Lead Underwriter Jobs
Lead Underwriter jobs are open across insurance carriers, banks, mortgage lenders, and specialty finance firms, from associate to senior and principal levels, with specializations in commercial lines, mortgage underwriting, and life and health products. Find a role that fits below and apply directly.
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Join the Nationwide E&S Programs team as the lead underwriter for our Professional & Healthcare programs. Bring your expertise to complex risks, help shape portfolio strategy, and evaluate new program opportunities. You’ll work directly with Program Administrators and partner across Product, Finance, Actuarial, Claims, and Reinsurance to develop thoughtful underwriting strategies and strong, sustainable results. As a technical leader, you’ll help guide underwriting direction, share expertise, and strengthen consistency across the team—making a meaningful impact on the future growth of these specialized programs.
This role does not qualify for employer-sponsored work authorization. Nationwide does not participate in the Stem OPT Extension program.
#LI-CL1
#LI-Remote
Job Description Summary
Are you a problem solver who can analyze complex risk and find insurance solutions that balance customer needs with business goals? If you can take initiative, use both your analytical and creative abilities to make sound decisions and have a desire to help people solve real challenges, we want to know more about you!As a Consultant, you'll be responsible for reviewing and analyzing numerous, highly complex lines of business. You'll underwrite individual risk for acceptability, pricing, coverage, terms and conditions. You'll lead in the development and integration of new and existing programs and identify new program opportunities. You will participate in making reinsurance decisions; assist in developing and implementing loss control and risk management strategies. You'll collaborate between business partners for development and implementation of program specific tools (i. e. underwriting guidelines, forms/rate filings, etc) for new programs or modifications to existing programs. You'll communicate program updates to program managers and other business liaisons. In order to succeed, you will need to build and maintain effective relationships with internal business liaisons, external program managers, and other key partners. You will be responsible for the training and mentoring of underwriting team members.
Job Description
Key Responsibilities:
Drives the sales and underwriting relationship for Programs products and services. Provides input and data to help drive and implement strategic underwriting plans. Provides business forecasting related to trends, and profitability within Program vertical. Responsible for achieving established goals for assigned programs.
Analyzes program manager relationships/results and recommends corrective actions if necessary. Understands business needs and identifies new business opportunities.
Reviews highly complex ((e.g. including D&O, E&O, Employment Practices Liability, Medical Professional Liability, Contractual Liability, Cyber Liability, Shared and Layered Property, General Liability, Excess, auto, Recreation Marine, Energy, Environmental, Inland Marine, Warranty and Workers Compensation) individual risks, programs, or referrals within assigned territory from program managers and declines or accepts business based upon information necessary to make the decision. Some of the risks could be multinational or have alternative arrangements in place that make them unique. Acts as a subject matter expert in analyzing exposures to losses; develops adequate premium charge for the exposure. Determines appropriate endorsements and exclusions to address loss exposures for the insurance contract.
Actively engages in discussions with reinsurers per department guidelines verifying the appropriate use of all reinsurance facilities used by the department, including various treaty, semi-automatic and facultative reinsurance. Responsible for compiling data to be provided for reinsurers presentations. Maintains good working relationship with reinsurers.
Develops and implements underwriting guidelines, rates, forms, product endorsements and procedures. Assists in the development of department policies and underwriting and standard methodologies.
Interacts with various business partners (i.e. claims, actuary, compliance, etc.) to achieve company goals and objectives. Acts as an internal consultant responsible for resolving escalated issues and communicating to business liaisons and external sources regarding program initiatives.
Responsible for audits of individual risks/programs for compliance with company guidelines, state regulations and reinsurance conditions. Development and implementation of specific action plans may be required. Responsible for the resolution of advanced complex technical issues.
Independently establishes and maintains effective relationships with Program Managers in order to generate growth and profitably. Travels to existing and potential program manager offices, as required for marketing visits. Frequently entertains Program Managers to market services and ensure strong relationships to write profitable business.
Leads in the implementation of all new programs from development of underwriting guidelines, form/rate filings, compliance/regulatory matters, finance, reinsurance, claims, legal, accounting, actuarial and marketing matters to ensure proper program integration.
Attends industry functions to promote E&S/S Programs brand and capabilities of the programs team in order to help identify new program business opportunities.
Acts as a resource for direction, training and guidance for less experienced staff. May be responsible for underwriting and support staff.
Maintains knowledge of insurance regulations; provides consulting regarding legislation that impacts the organization.
May Perform other responsibilities as assigned.
Reporting Relationships: Reports to Director/AVP. Acts primarily as an individual contributor; may have three or less direct reports.
