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Underwriter Jobs (NOW HIRING)

JGS Insurance

Underwriter

Hallandale Beach, FL · On-site

$60K - $80K/yr

This position is responsible for the underwriting, rating, binding and servicing of accounts assigned to them in a prompt, accurate, courteous and professional manner. This includes providing the ...

POINT MORTGAGE CORPORATION

UNDERWRITER

Chula Vista, CA

$0.01 - $0.02/hr

Review, update and run automated underwriting systems to determine risk, salability and reduced documentation for borrowers and review of data accuracy as input in Encompass LP and DU Review ...

Tokio Marine HCC

Underwriter

Troy, MI · On-site

Job Title: Underwriter Location: Remote in Multiple States/ Hybrid in Only Michigan (dependent upon on proximity of office location) Reports To: Cindy Woityra Employment Type: Full-Time Job ...

Iatinsurancegroup

Underwriter

Scottsdale, AZ · Hybrid

$55K - $120K/yr

The Underwriter will be part of a team responsible for overseeing and auditing Managing General Agent (MGA) underwriting activities to ensure adherence to underwriting authority, company guidelines ...

Captive Resources

Underwriter

Itasca, IL · On-site

$100K - $135K/hr

The Underwriter is responsible for evaluating and underwriting stop-loss insurance. The role involves analyzing medical risk, pricing policies, and making recommendations based on a thorough ...

Auto Owners Insurance Company

Underwriter

Lexington, KY · Hybrid

Auto-Owners Insurance, a top-rated insurance carrier, is seeking a motivated underwriting trainee to join our team. This job performs and applies insurance coverage, rules and guidelines to execute ...

Authentic

Underwriter

Dayton, OH · On-site

Position Summary The Underwriter will be responsible for evaluating and managing commercial insurance risks, developing strong broker relationships, and supporting profitable business growth. This ...

Starr Insurance Companies

Underwriter

Alpharetta, GA · On-site

Review, analyze, and underwrite cyber submissions for a range of client profiles and industries, including primary and excess placements. * Underwriting Decisions: Determine risk acceptability ...

JGS Insurance

Underwriter

Hallandale, FL · Remote

This position is responsible for the underwriting, rating, binding and servicing of accounts assigned to them in a prompt, accurate, courteous and professional manner. This includes providing the ...

Iatinsurancegroup

Underwriter

Raleigh, NC · Hybrid

$55K - $120K/yr

The Underwriter will be part of a team responsible for overseeing and auditing Managing General Agent (MGA) underwriting activities to ensure adherence to underwriting authority, company guidelines ...

Iatinsurancegroup

Underwriter

Norristown, PA · Hybrid

$55K - $120K/yr

The Underwriter will be part of a team responsible for overseeing and auditing Managing General Agent (MGA) underwriting activities to ensure adherence to underwriting authority, company guidelines ...

Iatinsurancegroup

Underwriter

Plano, TX · Hybrid

$55K - $120K/yr

The Underwriter will be part of a team responsible for overseeing and auditing Managing General Agent (MGA) underwriting activities to ensure adherence to underwriting authority, company guidelines ...

Temple View Capital LLC

Underwriter

Bethesda, MD · Hybrid

$80K - $90K/yr

We seek an Underwriter with a demonstrated track record of reviewing, analyzing, and decisioning BPL mortgage loan files to join our existing underwriting team. In this role, the Underwriter joins a ...

Iatinsurancegroup

Underwriter

Sarasota, FL · Hybrid

$55K - $120K/yr

The Underwriter will be part of a team responsible for overseeing and auditing Managing General Agent (MGA) underwriting activities to ensure adherence to underwriting authority, company guidelines ...

Iatinsurancegroup

Underwriter

Naperville, IL · Hybrid

$55K - $120K/yr

The Underwriter will be part of a team responsible for overseeing and auditing Managing General Agent (MGA) underwriting activities to ensure adherence to underwriting authority, company guidelines ...

Iatinsurancegroup

Underwriter

Rolling Meadows, IL · Hybrid

$55K - $120K/yr

The Underwriter will be part of a team responsible for overseeing and auditing Managing General Agent (MGA) underwriting activities to ensure adherence to underwriting authority, company guidelines ...

Biz2Credit Inc

Underwriter

Manhattan, NY · On-site

$65K - $85K/yr

About the Role As an Underwriter at Biz2Credit, you will play a vital role in evaluating loan applications and assisting with the underwriting process. We are currently seeking an experienced ...

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All JobsUnderwriter Jobs

Underwriter information

See salary details

$32.5K

$78.9K

$139.5K

How much do underwriter jobs pay per year?

As of Jun 30, 2026, the average yearly pay for underwriter 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.

Do you need a degree to be an underwriter?

A degree is not always required to become an underwriter, but many employers prefer candidates with a bachelor's degree in fields like finance, business, or economics. Relevant skills such as analytical thinking, attention to detail, and knowledge of insurance or lending practices are also important, and professional certifications can enhance job prospects.

What qualifications do you need for underwriting?

Underwriters typically need a bachelor's degree in finance, economics, or a related field. Relevant skills include strong analytical abilities, attention to detail, and knowledge of insurance or lending practices; professional certifications like the Chartered Property Casualty Underwriter (CPCU) can also enhance qualifications.

What is the difference between Underwriter vs Actuary?

AspectUnderwriterActuary
Required CredentialsInsurance license, sometimes certifications like CPCUFellowship in SOA or CAS, actuarial exams
Work EnvironmentInsurance companies, underwriting departmentsConsulting firms, insurance companies, financial institutions
Industry UsageCommon in insurance, bankingPrimarily in insurance, pensions, finance
Job FocusAssessing risk for policy approvalAnalyzing statistical data to predict future risks

While both underwriters and actuaries work in the insurance industry assessing risk, underwriters focus on evaluating individual insurance applications and approving policies. Actuaries analyze large data sets to forecast future risks and set premium rates. Their roles complement each other but require different certifications and skill sets.

