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Underwriter Graduate Jobs (NOW HIRING)

Kinsale Insurance

Associate Underwriter

Richmond, VA

$65K - $80K/yr

Launch Your Career in Underwriting with a Top-Performing E&S Insurer Are you a recent college graduate or career changer ready to build a rewarding future in insurance? Join Kinsale Insurance, a ...

Kinsale Insurance

Associate Underwriter

Richmond, VA · On-site

$65K - $80K/yr

Launch Your Career in Underwriting with a Top-Performing E&S Insurer Are you a recent college graduate or career changer ready to build a rewarding future in insurance? Join Kinsale Insurance, a ...

Neighborhood Credit Union

Underwriter

Dallas, TX

$27 - $30/hr

Within authorized authority, and in accordance with sound underwriting practices as set out in ... High school graduate or equivalent. Required Knowledge: * Thorough understanding of Neighborhood ...

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Underwriter Graduate information

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$32.5K

$78.9K

$139.5K

How much do underwriter graduate jobs pay per year?

As of Jul 21, 2026, the average yearly pay for underwriter graduate 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 Graduate vs Underwriter?

AspectUnderwriter GraduateUnderwriter
Required CredentialsTypically a bachelor's degree in finance, economics, or related field; entry-level certificationsRelevant certifications like CPCU or ARM; professional experience often required
Work EnvironmentTraining programs, supervised tasks, learning-focusedDecision-making, client interaction, risk assessment
Employer & Industry UsageInsurance companies, financial institutions, often as entry-levelInsurance firms, banks, risk management companies

The Underwriter Graduate is an entry-level role focused on training and learning the fundamentals of underwriting. In contrast, an Underwriter is a more experienced professional responsible for assessing risks and making underwriting decisions. The graduate position serves as a stepping stone toward becoming a fully qualified underwriter.

What is an Underwriter Graduate?

An Underwriter Graduate is an entry-level professional who has recently completed their university degree and joined an insurance company or financial institution's graduate program to learn the fundamentals of underwriting. Underwriting involves assessing risks, evaluating insurance applications, and determining appropriate coverage and premiums. Graduate underwriters receive structured training, mentorship, and hands-on experience to develop the skills required to make informed decisions about which risks a company should insure. These roles often serve as a pathway to becoming a fully qualified underwriter.

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

To thrive as an Underwriter Graduate, you need a strong analytical mindset, attention to detail, and a relevant degree in finance, business, or a related field. Familiarity with underwriting software, risk assessment tools, and proficiency in Microsoft Excel are typically required, and some roles may value progress toward professional qualifications like ACII. Excellent communication, decision-making, and teamwork skills help you collaborate with clients and colleagues while making sound judgments. These skills and qualities ensure accurate risk assessments, effective client interactions, and contribute to profitable underwriting decisions.

What are some common challenges faced by Underwriter Graduates in their first year, and how can they effectively overcome them?

Underwriter Graduates often face challenges such as quickly learning complex risk assessment frameworks, adapting to industry-specific regulations, and managing a high volume of case evaluations under time constraints. Building strong analytical skills and seeking mentorship from experienced underwriters can help ease the learning curve. Actively participating in team discussions and training sessions also accelerates understanding of company guidelines and best practices. Collaboration with senior team members and other departments, like sales or claims, is essential for gaining a holistic view of the underwriting process and ensuring sound decision-making.
More about Underwriter Graduate jobs
What states have the most Underwriter Graduate jobs? States with the most job openings for Underwriter Graduate jobs include:
What job categories do people searching Underwriter Graduate jobs look for? The top searched job categories for Underwriter Graduate jobs are:
Underwriter Graduate jobs near you
Infographic showing various Underwriter Graduate job openings in the United States as of July 2026, with employment types broken down into 2% As Needed, 77% Full Time, 19% Part Time, and 2% Contract. Highlights an 98% Physical, and 2% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.
Underwriter III

Underwriter III

Allied National LLC

Overland Park, KS • On-site

Full-time

Re-posted 13 days ago

Job description

Allied National is seeking an experienced Medical Underwriter to join our Underwriting Department. The Underwriting Department applies the knowledge of Allied's products, plan documents, underwriting manuals and computer systems. The Underwriter will work in a team atmosphere utilizing not only their own expertise but also the expertise of their peer group.
As the voice of Allied underwriting, communication with the Account Executives and our customers is a critical component of this position. Utilizing medical expertise in the overall risk evaluation and rate recommendation is essential for this position.
  1. Must be proficient in all functions in Levels 1, 2 & 3 in accordance with department quality and quantity production standards.
  2. Underwrite New Business according to parameter guidelines and determine eligibility of a group for health insurance based upon a review of all eligibility information that has been obtained.
  3. Review Medical Load Report prepared by level 2, and evaluate appropriate medical risk.
  4. Review Participation Worksheet and Group Eligibility prepared by level 2.
  5. Review Current Carrier Bills and Renewal Rates and compare to census presented and Allied generated rates.
  6. Conduct employer phone call and as needed contact individual applicants for additional health information and or clarification.
  7. Create Self-Funded Accounts in AI.
  8. Review monthly manual dental renewals, populate spreadsheet with rating recommendations to be approved by underwriting management.

Requirements
  1. High School graduate or equivalent.
  2. One to two years related work experience or equivalent college education.
  3. Certification in Medical Terminology I and II.
  4. Ability to comprehend and interpret information directly from product brochures, certificates and insurance contracts.
  5. Basic mathematics skills.
  6. Minimum 4 years of office experience or equivalent college education.
  7. Knowledge and understanding of medical terminology.
  8. Very strong knowledge and understanding of medical terminology.
  9. Minimum 3 years experience in the insurance industry, including 1-2 years experience in group and individual medical underwriting preferred, or equivalent medical background.

Apply