Typical Skills and Experiences:
Education: Undergraduate studies with focus in Finance, Accounting Economics, and/or Risk Management. Graduate degree preferred.
Experience: Typically five or more years related experience as a Professional, Financial and/or Specialty lines underwriter. Program leadership experience in professional lines of business is preferred. Some experience in the technical aspects of data management, imaging and procedures and processes helpful.
Knowledge, Abilities and Skills: Demonstrated knowledge of Professional, Financial, and/or Specialty lines underwriting policies, practices and procedures, insurance law and underwriting marketing principles and techniques. Strong understanding of financial documents, financial analysis, investments, market conditions essential. Legal knowledge related to insurance, contract and business law preferred. Understanding of employment principles and practices.
Must possess strong verbal and written communication skills to interact with internal/external business partners at all levels. Must have skills to influence and negotiate with internal/external business partners at all levels. Must have the ability to manage large programs; develop and apply innovative approaches to program initiatives and problem solutions. Proven ability to analyze and interpret mathematical, statistical and logical data, and evaluate its reliability and significance. Must have project and process management skills. Must have ability to evaluate, analyze and devise solutions to complex programs; implement the most appropriate solution and monitor the effectiveness. Ability to support numerous internal/external business partners and make decisions that reflect the goals of the company, both financially and ethically. Ability to lead, train, motivate employees and set work priorities. Ability to apply/learn job related software.
Other criteria, including leadership skills, competencies and experiences may take precedence.
Staffing exceptions to the above must be approved by the hiring manager’s leader and HR Business Partner.
Values: Regularly and consistently demonstrates Nationwide Values.
Job Conditions:
Overtime Eligibility: Not Eligible (Exempt)
Working Conditions: Normal office environment. Ability to travel locally and overnight for client meetings as needed.
ADA: The above statements cover what are generally believed to be principal and essential functions of this job. Specific circumstances may allow or require some people assigned to the job to perform a somewhat different combination of duties.
We currently anticipate accepting applications until 11/30/2026. However, we encourage early submissions, as the posting may close sooner if a strong candidate slate is identified before the deadline.Benefits
We have an array of benefits to fit your needs, including: medical/dental/vision, life insurance, short and long term disability coverage, paid time off with newly hired associates receiving a minimum of 18 days paid time off each full calendar year pro-rated quarterly based on hire date, nine paid holidays, 8 hours of Lifetime paid time off, 8 hours of Unity Day paid time off, 401(k) with company match, company-paid pension plan, business casual attire, and more.
Nationwide is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive culture where everyone feels challenged, appreciated, respected and engaged. Nationwide prohibits discrimination and harassment and affords equal employment opportunities to employees and applicants without regard to any characteristic (or classification) protected by applicable law.
This position could be filled within any of the lower 48 U.S. states. Smoke-Free Iowa Statement: Nationwide Mutual Insurance Company, its affiliates and subsidiaries comply with the Iowa Smokefree Air Act. Smoking is prohibited in all enclosed areas on or around company premises as well as company issued vehicles. The company offers designated smoking areas in which smoking is permitted at each individual location. The Act prohibits retaliation for reporting complaints or violations. For more information on the Iowa Smokefree Air Act, individuals may contact the Smokefree Air Act Helpline at 888-944-2247.For NY residents please review the following state law information: Notice of Employee Rights, Protections, and Obligations LS740 (ny.gov) https://dol.ny.gov/system/files/documents/2022/02/ls740_1.pdf
NOTE TO EMPLOYMENT AGENCIES:
We value the partnerships we have built with our preferred vendors. Nationwide does not accept unsolicited resumes from employment agencies. All resumes submitted by employment agencies directly to any Nationwide employee or hiring manager in any form without a signed Nationwide Client Services Agreement on file and search engagement for that position will be deemed unsolicited in nature. No fee will be paid in the event the candidate is subsequently hired as a result of the referral or through other means.
