ZipRecruiter

Log In

1

Underwriter Trainee Jobs in Colorado (NOW HIRING)

Berkley

Senior Underwriter

Englewood, CO · On-site

$95K - $135K/yr

Company Details Berkley Surety is a highly professional, service-oriented surety underwriting management company, providing a full spectrum of bonds for contract, environmental, and commercial surety ...

Berkley

Senior Underwriter

Englewood, CO · On-site

$95K - $135K/yr

Company Details Berkley Surety is a highly professional, service-oriented surety underwriting management company, providing a full spectrum of bonds for contract, environmental, and commercial surety ...

MGT Insurance

Commercial Lines Underwriter

Denver, CO · On-site

$80K - $125K/yr

Apply MGT's underwriting guidelines to assess risk quality, class eligibility, coverage structure, and pricing appropriateness * Identify risks that fall outside standard appetite and escalate ...

Ascot Group

Senior Underwriter, Environmental

Denver, CO · On-site

$101K - $119K/yr

Our underwriting platforms collaborate to find creative ways to deploy our capital in a true cross-product and cross-platform approach. These platforms work as one, deploying our capital creatively ...

Chubb

Senior Underwriter, Inland Marine

Englewood, CO · On-site

$100K - $165K/yr

The Senior Marine Underwriter will be responsible for a renewal book of approx. $3M - $4M and a new business goal of approx. $1M-$2M annually. The position will be responsible for driving profitable ...

New

Chubb

Senior Underwriter, Inland Marine

Englewood, CO · On-site

$100K - $165K/yr

The Senior Marine Underwriter will be responsible for a renewal book of approx. $3M - $4M and a new business goal of approx. $1M-$2M annually. The position will be responsible for driving profitable ...

previous pagenext page

Showing results 21-40

All JobsUnderwriter JobsUnderwriter Trainee JobsUnderwriter Trainee Jobs in Colorado

Underwriter Trainee information

See Colorado salary details

$34.2K

$82.9K

$146.7K

How much do underwriter trainee jobs pay per year?

As of Sep 6, 2026, the average yearly pay for underwriter trainee in Colorado is $82,942.00, according to ZipRecruiter salary data. Most workers in this role earn between $64,100.00 and $91,500.00 per year, depending on experience, location, and employer.

What is an underwriter trainee?

An Underwriter Trainee is an entry-level professional who learns how to evaluate risks and determine appropriate insurance coverage and premiums under the supervision of experienced underwriters. Their training involves learning about insurance policies, analyzing applications, assessing potential risks, and making recommendations based on company guidelines. This role serves as a starting point for a career in underwriting, providing foundational knowledge and practical experience in the insurance industry.

What are the key skills and qualifications needed to thrive as an underwriter trainee?

To thrive as an Underwriter Trainee, you need strong analytical abilities, attention to detail, and a bachelor's degree in finance, business, or a related field. Familiarity with underwriting software, risk assessment tools, and proficiency in Excel are commonly required, and industry certifications like CPCU can be advantageous. Excellent communication, problem-solving, and organizational skills help you collaborate with stakeholders and manage multiple priorities. These skills are essential to accurately assess risk, make informed decisions, and contribute to the overall profitability and integrity of the insurance company.

What are some typical challenges an underwriter trainee might encounter during their first year on the job?

As an Underwriter Trainee, one common challenge is learning to balance risk assessment with client needs, while adhering to company policies and regulatory requirements. Trainees often need to quickly develop a strong understanding of underwriting guidelines and how to apply them to real-world cases, which can be complex and varied. Additionally, adapting to a fast-paced environment and effectively collaborating with senior underwriters, brokers, and agents requires strong communication and organizational skills. Overcoming these challenges is an important part of gaining confidence and proficiency in the role.

What is the difference between Underwriter Trainee vs Underwriter?

