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Underwriter Development Program Jobs in Florida (NOW HIRING)

Seacoast Bank

Mortgage Loan Underwriter

Miami, FL · On-site

Underwrite conventional and government loan products (FNMA, Freddie Mac, FHA, VA, USDA/Rural Development, and applicable portfolio or specialty programs) with a focus on investment-quality and ...

Seacoast Bank

Mortgage Loan Underwriter

Tampa, FL

Underwrite conventional and government loan products (FNMA, Freddie Mac, FHA, VA, USDA/Rural Development, and applicable portfolio or specialty programs) with a focus on investmentquality and salable ...

Seacoast Bank

Mortgage Loan Underwriter

Stuart, FL · On-site

Underwrite conventional and government loan products (FNMA, Freddie Mac, FHA, VA, USDA/Rural Development, and applicable portfolio or specialty programs) with a focus on investmentquality and salable ...

Seacoast Bank

Mortgage Loan Underwriter

Naples, FL

Underwrite conventional and government loan products (FNMA, Freddie Mac, FHA, VA, USDA/Rural Development, and applicable portfolio or specialty programs) with a focus on investmentquality and salable ...

AIG

Underwriter I, Energy - Specialty Lines

Miami, FL · On-site

That is why we created our Total Rewards Program, a comprehensive benefits package that extends ... We invest in our largest asset, our people, through continuous learning and development, in a ...

RLI Corp.

Commercial Specialty Auto Underwriter

Tampa, FL

  • Medical

  • Dental

  • Vision

  • Life

  • Retirement

  • PTO

... developments, and market conditions. * Works independently on moderately complex risks and ... Employee assistance program Health & Wellness * Comprehensive medical, dental and vision benefits

Burns & Wilcox

Personal Lines Underwriter

Plantation, FL · On-site

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

Interest in continued education and professional development * Travel if necessary in order to ... Access to Kaufman Wellness Program About Our Company Burns & Wilcox, the flagship organization of H.

H.W. Kaufman Group

Personal Lines Underwriter

Plantation, FL · On-site

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

Interest in continued education and professional development * Travel if necessary in order to ... Access to Kaufman Wellness Program Burns & Wilcox, the flagship organization of H.W. Kaufman Group ...

Burns & Wilcox

Commercial Lines Underwriter

Plantation, FL · On-site

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

Interest in continued education and professional development * Travel if necessary in order to ... Access to Kaufman Wellness Program About Our Company Burns & Wilcox, the flagship organization of H.

H.W. Kaufman Group

Commercial Lines Underwriter

Plantation, FL · On-site

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

Interest in continued education and professional development * Travel if necessary in order to ... Access to Kaufman Wellness Program Burns & Wilcox, the flagship organization of H.W. Kaufman Group ...

Burns & Wilcox

Commercial Lines Underwriter

Jacksonville, FL · On-site

  • Medical

  • Dental

  • Vision

  • Retirement

  • PTO

Interest in continued education and professional development * Insurance license, CPCU, CIC or ... Access to Kaufman Wellness Program About Our Company Burns & Wilcox, the flagship organization of H.

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All JobsUnderwriter Development Program JobsUnderwriter Development Program Jobs in Florida

Underwriter Development Program information

What is an underwriter development program?

An Underwriter Development Program is a structured training initiative offered by insurance companies or financial institutions to prepare individuals for careers as underwriters. Participants typically receive a mix of classroom instruction, on-the-job training, and mentorship to learn about risk assessment, policy evaluation, and decision-making processes. The goal of the program is to equip trainees with the knowledge and skills needed to evaluate insurance applications, determine coverage terms, and assess potential risks. These programs often lead to full-time underwriting positions upon successful completion.

What can I expect from the training and mentorship provided in an underwriter development program?

Participants in an Underwriter Development Program typically receive a blend of classroom instruction, on-the-job training, and mentorship from experienced underwriters. You can expect to rotate through various lines of business, work on real case studies, and gradually take on more responsibility as you build your technical and analytical skills. Mentors and managers provide regular feedback and support, helping you to understand underwriting guidelines, risk assessment, and client interaction. This structured training approach prepares you for a successful underwriting career and often leads to advancement opportunities within the company.

What are the key skills and qualifications needed to thrive in an underwriter development program, and why are they important?

To thrive in an Underwriter Development Program, you need strong analytical abilities, attention to detail, and a bachelor's degree in finance, business, or a related field. Proficiency with risk assessment software, Microsoft Excel, and familiarity with industry regulations or progress toward certifications like CPCU are often valued. Effective communication, critical thinking, and strong organizational skills help candidates stand out in this role. These skills ensure accurate risk analysis, clear client interactions, and the ability to manage complex portfolios in the insurance industry.

What is the difference between Underwriter Development Program vs Underwriter?

AspectUnderwriter Development ProgramUnderwriter
CredentialsTypically requires a bachelor's degree, sometimes a certification like CPCU or ARMRequires similar credentials, often with additional experience or certifications
Work EnvironmentStructured training environment, often in corporate officesOperational, risk assessment, and decision-making roles in insurance companies
Usage in IndustryEntry-level training program for aspiring underwritersFull-time professional role responsible for evaluating insurance risks

The Underwriter Development Program is designed to train and develop new talent into underwriters, providing structured learning and mentorship. An underwriter, on the other hand, is a fully qualified professional responsible for assessing risks and making underwriting decisions. The program prepares individuals for a career as an underwriter, who then performs the core job functions within the insurance industry.