Nationwide pays on a geographic-specific salary structure and placement within the actual starting salary range for this position will be determined by a number of factors including the skills, education, training, credentials and experience of the candidate; the scope, complexity and location of the role as well as the cost of labor in the market; and other conditions of employment. If a Sales job, Sales Incentives, based on performance goals are possible in addition to this range. Note on Compensation for Part-Time Roles: Please be aware that the salary ranges listed below reflect full-time compensation. Actual compensation may be prorated based on the number of hours worked relative to a full-time schedule. The national salary range for Consultant, Program Underwriting - E&S/Specialty : $120,000.00-$224,000.00 The expected starting salary range for Consultant, Program Underwriting - E&S/Specialty : $120,000.00 - $180,000.00- Job Category Underwriting
- Position Type Full Time
- Posted 2026-11-10T08:20:35.166219+00:00
- Location(s)
- Arizona - Scottsdale, 18700 North Hayden Road
- United States - Remote
- Line of Business
- Entity
- Recruiter
- Hiring Manager
- Experience Level
- Req ID 101162
Join the Nationwide E&S Programs team as the lead underwriter for our Professional & Healthcare programs. Bring your expertise to complex risks, help shape portfolio strategy, and evaluate new program opportunities. You’ll work directly with Program Administrators and partner across Product, Finance, Actuarial, Claims, and Reinsurance to develop thoughtful underwriting strategies and strong, sustainable results. As a technical leader, you’ll help guide underwriting direction, share expertise, and strengthen consistency across the team—making a meaningful impact on the future growth of these specialized programs.
This role does not qualify for employer-sponsored work authorization. Nationwide does not participate in the Stem OPT Extension program.
#LI-CL1
#LI-Remote
Job Description Summary
Are you a problem solver who can analyze complex risk and find insurance solutions that balance customer needs with business goals? If you can take initiative, use both your analytical and creative abilities to make sound decisions and have a desire to help people solve real challenges, we want to know more about you!As a Consultant, you'll be responsible for reviewing and analyzing numerous, highly complex lines of business. You'll underwrite individual risk for acceptability, pricing, coverage, terms and conditions. You'll lead in the development and integration of new and existing programs and identify new program opportunities. You will participate in making reinsurance decisions; assist in developing and implementing loss control and risk management strategies. You'll collaborate between business partners for development and implementation of program specific tools (i. e. underwriting guidelines, forms/rate filings, etc) for new programs or modifications to existing programs. You'll communicate program updates to program managers and other business liaisons. In order to succeed, you will need to build and maintain effective relationships with internal business liaisons, external program managers, and other key partners. You will be responsible for the training and mentoring of underwriting team members.
Job Description
Key Responsibilities:
Drives the sales and underwriting relationship for Programs products and services. Provides input and data to help drive and implement strategic underwriting plans. Provides business forecasting related to trends, and profitability within Program vertical. Responsible for achieving established goals for assigned programs.
Analyzes program manager relationships/results and recommends corrective actions if necessary. Understands business needs and identifies new business opportunities.
Reviews highly complex ((e.g. including D&O, E&O, Employment Practices Liability, Medical Professional Liability, Contractual Liability, Cyber Liability, Shared and Layered Property, General Liability, Excess, auto, Recreation Marine, Energy, Environmental, Inland Marine, Warranty and Workers Compensation) individual risks, programs, or referrals within assigned territory from program managers and declines or accepts business based upon information necessary to make the decision. Some of the risks could be multinational or have alternative arrangements in place that make them unique. Acts as a subject matter expert in analyzing exposures to losses; develops adequate premium charge for the exposure. Determines appropriate endorsements and exclusions to address loss exposures for the insurance contract.
Actively engages in discussions with reinsurers per department guidelines verifying the appropriate use of all reinsurance facilities used by the department, including various treaty, semi-automatic and facultative reinsurance. Responsible for compiling data to be provided for reinsurers presentations. Maintains good working relationship with reinsurers.
Develops and implements underwriting guidelines, rates, forms, product endorsements and procedures. Assists in the development of department policies and underwriting and standard methodologies.
Interacts with various business partners (i.e. claims, actuary, compliance, etc.) to achieve company goals and objectives. Acts as an internal consultant responsible for resolving escalated issues and communicating to business liaisons and external sources regarding program initiatives.
Responsible for audits of individual risks/programs for compliance with company guidelines, state regulations and reinsurance conditions. Development and implementation of specific action plans may be required. Responsible for the resolution of advanced complex technical issues.
Independently establishes and maintains effective relationships with Program Managers in order to generate growth and profitably. Travels to existing and potential program manager offices, as required for marketing visits. Frequently entertains Program Managers to market services and ensure strong relationships to write profitable business.
Leads in the implementation of all new programs from development of underwriting guidelines, form/rate filings, compliance/regulatory matters, finance, reinsurance, claims, legal, accounting, actuarial and marketing matters to ensure proper program integration.
Attends industry functions to promote E&S/S Programs brand and capabilities of the programs team in order to help identify new program business opportunities.
Acts as a resource for direction, training and guidance for less experienced staff. May be responsible for underwriting and support staff.
Maintains knowledge of insurance regulations; provides consulting regarding legislation that impacts the organization.
May Perform other responsibilities as assigned.
