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Underwriting Associate Jobs in Ohio (NOW HIRING)

Elevance Health

Group Underwriter, Senior

Mason, OH · Hybrid

$92K - $109K/yr

This role requires associates to be in-office 1 day per week, fostering collaboration and ... UND > Group Underwriting Please be advised that Elevance Health only accepts resumes for ...

Elevance Health

Group Underwriter, Senior

Mason, OH · Hybrid

$92K - $109K/yr

This role requires associates to be in-office 1 day per week, fostering collaboration and ... UND > Group Underwriting Please be advised that Elevance Health only accepts resumes for ...

Tmhcc

Senior Construction Underwriter

Westerville, OH · On-site +1

$94K - $112K/yr

... Associate in Commercial Underwriting (AU), Certified Insurance Counselor (CIC) or equivalent insurance designation depending on specialty area About TMHCC Tokio Marine HCC is a leading specialty ...

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Underwriting Associate information

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How much do underwriting associate jobs pay per hour?

As of Aug 17, 2026, the average hourly pay for underwriting associate in Ohio is $18.08, according to ZipRecruiter salary data. Most workers in this role earn between $14.38 and $19.18 per hour, depending on experience, location, and employer.

What is an underwriting associate?

Underwriting associates are entry- to mid-level professionals who support underwriters in evaluating and processing insurance applications or loan requests. They assist in gathering and reviewing applicant information, assessing risk factors, and preparing documentation necessary for decision-making. Their work ensures that underwriters have accurate data to determine whether to approve or deny coverage or loans, and under what terms. Underwriting associates often interact with agents, clients, and other departments to facilitate a smooth underwriting process.

What are the key skills and qualifications needed to thrive as an underwriting associate?

To thrive as an Underwriting Associate, you need a strong understanding of risk assessment, analytical skills, and knowledge of insurance principles, often supported by a bachelor's degree in finance, business, or a related field. Familiarity with underwriting software, data analysis tools, and sometimes certifications such as CPCU or AU is highly valuable. Attention to detail, effective communication, and organizational skills help you excel in evaluating applications and collaborating with clients and colleagues. These skills ensure accurate risk evaluation, efficient workflow, and compliance with industry standards, leading to sound business decisions and customer satisfaction.

What are some common challenges underwriting associates face when balancing risk assessment with client expectations?

Underwriting Associates often need to carefully evaluate the risk profile of applicants while also considering the business objectives and maintaining positive relationships with clients or brokers. A common challenge is ensuring thorough risk analysis under tight deadlines, especially when clients expect quick decisions. Balancing the need for accuracy and compliance with internal policies, while also providing responsive service, requires strong organizational and communication skills. Collaborating closely with senior underwriters and other departments can help manage these challenges and ensure informed, fair decisions.

Can I become an underwriting associate with no experience?

Underwriting associates typically need some knowledge of insurance policies, risk assessment, and data analysis, but entry-level positions may be available for candidates with strong analytical skills and a willingness to learn. Many employers provide on-the-job training, and relevant certifications or coursework can improve chances of starting in this role without prior experience.

Do underwriting associates earn good money?

Underwriting associates typically earn a competitive salary that varies based on experience, location, and industry. Entry-level positions may start with moderate pay, while experienced associates with specialized skills can earn higher wages, often supplemented by benefits and bonuses. Overall, it is considered a stable and well-paying role within the insurance and finance sectors.

What are the most commonly searched types of Underwriting jobs in Ohio?

The most popular types of Underwriting jobs in Ohio are:

What cities in Ohio are hiring for Underwriting Associate jobs?

Cities in Ohio with the most Underwriting Associate job openings:

Underwriting Associate jobs near you
Infographic showing various Underwriting Associate job openings in Ohio as of August 2026, with employment types broken down into 1% As Needed, 72% Full Time, 22% Part Time, 1% Temporary, and 4% Contract. Highlights an 97% Physical, 1% Hybrid, and 2% Remote job distribution, with an average salary of $37,599 per year, or $18.1 per hour.

