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Remote Underwriter Trainee Jobs (NOW HIRING)

We offer a collaborative culture, growth opportunities, and flexibility with remote or hybrid work ... Independently complete underwriting decisions in accordance with company standards, investor ...

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Remote Underwriter Trainee information

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$32.5K

$78.9K

$139.5K

How much do remote underwriter trainee jobs pay per year?

As of Aug 4, 2026, the average yearly pay for remote underwriter trainee 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 are some common challenges faced by remote underwriter trainees and how can they be addressed?

Remote Underwriter Trainees often encounter challenges such as adapting to complex underwriting software, interpreting risk assessments without in-person guidance, and managing communication with distributed teams. To overcome these, it's important to proactively seek mentorship from experienced underwriters, participate in virtual training sessions, and utilize collaboration tools to maintain clear, consistent communication. Developing strong organizational skills and asking questions during team meetings can also help trainees quickly adapt and build confidence in their role.

What is a remote underwriter trainee?

A Remote Underwriter Trainee is an entry-level professional who is learning how to assess and evaluate loan, insurance, or mortgage applications while working from a remote location. Trainees receive on-the-job training under the supervision of experienced underwriters to learn industry regulations, risk assessment, and decision-making processes. They typically review applicant information, verify documentation, and apply company guidelines to determine eligibility. This position is ideal for those seeking to enter the underwriting field and gain foundational experience before advancing to more independent roles.

Can you work remotely as a remote underwriter trainee?

Remote underwriter trainees can often work remotely, depending on the employer and company policies. Many companies offer remote training programs and require proficiency with underwriting software and strong communication skills. Availability of remote work may vary based on the company's remote work policies and the specific role requirements.

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

AspectRemote Underwriter TraineeRemote Underwriter
Required CredentialsEntry-level, often with a relevant degree or certificationTypically requires experience and professional certifications
Work EnvironmentTraining period, supervised, learning-focusedFull responsibilities, independent decision-making
Job ResponsibilitiesAssisting in underwriting tasks, learning processesEvaluating applications, making underwriting decisions

The main difference between a Remote Underwriter Trainee and a Remote Underwriter is the experience level and responsibilities. Trainees are in learning mode, focusing on training and support, while underwriters handle full underwriting duties independently. Both roles are common in insurance and financial industries, with the trainee position serving as a stepping stone to becoming a fully qualified underwriter.

How to get a job as a remote underwriter trainee with no experience?

To become a remote underwriter trainee with no experience, focus on gaining relevant knowledge through online courses in insurance or finance, and develop skills in risk assessment and data analysis. Entry-level positions often require a high school diploma or equivalent, and demonstrating strong attention to detail and communication skills can improve your chances. Internships or volunteering opportunities can also provide practical exposure to underwriting processes.

What do remote underwriter trainees do?

Remote underwriter trainees assist in evaluating loan applications by analyzing financial documents, credit reports, and property information to determine risk and eligibility. They learn to use underwriting software and follow company guidelines under supervision, gaining skills necessary for full underwriting responsibilities.

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

To thrive as a Remote Underwriter Trainee, you need a foundational understanding of risk analysis, attention to detail, and typically a bachelor’s degree in finance, business, or a related field. Familiarity with underwriting software, loan origination systems, and relevant industry certifications such as AUS (Automated Underwriting System) are commonly required. Strong analytical thinking, effective communication, and self-motivation are important soft skills for excelling in a remote environment. These skills and qualifications are crucial for accurately assessing risk, ensuring compliance, and contributing to efficient, high-quality underwriting decisions from a remote setting.
More about Remote Underwriter Trainee jobs
What cities are hiring for Remote Underwriter Trainee jobs? Cities with the most Remote Underwriter Trainee job openings:
What are the most commonly searched types of Underwriter Trainee jobs? The most popular types of Underwriter Trainee jobs are:
What states have the most Remote Underwriter Trainee jobs? States with the most job openings for Remote Underwriter Trainee jobs include:
Infographic showing various Remote Underwriter Trainee job openings in the United States as of July 2026, with employment types broken down into 72% Full Time, 8% Part Time, and 20% Contract. Highlights an 42% Physical, 3% Hybrid, and 55% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Small Commercial Lines Associate Underwriter/Underwriter Trainee

Utica Mutual Insurance

New Hartford, NY • On-site, Remote

$41K - $61K/hr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 14 days ago


Utica National Insurance Group rating

5.8

Company rating: 5.8 out of 10

Based on 5 frontline employees who took The Breakroom Quiz

284th of 301 rated insurance


Job description

The Company  

At Utica National Insurance Group, 1,400 employees countrywide take our corporate promise to heart every day: To make people feel secure, appreciated, and respected.