Reporting Relationships: Reports to Director/AVP. Acts primarily as an individual contributor; may have three or less direct reports.
Typical Skills and Experiences:
Education: Undergraduate studies with focus in Finance, Accounting Economics, and/or Risk Management. Graduate degree preferred.
Experience: Typically five or more years related experience as a Professional, Financial and/or Specialty lines underwriter. Program leadership experience in professional lines of business is preferred. Some experience in the technical aspects of data management, imaging and procedures and processes helpful.
Knowledge, Abilities and Skills: Demonstrated knowledge of Professional, Financial, and/or Specialty lines underwriting policies, practices and procedures, insurance law and underwriting marketing principles and techniques. Strong understanding of financial documents, financial analysis, investments, market conditions essential. Legal knowledge related to insurance, contract and business law preferred. Understanding of employment principles and practices.
Must possess strong verbal and written communication skills to interact with internal/external business partners at all levels. Must have skills to influence and negotiate with internal/external business partners at all levels. Must have the ability to manage large programs; develop and apply innovative approaches to program initiatives and problem solutions. Proven ability to analyze and interpret mathematical, statistical and logical data, and evaluate its reliability and significance. Must have project and process management skills. Must have ability to evaluate, analyze and devise solutions to complex programs; implement the most appropriate solution and monitor the effectiveness. Ability to support numerous internal/external business partners and make decisions that reflect the goals of the company, both financially and ethically. Ability to lead, train, motivate employees and set work priorities. Ability to apply/learn job related software.
Other criteria, including leadership skills, competencies and experiences may take precedence.
Staffing exceptions to the above must be approved by the hiring manager’s leader and HR Business Partner.
Values: Regularly and consistently demonstrates Nationwide Values.
Job Conditions:
Overtime Eligibility: Not Eligible (Exempt)
Working Conditions: Normal office environment. Ability to travel locally and overnight for client meetings as needed.
ADA: The above statements cover what are generally believed to be principal and essential functions of this job. Specific circumstances may allow or require some people assigned to the job to perform a somewhat different combination of duties.
We currently anticipate accepting applications until 11/30/2026. However, we encourage early submissions, as the posting may close sooner if a strong candidate slate is identified before the deadline.Benefits
We have an array of benefits to fit your needs, including: medical/dental/vision, life insurance, short and long term disability coverage, paid time off with newly hired associates receiving a minimum of 18 days paid time off each full calendar year pro-rated quarterly based on hire date, nine paid holidays, 8 hours of Lifetime paid time off, 8 hours of Unity Day paid time off, 401(k) with company match, company-paid pension plan, business casual attire, and more.
Nationwide is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive culture where everyone feels challenged, appreciated, respected and engaged. Nationwide prohibits discrimination and harassment and affords equal employment opportunities to employees and applicants without regard to any characteristic (or classification) protected by applicable law.
This position could be filled within any of the lower 48 U.S. states. Smoke-Free Iowa Statement: Nationwide Mutual Insurance Company, its affiliates and subsidiaries comply with the Iowa Smokefree Air Act. Smoking is prohibited in all enclosed areas on or around company premises as well as company issued vehicles. The company offers designated smoking areas in which smoking is permitted at each individual location. The Act prohibits retaliation for reporting complaints or violations. For more information on the Iowa Smokefree Air Act, individuals may contact the Smokefree Air Act Helpline at 888-944-2247.For NY residents please review the following state law information: Notice of Employee Rights, Protections, and Obligations LS740 (ny.gov) https://dol.ny.gov/system/files/documents/2022/02/ls740_1.pdf
NOTE TO EMPLOYMENT AGENCIES:
We value the partnerships we have built with our preferred vendors. Nationwide does not accept unsolicited resumes from employment agencies. All resumes submitted by employment agencies directly to any Nationwide employee or hiring manager in any form without a signed Nationwide Client Services Agreement on file and search engagement for that position will be deemed unsolicited in nature. No fee will be paid in the event the candidate is subsequently hired as a result of the referral or through other means.
Nationwide pays on a geographic-specific salary structure and placement within the actual starting salary range for this position will be determined by a number of factors including the skills, education, training, credentials and experience of the candidate; the scope, complexity and location of the role as well as the cost of labor in the market; and other conditions of employment. If a Sales job, Sales Incentives, based on performance goals are possible in addition to this range. Note on Compensation for Part-Time Roles: Please be aware that the salary ranges listed below reflect full-time compensation. Actual compensation may be prorated based on the number of hours worked relative to a full-time schedule. The national salary range for Consultant, Program Underwriting - E&S/Specialty : $120,000.00-$224,000.00 The expected starting salary range for Consultant, Program Underwriting - E&S/Specialty : $120,000.00 - $180,000.00- Job Category Underwriting
- Position Type Full Time
- Posted 2026-11-10T08:20:35.166219+00:00
- Location(s)
- Arizona - Scottsdale, 18700 North Hayden Road
- United States - Remote
- Line of Business
- Entity
- Recruiter
- Hiring Manager
- Experience Level
- Req ID 101162
See All 23 Lead Underwriter Jobs
Find roles that match your experience and apply in just a few clicks.
