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Underwriter Iv 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

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 ...

PNC Bank

Underwriter IV - Commercial

Los Angeles, 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

Home, WA · On-site +1

$91K - $169K/yr

As an Underwriter IV - Commercial within PNC's Central Credit Products Group organization, you will be based remotely in California. This position may be eligible for remote work in select geographic ...

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 ...

PNC

Underwriter IV - Commercial

Sacramento, CA · On-site +1

$91K - $169K/yr

As an Underwriter IV - Commercial within PNC's Central Credit Products Group organization, you will be based remotely in California. This position may be eligible for remote work in select geographic ...

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All JobsFinance and Insurance JobsInsurance JobsInsurance Underwriter JobsUnderwriter Iv Jobs

Underwriter Iv information

See salary details

$32.5K

$78.9K

$139.5K

How much do underwriter iv jobs pay per year?

As of Aug 24, 2026, the average yearly pay for underwriter iv 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 does an Underwriter IV do?

An Underwriter IV is a senior-level professional responsible for evaluating and assessing the risks involved in insuring people or assets. They review applications for insurance, analyze financial data, and determine appropriate coverage amounts and premiums. At this level, Underwriter IVs often handle more complex or high-value cases, provide guidance to junior underwriters, and ensure compliance with company policies and regulations. They may also coordinate with agents, brokers, and clients to clarify information and explain decisions. Their expertise helps insurance companies manage risk and maintain profitability.

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

To thrive as an Underwriter IV, you need advanced analytical skills, deep knowledge of risk assessment, and a strong background in finance or insurance, often supported by a bachelor’s degree and relevant certifications like CPCU or ARM. Proficiency with underwriting software, risk modeling tools, and industry databases is typically required. Strong decision-making abilities, attention to detail, and effective communication are essential soft skills for this senior-level role. These skills ensure accurate risk evaluation, compliance with company policies, and the ability to make sound decisions on complex cases.

What are some common challenges faced by an Underwriter IV in managing complex portfolios?

As an Underwriter IV, you may frequently encounter complex portfolios that require balancing risk assessment with business objectives. One common challenge is evaluating intricate financial and legal documentation for large or unconventional accounts, where standard guidelines may not fully apply. Collaboration with senior management, actuaries, and legal teams is often necessary to navigate unique cases, ensure compliance, and tailor solutions for clients. Staying updated with industry trends and regulatory changes is also essential to make informed decisions and maintain portfolio profitability.

What is the difference between Underwriter IV vs Underwriter III?

AspectUnderwriter IVUnderwriter III
CredentialsBachelor's degree, relevant certifications (e.g., CPCU, ARM)Bachelor's degree, similar certifications often required
Work EnvironmentMore complex cases, higher decision-making responsibilityModerate complexity, supervision often involved
Employer & Industry UsageInsurance companies, financial institutionsInsurance companies, financial institutions
Search & Comparison IntentUnderstanding seniority and responsibilitiesClarifying mid-level roles

Underwriter IV typically handles more complex cases and has greater decision-making authority compared to Underwriter III. Both roles require similar credentials and work within the insurance industry, but Underwriter IV positions often involve higher responsibility and specialization.

Do underwriters earn good money?

Underwriters typically earn competitive salaries that vary based on experience, industry, and location. Senior underwriters or those working in specialized fields can earn higher wages, and the role often includes benefits and opportunities for advancement.

Is it hard to get a job in underwriting?

Getting a job as an underwriter can be competitive, often requiring relevant education, such as a degree in finance or related fields, and industry certifications like the Chartered Property Casualty Underwriter (CPCU). Strong analytical skills, attention to detail, and experience with underwriting software improve chances of employment in this field.
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Underwriter Iv jobs near you
Infographic showing various Underwriter Iv job openings in the United States as of August 2026, with employment types broken down into 96% Full Time, 2% Part Time, and 2% Contract. Highlights an 68% Physical, 12% Hybrid, and 20% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Underwriter IV - Property

USI Holdings Corporation

Dallas, TX • On-site

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 6 days ago

Job description

Description and Requirements
General Description: Assess large risks of a complex nature, develop, and negotiate premiums. Manage relationships with brokers and carriers. Provide appropriate insurance products to clients. Generate profit in accordance with company goals.
Responsibilities:
  • Underwrite and analyze new and renewal accounts for the most complex assignments.
  • Serve as a subject matter expertise to review insurance policy.
  • Assess the risk to determine the appropriate price, coverage, and terms and conditions. Bring policy to completion with recommending and binding coverage, invoicing, and policy issuance.
  • Identify the need, order, and evaluate additional risk assessment information.
  • Underwrite within defined broad limits and authority.
  • Establish underwriting policy and procedures. Provide reports to management.
  • Develop and maintain working relationships with agencies. Communicate effectively through broker negotiations to ensure new business flow and profitable production.
  • Communicate with agents to obtain supplemental underwriting information.
  • Analyze and rate endorsement requests.
  • Recommend authority levels for underwriting staff and amendments/enhancements to applicable program. Includes coverage, policy forms, premium rate plans and underwriting guidelines, loss control guidelines, and distribution.
  • Collaborate with internal departments to execute agreed program strategy and identification of program opportunities.
  • Engage in professional development. Includes relevant industry and organizational education and training.
  • Provide training and coaching to other underwriting team members as needed.
  • Requires travel for client relationship building, key client/carrier facing meetings, and educational development.

Knowledge, Skills and Abilities:
  • 7+ years of underwriting experience.
  • High school diploma or equivalent required.
  • For direct client service/underwriting, Property & Casualty and/or appropriate business licensure is required.
  • Broad and deep knowledge of insurance industry market and appetite.
  • Ability to establish product risk factors. Includes proper risk exposure and compliance with state departments of insurance.
  • Ability to effectively identify insurance product needs in the marketplace.
  • Ability to negotiate with strong mathematical skills.
  • Strong written, verbal, and interpersonal communication skills.
  • Working knowledge of Microsoft Office suite of products.
  • Proficiency in utilizing company systems.
  • Strong organizational and analytical skills with attention to detail and accuracy.
  • Ability to travel 20% of the time.

USI is committed to providing a full-suite of competitive benefits for our growing population and its diverse needs. We offer a wide range of health, welfare and financial benefits including medical, wellness, dental and vision, 401(k), flexible spending and health savings accounts, short and long-term disability, life insurance and other unique employer-sponsored and voluntary programs. USI also offers a generous paid time off policy, paid family leave benefit as well as paid holiday time.

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