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Underwriting Trainee Program Jobs (NOW HIRING)

Tokio Marine HCC

Underwriting Trainee

Sacramento, CA · On-site

$27.95 - $38.41/hr

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 ...

Tokio Marine HCC

Underwriting Trainee

Sacramento, CA · On-site

$27.95 - $38.41/hr

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 ...

Tokio Marine HCC

Underwriting Trainee

Los Angeles, CA · On-site

$27.95 - $38.41/hr

Position Overview During the first year in Los Angeles, CA, the program includes in-depth knowledge and hands-on experience in Underwriting, Claims, IT and Finance. Trainees progress during the ...

Tmhcc

Underwriting Trainee

Los Angeles, CA

$27.95 - $38.41/hr

Position Overview During the first year in Los Angeles, CA, the program includes in-depth knowledge and hands-on experience in Underwriting, Claims, IT and Finance. Trainees progress during the ...

Brookfield

Underwriting Trainee, Casualty

Chicago, IL

$61K - $75K/yr

Underwriting Trainee, Casualty Argo /Farm Family currently has an exciting opportunity for an ... A working knowledge of computer programs, including Excel, Outlook, and Word. * Excellent ...

GNY Insurance Companies

Underwriter Trainee

Manhattan, NY · On-site

$54K - $95K/yr

At GNY, we recruit innovative thinkers, team players and confident risk-takers to carry on our rich tradition of underwriting excellence. The Underwriter Trainee Program offers a rare opportunity for ...

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Underwriting Trainee Program information

What is the difference between Underwriting Trainee Program vs Underwriter?

AspectUnderwriting Trainee ProgramUnderwriter
CredentialsTypically requires a bachelor's degree, often in finance, economics, or related fieldsRequires relevant experience, certifications (e.g., CPCU), and industry knowledge
Work EnvironmentTraining-focused, entry-level, often in an office settingDecision-making role, responsible for evaluating risks and approving policies
Industry UsageCommonly used for onboarding new talent in insurance companiesEstablished professional role within insurance and reinsurance firms

The Underwriting Trainee Program is designed to train newcomers with foundational knowledge and skills, preparing them for a full underwriting role. In contrast, an Underwriter is an experienced professional responsible for assessing risks and making underwriting decisions. The program serves as a stepping stone toward becoming an underwriter, who typically has more industry experience and certifications.

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

To thrive in an Underwriting Trainee Program, you generally need a bachelor's degree (often in finance, business, or a related field), strong analytical abilities, and numerical proficiency. Familiarity with underwriting software, Microsoft Excel, and sometimes progress toward industry certifications like CPCU is beneficial. Attention to detail, effective communication, and eagerness to learn are standout soft skills for this entry-level role. These skills enable trainees to accurately assess risk, collaborate with teams, and develop into successful underwriters.

What is an Underwriting Trainee Program?

An Underwriting Trainee Program is a structured entry-level development program designed to train individuals in the fundamentals of insurance underwriting. Trainees learn how to assess risks, price insurance policies, and make decisions about coverage under the guidance of experienced underwriters. These programs typically combine classroom instruction, on-the-job training, and mentorship. Upon successful completion, trainees may transition into full-time underwriting positions with increased responsibilities.

What types of projects and responsibilities can I expect to handle during an Underwriting Trainee Program?

As an Underwriting Trainee, you will typically rotate through different lines of business and assist experienced underwriters in evaluating insurance applications, assessing risk, and determining policy terms. You'll be involved in reviewing financial documents, communicating with brokers and clients, and learning about regulatory compliance. The program often includes both classroom training and on-the-job experience, providing a well-rounded introduction to the underwriting process. This hands-on exposure helps you build foundational knowledge and prepares you for more independent underwriting responsibilities after completing the program.
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Underwriting Trainee Program jobs near you
Infographic showing various Underwriting Trainee Program job openings in the United States as of May 2026, with employment types broken down into 99% Full Time, and 1% Temporary. Highlights an 96% Physical, 2% Hybrid, and 2% Remote job distribution.
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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