AspectUnderwriter TraineeUnderwriter
Required CredentialsBachelor's degree, training programsExperience, certifications like CPCU or ARM often preferred
Work EnvironmentTraining programs, supervised tasksIndependent decision-making, client interaction
Employer & Industry UsageInsurance companies, entry-level rolesInsurance companies, experienced roles
Search & Comparison IntentLearning about entry-level underwriting rolesUnderstanding experienced underwriting positions

The main difference between an Underwriter Trainee and an Underwriter is experience level. Trainees are in training, focusing on learning the basics, while Underwriters have gained experience and handle complex risk assessments independently.

How do you become an underwriter trainee with no experience?

To become an underwriter trainee with no experience, candidates typically need a bachelor's degree in fields like finance, business, or economics. Entry-level roles often require strong analytical skills, attention to detail, and proficiency with computer software such as Excel; some companies may also offer training programs or on-the-job learning to develop underwriting skills.

How much do beginner underwriter trainees make?

Beginner underwriter trainees typically earn between $40,000 and $55,000 annually, depending on the industry, location, and company. Entry-level roles often include training on underwriting software and risk assessment, with salaries increasing as skills and experience grow.

What do underwriter trainees do?

Underwriter trainees assist in evaluating insurance applications by reviewing risk factors, analyzing data, and determining policy eligibility. They learn to use underwriting guidelines and may work under the supervision of experienced underwriters to develop their skills in assessing risk and making coverage decisions.

What are the most commonly searched types of Underwriter jobs in Colorado?

The most popular types of Underwriter jobs in Colorado are:

What are popular job titles related to Underwriter Trainee jobs in Colorado?

For Underwriter Trainee jobs in Colorado, the most frequently searched job titles are:

What job categories do people searching Underwriter Trainee jobs in Colorado look for?

The top searched job categories for Underwriter Trainee jobs in Colorado are:

What cities in Colorado are hiring for Underwriter Trainee jobs?

Cities in Colorado with the most Underwriter Trainee job openings:

Underwriter Trainee jobs near you
Infographic showing various Underwriter Trainee job openings in Colorado as of August 2026, with employment types broken down into 84% Full Time, 15% Part Time, and 1% Nights. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $82,942 per year, or $39.9 per hour.

Senior Credit Underwriter

World Business Lenders, LLC

Denver, CO • On-site, Remote

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 6 days ago

Job description

About World Business Lenders
  • At World Business Lenders (WBL), we provide flexible, short-term commercial loans backed by real estate to help small and medium-sized businesses across the United States - particularly those facing difficulties with traditional financing. We're a fast-moving, results-driven organization that takes security seriously as we continue to grow.
  • This is a Full-Time Independent Contractor role with working hours from 9:00 AM - 6:00 PM Eastern Standard Time, Monday through Friday. We request that all CVs be submitted in English.
About the Role
  • The Senior Credit Underwriter is responsible for leading complex credit underwriting activities while serving as a trusted advisor to the Chief Lending Officer. This role provides expertise in Non-QM mortgage lending, evaluates complex borrower scenarios, structures credit solutions, and supports sound lending decisions that balance risk and business objectives.
  • In addition to underwriting, the role oversees underwriting teams, mentors junior underwriters, drives process improvements, and collaborates cross-functionally to improve credit quality, operational efficiency, and funded loan volume..

What You'll Be Doing (Key Responsibilities)
  • Act as the Chief Lending Officer's 'right hand' trusted advisor.
  • Perform early credit assessments ("shift-left") before processing is complete.
  • Rework denied loans into approvable structures where possible.
  • Recommend counteroffers that reduce risk while preserving profitability.
  • Identify compensating factors to strengthen borderline files.
  • Consult with Sales on structuring loans before submission.
  • Participate in daily pipeline review meetings.
  • Assist in developing underwriting guidelines and SOPs.
  • Analyze trends in denials and fallout to recommend policy or process changes.
  • Support automation efforts by documenting underwriting decision logic.
  • Serve as the subject matter expert for complex borrower scenarios.

Requirements
Education:
  • Bachelor's or Associate's degree.

Experience:
  • 10+ years of progressive underwriting experience in non-QM mortgage lending.

