Entry Level Life Underwriter Jobs
New grad life underwriter jobs welcome recent graduates and entry level candidates with zero to two years of experience, where a strong internship, coursework in risk assessment, or an industry certification can matter more than a long resume. Most openings are on-site roles across Insurance, Banking & Financial Services, and Electronics & Hardware, with employers like Risksmith Insurance Services, Risksmith Insurance Services, and Stewart Title hiring at this level now.
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Showing 5 of 90+ Entry Level Life Underwriter jobs
Job Description and Requirements
We are currently seeking a talented Mortgage Underwriter to join our growing team. This will be a work from home position. All applicants must reside within the State of Texas and have the capability of performing all of the work from their home in Texas.
The Mortgage Underwriter will be responsible for underwriting mortgage loans and home equity loans ensuring compliance with appropriate portfolio and/or secondary market guidelines. They will examine loan documentation for accuracy and completeness and analyze and assess loan information to render an unbiased lending decision for credit worthiness. In addition, they will provide cross sell recommendations as warranted, maintain service level agreement turn-times, and refer loans outside of approving limits to management for approval.
Essential Functions & Responsibilities:
- Loan Application – Review for accuracy and completeness. Provide Loan Officers and Processors feedback for training purposes.
- Title – Review title commitments/searches to ensure vesting matches the loan.
- Credit Analysis – Analyze the borrower’s willingness and ability to repay the mortgage debt. This includes review of credit reports, income verification, tax return analysis and consideration of other compensating factors.
- Appraisal - Evaluate appraisal or other valuation methodology to determine suitability for loan collateral. Assist with resolving appraisal review concerns when warranted.
- Compliance – Ensure all fair lending and mortgage regulatory policies are followed. All other duties as assigned (note: essential functions and responsibilities may change or new ones may be assigned at any time with or without notice).
Requirements:
- High School Diploma/GED
- 1-3 years of job related work experience
- Proficient analytical skills and mortgage lending regulation knowledge
- Excellent verbal and written communication skills
- Strong organizational skills to perform multiple tasks
- Ability to meet production, quality and service standards along with providing coaching and feedback to ensure loan quality
- Demonstrated experience in real estate lending regulations including but not limited to TILA, RESPA, HMDA, ECOA and Flood Disaster Protection Act
- Working knowledge of Fannie Mae Desktop Underwriting and PMI underwriting guidelines
- Home Equity Lending experience
- Capable and experienced in manual credit risk evaluation Experience with Microsoft applications and Internet navigation
Preferred:
- Underwriting designations such as CRU, ARU, DE or SAR
- Experience with Encompass LOS Some College/Associate's Degree
All qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, disability, veteran status, or other legally protected status.
Job Description and Requirements
We are currently seeking a talented Mortgage Underwriter to join our growing team. This will be a work from home position. All applicants must reside within the State of Texas and have the capability of performing all of the work from their home in Texas.
The Mortgage Underwriter will be responsible for underwriting mortgage loans and home equity loans ensuring compliance with appropriate portfolio and/or secondary market guidelines. They will examine loan documentation for accuracy and completeness and analyze and assess loan information to render an unbiased lending decision for credit worthiness. In addition, they will provide cross sell recommendations as warranted, maintain service level agreement turn-times, and refer loans outside of approving limits to management for approval.
Essential Functions & Responsibilities:
- Loan Application – Review for accuracy and completeness. Provide Loan Officers and Processors feedback for training purposes.
- Title – Review title commitments/searches to ensure vesting matches the loan.
- Credit Analysis – Analyze the borrower’s willingness and ability to repay the mortgage debt. This includes review of credit reports, income verification, tax return analysis and consideration of other compensating factors.
- Appraisal - Evaluate appraisal or other valuation methodology to determine suitability for loan collateral. Assist with resolving appraisal review concerns when warranted.
- Compliance – Ensure all fair lending and mortgage regulatory policies are followed. All other duties as assigned (note: essential functions and responsibilities may change or new ones may be assigned at any time with or without notice).
Requirements:
- High School Diploma/GED
- 1-3 years of job related work experience
- Proficient analytical skills and mortgage lending regulation knowledge
- Excellent verbal and written communication skills
- Strong organizational skills to perform multiple tasks
- Ability to meet production, quality and service standards along with providing coaching and feedback to ensure loan quality
- Demonstrated experience in real estate lending regulations including but not limited to TILA, RESPA, HMDA, ECOA and Flood Disaster Protection Act
- Working knowledge of Fannie Mae Desktop Underwriting and PMI underwriting guidelines
- Home Equity Lending experience
- Capable and experienced in manual credit risk evaluation Experience with Microsoft applications and Internet navigation
Preferred:
- Underwriting designations such as CRU, ARU, DE or SAR
- Experience with Encompass LOS Some College/Associate's Degree
All qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, disability, veteran status, or other legally protected status.
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Find JobsEntry Level Life Underwriter Job Market
Who's Hiring
- Risksmith Insurance Services60
- Stewart Title3
- LBC Mortgage2
- Chubb Insurance2
Top Industries Hiring
- Insurance80
- Banking & Financial Services5
- Electronics & Hardware1
- Healthcare & Medical Services1
Entry Level Life Underwriter Jobs: Frequently Asked Questions
How do I get an entry level life underwriter job?
Start by building foundational credentials: a degree in finance, business, actuarial science, or a related field signals readiness to most hiring managers. Internship experience in insurance or financial services gives you a real edge. Pursuing an entry level certification like the LOMA designations demonstrates commitment. Tailor your resume to highlight analytical skills, attention to detail, and any coursework in mortality tables, risk classification, or policy terms.
Which companies hire entry level life underwriters?
Companies hiring entry level life underwriters right now include Risksmith Insurance Services, Risksmith Insurance Services, and Stewart Title, based on current listings on Migrate Mate as of November 2026. At this level, hiring tends to come from established insurance carriers, regional mutual companies, and financial services firms that run structured training programs for new underwriting talent.
Are there remote entry level life underwriter jobs?
Yes, though most entry level roles still favor on-site or hybrid arrangements to support structured onboarding and mentorship. About 17% of entry level life underwriter openings are remote or hybrid as of November 2026, so options exist for candidates who need flexibility, particularly at larger carriers with established distributed teams.
Are these new grad life underwriter jobs?
Yes, these listings include new grad, recent graduate, and junior life underwriter roles. A posting is new-grad friendly when it welcomes zero to two years of experience, accepts internships or co-op work in lieu of full-time history, or values a relevant portfolio of coursework and certifications. Look for language like "will train" or "entry level candidates encouraged to apply" as strong signals.
Which industries hire the most entry level life underwriters?
Entry Level life underwriter roles concentrate in Insurance, Banking & Financial Services, and Electronics & Hardware, based on current listings on Migrate Mate as of November 2026. These sectors drive hiring at this level because they maintain large books of individual and group life policies that require ongoing risk assessment and policy issuance support from junior underwriting staff.