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Underwriter Jobs (NOW HIRING)

CIS Oregon

Underwriter

Wilsonville, OR · On-site

$100K - $137K/yr

Underwriting and Data Analytics Opening Date: 07/09/2026 Closing Date: 8/6/2026 12:00 PM Pacific Description Are you an experienced insurance underwriting professional looking for an opportunity to ...

CIS Trust

Underwriter

Wilsonville, OR · Hybrid

$100K - $137K/yr

CIS is seeking an exceptional Underwriter III, Underwriter IV, or Underwriter V to join our Underwriting & Analytics team. This role offers the opportunity to apply your technical underwriting ...

Authentic

Underwriter

Dayton, OH · On-site

We are seeking a motivated and analytical Underwriter to join our growing team. This role is ideal for someone with strong commercial insurance experience who is looking to take ownership of accounts ...

Go McPherson

Underwriter

Mcpherson, KS · On-site

SUMMARY Underwrite a profitable and growing book of business with acceptable loss and expense ratios, while maintaining good overall agency relationships. Support corporate goals and objectives.

Societe Generale

Underwriter

New York, NY · On-site

We are seeking a highly analytical and detail-oriented CMBS Underwriter to support the underwriting, structuring, and execution of commercial real estate loans across a diverse set of property types ...

Go McPherson

Underwriter

Mcpherson, KS

SUMMARY Underwrite a profitable and growing book of business with acceptable loss and expense ratios, while maintaining good overall agency relationships. Support corporate goals and objectives.

Captive Resources

Underwriter

Itasca, IL · On-site +1

The Underwriter is responsible for evaluating and underwriting stop-loss insurance. The role involves analyzing medical risk, pricing policies, and making recommendations based on a thorough ...

Willamette Dental

Underwriter

Hillsboro, OR · On-site

The Underwriter will evaluate group risks for existing clients and new group opportunities. This position analyzes and accepts risk in order to retain membership, grow revenue and help maintain a ...

Captive Resources

Underwriter

Itasca, IL

$100K - $135K/hr

The Underwriter is responsible for evaluating and underwriting stop-loss insurance. The role involves analyzing medical risk, pricing policies, and making recommendations based on a thorough ...

Ryan Specialty

Underwriter

New York, NY · On-site +1

Position Summary The Underwriter - Lawyer Professional Liability is responsible for supporting the underwriting of Professional Liability risks for law firms by ensuring the accuracy of policy data ...

Captive Resources

Underwriter

Itasca, IL

$100K - $135K/hr

The Underwriter is responsible for evaluating and underwriting stop-loss insurance. The role involves analyzing medical risk, pricing policies, and making recommendations based on a thorough ...

Indecomm Global Services

Underwriter

Underwriter Classification: Non-Exempt /Full-Time Location: Remote "Indecomm is an Equal Employment Opportunity Employer" :The underwriter will review regulatory compliance with disclosures, validate ...

Kings Mortgage Services

Underwriter

Santa Ana, CA

$85K - $95K/yr

Description The Wholesale Underwriter is responsible for reviewing and evaluating residential mortgage loan applications submitted through third-party brokers to ensure compliance with company ...

Temple View Capital LLC

Underwriter

Bethesda, MD · Hybrid

$80K - $90K/yr

We seek an Underwriter with a demonstrated track record of reviewing, analyzing, and decisioning BPL mortgage loan files to join our existing underwriting team. In this role, the Underwriter joins a ...

Iatinsurancegroup

Underwriter

Jersey City, NJ · Hybrid

$55K - $120K/yr

The Underwriter will be part of a team responsible for overseeing and auditing Managing General Agent (MGA) underwriting activities to ensure adherence to underwriting authority, company guidelines ...

Iatinsurancegroup

Underwriter

Alpharetta, GA · Hybrid

$55K - $120K/yr

The Underwriter will be part of a team responsible for overseeing and auditing Managing General Agent (MGA) underwriting activities to ensure adherence to underwriting authority, company guidelines ...

