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Remote Senior Underwriter Jobs in Boca Raton, FL

JGS Insurance

Underwriter

Hallandale Beach, FL · Remote

This position is responsible for the underwriting, rating, binding and servicing of accounts assigned to them in a prompt, accurate, courteous and professional manner. This includes providing the ...

All JobsUnderwriter JobsRemote Senior Underwriter JobsRemote Senior Underwriter Jobs in Boca Raton, FL

Remote Senior Underwriter information

See Boca Raton, FL salary details

$35.1K

$101.2K

$126.7K

How much do remote senior underwriter jobs pay per year?

As of Aug 28, 2026, the average yearly pay for remote senior underwriter in Boca Raton, FL is $101,161.00, according to ZipRecruiter salary data. Most workers in this role earn between $93,500.00 and $110,600.00 per year, depending on experience, location, and employer.

What does a remote senior underwriter do?

A Remote Senior Underwriter evaluates and assesses the risk of insuring applicants for various types of insurance, such as life, health, property, or casualty, while working from a remote location. They review applications, analyze financial documents, and use specialized software to determine policy terms and premiums. Senior Underwriters often handle more complex cases and may mentor junior staff or assist in developing underwriting guidelines. They communicate with agents, brokers, and clients to clarify information and ensure compliance with company and regulatory standards.

What skills and qualifications are needed to thrive as a remote senior underwriter?

To thrive as a Remote Senior Underwriter, you need deep expertise in risk assessment, underwriting principles, and relevant industry regulations, typically supported by a bachelor’s degree and significant underwriting experience. Familiarity with underwriting software, automated risk analysis tools, and CRM systems is commonly required, along with certifications such as CPCU or ARM. Exceptional analytical thinking, attention to detail, and strong communication skills set top performers apart, especially when collaborating virtually. These skills ensure accurate risk evaluation, sound decision-making, and effective client and team interactions in a remote setting.

What are common challenges faced by remote senior underwriters, and how can they be addressed?

Remote Senior Underwriters often encounter challenges in maintaining clear communication with team members and staying updated on ever-changing underwriting guidelines. To address these, it's essential to leverage collaborative technologies, participate in regular virtual meetings, and proactively seek clarification on complex cases. Additionally, self-discipline and strong organizational skills are vital for managing workloads and meeting deadlines in a remote environment. Building strong relationships with both colleagues and clients can also help ensure smooth workflows and effective decision-making.

What is the difference between Remote Senior Underwriter vs Remote Underwriter?

AspectRemote Senior UnderwriterRemote Underwriter
CredentialsTypically requires 5+ years of underwriting experience, industry certifications (e.g., CPCU, ARM)Entry to mid-level experience, may require relevant licenses or certifications
Work EnvironmentSenior-level responsibilities, decision-making authority, mentorship rolesPerforming underwriting tasks, supporting senior staff, less decision-making authority
Employer & Industry UsageInsurance companies, financial institutions, brokersInsurance firms, brokers, third-party administrators

The main difference between a Remote Senior Underwriter and a Remote Underwriter lies in experience, decision-making authority, and responsibilities. Senior Underwriters handle complex cases, mentor junior staff, and have greater autonomy, while Underwriters focus on standard cases and support roles. Both roles are essential in the insurance industry and often require similar credentials, but the senior position demands more experience and leadership.

What are popular job titles related to Remote Senior Underwriter jobs in Boca Raton, FL?

For Remote Senior Underwriter jobs in Boca Raton, FL, the most frequently searched job titles are:

What job categories do people searching Remote Senior Underwriter jobs in Boca Raton, FL look for?

The top searched job categories for Remote Senior Underwriter jobs in Boca Raton, FL are:

What cities near Boca Raton, FL are hiring for Remote Senior Underwriter jobs?

Cities near Boca Raton, FL with the most Remote Senior Underwriter job openings:

Remote Senior Underwriter jobs near you
Infographic showing various Remote Senior Underwriter job openings in Boca Raton, FL as of August 2026, with employment types broken down into 91% Full Time, 7% Part Time, and 2% Contract. Highlights an 67% Physical, 13% Hybrid, and 20% Remote job distribution, with an average salary of $101,267 per year, or $48.7 per hour.

