job openings in the United States as of August 2026, with employment types broken down into 1% Internship, 89% Full Time, 7% Part Time, and 3% Contract. Highlights an 85% Physical, 5% Hybrid, and 10% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Commercial Portfolio Underwriting Manager

Sparrow Company LLC

El Paso, TX • On-site

$69K - $98K/yr

Full-time

Re-posted 23 days ago

Job description


A well-established financial services organization in El Paso is seeking an experienced and detail-oriented Commercial Portfolio Manager / Underwriter to support its business lending operations. This role requires a professional with strong analytical expertise, sound judgment, and the ability to evaluate complex financial information. Reporting to the Business Services Operations Administrator, the Commercial Portfolio Manager / Underwriter is responsible for reviewing and analyzing commercial loan requests, supporting lending decisions, ensuring compliance with internal policies and regulatory requirements, and contributing to the overall performance and growth of the commercial loan portfolio.

RESPONSIBILITIES AND DUTIES:

  • Provide analysis and review of commercial loan requests, including real estate and non-real estate secured loans
  • Prepare and review loan presentations for committee approval
  • Analyze financial statements, tax returns, balance sheets, and income statements for borrowers and guarantors
  • Perform financial statement spreading and analysis on new and existing loan relationships
  • Evaluate creditworthiness based on cash flow, debt service capacity, and risk factors
  • Conduct market and industry analysis related to proposed loan requests
  • Calculate and interpret financial ratios to assess borrower performance
  • Provide recommendations on loan structures, terms, and interest rates
  • Assist commercial lenders in preparing clear and concise loan presentations
  • Ensure compliance with internal policies, procedures, and applicable regulations
  • Communicate with borrowers, guarantors, accountants, and other financial professionals to gather and interpret financial information
  • Support ongoing portfolio management, including reporting, tracking, and monitoring requirements
  • Collaborate with internal teams to resolve issues and support cross-functional efforts
  • Maintain knowledge of lending products and services through training and development
  • Build and maintain strong working relationships with lending staff, leadership, and stakeholders
  • Assist management with departmental operations and other duties as needed
  • Comply with Bank Secrecy Act (BSA), Customer Identification Program (CIP), and all applicable regulationsPerform other duties as assigned to support business operations

REQUIREMENTS AND QUALIFICATIONS:

  • Bachelor’s degree in Business Administration, Finance, or related field required
  • Thorough knowledge of credit products, commercial lending policy, all applicable laws and regulations, credit quality standards, company and business line policies and procedures
  • Minimum of 5+ years of credit analysis and/or loan review experience, preferably in the banking industry, and 8 years of related or similar lending experience.
  • Anticipates Business Member needs and develops a reputation for responsiveness
  • Ensures success of change implementation through business strategy improvement and effective communication strategy for the commercial portfolio
  • Strong analytical skills with the ability to interpret complex financial information and identify risk
  • Good understanding of financial industry concepts, related laws, and regulations
  • Ability to work on multiple transactions simultaneously and prioritize assignments to meet deadlines
  • Previous credit union experience is a plus
  • Excellent communication skills and avid listener, strong business writing
  • Entrepreneurial mindset and quick to adapt to fast paced environment
  • High integrity, detail oriented, and ability to evaluate and mitigate risk
  • Proficient in Microsoft Office and web-based applications (Excel Pivot Table knowledge a plus)
  • Applicants may be subject to a background check and Credit Check.*
  • A pre-employment screening may be required as a condition of employment.

*A conviction does not automatically disqualify you from employment. We will consider factors such as the timing, nature, and seriousness of any offense, as well as evidence of rehabilitation.

Sparrow Company Executive Search & Staffing is an Equal Opportunity Employer.


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