Must-Have Requirements
Please ensure you meet all of the following before applying:
  • 10+ years of progressive underwriting experience in Non-QM residential mortgage lending.
  • Proven expertise in credit analysis, risk assessment, and loan structuring, with the ability to evaluate complex borrower scenarios and develop viable lending solutions.
  • Strong knowledge of Non-QM loan products, including DSCR, Bank Statement, Asset Depletion, Foreign National, ITIN, and other alternative documentation programs.
  • Experience interpreting credit policies, underwriting guidelines, and applicable mortgage regulations (e.g., ATR/QM, TRID, RESPA, TILA), with the ability to make sound, consistent credit decisions..

Remote Work Requirements
  • Stable, reliable internet connection.
  • Professional and dedicated remote working setup.

Preferred Background / Industry Experience:
  • Non QM residential mortgage lending / MCA lending.

Key Soft Skills:
  • Critical Thinking - Evaluates complex borrower scenarios, weighs risk objectively, and makes sound credit decisions based on facts rather than assumptions.
  • Analytical Mindset - Identifies trends, assesses layered risk, and connects multiple data points to determine overall creditworthiness.
  • Sound Judgment - Balances prudent risk management with business objectives, knowing when to approve, restructure, or decline a loan.
  • Problem Solving - Finds creative, policy-compliant solutions to structure challenging loans instead of defaulting to denial.
  • Attention to Detail - Thoroughly reviews financials, documentation, and loan files to identify inconsistencies, omissions, or potential risks.
  • Communication - Clearly explains underwriting decisions, credit rationale, and conditions to Sales, Processing, and leadership.
  • Collaboration - Partners effectively with Sales, Processing, Valuation, Legal, and Closing to move loans efficiently while maintaining credit quality.
  • Decision Making Under Pressure - Makes timely, confident decisions in a fast-paced environment without sacrificing accuracy or consistency.
  • Coaching & Mentorship - Develops junior underwriters by sharing expertise, reinforcing best practices, and promoting consistent credit decisions.
  • Integrity & Accountability - Demonstrates strong ethical standards, takes ownership of decisions, and consistently applies credit policy with fairness and discipline.

Specific Technical Skills Needed:
  • Credit Analysis & Risk Assessment - Expertise in evaluating borrower creditworthiness, repayment capacity, collateral, and layered risk.
  • Non-QM Underwriting - Deep knowledge of Non-QM products, including DSCR, Bank Statement, Asset Depletion, Foreign National, ITIN, and other alternative documentation programs.
  • Income, Asset & Cash Flow Analysis - Ability to analyze tax returns, business financials, bank statements, P&Ls, CPA letters, and asset documentation.
  • Collateral & Valuation Review - Experience reviewing appraisals, BPOs, AVMs/IVDs, title reports, LTV/CLTV calculations, and collateral risk.
  • Loan Structuring - Ability to restructure marginal loans, evaluate compensating factors, and develop counteroffers that meet credit policy while maximizing approvals.
  • Credit Policy & Guideline Interpretation - Strong understanding of internal credit policies, investor overlays, and regulatory requirements, with the ability to consistently apply judgment.
  • Regulatory Compliance - Working knowledge of ATR/QM, TRID, RESPA, TILA, Fair Lending, and applicable federal and state lending regulations.
  • Financial & Data Analysis - Advanced proficiency in Excel and the ability to analyze underwriting metrics, portfolio trends, and credit performance.
  • Exception & Portfolio Management - Experience evaluating policy exceptions, monitoring portfolio credit quality, and supporting quality control and audit reviews.
  • Loan Origination Systems (LOS) - Hands-on experience with Encompass, Byte, LendingPad, or similar LOS platforms, including underwriting workflow and condition management.

Benefits
What We Offer
Compensation includes a base salary at $65,000-$85,000.
Benefits include medical, dental, vision, life, and disability coverage; a 401(k) with company match; and paid holidays and paid time off (PTO).
Work Environment: Fully remote work environment, with occasional travel as needed for leadership off-sites and corporate events.
Ready to Apply?
If this sounds like you, we'd love to hear from you - submit your CV in English and hit Apply!

Apply