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Underwriter Trainee Jobs in Michigan (NOW HIRING)

Northpointe Bank

Senior Underwriter

Grand Rapids, MI · On-site

$94K - $111K/yr

We're hiring a Senior Underwriter to underwrite a full range of mortgage loans, including government, bond, and conventional products, while ensuring compliance with investor and internal guidelines.

Great American Insurance Group

$62K - $94K/yr

Evaluates and underwrites new and renewal business in accordance with Company underwriting guidelines and risk appetite. * Develops and implements risk assessment models to make informed decisions on ...

Summit

$62K - $94K/yr

Evaluates and underwrites new and renewal business in accordance with Company underwriting guidelines and risk appetite. * Develops and implements risk assessment models to make informed decisions on ...

AD Mortgage

Senior Underwriter

Troy, MI

$93K - $110K/yr

Ensures that Company operating standards are met for underwriting and compliance by utilizing internal and external (e.g., agency) policies and procedures * Reviews applications and all pertinent ...

centralins

Middle Market Underwriter

Lansing, MI · Remote

As a Middle Market Underwriter, you'll help Central fulfill its promise to its customers by effectively managing your assigned territory, building strong relationships with agents, writing a ...

centralins

Middle Market Underwriter

Lansing, MI · Remote

As a Middle Market Underwriter, you'll help Central fulfill its promise to its customers by effectively managing your assigned territory, building strong relationships with agents, writing a ...

Auto-Owners Insurance

Farm Underwriter

Lansing, MI · On-site

Auto-Owners Insurance, a top-rated insurance carrier, is seeking entry level motivated Underwriting professional to join our team. The position requires the person to: * Learn various insurance ...

Adventure Credit Union

Senior Loan Underwriter

Lansing, MI · On-site

$88K - $104K/yr

The purpose of the Senior Underwriter serves as a trusted lending resource through accurate, compliant, and timely underwriting decisions. This position evaluates member loan requests, manages credit ...

AD Mortgage

Government Senior Underwriter

Troy, MI · On-site +1

$93K - $110K/yr

Ensures that Company operating standards are met for underwriting and compliance by utilizing internal and external (e.g., agency) policies and procedures * Reviews applications and all pertinent ...

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All JobsUnderwriter JobsUnderwriter Trainee JobsUnderwriter Trainee Jobs in Michigan

Underwriter Trainee information

See Michigan salary details

$28.3K

$68.8K

$121.6K

How much do underwriter trainee jobs pay per year?

As of Aug 14, 2026, the average yearly pay for underwriter trainee in Michigan is $68,750.00, according to ZipRecruiter salary data. Most workers in this role earn between $53,200.00 and $75,800.00 per year, depending on experience, location, and employer.

How much does an underwriter trainee earn?

An underwriter trainee typically earns between $40,000 and $55,000 annually, depending on location, industry, and experience. Entry-level positions may start lower, but with training and skill development, salaries can increase as they gain underwriting knowledge and certifications.

How much do beginner underwriters make?

Entry-level underwriters typically earn between $45,000 and $60,000 annually, depending on location and industry. Starting salaries may increase with relevant certifications, such as the Chartered Property Casualty Underwriter (CPCU), and experience with underwriting software and risk assessment. Compensation can also vary based on the employer and the complexity of the policies handled.

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 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.

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 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.

How do I become an underwriter trainee with no experience?

To become an underwriter trainee with no experience, candidates typically need a high school diploma or equivalent; some employers prefer or require a bachelor's degree in fields like finance, business, or economics. Entry-level positions often provide on-the-job training, and developing skills in analysis, attention to detail, and familiarity with underwriting software can improve chances. Certifications such as the Associate in Commercial Underwriting (ACU) or similar can also enhance prospects for advancement.

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

The most popular types of Underwriter jobs in Michigan are:

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

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

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

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

What cities in Michigan are hiring for Underwriter Trainee jobs?

Cities in Michigan with the most Underwriter Trainee job openings:

Underwriter Trainee jobs near you
Infographic showing various Underwriter Trainee job openings in Michigan as of August 2026, with employment types broken down into 87% Full Time, 9% Part Time, 1% Temporary, 2% Contract, and 1% Nights. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $68,750 per year, or $33.1 per hour.

Senior Underwriter

Northpointe Bank

Grand Rapids, MI • On-site

$94K - $111K/yr

Full-time

Medical, Dental, Vision, Life, Retirement

Re-posted 15 days ago

Job description

The POWER of a CAREER!

At Northpointe Bank, we believe your career should empower you — to grow, contribute, and find purpose. We’re hiring a Senior Underwriter to underwrite a full range of mortgage loans, including government, bond, and conventional products, while ensuring compliance with investor and internal guidelines.

This role is ideal for an experienced mortgage underwriter with deep product knowledge, a keen eye for detail, and the ability to assess risk and mentor others in a high-volume environment.

What You’ll Do:

  • Underwrite mortgage loans in accordance with investor, agency, and government guidelines (FHA, VA, USDA/RD, MHSDA, OHFA, Fannie Mae, Freddie Mac)
  • Review loan documentation, disclosures, and supporting materials to ensure completeness, accuracy, and compliance
  • Maintain and apply expertise in automated underwriting systems (DU, LP, GUS)
  • Identify and escalate potential fraud or discrepancies during the underwriting review
  • Serve as a resource for internal teams, offering guidance on scenarios and resolving escalated issues
  • Provide training and mentorship to new and existing underwriters
  • Collaborate with processors, loan officers, and closers to meet SLAs and closing timelines
  • Manage assigned loan pipeline efficiently to meet production goals
  • Maintain compliance with TRID, ECOA, HMDA, and other applicable regulations
  • Support quality control efforts and respond to audit and post-closing findings

What You Bring:

  • Minimum 10 years of mortgage underwriting experience, including government and conventional loan products and state bond programs
  • High school diploma or equivalent required; college degree in finance or business preferred
  • Extensive knowledge of mortgage processing, closing, and investor guidelines
  • Proficiency with Microsoft Office (Word, Excel, Outlook) and mortgage loan origination systems
  • Strong analytical, decision-making, and problem-solving skills
  • Excellent communication skills and ability to work both independently and collaboratively
  • Experience in training and mentoring other team members
  • Ability to manage multiple priorities in a fast-paced, high-volume environment

Why Join Northpointe?

We offer a collaborative work environment where your expertise directly supports the Bank’s success. You’ll have the opportunity to underwrite diverse loan products, share your knowledge, and contribute to the success of a high-performing team.

Our Hiring Philosophy

Northpointe Bank recognizes that the quality of our people is the foundation for our success. Attracting individuals who value a challenging work environment that rewards the contributions of its people is the cornerstone of our hiring philosophy.

It is the policy of Northpointe Bank and its subsidiaries to provide equal employment opportunities (EEO) to all persons regardless of age, race, sex, religion, national origin, handicap, marital status, or other attributes not pertinent to the job requirements. This policy reflects our practice of making all employment decisions, from recruitment to promotions, based on an individual's qualifications without discrimination on any basis.

Benefit Information:

  • Medical
  • Dental
  • Vision
  • Life, LTD, & AD&D
  • Dependent Care Spending Plan (DCSA)
  • Employer Stock Ownership Plan with 401(k) feature and company match
  • Complimentary Banking Services
  • Tuition Assistance

Ready to Apply?

If you’re ready to bring your underwriting expertise to a team that values quality, service, and results, we want to hear from you. At Northpointe Bank, this is more than a job — it’s the POWER of a CAREER.

AA - EOE

Employment Type: FULL_TIME

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