Underwriter
Lexington, KY · On-site
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 ...
Underwriter
Lexington, KY · On-site
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 ...
Underwriter
Scottsdale, AZ · Hybrid
The Underwriter is part of STORE's Credit Underwriting team responsible for analyzing and underwriting new investments and transactions for inclusion into STORE's $18 billion portfolio. The ...
Underwriter
Scottsdale, AZ · Hybrid
The Underwriter is part of STORE's Credit Underwriting team responsible for analyzing and underwriting new investments and transactions for inclusion into STORE's $18 billion portfolio. The ...
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 ...
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 ...
Underwriter
Hillsboro, OR · On-site
$69K - $82K/yr
The Underwriter will evaluate group risks for existing clients and new group opportunities. This position analyzes and accepts risk in order to retain membership, grow revenue and help maintain a ...
Underwriter
Hillsboro, OR · On-site
$69K - $82K/yr
The Underwriter will evaluate group risks for existing clients and new group opportunities. This position analyzes and accepts risk in order to retain membership, grow revenue and help maintain a ...
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 ...
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 ...
Review and underwrite merchant applications Evaluate bank records and compliance materials Identify credit or fraud risk 2-5 years of experience in merchant underwriting OR mortgage underwriting with ...
Review and underwrite merchant applications Evaluate bank records and compliance materials Identify credit or fraud risk 2-5 years of experience in merchant underwriting OR mortgage underwriting with ...
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 ...
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 ...
Underwriter
Atlanta, GA · On-site
Reporting to the Senior Underwriting Manager in Atlanta, you'll help shape the way we assess and manage risk as we expand, bringing a fresh problem-solving perspective to the table and strengthening ...
Underwriter
Atlanta, GA · On-site
Reporting to the Senior Underwriting Manager in Atlanta, you'll help shape the way we assess and manage risk as we expand, bringing a fresh problem-solving perspective to the table and strengthening ...
Underwriter
Warwick, RI · Hybrid
We are looking for an Underwriter to join our team on a Hybrid work schedule located in our Warwick, RI office. Job Purpose: To handle a broad range of daily activities independently utilizing ...
Underwriter
Warwick, RI · Hybrid
We are looking for an Underwriter to join our team on a Hybrid work schedule located in our Warwick, RI office. Job Purpose: To handle a broad range of daily activities independently utilizing ...
Underwriter
Montgomery, AL · On-site
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 ...
Underwriter
Montgomery, AL · On-site
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 ...
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 ...
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 ...
Underwriter
Mount Pleasant, SC · On-site
Factoring Underwriter Location: Charleston, SC About the Role We are seeking an experienced Underwriter specializing in Factoring to join our growing team. This role is critical in evaluating ...
Quick apply
Underwriter
Mount Pleasant, SC · On-site
Factoring Underwriter Location: Charleston, SC About the Role We are seeking an experienced Underwriter specializing in Factoring to join our growing team. This role is critical in evaluating ...
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 ...
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 ...
Underwriter
Draper, UT · On-site
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 ...
Underwriter
Draper, UT · On-site
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 ...
Underwriter
Seattle, WA · Remote
Underwriter Location: United States Workplace Type: Remote Job Summary The future is bright for the Porch Group, and we'd love for you to be a part of it as our Underwriter. TheUnderwriteris ...
Underwriter
Seattle, WA · Remote
Underwriter Location: United States Workplace Type: Remote Job Summary The future is bright for the Porch Group, and we'd love for you to be a part of it as our Underwriter. TheUnderwriteris ...
Reporting to the Senior Underwriting Manager in Atlanta, you'll help shape the way we assess and manage risk as we expand, bringing a fresh problem-solving perspective to the table and strengthening ...
Reporting to the Senior Underwriting Manager in Atlanta, you'll help shape the way we assess and manage risk as we expand, bringing a fresh problem-solving perspective to the table and strengthening ...
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 ...
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 ...
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 ...
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 ...
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 ...
Quick apply
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 ...
Underwriter
Orange, CA · On-site
$65K - $168K/yr
Assesses risks and makes recommendations for underwriting decisions with support and guidance from leadership as needed, while developing underwriting skills and building critical internal and ...
Underwriter
Orange, CA · On-site
$65K - $168K/yr
Assesses risks and makes recommendations for underwriting decisions with support and guidance from leadership as needed, while developing underwriting skills and building critical internal and ...
Underwriter information
See salary details
$32.5K - $42.2K
5% of jobs
$42.2K - $52K
9% of jobs
$60.6K is the 25th percentile. Wages below this are outliers.
$52K - $61.7K
12% of jobs
$61.7K - $71.4K
20% of jobs
The median wage is $74.5K / yr.
$71.4K - $81.1K
12% of jobs
$87.7K is the 75th percentile. Wages above this are outliers.
