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Underwriting Trainee Jobs (NOW HIRING)

Tokio Marine HCC

Underwriting Trainee

Sacramento, CA · On-site

$27.95 - $38.41/hr

Tokio Marine HCC - Surety Group Underwriting Trainee * Do you have a good understanding of financial statements (i.e., profit & loss, balance sheet, income statement, cash flow)? * Do your writing ...

Tokio Marine HCC

Underwriting Trainee

Sacramento, CA · On-site

$27.95 - $38.41/hr

Tokio Marine HCC - Surety Group Underwriting Trainee * Do you have a good understanding of financial statements (i.e., profit & loss, balance sheet, income statement, cash flow)? * Do your writing ...

Tokio Marine HCC

Underwriting Trainee

Los Angeles, CA · On-site

$27.95 - $38.41/hr

Within one year of being hired, the Trainee will become an AFSB Certified Underwriter with in-depth working knowledge of Tokio Marine HCC - Surety Group operations, policies and practices, and the ...

Tmhcc

Underwriting Trainee

Los Angeles, CA

$27.95 - $38.41/hr

Within one year of being hired, the Trainee will become an AFSB Certified Underwriter with in-depth working knowledge of Tokio Marine HCC - Surety Group operations, policies and practices, and the ...

Brookfield

Underwriting Trainee, Casualty

Chicago, IL

$61K - $75K/yr

Underwriting Trainee, Casualty Argo /Farm Family currently has an exciting opportunity for an Underwriter Trainee to join our team. This is a production underwriting position responsible for ...

Brookfield

Underwriting Trainee, Casualty

New York, NY

$61K - $75K/yr

Underwriting Trainee, Casualty Argo /Farm Family currently has an exciting opportunity for an Underwriter Trainee to join our team. This is a production underwriting position responsible for ...

Auto-Owners Insurance

Underwriter

Peoria, IL · On-site

$83K/yr

Underwriting Trainee 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 ...

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Underwriting Trainee information

See salary details

$32.5K

$78.9K

$139.5K

How much do underwriting trainee jobs pay per year?

As of Jun 6, 2026, the average yearly pay for underwriting trainee 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 Underwriting Trainee vs Underwriter?

AspectUnderwriting TraineeUnderwriter
CredentialsTypically entry-level, may require a degree in finance, insurance, or related fieldProfessional certification often preferred, such as CPCU or similar
Work EnvironmentTraining programs, supervised tasks, learning-focusedDecision-making, risk assessment, independent or team-based
Job ResponsibilitiesAssisting in risk evaluation, learning underwriting processesEvaluating risks, approving or rejecting policies

In summary, an Underwriting Trainee is an entry-level role focused on learning and supporting underwriting tasks, while an Underwriter is a fully responsible professional making risk decisions independently.

What are Underwriting Trainees?

Underwriting Trainees are entry-level professionals who are learning how to evaluate insurance applications, assess risks, and determine appropriate coverage and premiums. They work under the supervision of experienced underwriters and receive training in company policies, industry regulations, and risk assessment techniques. The goal of an underwriting trainee is to develop the skills necessary to make sound decisions regarding accepting or rejecting insurance applications and to eventually become a fully qualified underwriter.

What kind of training and mentorship can an Underwriting Trainee expect during their first year?

As an Underwriting Trainee, you can expect a structured onboarding process that combines classroom learning with hands-on experience. Most insurance companies pair trainees with experienced underwriters or mentors who provide guidance on risk assessment, policy review, and client interactions. You’ll likely rotate through different insurance lines to gain a broad understanding of underwriting practices, and participate in team meetings to discuss real cases. This collaborative environment helps you build technical skills and professional networks, laying a solid foundation for advancement within the company.

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

To thrive as an Underwriting Trainee, you need strong analytical skills, 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 Microsoft Excel are typically required, and some employers may value progress toward professional certifications like CPCU. Effective communication, organization, and a willingness to learn help candidates stand out in this entry-level position. These skills and qualities are essential for accurately assessing risks, managing data, and building a successful foundation for a career in insurance underwriting.
More about Underwriting Trainee jobs
What cities are hiring for Underwriting Trainee jobs? Cities with the most Underwriting Trainee job openings:
What are the most commonly searched types of Underwriting jobs? The most popular types of Underwriting jobs are:
What states have the most Underwriting Trainee jobs? States with the most job openings for Underwriting Trainee jobs include:
What job categories do people searching Underwriting Trainee jobs look for? The top searched job categories for Underwriting Trainee jobs are:
Underwriting Trainee jobs near you
Infographic showing various Underwriting Trainee job openings in the United States as of May 2026, with employment types broken down into 94% Full Time, 5% Part Time, and 1% Contract. Highlights an 96% Physical, 2% Hybrid, and 2% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.
Underwriting Trainee

Underwriting Trainee

Tokio Marine HCC

Sacramento, CA • On-site

$27.95 - $38.41/hr

Full-time

This job post has expired today. Applications are no longer accepted.