Iatinsurancegroup

Underwriter

Milwaukee, WI · Hybrid

$55K - $120K/yr

The Underwriter will be part of a team responsible for overseeing and auditing Managing General Agent (MGA) underwriting activities to ensure adherence to underwriting authority, company guidelines ...

Starr Insurance Companies

Underwriter

Alpharetta, GA · On-site

Review, analyze, and underwrite cyber submissions for a range of client profiles and industries, including primary and excess placements. * Underwriting Decisions: Determine risk acceptability ...

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All JobsUnderwriter Jobs

Underwriter information

See salary details

$32.5K

$78.9K

$139.5K

How much do underwriter jobs pay per year?

As of Jul 20, 2026, the average yearly pay for underwriter 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 is the difference between Underwriter vs Actuary?

AspectUnderwriterActuary
Required CredentialsInsurance license, sometimes certifications like CPCUFellowship in SOA or CAS, actuarial exams
Work EnvironmentInsurance companies, underwriting departmentsConsulting firms, insurance companies, financial institutions
Industry UsageCommon in insurance, bankingPrimarily in insurance, pensions, finance
Job FocusAssessing risk for policy approvalAnalyzing statistical data to predict future risks

While both underwriters and actuaries work in the insurance industry assessing risk, underwriters focus on evaluating individual insurance applications and approving policies. Actuaries analyze large data sets to forecast future risks and set premium rates. Their roles complement each other but require different certifications and skill sets.

What Do Underwriters Do?

The most common underwriters work for insurance companies or financial institutions to evaluate financial risk for insurance policies or loans. They review applications and paperwork and can approve or deny the request based on a set of three criteria--credit reputation, capacity to repay the loan, and collateral value. Underwriters check the applicant’s credit report and credit history, weight their annual salary with the cost of the loan or policy, and determine the loan-to-value ratio. Using these factors, they may approve the application, suspend it until further stipulations are met, or deny it.

Other kinds of underwriters include equity underwriters who administer the distribution of securities, and debt securities underwriters who buy government bonds and other debt securities and sell them for a profit.

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

To thrive as an Underwriter, you need strong analytical skills, attention to detail, and a background in finance, business, or a related field, often supported by a bachelor's degree. Proficiency with underwriting software, risk assessment tools, and industry certifications such as CPCU or ARM is highly valued. Excellent decision-making, negotiation, and communication skills help underwriters effectively assess risk and interact with clients or agents. These skills are essential for accurately evaluating applications, minimizing financial risk, and supporting organizational profitability.

What does an underwriter do?

An underwriter evaluates the risk of insuring a person, property, or company and decides whether to provide insurance or a loan, and at what terms. They analyze applications, review financial and background information, and use statistical data to determine the likelihood of a loss. Underwriters play a key role in banking, insurance, and mortgage industries, ensuring that risks are carefully assessed to protect their organization from potential losses.

What are some common challenges faced by underwriters in balancing risk assessment and business goals?

Underwriters often face the challenge of thoroughly assessing risk while also supporting their company's business objectives, such as meeting production goals or maintaining client relationships. This requires a careful analysis of data, attention to detail, and effective communication with agents or brokers to clarify information and negotiate terms. Balancing these priorities can be demanding, but successful underwriters develop strong analytical skills and the ability to make judicious decisions under time constraints. Collaboration with other departments, such as claims and sales, is also key to ensuring both risk management and business targets are achieved.
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Underwriter jobs near you
Infographic showing various Underwriter job openings in the United States as of July 2026, with employment types broken down into 94% Full Time, and 6% Part Time. Highlights an 74% In-person, 13% Hybrid, and 13% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Underwriter

