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Underwriter Training Program Jobs in California (NOW HIRING)

Amwins

Associate Underwriter

Anaheim, CA · Hybrid

$70K - $75K/yr

Join Amwins Program Underwriters as an Associate Underwriter! This is a hybrid position post completion of in-office training at our Anaheim, CA location. Each Underwriting Associate provides vital ...

Chubb

Executive Underwriter

San Francisco, CA · On-site

$122K - $177K/yr

We offer customized & complex primary loss sensitive programs tailored to our client's business ... Our policy is to provide employment, training, compensation, promotion, and other conditions or ...

Plaza Home Mortgage, Inc.

Sr. Underwriter

San Diego, CA · On-site

$40.86 - $50.48/hr

May underwrite one or all of the following loan types: Conventional, Jumbo, FHA, 2013k, VA, and ... and training and career development programs. Plaza's employees are also protected against ...

Plaza Home Mortgage, Inc.

Sr. Underwriter

San Diego, CA · Remote

$40.86 - $50.48/hr

May underwrite one or all of the following loan types: Conventional, Jumbo, FHA, 2013k, VA, and ... and training and career development programs. Plaza's employees are also protected against ...

Berkley

Senior Underwriter

San Diego, CA · On-site

$80K - $135K/yr

Small Business Owners , Mid-Larger Businesses and Group Association Members ( Programs ). The ... Provides mentoring and training to other staff members. * The Senior Production Underwriter must be ...

Berkley

Senior Underwriter

San Diego, CA

$80K - $135K/yr

Small Business Owners , Mid-Larger Businesses and Group Association Members ( Programs ). The ... Provides mentoring and training to other staff members. * The Senior Production Underwriter must be ...

Berkley

Senior Underwriter

San Diego, CA

$80K - $135K/yr

Small Business Owners , Mid-Larger Businesses and Group Association Members ( Programs ). The ... Provides mentoring and training to other staff members. * The Senior Production Underwriter must be ...

Allianz

Senior Underwriter - Property

San Francisco, CA · On-site

$99K - $150K/yr

... programs, and fielding an underwriting team averaging over 20 years' experience, backed up a ... Support the development and execution of regional underwriting strategy, including training and ...

East West Bank

Senior Mortgage Underwriter

El Monte, CA

$117K/yr

Apply advanced full-documentation underwriting expertise, including specialized programs such as ... High school diploma or equivalent required; college courses/technical training related to Business ...

Chubb

Senior Underwriter, PNP

Los Angeles, CA · On-site

$100K - $135K/yr

This role may also be eligible to participate in a discretionary annual incentive program. Chubb ... Our policy is to provide employment, training, compensation, promotion, and other conditions or ...

East West Bank

Senior Mortgage Underwriter

El Monte, CA · On-site

$20/hr

Apply advanced full-documentation underwriting expertise, including specialized programs such as ... High school diploma or equivalent required; college courses/technical training related to Business ...

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All JobsUnderwriter Training Program JobsUnderwriter Training Program Jobs in California

Underwriter Training Program information

How long does it take to become an underwriter?

Becoming an underwriter typically requires completing a training program that lasts from a few weeks to several months, depending on the employer and the complexity of the policies involved. Many underwriters also pursue industry certifications, such as the Chartered Property Casualty Underwriter (CPCU), which can take additional time to obtain. Gaining experience through entry-level roles can also be part of the pathway to becoming a fully qualified underwriter.

What can I expect from the mentorship and training structure in an underwriter training program?

In an Underwriter Training Program, you can expect a combination of formal classroom instruction, hands-on casework, and close mentorship from experienced underwriters. Trainees typically start by learning about risk assessment, insurance products, and industry regulations, gradually taking on more responsibility as they demonstrate proficiency. Regular feedback and collaboration with senior team members help you develop practical skills and build confidence in decision-making. This supportive environment is designed to ensure a smooth transition from trainee to fully qualified underwriter.

What is the difference between Underwriter Training Program vs Underwriter?

AspectUnderwriter Training ProgramUnderwriter
CredentialsTypically requires a bachelor's degree, sometimes certifications like CPCU or ARMOften requires a bachelor's degree and relevant certifications
Work EnvironmentTraining setting, classroom and on-the-job learningFull-time underwriting role in office or remote
Employer UsageUsed by insurance companies to develop new talentEstablished role for assessing risk and approving policies

The Underwriter Training Program is designed to prepare individuals for a career as an Underwriter by providing structured training and mentorship. Once completed, participants typically transition into full Underwriter roles. The main difference lies in the training phase versus the fully operational underwriting position.

Is it hard to get a job in an underwriter training program?

Securing a position in an underwriter training program can be competitive, often requiring relevant education such as a degree in finance, business, or related fields, along with strong analytical skills. Candidates typically undergo a structured training process that assesses their understanding of risk assessment and insurance principles, and prior experience or certifications can improve chances of acceptance.

What is an underwriter training program?

An Underwriter Training Program is a structured educational initiative designed to teach individuals the fundamentals of underwriting, which involves assessing and evaluating risks for insurance, loans, or other financial products. Participants learn about risk analysis, industry regulations, financial documentation, and decision-making processes. These programs often combine classroom instruction with hands-on experience, preparing trainees for entry-level underwriting positions. Completion of such a program can lead to certifications or advancement within financial or insurance organizations.

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 can increase with relevant certifications, such as the Chartered Property Casualty Underwriter (CPCU), and experience with underwriting software and risk assessment. Compensation may also vary based on the employer and the complexity of the policies handled.

How do you become an underwriter with no experience?

