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Senior Insurance Underwriter Jobs in Rio Rancho, NM

AMERIND

Underwriter I

Bernalillo, NM

$53.12K - $79.69K/yr

Examines insurance applications, conduct research, collects background information, and make risk ... Renders decisions based on consultations with Senior Underwriters, managers, and upper management.

AMERIND

Underwriter I

Bernalillo, NM · On-site

$53.12K - $79.69K/yr

Examines insurance applications, conduct research, collects background information, and make risk ... Renders decisions based on consultations with Senior Underwriters, managers, and upper management.

AMERIND

Commercial Lines Underwriter

Bernalillo, NM · On-site

$58.44K - $87.65K/yr

Examines insurance applications, conduct research, collects background information, and make risk ... Renders decisions based on consultations with Senior Underwriters, managers, and upper management.

AMERIND

Commercial Lines Underwriter

Bernalillo, NM · On-site

$58.44K - $87.65K/yr

Examines insurance applications, conduct research, collects background information, and make risk ... Renders decisions based on consultations with Senior Underwriters, managers, and upper management.

HUB

Senior Account Manager

Albuquerque, NM

... underwriting services that make us a leading sales and service organization in the insurance ... The Senior Account Manager will work alongside a Producer to service and maintain existing accounts ...

HUB

Senior Account Manager

Albuquerque, NM

... underwriting services that make us a leading sales and service organization in the insurance ... The Senior Account Manager will work alongside a Producer to service and maintain existing accounts ...

Texas Roadhouse

To-Go

Santa Fe, NM · On-site

$89.70K - $106.10K/yr

Dental and Vision Insurance * Tuition Reimbursement up to $5,250 annually * Paid vacation time * Short-Term Disability * Life, Accident, and Critical Illness insurance * Identity Theft Protection

Texas Roadhouse

To-Go

Albuquerque, NM

$89.90K - $106.30K/yr

Dental and Vision Insurance * Tuition Reimbursement up to $5,250 annually * Paid vacation time * Short-Term Disability * Life, Accident, and Critical Illness insurance * Identity Theft Protection

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Senior Insurance Underwriter information

See Rio Rancho, NM salary details

$34.8K

$100.3K

$125.6K

How much do senior insurance underwriter jobs pay per year?

As of Jun 3, 2026, the average yearly pay for senior insurance underwriter in Rio Rancho, NM is $100,270.00, according to ZipRecruiter salary data. Most workers in this role earn between $92,600.00 and $109,600.00 per year, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a Senior Insurance Underwriter, and why are they important?

To thrive as a Senior Insurance Underwriter, you need deep expertise in risk assessment, policy analysis, and industry regulations, usually supported by a bachelor's degree in finance or a related field and several years of underwriting experience. Familiarity with underwriting software, statistical analysis tools, and certifications such as CPCU (Chartered Property Casualty Underwriter) are common requirements. Excellent decision-making, negotiation, and communication skills set top performers apart in this role. These capabilities ensure accurate risk evaluation, profitable policy issuance, and strong client and broker relationships in a competitive insurance market.

What are some common challenges faced by Senior Insurance Underwriters when assessing complex or high-value risks?

Senior Insurance Underwriters often encounter challenges when evaluating complex or high-value risks, such as incomplete client information, rapidly changing market conditions, and evolving regulatory requirements. They must exercise strong analytical skills and sound judgment to balance risk exposure with the company's profitability goals. Additionally, collaborating with sales teams, actuaries, and legal departments is essential to develop tailored solutions, which can add further complexity to the decision-making process. Staying current with industry trends and risk assessment tools helps underwriters navigate these challenges effectively.

What is a Senior Insurance Underwriter?

A Senior Insurance Underwriter is a professional responsible for evaluating and analyzing the risks involved in insuring people or assets, and determining appropriate policy terms and premiums. They review applications, assess financial documents, and use specialized software to decide whether to provide insurance coverage and at what cost. Senior underwriters typically handle more complex or high-value cases, mentor junior staff, and help develop underwriting guidelines. Their role is crucial in ensuring the insurance company maintains profitability while offering fair coverage to clients.

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

AspectSenior Insurance UnderwriterInsurance Underwriter
CredentialsTypically requires 3+ years experience, relevant certifications (e.g., CPCU)Entry to mid-level experience, often pursuing certifications
Work EnvironmentMore autonomous, decision-making authority, leadership rolesSupervised, focused on assessing and processing applications
Employer & Industry UsageUsed in insurance companies, brokerage firms, and reinsuranceCommon in same settings, often as entry-level or mid-level roles

The main difference between a Senior Insurance Underwriter and an Insurance Underwriter lies in experience, decision-making authority, and responsibilities. Senior Underwriters typically have more experience, greater autonomy, and may oversee complex cases or mentor junior staff, whereas Insurance Underwriters focus on evaluating applications under supervision. Both roles are essential in the insurance industry, with the senior position representing a higher level of expertise and leadership.