Find Lead Underwriter JobsLead Underwriter Job Market
Who's Hiring
Top Industries Hiring
- Insurance
- Banking & Financial Services
What Employers Look For
The qualifications that appear most often in lead underwriter jobs.
- Five or more years of underwriting experience in a relevant line of business
- Demonstrated ability to independently assess and price complex or large-account risks
- Proficiency with underwriting platforms and policy administration systems
- CPCU designation or active progress toward it preferred or required
- Strong working knowledge of ISO forms, rating manuals, and coverage interpretation
- Bachelor's degree in business, finance, risk management, or a related field
Tips for Your Lead Underwriter Job Search
Tailor your resume to underwriting decisions
Highlight specific lines of business you've underwritten, the dollar volume of risks you've approved or declined, and any authority limits you held. Hiring managers want to see decision-making scope, not just that you reviewed files.
List your carrier and product experience clearly
Lead underwriter roles are often line-specific. If you've worked commercial property, E&S, or mortgage, name each product explicitly rather than writing 'multi-line experience.' Recruiters filter by line before they read anything else.
Pursue the CPCU or CPSU designation early
The Chartered Property Casualty Underwriter and the Chartered Professional Surplus Lines Underwriter designations appear in a significant share of senior postings. Even in-progress coursework signals commitment and can move your application past initial screening.
Apply early to roles that fit
Migrate Mate lists lead underwriter openings from across the United States in one place, so you can find roles that match your line of business and apply directly to each listing.
Prepare a portfolio of underwriting rationales
Some employers ask for a written underwriting analysis during screening. Pull two or three past cases where you can walk through your risk assessment, the data you relied on, and the outcome. Practice explaining your reasoning out loud, not just on paper.
Negotiate authority limits as part of your offer
Lead underwriters often have tiered approval authority baked into the job grade. When you receive an offer, ask explicitly what your binding authority ceiling will be and whether it can be expanded after a performance review. Title alone doesn't tell you.
Lead Underwriter Jobs: Frequently Asked Questions
Which companies are hiring the most lead underwriters?
The companies hiring the most lead underwriters right now include Alliant Insurance Services, Wells Fargo, and SCOR, with the largest share of openings in Arizona, Texas, and New York, based on current listings on Migrate Mate as of November 2026. Regional carriers and specialty surplus lines markets tend to post consistently throughout the year.
How many lead underwriter jobs are remote?
About 93% of lead underwriter openings are fully remote or hybrid as of November 2026, with the highest remote share in personal lines and mortgage underwriting roles where file review is the primary workflow. Commercial specialty and excess and surplus lines positions are more likely to require in-office presence for broker relationship management.
How do you become a lead underwriter?
Start in an underwriting assistant or junior underwriter role at a carrier or managing general agent, then build authority limits and line expertise over several years. Earn a recognized industry designation such as the CPCU to demonstrate technical mastery. Move into accounts with increasing complexity until you can independently manage a book and mentor junior staff, which is typically the threshold for a lead title.
Can you get hired as a lead underwriter with little experience?
A lead underwriter role almost always requires several years of hands-on underwriting experience because the title carries independent authority and mentoring responsibilities. If you're earlier in your career, target associate or underwriter roles first to build a book of business and earn authority limits. Carriers occasionally promote from within faster when you specialize in a high-demand line such as cyber or E&S property.
What does the lead underwriter interview process look like?
Most processes start with a recruiter screen, then move to a technical interview where you walk through how you assess a specific risk class, price a submission, or handle a coverage dispute. A second round often involves a panel with an underwriting manager and sometimes a senior broker contact. Some employers add a written case study where you underwrite a sample account and present your reasoning and pricing rationale.
Where can I find and apply to lead underwriter jobs?
You can find and apply to lead underwriter jobs on Migrate Mate, which lists current openings from across the United States in one place. Search the listings, find roles that match your line of business and experience level, and apply directly to each one.
See All 23 Lead Underwriter Jobs
Find roles that match your experience and apply in just a few clicks.
Find Lead Underwriter Jobs