Commercial Underwriter Jobs
Commercial Underwriter jobs are open across insurance carriers, banks, specialty finance, and reinsurance firms, at every level from associate to senior and manager, with specializations in property and casualty, commercial lines, and excess and surplus. See the openings below and apply to the ones that match your experience.
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Showing 5 of 262+ Commercial Underwriter jobs
Position Overview
At PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. We work together each day to foster an inclusive workplace culture where all of our employees feel respected, valued and have an opportunity to contribute to the company’s success. As an Underwriter Sr - Commercial within PNC's Regional Credit Products Group organization, you will be based in Cleveland, OH.
PNC is an in-office company that fosters a supportive culture where employees can thrive and achieve balance. We encourage candidates to connect with their recruiter and hiring manager to understand workplace expectations and ensure the role aligns with their goals.PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position.
Job Description
- Works autonomously. Exercises exception and elevated approval authority. Prepares offerings for all types of transactions at any level of complexity or in management of a portfolio as assigned, typically for more complex transactions. Interacts with internal/external customers. Provides recommendations for credit structuring. Serves as subject matter expert for certain asset classes. Serves as a coach, work lead and trainer for the group.
- Using independent judgment to identify risks and mitigants, prepares offerings and/or scorecards, such as risk ratings, by analyzing credit, collateral strength and financial worthiness of loan/transaction parties. If relevant, performs ongoing credit risk management for assigned portfolio. Coaches and/or reviews the work of other underwriters and fills in for manager as required. May be accountable for work product quality of team and serve as a point of escalation.
- Builds ongoing relationships with internal/external customers and other parties. Contacts internal/external customers and other parties as appropriate to gather information and to clarify inconsistent, incorrect or missing information. May perform relevant pre-approval and post-approval activities.
- Identifies and/or confirms all external regulatory requirements. Ensures internal policies/procedures are followed. Provides recommendations for process improvement and participates in special initiatives.
- Makes recommendations on credit decisions or makes credit decisions directly, as appropriate.
PNC Employees take pride in our reputation and to continue building upon that we expect our employees to be:
Customer Focused - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions.- Managing Risk - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework.
Qualifications
Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role. Listed below are skills, competencies, work experience, education, and required certifications/licensures needed to be successful in this position.
Competencies
Accuracy and Attention to Detail, Coaching Others, Credit Analysis and Verification, Decision Making and Critical Thinking, Effective Communications, Financial Analysis, Knowledge of Underwriting, Managing Multiple Priorities, Office Support Tools, Operational FunctionsWork Experience
Roles at this level typically require a university / college degree. Higher level education such as a Masters degree, PhD, or certifications is desirable. Industry relevant experience is typically 8+ years. Specific certifications are often required. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.Education
BachelorsCertifications
No Required Certification(s)Licenses
No Required License(s)Language Assessments
No Required or Preferred Language Assessments
Pay Transparency
Base Salary: $112,000.00 – $208,000.00
Salaries may vary based on geographic location, market data and on individual skills, experience, and education. This role is incentive eligible with the payment based upon company, business and/or individual performance.Application Window
Generally, this opening is expected to be posted for two business days from 11/10/2026, although it may be longer with business discretion.Benefits
PNC offers a comprehensive range of benefits to help meet your needs now and in the future. Depending on your eligibility, options for full-time employees include: medical/prescription drug coverage (with a Health Savings Account feature), dental and vision options; employee and spouse/child life insurance; short and long-term disability protection; 401(k) with PNC match, pension and stock purchase plans; dependent care reimbursement account; back-up child/elder care; adoption, surrogacy, and doula reimbursement; educational assistance, including select programs fully paid; a robust wellness program with financial incentives. In addition, PNC generally provides the following paid time off, depending on your eligibility: maternity and/or parental leave; up to 11 paid holidays each year; 9 occasional absence days each year, unless otherwise required by law; between 15 to 25 vacation days each year, depending on career level; and years of service.To learn more about these and other programs, including benefits for full time and part-time employees, visit pncthrive.com.
Disability Accommodations Statement
If an accommodation is required to participate in the application process, please contact us via email at AccommodationRequest@pnc.com. Please include “accommodation request” in the subject line title and be sure to include your name, the job ID, and your preferred method of contact in the body of the email. Emails not related to accommodation requests will not receive responses. Applicants may also call 877-968-7762 and say "Workday" for accommodation assistance. All information provided will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.
At PNC we foster an inclusive and accessible workplace. We provide reasonable accommodations to employment applicants and qualified individuals with a disability who need an accommodation to perform the essential functions of their positions.
Equal Employment Opportunity (EEO)
PNC provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.
