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Underwriter 4 Jobs (NOW HIRING)

PNC Bank

Underwriter IV - Commercial

Roseville, CA · On-site

$91K - $202K/yr

As an Underwriter IV - Commercial within PNC's Regional Credit Products Group organization, you will be based in Los Angeles, Irvine, or Roseville, CA. PNC is an in-office company that fosters a ...

PNC Bank

Underwriter IV - Commercial

Los Angeles, CA

$91K - $202K/yr

As an Underwriter IV - Commercial within PNC's Regional Credit Products Group organization, you will be based in Los Angeles, Irvine, or Roseville, CA. PNC is an in-office company that fosters a ...

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 ...

PNC Bank

Underwriter IV - Commercial

Irvine, CA

$91K - $202K/yr

As an Underwriter IV - Commercial within PNC's Regional Credit Products Group organization, you will be based in Los Angeles, Irvine, or Roseville, CA. PNC is an in-office company that fosters a ...

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All JobsUnderwriter 4 Jobs

Underwriter 4 information

See salary details

$32.5K

$78.9K

$139.5K

How much do underwriter 4 jobs pay per year?

As of Aug 12, 2026, the average yearly pay for underwriter 4 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 career progression for an Underwriter 4?

An Underwriter 4 typically advances to senior underwriting roles, such as Senior Underwriter or Underwriting Manager, by gaining experience, developing specialized expertise, and demonstrating leadership skills. Progression may also involve moving into risk management, underwriting strategy, or supervisory positions within the insurance or financial services industry.

What are the key skills and qualifications needed to thrive as an Underwriter 4?

To thrive as an Underwriter 4, you need advanced expertise in risk assessment, financial analysis, and industry-specific underwriting guidelines, typically supported by a bachelor's degree in finance, business, or a related field. Proficiency with underwriting software, spreadsheet tools like Excel, and knowledge of regulatory compliance systems is crucial. Strong analytical thinking, attention to detail, and effective communication skills help an underwriter excel in evaluating complex cases and collaborating with clients or internal teams. These skills ensure accurate risk evaluation, informed decision-making, and compliance with company and regulatory standards.

What is an Underwriter 4?

An Underwriter 4 is a senior-level insurance or loan underwriter responsible for evaluating and analyzing the risks involved in insuring people or assets and making decisions on complex or high-value applications. This position typically involves reviewing applications, assessing risk, setting appropriate premiums or loan terms, and ensuring compliance with company policies and regulations. Underwriter 4s often mentor junior underwriters, handle escalated cases, and may contribute to developing underwriting guidelines or processes. They usually have several years of experience and advanced knowledge of risk assessment. Their expertise helps organizations minimize risk while remaining competitive in the market.

What are some common challenges Underwriter 4s face when evaluating complex loan applications?

Underwriter 4s often encounter challenges such as interpreting nuanced financial statements, assessing unique or non-standard collateral, and staying updated with changing regulations. They are expected to handle large, intricate portfolios and balance risk analysis with business objectives. Collaboration with loan officers, risk managers, and legal teams is essential to ensure thorough and compliant decisions, and strong communication skills are needed to clarify requirements to both internal stakeholders and clients.

What is the difference between Underwriter 4 vs Underwriter 3?

AspectUnderwriter 4Underwriter 3
Required CredentialsTypically requires a bachelor's degree and relevant industry certificationsSame as Underwriter 4, often with additional specialized certifications
Work EnvironmentCorporate office, insurance companies, financial institutionsSimilar, with more complex cases handled
Employer & Industry UsageCommon in large insurance firms and financial servicesUsed interchangeably, with Underwriter 4 handling higher complexity
Job ResponsibilitiesEvaluates and approves insurance applications, manages riskPerforms similar tasks but with increased decision-making authority

Underwriter 4 typically handles more complex cases and has greater decision-making authority compared to Underwriter 3. Both roles require similar credentials and work environments, but Underwriter 4 often manages higher-value policies and risk assessments, reflecting increased experience and expertise.