How hard is it to get an underwriter development program job?

Securing an underwriter development program position typically requires a relevant bachelor's degree, strong analytical skills, and sometimes prior internship experience. Competition can be moderate to high, and candidates often need to demonstrate proficiency in risk assessment, attention to detail, and familiarity with underwriting tools or software.

What are popular job titles related to Underwriter Development Program jobs in Florida?

For Underwriter Development Program jobs in Florida, the most frequently searched job titles are:

What job categories do people searching Underwriter Development Program jobs in Florida look for?

The top searched job categories for Underwriter Development Program jobs in Florida are:

What cities in Florida are hiring for Underwriter Development Program jobs?

Cities in Florida with the most Underwriter Development Program job openings:

Underwriter Development Program jobs near you
Infographic showing various Underwriter Development Program job openings in Florida as of August 2026, with employment types broken down into 1% As Needed, 78% Full Time, 17% Part Time, and 4% Contract. Highlights an 96% Physical, 1% Hybrid, and 3% Remote job distribution.

Mortgage Loan Underwriter

Seacoast Bank

Miami, FL • On-site

Full-time

Re-posted 21 days ago

Seacoast Bank rating

8.6

Company rating: 8.6 out of 10

Based on 10 frontline employees who took The Breakroom Quiz

32nd of 171 rated banks

Job description

JOB SUMMARY:
The Mortgage Underwriter is responsible for independently assessing and underwriting conventional and government residential mortgage loan applications to evaluate credit risk and determine loan acceptability in accordance with agency, investor, and regulatory guidelines. This role carries significant lending authority and fiduciary responsibility, ensuring sound credit decisions while supporting an efficient, high-quality borrower experience.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
  • Underwrite conventional and government loan products (FNMA, Freddie Mac, FHA, VA, USDA/Rural Development, and applicable portfolio or specialty programs) with a focus on investment-quality and salable loans.
  • Perform thorough risk analysis of borrower credit, income, assets, collateral, and overall loan structure to ensure compliance with agency, investor, and internal credit standards.
  • Exercise delegated underwriting authority within approved limits; escalate or present loans exceeding authority or containing exceptions to Senior Management or Credit Committee as required.
  • Prepare and submit mortgage insurance (MI) packages to private mortgage insurance companies for loans requiring MI approval outside delegated authority.
  • Maintain current knowledge of agency, investor, and MI guidelines, including policy updates and underwriting changes.
  • Partner with Loan Officers, Processors, and Operations staff to resolve underwriting issues efficiently while maintaining credit integrity.
  • Provide guidance, training, and technical support to lending and processing teams on underwriting guidelines, risk considerations, and documentation requirements.
  • Ensure adherence to all fair lending, AML/BSA, and consumer protection regulations, including CIP, due diligence, enhanced due diligence, and disclosure requirements.
  • Underwrite all loans in compliance with Fair Housing Act, ECOA, and fair lending standards, ensuring consistent, unbiased treatment of all applicants.
  • Review and document policy exceptions in accordance with approved exception authority and governance standards.
  • Act ethically and professionally in alignment with the Associate Code of Conduct, reporting customer concerns or complaints as appropriate.
  • Support audits, quality control reviews, and regulatory exams by providing thorough documentation and rationale for credit decisions.
  • Adheres to Seacoast Bank's Code of Conduct.

EDUCATION and/or EXPERIENCE:
  • Bachelor's degree from an accredited four-year college or university or equivalent demonstrated knowledge and experience in residential mortgage underwriting.
  • Four or more years of experience in residential mortgage underwriting, including conventional and government loan products.
  • Strong working knowledge of FNMA, Freddie Mac, FHA, VA, USDA/Rural Development, private mortgage insurance requirements, and applicable state or housing programs (e.g., SHIP).
  • Ability to independently analyze complex credit scenarios and make well-reasoned risk decisions.
  • Ability to read, interpret, and apply agency guidelines, investor overlays, regulatory requirements, and internal policies.
  • Excellent written and verbal communication skills, with the ability to clearly document underwriting decisions and exception rationale.
  • Strong analytical and quantitative skills, including the ability to evaluate ratios, percentages, interest calculations, and amortization concepts.
  • Proficiency with loan origination systems, underwriting tools, and office productivity software (e.g., spreadsheet and word-processing applications).
  • Ability to manage multiple priorities, exercise sound judgment, and operate effectively in a fast-paced, deadline-driven environment.
  • Experience presenting underwriting guidance in group training or coaching settings preferred.
  • Ensures compliance with AML/BSA, Fair Lending, investor, and regulatory requirements throughout the underwriting process.
  • Maintains confidentiality and treats borrower information with the highest level of integrity.

The Statements above are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be an exhaustive list of responsibilities, duties, and skills. Because these statements are general, the job description is used for a variety of purposes including job evaluations; performance reviews; recruitment; etc. All Associates are required to adhere to the highest legal and ethical standards applicable to our industry. It is the policy of Seacoast Bank that all Associates will be familiar and compliant with all regulatory, legal, ethical and Bank risk mitigation requirements pertaining to both our industry and their individual roles. This includes the on time, successful completion of annual required training post-hire and effective execution of role responsibilities.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights notice from the Department of Labor.

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