This position is subject to the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA) and, for any registered role, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) and/or the Financial Industry Regulatory Authority (FINRA), which prohibit the hiring of individuals with certain criminal history.
California Residents
Refer to the California Consumer Privacy Act Privacy Notice to gain understanding of how PNC may use or disclose your personal information in our hiring practices.
Position Overview
At PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. We work together each day to foster an inclusive workplace culture where all of our employees feel respected, valued and have an opportunity to contribute to the company’s success. As an Underwriter Sr - Commercial within PNC's Regional Credit Products Group organization, you will be based in Cleveland, OH.
PNC is an in-office company that fosters a supportive culture where employees can thrive and achieve balance. We encourage candidates to connect with their recruiter and hiring manager to understand workplace expectations and ensure the role aligns with their goals.PNC will not provide sponsorship for employment visas or participate in STEM OPT for this position.
Job Description
- Works autonomously. Exercises exception and elevated approval authority. Prepares offerings for all types of transactions at any level of complexity or in management of a portfolio as assigned, typically for more complex transactions. Interacts with internal/external customers. Provides recommendations for credit structuring. Serves as subject matter expert for certain asset classes. Serves as a coach, work lead and trainer for the group.
- Using independent judgment to identify risks and mitigants, prepares offerings and/or scorecards, such as risk ratings, by analyzing credit, collateral strength and financial worthiness of loan/transaction parties. If relevant, performs ongoing credit risk management for assigned portfolio. Coaches and/or reviews the work of other underwriters and fills in for manager as required. May be accountable for work product quality of team and serve as a point of escalation.
- Builds ongoing relationships with internal/external customers and other parties. Contacts internal/external customers and other parties as appropriate to gather information and to clarify inconsistent, incorrect or missing information. May perform relevant pre-approval and post-approval activities.
- Identifies and/or confirms all external regulatory requirements. Ensures internal policies/procedures are followed. Provides recommendations for process improvement and participates in special initiatives.
- Makes recommendations on credit decisions or makes credit decisions directly, as appropriate.
PNC Employees take pride in our reputation and to continue building upon that we expect our employees to be:
Customer Focused - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions.- Managing Risk - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework.
Qualifications
Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role. Listed below are skills, competencies, work experience, education, and required certifications/licensures needed to be successful in this position.
Competencies
Accuracy and Attention to Detail, Coaching Others, Credit Analysis and Verification, Decision Making and Critical Thinking, Effective Communications, Financial Analysis, Knowledge of Underwriting, Managing Multiple Priorities, Office Support Tools, Operational FunctionsWork Experience
Roles at this level typically require a university / college degree. Higher level education such as a Masters degree, PhD, or certifications is desirable. Industry relevant experience is typically 8+ years. Specific certifications are often required. In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered.Education
BachelorsCertifications
No Required Certification(s)Licenses
No Required License(s)Language Assessments
No Required or Preferred Language Assessments
Pay Transparency
Base Salary: $112,000.00 – $208,000.00
Salaries may vary based on geographic location, market data and on individual skills, experience, and education. This role is incentive eligible with the payment based upon company, business and/or individual performance.Application Window
Generally, this opening is expected to be posted for two business days from 11/10/2026, although it may be longer with business discretion.Benefits
PNC offers a comprehensive range of benefits to help meet your needs now and in the future. Depending on your eligibility, options for full-time employees include: medical/prescription drug coverage (with a Health Savings Account feature), dental and vision options; employee and spouse/child life insurance; short and long-term disability protection; 401(k) with PNC match, pension and stock purchase plans; dependent care reimbursement account; back-up child/elder care; adoption, surrogacy, and doula reimbursement; educational assistance, including select programs fully paid; a robust wellness program with financial incentives. In addition, PNC generally provides the following paid time off, depending on your eligibility: maternity and/or parental leave; up to 11 paid holidays each year; 9 occasional absence days each year, unless otherwise required by law; between 15 to 25 vacation days each year, depending on career level; and years of service.To learn more about these and other programs, including benefits for full time and part-time employees, visit pncthrive.com.
Disability Accommodations Statement
If an accommodation is required to participate in the application process, please contact us via email at AccommodationRequest@pnc.com. Please include “accommodation request” in the subject line title and be sure to include your name, the job ID, and your preferred method of contact in the body of the email. Emails not related to accommodation requests will not receive responses. Applicants may also call 877-968-7762 and say "Workday" for accommodation assistance. All information provided will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.
At PNC we foster an inclusive and accessible workplace. We provide reasonable accommodations to employment applicants and qualified individuals with a disability who need an accommodation to perform the essential functions of their positions.
