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Underwriter Trainee Jobs in Washington (NOW HIRING)

United Educators

Senior Underwriter

Bethesda, MD · On-site

$122K - $144K/yr

The Senior Underwriter will be responsible for ensuring profitable growth of book of business by appropriately evaluating the acceptability of risks. Builds relationships with members and brokers to ...

NVR Inc

Mortgage Underwriter

Reston, VA

Underwrite loans for compliance with investor and/or agency guidelines. * Submit loans through an automated underwriting system for a decision. * Approve or pend loans; present appropriate loans ...

NVR, Inc.

Mortgage Underwriter

Reston, VA · On-site

A Mortgage Underwriter will take responsibility for the daily underwriting processes for our Conventional, FHA and VA loans. Your attention to detail will have a direct impact on our customers ...

Summit

Financial Underwriter (Hybrid)

Washington, DC · On-site

$80K - $115K/yr

Financial Underwriter Washington, DC-Based | Energy and Infrastructure Finance | 5-10 Years of Experience Summit Consulting, LLC provides quantitative and qualitative solutions to help federal ...

Fanniemae

Multifamily Underwriter - Advisor

Reston, VA · On-site

THE IMPACT YOU WILL MAKE The Multifamily Underwriter - Advisor role will offer you the flexibility to make each day your own, while working alongside people who care so that you can deliver on the ...

Summit

Financial Underwriter (Hybrid)

Washington, DC · On-site

$80K - $115K/yr

Summit is seeking an experienced Financial Underwriter with 5 to 10 years of experience to support federal energy and infrastructure finance work. This position is based in Washington, DC. The ...

PGIM

PGIM Real Estate -Agency Underwriter

Arlington, VA · On-site

$120K - $140K/yr

As a member of the multifamily underwriting team, this role plays a critical part in managing loan transactions from initial screening through final approval. You'll work closely with clients, Agency ...

PGIM

PGIM Real Estate -Agency Underwriter

Arlington, VA · Hybrid

$120K - $140K/yr

As a member of the multifamily underwriting team, this role plays a critical part in managing loan transactions from initial screening through final approval. You'll work closely with clients, Agency ...

NVR, Inc.

Senior Mortgage Underwriter

Reston, VA · On-site

$121K/yr

A Senior Mortgage Underwriter will take responsibility for the daily underwriting processes for our Conventional, FHA and VA loans. Your attention to detail will have a direct impact on our customers ...

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Showing results 21-40

All JobsUnderwriter JobsUnderwriter Trainee JobsUnderwriter Trainee Jobs in Washington

Underwriter Trainee information

See Washington salary details

$36.8K

$89.3K

$158K

How much do underwriter trainee jobs pay per year?

As of Sep 5, 2026, the average yearly pay for underwriter trainee in Washington is $89,337.00, according to ZipRecruiter salary data. Most workers in this role earn between $69,100.00 and $98,500.00 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 Washington?

The most popular types of Underwriter jobs in Washington are:

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

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

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

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

What cities in Washington are hiring for Underwriter Trainee jobs?

Cities in Washington with the most Underwriter Trainee job openings:

Underwriter Trainee jobs near you
Infographic showing various Underwriter Trainee job openings in Washington as of August 2026, with employment types broken down into 88% Full Time, 11% Part Time, and 1% Contract. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $89,337 per year, or $43 per hour.

Sr. Contract Underwriter

Merchants Bonding Company

Fulton, MD • On-site

$110 - $140/hr

Other

Medical

Posted 8 days ago

Job description

Job DetailsJob Location: Fulton, MD 20759Salary Range: $110,000.00 - $140,000.00 Base+Commission/yearJob Purpose

The Senior Contract Underwriter manages complex accounts, drives high-quality underwriting decisions, and strengthens agency relationships. This role requires sound judgment, strategic influence, and the ability to present both risk and opportunity clearly. Associates are expected to mitigate objections, support team development, and represent the company with confidence and professionalism.

Job Responsibilities:Strategic Underwriting & Risk Evaluation (60%)
  • Evaluates complex contract surety submissions and makes informed decisions within underwriting authority, using sound judgment while regularly collaborating with peers to strengthen decision quality.
  • Analyzes contractor financials, project schedules, and broader market conditions to assess risk.
  • Prepares and presents underwriting recommendations, providing a clear rationale and proposed path forward.
Agency Leadership & Relationship Growth (30%)
  • Leads relationship strategy for assigned agencies.
  • Conducts onsite visits, presentations, and strategic planning meetings with producers and key agency personnel.
  • Develops new agency relationships through prospecting, referral, and industry engagement.
  • Gathers and communicates market insights, shaping underwriting approach at the territory or regional level.
Team Development & Strategic Contribution (10%)
  • Mentors and provides informal guidance to other underwriters on case analysis and relationship handling.
  • Collaborates with managers and peers to refine underwriting practices and solve challenges.
  • Participates in cross-functional projects, pilots, and initiatives that support innovation and operational improvement.
QualificationsEducation and Experience:
  • Bachelor’s degree preferred. Backgrounds in business, finance, accounting, economics, or related disciplines are highly relevant.
  • Minimum of 5 years of experience in surety underwriting or a related financial/risk evaluation role.
  • Proven ability to underwrite complex accounts, manage agent relationships, and apply judgment under ambiguity.
BENEFITS AT MERCHANTS
  • Flexible hybrid and remote opportunities with 37.5 hour work week
  • Free health insurance option
  • Paid volunteer time off with matching gift program
  • Infants in the Workplace Program with family resources

Discover more benefits at https://www.merchantsbonding.com/careers#nav-link-3

MERCHANTS BONDING COMPANY

Join the Merchants team and experience the difference of working for a surety-only company. At Merchants, we believe in the power of collaboration and teamwork, and we're committed to the success of our associates and customers by creating an inclusive culture that sets us apart and drives our success.

Our company is built on a foundation of providing common sense solutions and first-class experiences. From underwriting to claims and technology to marketing, every department and team collaborates together to achieve our common goal to be the most trusted team in surety.

Learn more about building your career at Merchants by visiting www.merchantsbonding.com/careers.

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