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Senior Underwriter Jobs (NOW HIRING)

illumifin

Senior Underwriter

Eden Prairie, MN · On-site +1

$70K/yr

The Senior Underwriter will examine, review, evaluate, classify and rate customer documents in order to determine compliance with company guidelines, underwriting criteria, philosophy, policy and ...

THIRD COAST BANK

Senior Underwriter

Houston, TX · On-site

$90K - $107K/yr

The Senior Underwriter will be a contributing member of the Commercial Underwriting team and will be viewed as a subject matter expert in a variety of industries and loan structures. This individual ...

THIRD COAST BANK

Senior Underwriter

Houston, TX · On-site

$90K - $107K/yr

The Senior Underwriter will be a contributing member of the Commercial Underwriting team and will be viewed as a subject matter expert in a variety of industries and loan structures. This individual ...

Jackson National Life

Sr. Underwriter

Lansing, MI

$99K - $118K/yr

Job Purpose The Sr Underwriter determines appropriate risk classification for policies based on collection of data, detailed research, and sound judgment using company underwriting criteria and ...

The Jackson National Life Insurance Company

$90 - $130/hr

Job Purpose The Sr Underwriter determines appropriate risk classification for policies based on collection of data, detailed research, and sound judgment using company underwriting criteria and ...

Brown & Brown, Inc.

Senior Underwriter

Fort Wayne, IN · On-site

$70 - $90/hr

Senior** **Underwriter** to join our growing team in **FT. Wayne, IN**. The **Senior Underwriter** operates at an intermediate level of underwriting skill and difficulty and will work independently ...

Cabrera Capital Markets

Senior Underwriter

Chicago, IL · On-site

$200K - $400K/yr

The Senior Underwriter supports both negotiated and competitive transactions by providing market analysis, structuring recommendations, pricing support, and coordination throughout the underwriting ...

Cabrera Capital Markets

Senior Underwriter

Chicago, IL · On-site

$101K - $120K/yr

The Senior Underwriter supports both negotiated and competitive transactions by providing market analysis, structuring recommendations, pricing support, and coordination throughout the underwriting ...

Craft3

Sr. Underwriter

Oregon, WI · On-site

$90 - $130/hr

We are looking for a Sr. Underwriter to join our amazing Craft3 team in the WA or OR Area. What We Offer At Craft3 we value our team members and offer a comprehensive benefits package that supports ...

NASW Assurance Services, Inc

Senior Underwriter

Frederick, MD · On-site

$97K - $115K/yr

POSITION SUMMARY ASI is seeking a seasoned, mission-driven Senior Underwriter to join our specialized team. This is a high-impact role responsible for evaluating complex professional liability risks ...

Arrowhead Programs

Senior Underwriter

$100K - $119K/yr

The Senior Underwriter operates at an intermediate level of underwriting skill and difficulty and will work independently under moderate direction from their assigned Underwriting Team Leader. The ...

Starr Insurance Companies

Senior Underwriter

Boston, MA · On-site

$150K/yr

The Senior Underwriter will be responsible for continued development and growth of the Wrap-Up book of business within Primary Construction. Senior Underwriter will be responsible for all aspects of ...

Brown & Brown Insurance

Senior Underwriter

$100K - $119K/yr

The Senior Underwriter operates at an intermediate level of underwriting skill and difficulty and will work independently under moderate direction from their assigned Underwriting Team Leader. The ...

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Senior Underwriter information

See salary details

$37K

$106.6K

$133.5K

How much do senior underwriter jobs pay per year?

As of Sep 5, 2026, the average yearly pay for senior underwriter in the United States is $106,601.00, according to ZipRecruiter salary data. Most workers in this role earn between $98,500.00 and $116,500.00 per year, depending on experience, location, and employer.

What does a senior underwriter do?

A Senior Underwriter is responsible for assessing and evaluating the risks involved in insuring individuals or assets and determining appropriate terms and premiums for insurance policies. They analyze complex applications, review financial statements, and use industry guidelines to make informed decisions. Senior Underwriters often handle higher-value or more complicated cases than junior staff, and they may also mentor less experienced underwriters and help develop underwriting policies. Their expertise helps insurance companies manage risk and maintain profitability.

What does a senior underwriter do?

As a senior underwriter, your responsibilities are to oversee the insurance or loan application process at an insurance company or financial institution. Your duties include deciding when to offer a policy, assessing the risk of a potential customer, and ensuring the company has adequate funds to finance each claim an account makes (whether that is paying out insurance claims or extending a line of credit). Senior underwriters often consider whether it is appropriate to offer a loan, coordinate with a bank on complex customer issues, proactively search for ways to reduce the risk of future claims, and participate in strategy meetings with staff. A significant amount of underwriting is automated, so you typically focus on cases that are too complex to be evaluated by existing algorithms.