More about Underwriter 4 jobs
What cities are hiring for Underwriter 4 jobs? Cities with the most Underwriter 4 job openings:
What states have the most Underwriter 4 jobs? States with the most job openings for Underwriter 4 jobs include:
What job categories do people searching Underwriter 4 jobs look for? The top searched job categories for Underwriter 4 jobs are:
Underwriter 4 jobs near you
Infographic showing various Underwriter 4 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 70% Physical, 10% Hybrid, and 20% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

DE Underwriter IV

Paramount Residential Mortgage Group

Corona, CA • Remote

$85K - $105K/yr

Full-time

Medical, Dental, Vision, Life, Retirement

Re-posted 11 days ago

Job description

Overview

We are always searching for talented Underwriters to join our team. One of the biggest benefits about Underwriting with PRMG is that we encourage remote Underwriting, and you can work for us from anywhere in the nation.  We are proud to say PRMG has one of the most aggressive bonus structures for Underwriters in the industry.  Our Bonus structure has allowed some of our underwriters to double their base salary per year.  Lastly, we are big on Work Life Balance and Teamwork here, our Underwriters work on a pod system that creates a positive work environment that allows Underwriters the perfect conditions for success and growth.

PRMG offers a comprehensive benefits package for our full-time employees and their dependents, which includes medical, dental, vision, life insurance, short-term disability, long-term disability, a Health Savings Account (HSA), a Flexible Spending Account (FSA), and various other products, based on benefits eligibility, elections, and employee premiums. Upon hire, you will be eligible to enroll in all our company-sponsored benefit programs (Medical, Dental, Life, and Voluntary) on the first of the following month. After completing 60 days, you will be eligible to enroll in our 401(k) program on the first of the following month. Additionally, eligible employees may apply for job openings through PRMG's Internal and External Job Portal to request a transfer to a different department or position.

Responsibilities

Mortgage Underwriter Responsiblities

  • Underwriter completes a thorough analysis of loan files to determine compliance with company, investor, and FHA/VA guidelines.
  • Underwrites the entire credit package and collateral for residential mortgage loans and ultimately ensures an "investment" quality loan product.
  • Checks accuracy of all calculations and data integrity. Completion of all required underwriting worksheets found in Fast Trac 360 Resource Center.
  • Assists with the training of new underwriters. - Recommends the loan disposition to underwriting manager for loan amounts in excess of authority limitation.
  • Maintains company standard for Underwriter productivity level, and complies with company policy of 48 hour underwriting turnaround time and 24 hour turnaround time for clearing conditions.
  • Strives to meet 3 Underwriting decisions/day within allotted time - Communicates decision on loans to appropriate parties both verbally and in writing.
  • Maintains underwriting activity logs and provides monthly underwriting report to underwriting manager.
  • Available to processors and correspondents for general Underwriter guideline interpretations and questions on specific loan files.
  • Responds to post closing reviews and audits in a timely fashion.
  • Performs related duties, as directed by Underwriter or Operations Manager.
Qualifications

Mortgage Underwriter Qualifications

  • Minimum three years of mortgage underwriting experience, with solid working knowledge of underwriting guidelines.
  • Experience Underwriting private investor and private mortgage insurance guidelines.
  • Strong interpersonal-communication and business-relationship skills.
  • Detail oriented with strong organizational and follow-through skills.
  • Excellent analytical, written communication and verbal communication skills.
  • Technologically proficient.
  • Bachelor's degree in related field or equivalent professional experience.

At PRMG, we not only celebrate and support differences, we thrive on it for the benefit of our employees, our products, and our community. We are proud to be a workplace that provides equal employment opportunities to all employees and applicants and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, marital status, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws.

MinUSD $85,000.00/Yr.MaxUSD $105,000.00/Yr.Employment Type: FULL_TIME

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