Utica National Insurance Group is an "A" rated $2.0B award-winning, nationally recognized property & casualty insurance carrier.

Operating along the Eastern half of the United States, based in our Home Office in Central New York, with Regional Office locations including NYC, Dallas and Charlotte.

What you will do

We are seeking a detail-oriented and motivated individual to join our team as a Commercial Lines Associate Underwriter/Underwriter Trainee. In this role, you will be responsible for screening applications for missing information, contacting and working with agencies to obtain necessary information, and evaluating the acceptability of applications. You will also assist in the renewal process by reviewing loss activity and requesting and evaluating loss runs and driver lists. Additionally, you will be responsible for initiating cancellation notices and reviewing and screening loss control reports. This is a great opportunity for someone looking to start a career in underwriting and grow within our company.


Key responsibilities

  • Screen applications for missing information.
  • Contact and work with agency to obtain and make initial evaluation of acceptability based on received information.
  • Revise TAS worksheets and update as needed based on additional information obtained on the insured.
  • Request and evaluate loss runs.
  • Review loss activity on renewals.
  • Request driver list, order and evaluate motor vehicle reports.
  • Initiate cancellation notices.
  • Review and screen loss control reports. Compare and verify findings with underwriting file information (COPE, sales, payroll, number of employees, etc.). Update Underwriting Checklist as needed. Follow up on outstanding loss control recommendations.
  • Research insured’s website, social media sites and conduct a general search of internet.
  • Review and issue endorsements.
  • Set and follow up on diary items.
  • Prepare and send conditional renewal notices.
  • Identify and document marketing classifications.
  • Prepare quote proposals.
  • Import email, fax and reports into OnBase.
  • Follow up on reinsurance certificates.
  • Add SIC on Underwriting Checklist for Commercial Edge business.
  • Underwrite and issue designated small new non-flow regional business.
  • Underwrite and issue designated regional renewal business.
  • Review new business 45 day check list to ensure file is in order – reports ordered, outstanding items addressed and diaries are set.
  • Form and build relationships with agencies.

What you will need

  • High school diploma or equivalent; 2-4 year college preferred
  • Insurance agency or commercial insurance business background desired
  • Key Skills: logical, analytical, decision-making, self-motivated, organized

Salary range: $41,000-$61,500

The final salary to be paid and position within the internal salary range will take into consideration the individual’s work experience, geographic location, education, certification(s) or additional qualifications, and scope and responsibilities within the role.

Benefits:                              

We believe strongly that talented people are core to our success and are attracted to companies that provide competitive pay, comprehensive benefits packages, career advancement and challenging work opportunities. We offer a Comprehensive Benefits Plan for full time employees that include the following:

  • Medical and Prescription Drug Benefit
  • Dental Benefit
  • Vision Benefit
  • Life Insurance and Disability Benefits 
  • 401(k) Profit Sharing and Investment Plan (Includes annual Company financial contribution and discretionary Profit Sharing contribution based upon annual company financial results)
  • Health Savings Account (HSA) 
  • Flexible Spending Accounts 
  • Tuition Assistance, Training, and Professional Designations
  • Company-Paid Family Leave
  • Adoption/Surrogacy Assistance Benefit
  • Voluntary Benefits - Group Accident Insurance, Hospital Indemnity, Critical Illness, Legal, ID Theft Protection, Pet Insurance
  • Student Loan Refinancing Services
  • Business Travel Accident Insurance
  • Matching Gifts program
  • Paid Volunteer Day
  • Employee Referral Award Program
  • Wellness programs
  • Personal Insurance Discount

Additional Information:

This position is a full time salaried, exempt (non overtime eligible) position.

Utica National is an Equal Opportunity Employer.

Apply now and find out what it’s like to be a part of an amazing team, thrive in an exciting environment and work for a company you can be proud of. Once you complete your application, you can monitor your status in the hiring process by logging into your profile. A representative from our Talent Acquisition team will be in touch regarding any change in your candidacy.  

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