What are popular job titles related to Senior Insurance Underwriter jobs in Rio Rancho, NM? For Senior Insurance Underwriter jobs in Rio Rancho, NM, the most frequently searched job titles are:
What job categories do people searching Senior Insurance Underwriter jobs in Rio Rancho, NM look for? The top searched job categories for Senior Insurance Underwriter jobs in Rio Rancho, NM are:
What cities near Rio Rancho, NM are hiring for Senior Insurance Underwriter jobs? Cities near Rio Rancho, NM with the most Senior Insurance Underwriter job openings:
Senior Insurance Underwriter jobs near you
Underwriter I

Underwriter I

AMERIND

Bernalillo, NM

$53.12K - $79.69K/yr

Full-time

Posted 21 days ago

Job description

Position Characteristics and Competencies
  • Customer Focused
  • Detailed Oriented
  • Technical Knowledge and Skills
  • Planning and Organizing
  • Communication Skills (verbal and written)
  • Analytical and Decision-making skills
  • Interpersonal Skills
  • Math skills
Job Summary
Review individual applications for insurance to evaluate the degree of risk involved, determine acceptance of applications, coverage amounts and premium for personal or commercial lines business. Responsible for retention of new and existing business in accordance with company underwriting philosophy and individual level of authority. This individual also maintains positive and professional relationships with broker partners, third party administrators or financial institutions.
This job description does not represent an inclusive list of all duties encompassed in this position.
Job Responsibilities
  • Examines insurance applications, conduct research, collects background information, and make risk assessments.
  • Negotiates with the customer regarding premium, coverage limits, coverages, and the terms and conditions of the proposed insurance policy.
  • Underwrites various types of insurance policies for individuals, businesses, or equity pool members.
  • Calculates premiums and establish payment method. Appropriately prices all new and renewal applications.
  • Makes final determination, within company guidelines, on risk acceptability for new and renewal applications.
  • Interacts with policyholders to deliver and explain policy.
  • Ensures policy requirements are met, including any necessary completion of appropriate forms.
  • Evaluates property, examining its general condition, type of construction, age, and other characteristics, to decide if it is a good insurance risk.
  • Creates endorsements and coverage documents for clients.
  • Performs administrative tasks, such as answering phones, maintaining records and handling policy renewals.
  • Renders decisions based on consultations with Senior Underwriters, managers, and upper management.
  • Participates in cross-functional team training.
  • Performs other duties as assigned.
Supervision of Others
N/A
Minimum Qualifications
  • High School Diploma or GED required .
  • Bachelor’s Degree in Business Administration, related field, or equivalent experience
  • A minimum of three years of underwriting experience.
  • Insurance Associate in Underwriting (AU) Professional Designation preferred.
  • Valid driver’s license.
  • No felony, theft, or fraud convictions.
  • Must be able to successfully pass a background investigation.
Additional Eligibility Requirements
  • New employees must complete the Associate in Insurance (AINS) designation within six months from the end of the 90-day evaluation period to be eligible for advancement and incentive compensation.
  • For continued employment, employees must complete an elective course and six hours of professional development within 12 months after the end of the 90-day evaluation period.
Knowledge/Skills/Abilities
  • Strong written and oral communication skills.
  • Strong ability to multi-task assisting in multiple duties or projects.
  • Strong presentation skills.
  • Knowledge of underwriting techniques.
  • Knowledge of department organization, functions, objectives, policies, and procedures.
  • Knowledge of commercial/residential construction codes and techniques.
  • Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization.
  • Ability to work independently and meet timelines.
  • Ability to create and edit written material.
  • Knowledge of principles and processes for providing customer services.
  • Skill in providing excellent customer service.
  • Ability to work as a team member in a structured working environment.
  • Ability to work with timeliness and thoroughness.
  • Skill in operating business computers and office machines, in a Windows environment, specifically Word, Excel and presentation software (such as PowerPoint).
Working Conditions amp; Physical Demands
  • Travel required 10% of time; COVID-19 vaccination preferred.
  • Typical business office setting with moderate noise level and outdoor settings with a high noise level.
  • Non-office environment may be encountered for offsite presentations and support of company activities.
  • Must be able to sit for work at a computer for more than 6 hours per day.
  • Must be able to use hands for dexterity of motion and reach with hands and arms. Extensive use of computer keyboards.
  • Frequently required to talk and hear.
  • Must have ability to occasionally lift 10+ lbs.
Physical Exam
Not required for this position.

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