Job description

Tokio Marine HCC - Surety Group
Underwriting Trainee

  • Do you have a good understanding of financial statements (i.e., profit & loss, balance sheet, income statement, cash flow)?
  • Do your writing skills show your ability to present information in an analytical manner?
  • Are you looking for an opportunity with steady, long-term growth potential?
If you answered "yes!" to those questions, Tokio Marine HCC - Surety Group has an exciting Underwriting Trainee opportunity that can launch your career in a new direction. We are looking for individuals who will analyze financial information, learn the foundations of surety underwriting, and become future leaders of the company. While we will teach you technical terms, processes, and responsibilities on the job, we're looking for your strengths to help build the success of our company. We're seeking candidates with characteristics like curiosity to learn, proactive initiative to find information, thinking beyond what is presented, finding solutions to problems, good judgement and decision-making, excellent writing skills, good presentation skills, a customer service mindset, and excellent organizational skills. Position Overview During the first-year Sacramento, California, the program includes in-depth knowledge and hands-on experience in Underwriting, Claims, IT and Finance. Trainees progress during the second and subsequent years into Surety Underwriter positions at a branch location with greater underwriting and leadership responsibility. Timeline and Performance Objectives
  • During the first 6 months: Understand surety underwriting operations. Work with Underwriting, Claims, Finance and IT departments on various projects. Understand the factors that affect and influence bond ratings and risks. Ask a lot of questions to understand the concepts and processes.
  • During the first year: Review underwriting submissions and write the basic analysis of bond applicants' financial statements, collateral, and related due diligence. Cultivate relationships with internal and external contacts to facilitate underwriting processes, promote business development, and stay current with industry trends. Find creative and analytical solutions to support branch underwriting activity. Complete the Associate in Fidelity and Surety Bonding (AFSB) certification. Willingness to travel to Los Angeles Home Office for training.
  • Beyond the first year: Determine the degree of underwriting risk on a variety of contract and commercial surety bonds, with increasing underwriting authority over time. Expand business opportunities through customer outreach, marketing activities, participation in industry events, and other business development initiatives.
Education and Experience
  • We prefer a bachelor's degree in Risk Management, Finance, Economics, Accounting, or Business Administration, or the equivalent education and/or experience.
  • The role is an entry-level underwriting position. Internship(s) or experience in business or a related area is preferred.
For candidates working in person in Sacramento, the reasonable pay range for this specific position is $27.95 to $38.41 per hour. The salary offered for this specific position is based on a number of legitimate, non-discriminatory factors set by the Company. The Company is fully committed to ensuring equal pay opportunities for equal work regardless of color, race, sex, national origin, sexual orientation, gender identity, gender expression, religion, age, veteran status, disability, pregnancy, citizenship status, genetic information, or any other basis protected by federal, state, or local pay equity laws. The salary range is the range TMHCC, in good faith, believes is the range of possible compensation for this role at the time of this posting. This range may be modified in the future, and actual compensation may vary from posting based on geographic location, work experience, education, and/or skill level. Even within the pay range, the actual compensation will vary depending on the above factors as well as market and business considerations. The Tokio Marine HCC Group of Companies are equal opportunity employers. Please visit www.tmhcc.com for more information about our companies. The Company believes in "second chance" employment. As an insurance company, however, we must comply with certain Federal and state laws such as the Violent Crime Control and Law Enforcement Act of 1994 (18 USC § 1033(e)), which limits our ability to employ individuals with certain types of criminal convictions. For criminal history not covered by this law, the Company will consider qualified applicants with arrest or conviction history in compliance with local laws such as the California Fair Chance Act and, where applicable, the Los Angeles Fair Chance Initiative for Hiring Ordinance, the Los Angeles County Fair Chance Ordinance, and the San Francisco Fair Chance Ordinance. You do not need to disclose your criminal history or participate in a background check until a conditional job offer is made to you. After making a conditional offer and running a background check, if the Company is concerned about a conviction that is directly related to the job, you will be given the chance to explain the circumstances surrounding the conviction or challenge the accuracy of the background report. This job posting is for Underwriting Trainee, and its material job duties include those listed above. #LI-CC1 #IND123 #GD #CB

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