Commercial Underwriter

Gradient Mortgage Capital, LLC

Fort Lauderdale, FL • On-site, Remote

Full-time

Posted 29 days ago

Job description

Job Title:
Commercial Underwriter
Location:
Hybrid (Office/Remote) South FL
Department/Group:
Gradient Mortgage Capital LLC/Sales
Travel Required:
None
Job Status:
Exempt
Position Type:
Full-Time, Regular
Work Schedule:
Monday-Friday, 9:00AM - 5:00PM ET
Reports To:
SVP Underwriting/Head of Credit
Summary
The Commercial Underwriter is responsible for evaluating, structuring, and decisioning Small Balance Commercial Real Estate (SBCRE) loan requests with a high degree of precision, consistency, and sound credit judgment. This role requires hands-on experience underwriting small balance commercial loans, as the complexity and nuance of this market demand a deep understanding of borrower profiles, property types, cash-flow analysis, and SBCRE-specific risk drivers.
The Underwriter performs comprehensive credit analysis of borrowers and guarantors, conducts detailed collateral and market reviews, and applies informed judgment within established credit guidelines. Reporting directly to the Head of Credit, this role plays a critical part in maintaining credit quality while supporting the company's production and growth objectives. The ideal candidate is analytical, detail-oriented, and capable of operating independently in a fast-paced, entrepreneurial environment.
Essential Duties and Responsibilities
  • Analyze borrower and guarantor financials, including tax returns, income statements, balance sheets, cash flow statements, and projections, with a focus on small balance commercial transactions.
  • Assess borrower and guarantor creditworthiness using credit reports, third-party data, and relevant industry benchmarks.
  • Evaluate real estate collateral by reviewing appraisals, environmental reports, market studies, rent rolls, operating statements, and title documentation to identify and mitigate risk.
  • Structure and recommend loan terms and conditions, including pricing, leverage, and covenants, that appropriately balance risk and business objectives.
  • Exercise sound judgment in nuanced or gray-area credit decisions common in SBC lending, clearly articulating rationale and mitigating factors.
  • Prepare clear, well-documented underwriting narratives and credit memoranda that accurately reflect risk analysis, conclusions, and recommendations.
  • Maintain accurate, complete, and timely records in the loan origination system (LOS) and CRM.
  • Ensure underwriting decisions comply with internal credit policies, regulatory requirements, and fair lending standards.
  • Collaborate with sales, operations, closing, and third-party vendors to obtain required information and support an efficient end-to-end loan process.
  • Contribute toward quarterly production goals and participate in periodic pipeline, production, and credit review meetings.
  • Participate in weekly one-on-one meetings and broader underwriting and production initiatives.
  • Perform other duties and responsibilities as assigned by management.
Required Qualifications and Skills
  • Demonstrated experience underwriting Small Balance Commercial Real Estate loans; investor residential or DSCR experience is a plus but not a substitute.
  • Strong ability to interpret complex financial statements and layered credit profiles typical of SBC transactions.
  • Solid understanding of commercial property types, borrower structures, guarantor analysis, and cash-flow-based underwriting.
  • High attention to detail with strong analytical, organizational, and critical-thinking skills.
  • Ability to work independently while collaborating effectively with cross-functional teams.
  • Comfort operating in a growth-oriented, entrepreneurial environment with evolving processes and priorities.

Education
  • Bachelor's degree in Finance, Accounting, Real Estate, Economics, Business Administration, or a related field preferred.
  • An equivalent combination of education and directly relevant underwriting experience may be considered in lieu of a degree.

Experience
  • Minimum of 3 to 5 years of direct Small Balance Commercial Real Estate underwriting experience required.
  • Proven experience independently underwriting, structuring, and decisioning SBC loans across common property types, including multifamily, mixed-use, retail, office, industrial, and special-purpose assets.
  • Experience working within defined credit guidelines while applying sound judgment to nuanced or non-standard transactions.
  • Prior experience in a private lender, non-bank lender, or bank commercial credit environment strongly preferred.
  • Familiarity with loan origination systems (LOS), third-party reports, and credit memo preparation required.

Disclaimer
Gradient Mortgage Capital is an equal opportunity employer and is committed to building a diverse and inclusive workplace. We do not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other protected characteristic.
We provide reasonable accommodations to qualified individuals with disabilities and for sincerely held religious beliefs.
This job description is not a contract of employment and does not list all duties of the position. Employment is at-will, and job responsibilities, compensation, and benefits may change at any time, with or without notice, subject to applicable law.

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