CIS Oregon

Wilsonville, OR • On-site

$100K - $137K/yr

Full-time

Posted 11 days ago

Job description

Salary: $100,092.00 - $137,311.00 Annually
Location : 30125 SW Kinsman Road, Wilsonville, OR 97070, OR
Job Type: Regular Full-time
Job Number: 2026 - 2027 1
Department: Underwriting and Data Analytics
Opening Date: 07/09/2026
Closing Date: 8/6/2026 12:00 PM Pacific
Description
Are you an experienced insurance underwriting professional looking for an opportunity to make a meaningful impact while advancing your career?
CIS is seeking an exceptional Underwriter III, Underwriter IV, or Underwriter V to join our Underwriting & Analytics team. This role offers the opportunity to apply your technical underwriting expertise, influence risk management strategies, collaborate with industry professionals, and help deliver innovative coverage solutions that protect Oregon's public entities and the communities they serve.
If you're energized by analyzing complex risks, exercising sound underwriting judgment, and partnering with stakeholders to develop practical solutions, we invite you to explore this exciting opportunity.
Position Highlights/Job Description
Why CIS?
At CIS, our work matters. We provide essential risk management, insurance, and related services to public entities throughout Oregon. Our team is committed to helping members navigate evolving risks while delivering outstanding service.
When you join CIS, you'll enjoy:
  • Meaningful work that supports local governments and public services.
  • A collaborative and mission-driven culture.
  • Opportunities to influence underwriting strategy and decision-making.
  • Exposure to complex and unique public entity risks.
  • Professional development and industry networking opportunities.
  • Cross-functional collaboration with risk management, claims, actuarial, finance, and member service professionals.
  • A healthy work-life balance, including a 37.5-hour workweek.
    • During training, you may be required to work up to three (3) days per week in our Wilsonville Office. After the training period, the number of days required in the office may be reduced. Other days may be worked remotely from your Oregon residence.

Position Summary
The Underwriter III, Underwriter IV, or Underwriter V serves a critical role in evaluating and managing property and liability risks while supporting the organization's underwriting strategy and operational excellence.
This position applies increasingly advanced underwriting expertise based on level, evaluates complex submissions, provides technical guidance, reviews property valuation information, supports underwriting systems and data integrity, and partners with internal and external stakeholders to achieve successful risk management outcomes. Senior-level incumbents additionally contribute to underwriting program development, strategic initiatives, member engagement, and organizational leadership.
Key Responsibilities
Underwriting & Risk Analysis
  • Analyze and evaluate complex property and liability risks.
  • Apply underwriting judgment to determine appropriate coverage terms, limits, pricing, and conditions.
  • Review non-standard or unusual exposures and develop recommendations.
  • Communicate underwriting decisions and rationale to members, brokers, reinsurers, and internal stakeholders.
  • Review and analyze coverage documents to determine how and if coverage applies.
  • Evaluate prospective members for program eligibility consistent with CIS policies and governing documents.

Property & Exposure Management
  • Manage and oversee the property appraisal process.
  • Review valuation methodologies, schedules, and appraisal data for reasonableness and accuracy.
  • Identify discrepancies, trends, and emerging risk concerns

Technical Leadership
  • Serve as a subject matter expert for underwriting systems and data.
  • Provide guidance to underwriting staff regarding complex submissions and guideline interpretation.
  • Support consistency and quality across underwriting operations.
  • Mentor and support less experienced underwriting staff as appropriate to position level.

Strategic Contributions
  • Assist with development of underwriting guidelines, program enhancements, and rating methodologies.
  • Partner with internal teams to improve workflows, systems, reporting, and operational effectiveness.
  • Participate in industry conferences, member meetings, and professional development opportunities.
  • Recommend changes to underwriting programs, rating plans, policies, procedures, coverages, and partnerships to meet evolving member needs.
  • Monitor underwriting marketplace and regulatory developments and recommend enhancements to CIS programs and services.
  • Collaborate with reinsurers, actuaries, auditors, loss data analysts, risk management professionals, and legal partners.
  • Provide underwriting data, analysis, and reports to internal and external stakeholders.
  • Represent CIS through presentations, member meetings, conferences, and industry events.

Qualifications
Underwriter III
We're looking for strong underwriting professionals who bring:
Required
  • 5-6 years of commercial insurance underwriting experience, public entity underwriting experience, or closely related insurance experience.
  • Demonstrated ability to evaluate risk and make sound underwriting decisions.
  • Strong knowledge of property and liability underwriting principles.
  • Excellent analytical, problem-solving, and communication skills.
  • Bachelor's degree or equivalent combination of education and experience.

