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Senior Underwriter Jobs in Rochester, MI (NOW HIRING)

AD Mortgage

Senior Underwriter

Troy, MI

$93K - $110K/yr

Ensures that Company operating standards are met for underwriting and compliance by utilizing internal and external (e.g., agency) policies and procedures * Reviews applications and all pertinent ...

AD Mortgage

Government Senior Underwriter

Troy, MI · Remote

$93K - $110K/yr

Ensures that Company operating standards are met for underwriting and compliance by utilizing internal and external (e.g., agency) policies and procedures * Reviews applications and all pertinent ...

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All JobsUnderwriter JobsSenior Underwriter JobsSenior Underwriter Jobs in Rochester, MI

Senior Underwriter information

See Rochester, MI salary details

$34.1K

$98.1K

$122.9K

How much do senior underwriter jobs pay per year?

As of Jul 28, 2026, the average yearly pay for senior underwriter in Rochester, MI is $98,121.00, according to ZipRecruiter salary data. Most workers in this role earn between $90,700.00 and $107,200.00 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 is the highest salary for underwriters?

Senior underwriters can earn salaries up to $150,000 or more annually, depending on experience, industry, and location. High-level underwriters with specialized skills or working in financial services or insurance companies tend to have higher compensation. Bonuses and profit-sharing can also significantly increase total earnings for experienced professionals.

How much do senior underwriters make in the US?

Senior underwriters in the US typically earn between $80,000 and $130,000 annually, depending on experience, industry, and location. They often require strong analytical skills and industry certifications such as CPCU or ARM to advance and increase earning potential.

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.

Is an underwriter a stressful job?

A senior underwriter's role involves assessing risk and making critical decisions, which can be stressful due to tight deadlines and high responsibility. The job often requires attention to detail, strong analytical skills, and the ability to handle pressure, especially during busy periods or complex cases.

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.

How much does a senior underwriter get paid?

A senior underwriter typically earns between $80,000 and $130,000 annually, depending on experience, industry, and location. They often have advanced knowledge of underwriting principles and may hold professional certifications such as CPCU or ARM.

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

To thrive as a Senior Underwriter, you need advanced analytical skills, deep knowledge of risk assessment, and a strong background in finance or insurance, often supported by a relevant degree and industry certifications such as CPCU. Experience with underwriting software, data analysis tools, and familiarity with regulatory compliance systems is typically required. Strong decision-making, negotiation abilities, and effective communication are crucial soft skills for collaborating with clients and colleagues. These skills ensure accurate risk evaluation, profitable portfolio management, and strong client relationships in a competitive insurance environment.

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.

More about Senior Underwriter jobs
What are the most commonly searched types of Underwriter jobs in Rochester, MI? The most popular types of Underwriter jobs in Rochester, MI are:
What are popular job titles related to Senior Underwriter jobs in Rochester, MI? For Senior Underwriter jobs in Rochester, MI, the most frequently searched job titles are:
What cities near Rochester, MI are hiring for Senior Underwriter jobs? Cities near Rochester, MI with the most Senior Underwriter job openings:
Senior Underwriter jobs near you
Infographic showing various Senior Underwriter job openings in Rochester, MI as of July 2026, with employment types broken down into 88% Full Time, 9% Part Time, and 3% Contract. Highlights an 90% Physical, 4% Hybrid, and 6% Remote job distribution, with an average salary of $98,121 per year, or $47.2 per hour.

Senior Underwriter

PURE Group of Insurance Companies

Warren, MI • On-site

Full-time

Posted 18 days ago

Job description

About the Role:

The Senior Underwriter is a key member of the underwriting team reporting to the Regional Underwriting Manager. The primary goal of this position is to profitably grow a book of business by actively partnering with Agents and working effectively with colleagues throughout the organization. This person will plan and budget for the book of business, develop and maintain agency relationships, and execute underwriting decisions.

What You'll Do:

No matter the role, delivering exceptional service is the priority in everything we do at PURE. As a Senior Underwriter, this looks like:

  • Business Management: Reviewing your book of business, tracking performance, and analyzing market conditions and competition.
  • Broker Partnership: Building and managing broker relationships, developing goals and strategies, and collaborating to craft tailored solutions for members.
  • Underwriting Execution: Oversee new and renewal underwriting, select risks per company guidelines, and ensure timely follow-up and closing of accounts.

What You'll Need:

You have at least 5 years of experience underwriting, preferably in the high net worth space and you are comfortable owning a book of business. Direct, empathetic communication is a staple in every aspect of your day, and you thrive on building connections with people. You know how to gather and analyze all the data you'll need to make a decision on a risk. You work with pride and determination.

What We Do

We're a member-owned property and casualty insurer designed exclusively for financially successful families and driven by a purpose of doing what is right for our members. We provide exceptional service, hospitality and care, we partner with our members to help prevent losses and we create smart insurance solutions at fair prices.

We aim for our members to love their insurance. It is our mission is to create a membership experience so compelling that our members never want to leave.

Who We Are

We want to be transparent about what we expect from each other. From PURE, you can expect:


Opportunities to stretch and grow: your professional and personal development matters to us. We're committed to providing experiences through on-the-job learning and professional development that increase your impact and rewards.


Clarity and kindness: you can rely on us to be open, honest and supportive, offering clarity on what success looks like.


Support in good times and bad: we believe in showing up for each other consistently, not only when it's easy. You can expect a thoughtful partner, even when we disagree.


A community that cares: we are committed to sustaining a community in which each person feels cared for as an individual. We lift each other up, celebrate wins together and support one another through challenges in work and life.

Who You Are

All of the strongest relationships are a partnership- a two way street. So here's what we ask of you:

  • Aim to bring your best every day: you're here because you want to be part of a team that makes a real impact and aims high.
  • Be a student and a teacher: share your knowledge and talents and be willing to listen and learn from those around you.
  • Get comfortable being uncomfortable: we face tough moments and obstacles with a "courage over comfort" approach and a positive, solutions-oriented mindset.
  • Be a culture builder: building a positive culture is everyone's responsibility, based on care, respect and openness to diverse perspectives.
The base salary for this role can range from $75,000 to $0 based on a full-time work schedule. An individual's ultimate compensation will vary depending on job-related skills and experience, geographic location, alignment with market data, and equity among other team members with comparable experience.

Want to Learn More?

  • [Our Values]
  • [Our Benefits]
  • [Our Community Impact]
  • [Our Leadership]

Apply