To become an underwriter with no experience, candidates typically start by obtaining relevant education such as a bachelor's degree in finance, economics, or a related field. Entry-level underwriter positions often provide on-the-job training, and gaining knowledge of insurance policies, risk assessment, and using underwriting software can improve prospects. Certifications like the Associate in Commercial Underwriting (AU) or similar can also enhance employability.

What are the key skills and qualifications needed to thrive in an underwriter training program, and why are they important?

To thrive in an Underwriter Training Program, you need strong analytical skills, attention to detail, and a relevant bachelor's degree, often in finance, business, or a related field. Familiarity with underwriting software, financial modeling tools, and risk assessment systems is typically required, and some programs value progress toward professional designations like CPCU. Effective communication, problem-solving, and decision-making abilities help candidates excel in evaluating applications and collaborating with colleagues. These skills ensure accurate risk assessment, sound decision-making, and contribute to the organization's profitability and compliance.
What are the most commonly searched types of Underwriter Training Program jobs in California? The most popular types of Underwriter Training Program jobs in California are:
What are popular job titles related to Underwriter Training Program jobs in California? For Underwriter Training Program jobs in California, the most frequently searched job titles are:
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What cities in California are hiring for Underwriter Training Program jobs? Cities in California with the most Underwriter Training Program job openings:
Underwriter Training Program jobs near you
Infographic showing various Underwriter Training Program job openings in California as of August 2026, with employment types broken down into 100% Full Time. Highlights an 70% In-person, 18% Hybrid, and 12% Remote job distribution.

Senior Underwriter

Quantum Electronic Payments

Anaheim, CA • On-site

$68K/yr

Full-time

Medical, Dental, Vision, Retirement, PTO

Posted 19 days ago

Job description

Unlock Your Potential with Quantum ePay® We're a growing fintech company focused on delivering innovative payment processing solutions and merchant technology that helps businesses lower costs, earn more, and operate with confidence.
We are looking for an experienced Senior Underwriter to review complex merchant applications, assess elevated financial and operational risk, and serve as a knowledgeable resource for the underwriting team.
This role is a great fit for someone with strong merchant services expertise who can independently evaluate challenging applications, exercise sound judgment, and help improve the consistency and quality of underwriting decisions across the department.
RESPONSIBILITIES
  • Independently review complex, high-volume, high-risk, or escalated merchant applications
  • Analyze merchant creditworthiness, financial stability, business models, processing history, ownership structures, and operational risk
  • Interpret consumer and business credit reports, financial statements, tax returns, bank statements, processing statements, corporate records, websites, and supporting documentation
  • Evaluate card-not-present, e-commerce, recurring billing, future delivery, high-ticket, and other elevated-risk business models
  • Approve, pend, decline, or recommend conditions for applications within assigned authority levels
  • Provide clear and well-supported underwriting rationale for complex decisions
  • Review escalated applications and assist with exception requests
  • Identify potential fraud, bust-out risk, credit risk, prohibited activity, and inconsistencies across application materials
  • Partner with Risk, Compliance, Sales, Operations, and sponsor bank contacts to resolve application concerns
  • Serve as a resource for Underwriter team members by answering questions and providing guidance
  • Support training, application calibration, and quality-review activities
  • Review underwriting decisions for accuracy, consistency, and adherence to company and sponsor bank requirements
  • Identify trends, recurring application issues, and opportunities to improve underwriting procedures
  • Assist with developing and updating underwriting procedures, reference materials, and decisioning guidelines
  • Support department coverage, queue management, and priority application reviews when needed
  • Perform additional duties as assigned

QUALIFICATIONS
  • Advanced knowledge of merchant services underwriting, credit analysis, and payment-processing risk
  • Strong understanding of merchant business models, transaction risk, chargebacks, fraud exposure, and sponsor bank requirements
  • Ability to interpret complex financial statements, tax returns, bank statements, processing histories, and corporate structures
  • Strong judgment and ability to make defensible decisions when information is incomplete or risk factors conflict
  • Ability to recognize higher-risk industries, prohibited activities, unusual ownership structures, and potential misrepresentation
  • Excellent analytical, investigative, and problem-solving skills
  • Excellent written communication and ability to document detailed underwriting rationale
  • Ability to provide constructive guidance and explain complex underwriting decisions
  • Strong organization and time-management skills in a high-volume environment
  • Ability to work independently and manage competing priorities
  • Strong working knowledge of Microsoft Office, Adobe Acrobat, CRM platforms, and third-party underwriting tools

EDUCATION AND EXPERIENCE
  • 3+ years of merchant services underwriting experience required
  • Experience independently reviewing complex or elevated-risk merchant applications required
  • Experience with financial analysis, reserves, exceptions, conditional approvals, and underwriting escalations preferred
  • Experience mentoring or training junior underwriters preferred
  • Experience using TSYS systems preferred

SALARY:
This role includes biannual profit-sharing bonuses as part of a total compensation package, in addition to a full range of medical, dental, retirement planning, and/or other benefits.
  • Base salary range: $65,000 - $68,500
  • Salary including quarterly profit-sharing bonus and comprehensive benefits program range (annualized): $85,725- $89,925

WHY WORK HERE?
  • Awarded Top Workplace of Orange County by the OC Register
  • Flex PTO!
  • New state of the art, open-concept facility with stand-up desks, balance boards, stationary bikes and more!
  • Work hard, play hard culture!
  • Monthly Beer Socials and BBQs!
  • Proven "promote from within" mentality!
  • Benefit offerings:
    • Medical, dental, vision, acupuncture and chiropractic
    • 401k Safe Harbor; 100% employer match processed semi-monthly, up to 4%
    • Profit Sharing; paid on a biannual basis

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