Senior Life Insurance Underwriter

Western & Southern Financial Group

Cincinnati, OH • On-site

$96K - $113K/yr

Full-time

Life

Re-posted 16 days ago

Western & Southern Financial Group rating

8.9

Company rating: 8.9 out of 10

Based on 8 frontline employees who took The Breakroom Quiz

47th of 309 rated insurance

Job description

Overview
Independently evaluates and classifies risks on applications for life, accident and critical illness insurance including supplemental benefits and policy changes in accordance with mortality and morbidity pricing assumptions. Underwrites life insurance applications and associated risks. Classifies the risk with a minimum of underwriting requirements. Verbally discusses cases with Field Sales associates and applicants, which may involve explaining the reasons the Company took adverse action on an application and attempting to diminish any negative reaction by the applicant. Develops a strong knowledge of human physiology in order to glean the necessary information from the data collected. In addition, builds a high level of knowledge of other technical aspects of the underwriting process, which includes financial needs, insurable interests, avocations and occupations along with a comprehensive knowledge of the Company's products and procedures. Concurs on cases that are over the Underwriters' limits of authority; the Senior Underwriter will be responsible for the final approval of these cases. Reviews the cases of the Underwriters to determine the quality of the work and any developmental needs.
Responsibilities
What you will do:
  • Review life applications, policy change requests, and reinstatements for completeness and accuracy, ensuring underwriting rules, philosophies, laws and practices are followed.
  • Evaluate medical, financial, and non-medical information, as developed, to determine the risk classification according to company guidelines.
  • Determine appropriateness of applied coverage (i.e., sufficient financial justification, appropriate insurable interest).
  • Make underwriting decisions that produce claim results within the Company's mortality expectations.
  • Review and provide approval on cases completed by less tenured underwriters.
  • Comply with federal and state rules and regulations (i.e., MIB, Fair Credit Reporting Act, blood testing, Replacements, 1035 Exchanges, etc.).
  • Communicate clearly and provide accurate information verbally and in writing to the field force, vendors, reinsurers, various Home Office associates, etc., while following proper rules of punctuation, grammar, dictation, and style.
  • Train new underwriters on processes, systems and underwriting philosophy. Develop and presents structured job-specific training as management directs, applying appropriate adult-learning principles.
  • Gives proper direction to the New Business support staff and Underwriters.
  • Serves in the lead position for the team on a periodic basis, communicating workflow to the group and other teams.
  • Periodically prepare procedures to be used in work-related procedural and training manuals, and also prepares formal reports in conjunction with department projects.
  • Maintains confidentiality of information including sensitive medical, financial, personal and payroll information.
  • Performs other duties as assigned.
  • Complies with all policies and standards.

Qualifications
  • College degree or relevant underwriting experience - Preferred
  • 5 years experience as a life insurance underwriter - Required
  • 1 year experience as a Nurse Practitioner or equivalent position - Required
  • Demonstrated knowledge of medical terminology. -
  • Demonstrated strong negotiation skills and experience "selling" adverse decisions to producers in a clear, concise and positive manner that leaves producers feeling good about the decisions. -
  • Proven strong analytical skills, including demonstrated experience identifying and quantifying problems and providing effective resolution. -
  • Demonstrated excellent verbal and written communication skills with ability to convey information to internal and external customers in a clear, focused and concise manner. -
  • Proven examples of handling difficult situations effectively while maintaining high volumes of work. -
  • Demonstrated strong attention to detail with excellent organizational skills. Cite examples of organization and time management methods used to manage or prioritize workload demands. -
  • Proven ability to successfully demonstrate strong financial and medical underwriting skills. -
  • Working knowledge of word processing and spreadsheet applications. -
  • LOMA 280, 290, 311, 320, ACS-100 (Designation), ALU-1, ALU-2 and/or commensurate experience as outlined in the selection criteria section. - Required

Work Setting/Position Demands:
  • Works in an office setting and remains in a stationary position for long periods of time while working at a desk, on a computer or with other standard office equipment, or while in meetings.
  • Requires the ability to verbally communicate and exchange accurate information to customers and associates on a regular basis.
  • Requires visual acuity to read and interpret a variety of correspondence, procedures, reports and forms via paper and electronic documents, visual inspection involving small defects; small parts, and/or operation of machinery (including inspection); using measurement devices continuously. Visual acuity is required to determine accuracy, neatness, and thoroughness of work assigned.
  • Requires the ability to prepare written correspondence, reports and forms using prescribed formats and conforming to rules of punctuation, grammar, diction, and style on a regular basis.
  • Requires the ability to apply principles of logical thinking to define problems, collect data, establish facts, and draw valid conclusions
  • Performs substantial movement of wrists, hands, and fingers for continuous computer work.
  • Extended hours required during peak workloads or special projects/events.

Travel Requirements:
  • 5% travel Occasional travel for industry conferences or producer meetings.

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