What are some common challenges senior underwriters face when assessing complex risk profiles?

Senior Underwriters often encounter challenges when evaluating complex risk profiles, such as insufficient or ambiguous client data, rapidly changing market conditions, and evolving regulatory requirements. Balancing the need to be competitive with maintaining sound risk management practices requires in-depth analysis and strong judgment. Collaboration with actuaries, legal teams, and client managers is frequently necessary to make well-informed decisions, and effective communication skills are key to explaining underwriting decisions to stakeholders.

What is the difference between Senior Underwriter vs Underwriter?

AspectSenior UnderwriterUnderwriter
CredentialsTypically requires 5+ years of experience, relevant certifications (e.g., CPCU, ARM)Entry to mid-level experience, often with similar certifications or on-the-job training
Work EnvironmentSenior-level decision-making, mentorship, complex risk assessmentPerforming standard risk evaluations, supporting senior staff
Industry UsageUsed across insurance sectors like property, casualty, healthCommonly used in same sectors, often as entry or mid-level roles

Senior Underwriters typically have more experience, handle complex cases, and mentor junior staff, whereas Underwriters focus on standard risk assessments and supporting senior team members. Both roles are essential in the insurance industry, with the senior position requiring advanced credentials and experience.

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Senior Underwriter jobs near you
Infographic showing various Senior Underwriter job openings in the United States as of August 2026, with employment types broken down into 95% Full Time, 2% Part Time, and 3% Contract. Highlights an 69% Physical, 11% Hybrid, and 20% Remote job distribution, with an average salary of $106,601 per year, or $51.3 per hour.

Senior Underwriter

illumifin

Eden Prairie, MN • On-site, Remote

$70K/yr

Full-time

Posted 20 days ago

Key responsibilities

  • Review application and supporting documentation to ensure accuracy and completeness.

  • Analyze risk using established protocols, underwriting guidelines, and procedures to make approval, decline, or rating decisions.

  • Assist with the daily processing of cases and provide mentorship to lower level underwriters.

Illumifin rating

8.1

Company rating: 8.1 out of 10

Based on 21 frontline employees who took The Breakroom Quiz

113th of 247 rated software companies

Job description

The nation's leading administrator of long-term care insurance services is looking for YOU. This is your opportunity to join a company with a culture that promotes respect for people, integrity, learning and initiative.
WE ARE THE KIND OF EMPLOYER YOU DESERVE.
illumifin is a leading provider of business process outsourcing for the insurance industry, managing over 1.3 million long-term care policies for the nation's largest insurers. We also provide clients with unique risk management insight built upon our proprietary long-term care databases.
The Senior Underwriter will examine, review, evaluate, classify and rate customer documents in order to determine compliance with company guidelines, underwriting criteria, philosophy, policy and procedures. Ensures timeliness, accuracy and productivity levels established by management. Provides leadership to lower level underwriters in their file review and underwriting in accordance with established protocols and underwriting criteria.
SENIOR UNDERWRITER RESPONSIBILITIES:
  • Working under minimal supervision with a great deal of autonomy review application and supporting documentation to ensure accuracy and completeness.
  • Using established protocols, underwriting guidelines and procedures, analyzes risk, ensuring decisions are consistent with client and corporate guidelines and programs.
  • Approves, declines or rates the application within the established criteria, while utilizing clinical judgment.
  • Demonstrates knowledge to underwrite multiple clients accurately within the protocols specified for each client. Quickly but carefully read, analyze and interpret medication lists, medical records, phone and in-person assessments, cognitive test scores, MIB and Prescription profile results (where applicable) and properly document findings.
  • Assess risk of Long-Term Care using lifestyle, medical and cognitive information while processing a minimum of 50 cases weekly.
  • Demonstrates effective communication and customer service skills both internally and externally, that includes use of the notepad and log, appropriate wording of decline letters, professional verbal communication with coworkers, applicants and clients. Prepares responses to special needs letters to applicants and clients.
  • Assists with the daily processing for lower level underwriting staff, including mentoring, team conference and individual instruction utilizing the protocols and procedures established.

SENIOR UNDERWRITER QUALIFICATIONS:
  • BA, BS, RN or equivalent insurance industry experience
  • Minimum of 3 years LTC/Life, underwriting experience including working with agents
  • Strong command of Medical Terminology
  • Proficient PC skills
  • Typing speed of 50 WPM or better
  • Time management skills
  • Good analytical abilities
  • Ability to work independently as well as in a team
  • Strong communication skills

Senior Underwriter Preferred Qualifications
  • Long Term Care Professional designation or other Long-Term Care Insurance related designation
  • FLMI, ALU or CLU highly desirable
  • Experience with MIB and Prescription databases

The annual compensation range starts at $70,000 but can increase depending on experience and qualifications.

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