$81.1K - $90.9K
25% of jobs
$90.9K - $100.6K
7% of jobs
$100.6K - $110.3K
3% of jobs
$110.3K - $120K
2% of jobs
$120K - $129.8K
2% of jobs
$129.8K - $139.5K
2% of jobs
$32.5K
$78.9K
$139.5K
How much do underwriter jobs pay per year?
As of Jul 21, 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.
What is the difference between Underwriter vs Actuary?
| Aspect | Underwriter | Actuary |
|---|---|---|
| Required Credentials | Insurance license, sometimes certifications like CPCU | Fellowship in SOA or CAS, actuarial exams |
| Work Environment | Insurance companies, underwriting departments | Consulting firms, insurance companies, financial institutions |
| Industry Usage | Common in insurance, banking | Primarily in insurance, pensions, finance |
| Job Focus | Assessing risk for policy approval | Analyzing 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.
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.
More about Underwriter jobs
What cities are hiring for Underwriter jobs? Cities with the most Underwriter job openings:
What are the most commonly searched types of Underwriter jobs? The most popular types of Underwriter jobs are:
Who are the top companies hiring for Underwriter jobs? The top employers for Underwriter jobs are:
What states have the most Underwriter jobs? States with the most job openings for Underwriter jobs include:
What job categories do people searching Underwriter jobs look for? The top searched job categories for Underwriter jobs are:
What are popular job titles related to Underwriter jobs? For Underwriter jobs, the most frequently searched job titles are:
Auto-Owners Insurance rating
9.2
Based on 34 frontline employees who took The Breakroom Quiz
17th of 281 rated insurance
Job description
A career at Auto-Owners is challenging and rewarding. Our group of caring associates create financial security by helping individuals and businesses make a new start when a loss occurs.
Job Description
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 the underwriting decision-making process according to Company underwriting philosophy. This job includes training and development through completion of the Company's underwriter training program for the assigned line of insurance and requires the person to:
Desired Skills & Experience
Benefits
Auto-Owners offers a wide range of career opportunities, and we are seeking talent that will help us continue our long tradition of success. We offer a friendly work environment, structured training program, employee mentoring and an excellent compensation/benefits package. Along with a competitive base salary, matched 401(k), fully-funded pension plan (once vested), and bonus programs, Auto-Owners also provides generous paid time off including holidays, vacation days, personal time, and sick leave. If you're looking to do rewarding work alongside great people, Auto-Owners is the place for you!
Equal Employment Opportunity
Auto-Owners Insurance is an equal opportunity employer. The Company hires, transfers, and promotes on the basis of ability, without consideration of disability, age, sex, race, color, religion, height, weight, marital status, sexual orientation, gender identity or national origin, or any factor contrary to federal, state or local law.
*Please note that the ability to work in the U.S. without current or future sponsorship is a requirement.
#LI-CH1 #LI-DNP #LI-Hybrid
Job Description
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 the underwriting decision-making process according to Company underwriting philosophy. This job includes training and development through completion of the Company's underwriter training program for the assigned line of insurance and requires the person to:
- Learn various insurance coverages and contracts along with company philosophy and procedures, in order to make underwriting decisions
- Read, interpret, and react to documents such as policies, manuals, forms, and endorsements to understand their meaning and use
- Assemble information, develop opinions, and clearly express decisions using sound reasoning and judgment
- Analyze loss experience, financial conditions and physical characteristics of risks
- Acquire a working knowledge of supporting sections of the underwriting department
- Effectively communicate with independent agents and other associates through verbal and/or written means
- Participate in and successfully complete the Company underwriter training program
Desired Skills & Experience
- Bachelor's degree or direct equivalent experience with property/casualty underwriting
- Ability to organize data, multi-task and make decisions independently
- Above average communication skills (written and verbal)
- Ability to write reports and compose correspondence
- Ability to resolve complex issues
- Continually develop product knowledge through participation in approved educational programs
Benefits
Auto-Owners offers a wide range of career opportunities, and we are seeking talent that will help us continue our long tradition of success. We offer a friendly work environment, structured training program, employee mentoring and an excellent compensation/benefits package. Along with a competitive base salary, matched 401(k), fully-funded pension plan (once vested), and bonus programs, Auto-Owners also provides generous paid time off including holidays, vacation days, personal time, and sick leave. If you're looking to do rewarding work alongside great people, Auto-Owners is the place for you!
Equal Employment Opportunity
Auto-Owners Insurance is an equal opportunity employer. The Company hires, transfers, and promotes on the basis of ability, without consideration of disability, age, sex, race, color, religion, height, weight, marital status, sexual orientation, gender identity or national origin, or any factor contrary to federal, state or local law.
*Please note that the ability to work in the U.S. without current or future sponsorship is a requirement.
#LI-CH1 #LI-DNP #LI-Hybrid
What Auto-Owners Insurance employees say
Pay
Benefits
Hours and flexibility
Workplace
Get the full story on Breakroom
About Auto-Owners Insurance
Sourced by ZipRecruiter
Industry
Insurance services
Company size
5,001 - 10,000 Employees
Headquarters location
Lansing, MI, US
Year founded
1916