Preferred (Not Required)
Candidates with any of the following qualifications are encouraged to apply:
  • CPCU designation
  • ARM designation
  • AU/AIU or similar underwriting designation
  • Property & Casualty Insurance License
  • Experience working in a risk pool environment
  • Risk management or insurance services experience
  • Experience with public entity or governmental risks

Underwriter IV
For candidates seeking placement at the Underwriter IV level:
Required
  • 7-8+ years of progressively responsible underwriting experience
  • Advanced technical underwriting expertise
  • Demonstrated ability to handle highly complex risk situations and provide technical guidance to others
  • Bachelor's degree or equivalent combination of education and experience
  • At least ONE of the following professional qualifications:
    • Chartered Property Casualty Underwriter (CPCU)
    • Associate in Risk Management (ARM)
    • Associate in Commercial Underwriting (AU/AIU) or similar designation
    • Property & Casualty Insurance License

Underwriter V
For candidates seeking placement at the Underwriter V level:
Required
  • 10+ years of progressively responsible experience in commercial insurance underwriting, public entity pooling, risk management, or a related field.
  • Expert knowledge of property and liability underwriting principles and coverage analysis.
  • Proven ability to independently handle highly complex underwriting situations and develop practical risk management solutions.
  • Demonstrated ability to recommend enhancements to underwriting programs, coverages, rating methodologies, policies, and procedures.
  • Strong relationship management and communication skills, including the ability to effectively work with members, brokers, agents, reinsurers, auditors, actuaries, and executive stakeholders.
  • Bachelor's degree or equivalent experience in insurance administration, business management, or a related field.
  • At least ONE of the following professional qualifications:
    • Chartered Property Casualty Underwriter (CPCU)
    • Associate in Risk Management (ARM)
    • Associate in Commercial Underwriting (AU/AIU) or similar designation
    • Property & Casualty Insurance License

Preferred
  • Experience working in a public entity pool or similar risk-sharing organization.
  • Risk management or insurance services experience.
  • Experience with public sector, municipal, governmental, or other complex institutional risks.

The Ideal Candidate
You are:
  • A confident underwriting professional who enjoys solving complex challenges.
  • Comfortable making decisions and explaining your reasoning.
  • Relationship-focused and highly collaborative.
  • Curious, analytical, and committed to continuous improvement.
  • Passionate about helping organizations effectively manage risk.
  • Excited to contribute beyond day-to-day underwriting and help shape strategy for the future.
  • Able to influence underwriting practices, mentor colleagues, and contribute to organizational success at a strategic level.

Position Level:
Candidates may be hired at the Underwriter III, Underwriter IV, or Underwriter V level based on experience, credentials, demonstrated expertise, and organizational needs.
  • Underwriter III: Typically requires 5-6 years of related underwriting experience.
  • Underwriter IV: Typically requires 7-8+ years of related underwriting experience and at least one listed professional credential.
  • Underwriter V: Typically requires 10+ years of progressively responsible underwriting experience, advanced technical expertise, demonstrated success managing highly complex risks, and the ability to contribute to underwriting program strategy and organizational initiatives.

CIS offers a competitive benefits package, professional development opportunities, and a supportive workplace focused on employee success.
I'M INTERESTED; WHAT DO I DO NEXT?
Interested in Joining CIS? Here's What to Do Next:
Applying is easy! CIS uses a "quick apply" process - simply submit your resume and answer a few brief questions through our
To learn more about this opportunity and about working at CIS, visit our
This recruitment may be used to fill current and future vacancies within CIS.
Equal Opportunity & Accommodations
CIS is an equal opportunity employer and is committed to providing reasonable accommodations to qualified individuals with disabilities throughout the hiring process and employment.
01
How many years of underwriting experience do you have?
  • Less than 5 years
  • 5-6 years
  • 7-9 years
  • 10 or more years

02
Do you have experience underwriting commercial property and liability risks?
  • Yes
  • No

03
Do you have experience working in a public entity, governmental, municipal, educational, special district, or risk pool environment?
  • Yes
  • No

Required Question

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