Equal Employment Opportunity (EEO)
PNC provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law.
This position is subject to the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA) and, for any registered role, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) and/or the Financial Industry Regulatory Authority (FINRA), which prohibit the hiring of individuals with certain criminal history.
California Residents
Refer to the California Consumer Privacy Act Privacy Notice to gain understanding of how PNC may use or disclose your personal information in our hiring practices.
See All 262+ Commercial Underwriter Jobs
Find roles that match your experience and apply in just a few clicks.
Find Commercial Underwriter JobsCommercial Underwriter Job Market
Who's Hiring
- Risksmith Insurance Services44
- AmWINS Group9
- FCT7
- Busey Bank7
- Burns & Wilcox7
Top Industries Hiring
- Insurance53
- Banking & Financial Services7
- Fintech1
- Investment & Asset Management1
What Employers Look For
The qualifications that appear most often in commercial underwriter jobs.
- Three to five years of commercial lines underwriting experience in property, casualty, or specialty lines
- Proficiency with underwriting platforms and commercial rating systems such as Applied or similar tools
- Strong financial statement analysis and risk assessment skills for evaluating business accounts
- Associate in Commercial Underwriting, CPCU designation, or active progress toward one
- Demonstrated experience managing a book of business and meeting loss ratio targets
- Bachelor's degree in business, finance, risk management, or a related field
Tips for Your Commercial Underwriter Job Search
Tailor your resume to the line
Commercial underwriting covers wildly different risk types. A resume built around property and casualty experience won't land as well for a surety or inland marine role. Reframe your loss ratio analysis and referral authority to match the specific line in each posting.
List your authority level explicitly
Hiring managers want to know your binding authority limit and referral threshold upfront. Put those numbers on your resume in the experience section, not buried in a summary. Candidates who omit this force screeners to guess, and guesses usually go against you.
Get the AU or CPCU designation on your radar
If you don't hold an Associate in Commercial Underwriting or CPCU designation yet, note any courses completed or exams passed. Many employers treat in-progress credentials as a genuine signal of commitment, especially for mid-level commercial underwriter openings.
Apply early to roles that fit
Migrate Mate lists commercial underwriter openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Prepare a risk narrative for the interview
Interviewers frequently ask you to walk through a file you declined or modified. Have two or three real examples ready that show your reasoning on adverse risk factors, not just the outcome. Walk through what data you used and why you reached your decision.
Negotiate referral authority as a career metric
When you receive an offer, ask about the binding authority ceiling and the timeline for expanding it. Knowing the ceiling tells you how much growth the role actually offers. A lower base with a faster authority escalation path can outperform a higher salary at a flat authority level.
Commercial Underwriter Jobs: Frequently Asked Questions
Which companies are hiring the most commercial underwriters?
Risksmith Insurance Services, AmWINS Group, and FCT are hiring the most commercial underwriters right now, with openings concentrated in California, Texas, and Florida, based on current listings on Migrate Mate as of November 2026. Regional carriers and managing general agents are also posting frequently alongside national insurers.
How many commercial underwriter jobs are remote?
About 57% of commercial underwriter openings are fully remote or hybrid as of November 2026, with the highest remote share in excess and surplus lines and specialty casualty roles. Property underwriters tied to inspection workflows tend to have fewer fully remote options than their financial lines counterparts.
How do you become a commercial underwriter?
Start with a bachelor's degree in business, finance, or risk management, then pursue an entry-level underwriting assistant or analyst role at a carrier or managing general agent. Build your technical skills in risk evaluation and financial statement analysis, work toward an AU or CPCU designation, and progress by expanding your binding authority through demonstrated book performance.
Can you get hired as a commercial underwriter without experience?
Yes, carriers and brokers hire underwriting assistants and trainees with no direct underwriting experience. A background in insurance operations, claims, or commercial lending translates well because it shows you can read a risk and work within compliance frameworks. Internships with regional carriers or rotational programs at large insurers are the most direct entry points for new graduates.
What does the commercial underwriter interview process look like?
Most employers run two to three rounds, starting with a recruiter screen focused on your line experience and authority level. A hiring manager interview follows, usually including a file review exercise where you walk through a hypothetical or real account submission and explain your decision. Senior roles may add a panel interview with underwriting leadership and a written case analysis.
Where can I find and apply to commercial underwriter jobs?
You can find and apply to commercial underwriter jobs on Migrate Mate, which lists current openings from across the United States. Search for roles that fit your line experience and seniority level, then apply directly to each listing that matches what you're looking for.
See All 262+ Commercial Underwriter Jobs
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Find Commercial Underwriter Jobs