What Do Underwriters Do?

The most common underwriters work for insurance companies or financial institutions to evaluate financial risk for insurance policies or loans. They review applications and paperwork and can approve or deny the request based on a set of three criteria--credit reputation, capacity to repay the loan, and collateral value. Underwriters check the applicant’s credit report and credit history, weight their annual salary with the cost of the loan or policy, and determine the loan-to-value ratio. Using these factors, they may approve the application, suspend it until further stipulations are met, or deny it.

Other kinds of underwriters include equity underwriters who administer the distribution of securities, and debt securities underwriters who buy government bonds and other debt securities and sell them for a profit.

Is underwriting a tough job?

Underwriting is a demanding role that requires strong analytical skills, attention to detail, and the ability to assess risk accurately. It often involves working under pressure to meet deadlines and making complex decisions based on financial and personal information.

What exactly does an underwriter do?

An underwriter evaluates and assesses the risk of insuring individuals or assets by reviewing applications, financial information, and supporting documents. They determine whether to approve or deny coverage and set appropriate premium rates, often using specialized software and industry guidelines. Underwriters play a key role in insurance, banking, and mortgage industries to ensure profitable and manageable risk exposure.

What are the key skills and qualifications needed to thrive as an Underwriter, and why are they important?

To thrive as an Underwriter, you need strong analytical skills, attention to detail, and a background in finance, business, or a related field, often supported by a bachelor's degree. Proficiency with underwriting software, risk assessment tools, and industry certifications such as CPCU or ARM is highly valued. Excellent decision-making, negotiation, and communication skills help underwriters effectively assess risk and interact with clients or agents. These skills are essential for accurately evaluating applications, minimizing financial risk, and supporting organizational profitability.

What does an underwriter do?

An underwriter evaluates the risk of insuring a person, property, or company and decides whether to provide insurance or a loan, and at what terms. They analyze applications, review financial and background information, and use statistical data to determine the likelihood of a loss. Underwriters play a key role in banking, insurance, and mortgage industries, ensuring that risks are carefully assessed to protect their organization from potential losses.

What are some common challenges faced by underwriters in balancing risk assessment and business goals?

Underwriters often face the challenge of thoroughly assessing risk while also supporting their company's business objectives, such as meeting production goals or maintaining client relationships. This requires a careful analysis of data, attention to detail, and effective communication with agents or brokers to clarify information and negotiate terms. Balancing these priorities can be demanding, but successful underwriters develop strong analytical skills and the ability to make judicious decisions under time constraints. Collaboration with other departments, such as claims and sales, is also key to ensuring both risk management and business targets are achieved.
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Underwriter jobs near you
Infographic showing various Underwriter job openings in the United States as of June 2026, with employment types broken down into 97% Full Time, 2% Part Time, and 1% Contract. Highlights an 72% Physical, 11% Hybrid, and 17% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.
Underwriter

Underwriter

JGS Insurance

Hallandale Beach, FL • On-site

$60K - $80K/yr

Full-time

Posted 11 days ago

Job description

SUMMARY:
AURA is a MGA (managing general agent)/specialty lines wholesaler, selling umbrella liability and other P&C (property and casualty) insurance products for real estate risks.
This position is responsible for the underwriting, rating, binding and servicing of accounts assigned to them in a prompt, accurate, courteous and professional manner. This includes providing the necessary support to the overall production and profit objectives of the program.
ESSENTIAL FUNCTIONS:
  • Maintain up to date and adhere to all AURA and carrier's processing procedures.
  • Maintain up to date knowledge of all items in AURA Underwriting Guidelines, including underwriting and rating changes.
  • Refer accounts to carriers when risk are "outside" the underwriting box
  • Respond to all brokers inquiries in a professional and timely manner.
  • Review and process all incoming mail for assigned accounts.
  • Document all correspondence and phone calls in our agency management system.
  • Underwrite accounts to ensure compliance with our guidelines and discuss risks "outside the box" internally for possible referral to carrier(s).
  • Market accounts when necessary, and monitor status of quotes to make sure "need by date" and deadlines are met.
  • Quote accounts and present timely proposals to brokers.
  • Review bind requests and binding documents received from brokers, to assure adherence to the program requirements.
  • Request policies issuance as requested by broker.
  • Process legal notice of non-renewal or cancellation when necessary.
  • Assist in training other employees at management's request.
  • Maintain positive relationships with appropriate company representatives through proper contacts and effective communication.
  • Provide assistance to Technical Support team, Assistant Underwriters or company Underwriters as necessary, in preparation of policy or endorsement processing.
  • Share all new company information/changes with department.
  • Adhere to all ethical and State Insurance Department guidelines and procedures.
  • Participate in seminars and other training to maintain required licenses and for knowledge and skill development in a timely manner (minimum 45 days prior to expiration).
  • Report to manager need for updates to websites, letters, training, etc.
  • Willing and able to travel (1-2 times per year or as required by management).
  • Perform other duties as requested at the direction of management.

QUALIFICATIONS:
  • Education: College degree preferred; High School diploma or equivalent required
  • Valid Florida Property & Casualty/General Lines insurance license preferred (FL 2-20)
  • Minimum 5+ years insurance underwriting experience
  • Experience wholesaling and/or underwriting real estate risks a plus
  • Knowledge of commercial insurance and products essential
  • Computer systems and operations knowledge and skills required
  • Good listening/writing skills and overall good communication skills a must.
  • Excellent attention to detail required
  • Professional designation a plus

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