Senior Level Loan Underwriter Jobs
Senior level loan underwriter jobs put experienced professionals in charge of complex credit decisions, underwriting policy, and the junior staff who execute daily reviews. Openings concentrate in Insurance, Banking & Financial Services, and Consulting & Professional Services, with a mix of on-site, remote, and hybrid settings, and employers like AmeriHome Mortgage Company, Alliant Insurance Services, and Western Alliance Bank hiring at this level now.
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Facultative Property Senior Underwriter
We’re adding to our diverse team of experts and are looking to hire those who are committed to building a culture that enables the creation of innovative solutions for our business units and clients. We will consider a range of experience for this role and the offer will be commensurate with that.
The Company
As a member of Munich Re's US operations, we offer the financial strength and stability that comes with being part of the world's preeminent insurance and reinsurance brand. Our risk experts work together to assemble the right mix of products and services to help our clients stay competitive – from traditional reinsurance coverages, to niche and specialty reinsurance and insurance products.
Munich Re Facultative and Corporate (MR F&C) was created to bundle Munich Re’s facultative and corporate business into one global unit. We believe that by aligning our single risk business in one unified team we will better position Munich Re to provide a holistic suite of products and services that meet the growing demands of our clients and broker partners.
The Opportunity
Future focused and always one step ahead!
With this opportunity, your primary responsibility will be underwriting Property facultative individual risk business in the US. Facultative Underwriters are responsible for risk analysis and assessment, coverage evaluation, pricing and marketing to assigned brokers and clients. This position will lead or assist in negotiations in order to maintain and develop a profitable facultative reinsurance portfolio.
Responsibilities:
- Independently underwrite and price moderate to highly complex business in accordance with corporate, divisional and department guidelines and philosophy.
- Produce, underwrite, and manage the book of business in compliance with applicable underwriting guidelines, strategies, and best practices
- Perform the underwriting referral function as specified and as required in the underwriting guidelines and mandates
- Help refine and implement our portfolio strategy. Ensure high-quality underwriting through coaching, mentoring, technical guidance, and frequent feedback.
- Develop and maintain strong market presence by developing client and broker strategies.
- Develop new business opportunities and promote Group’s capabilities and competencies externally in close cooperation with Client Management.
- Establish and maintain sound contact with clients and brokers, keeping abreast of market and industry developments and client needs.
- Demonstrated superior negotiation skills, facilitating and managing the complexities and challenges associated with sourcing business.
- Negotiate and conclude the offers, terms of contract with Brokers/Clients and, when necessary and feasible, submit counter proposals.
- Lead interdepartmental projects to develop and implement underwriting strategies
- Strong ability to lead a team technically by providing straight-forward, clear direction, guidance, and coaching.
- Demonstrate advanced proficiency in the use of pricing models and other risk evaluation models
- Strategic decision making based on data interpretation beyond models
- Excellent written and oral communication skills
- Able to adjust communication style to audience at all levels internally or externally
- Outstanding presentation skills, able to speak at professional seminars, panels, or workshops
- Conduct and lead peer reviews of team members’ accounts
- Be a peer review resource to other distribution channels and Client Groups, providing underwriting expertise and input
Qualifications:
- 10+ years of experience in (re)insurance, broker community and/ or corporate risk market
- 5+ years of underwriting experience preferred
- Bachelor’s Degree preferred advanced degree a plus or CPCU, Professional designations a plus
- Superior Negotiation, Relationship Management and Marketing skills
- Strong computer skills.
- Excellent verbal/written language and communication skills.
- Ability to work cross-functionally and cross-culturally to collaborate with teams in London, Munich and globally.
- Ability to travel nationally and internationally - up to 30%
The Company is open to considering candidates in New York City (NY). The salary range posted below applies to the Company’s Manhattan location.
The base salary range anticipated for this position is $200,000 - $250,000 plus opportunity for company bonus based upon a percentage of eligible pay. In addition, the company makes available a variety of benefits to employees, including health insurance coverage, an employee wellness program, life and disability insurance, 401k match, retirement savings plan, paid holidays and paid time off (PTO).
The salary estimate displayed represents the typical salary range for candidates hired in this position in New York City. Factors that may be used to determine your actual salary include your specific skills, how many years of experience you have and comparison to other employees already in this role. Most candidates will start in the bottom half of the range.
- Two options for your health insurance plan (PPO or High Deductible).
- Prescription drug coverage (included in your health insurance plan).
- Vision and dental insurance plans.
- Additional insurance coverages provided at no cost to you, such as basic life insurance equal to 1x annual salary and AD&D coverage that is equal to 1x annual salary.
- Short and Long Term Disability coverage.
- Supplemental Life and AD&D plans that you can purchase for yourself and dependents (includes Spouse/domestic partner and children).
- Voluntary Benefit plans that supplement your health and life insurance plans (Accident, Critical Illness and Hospital Indemnity).
- A robust 401k plan with up to a 5% employer match
- A retirement savings plan that is 100% company funded.
- Paid time off that begins with 24 days each year, with more days added when you celebrate milestone service anniversaries.
- Eligibility to receive a yearly bonus as a Munich Re employee.
- A variety of health and wellness programs provided at no cost.
- Paid time off for eligible family care needs.
- Tuition assistance and educational achievement bonuses.
- A corporate matching gifts program that further enhances your charitable donation.
- Paid time off to volunteer in your community.
At Munich Re, we see Diversity, Equity and Inclusion as a solution to the challenges and opportunities all around us. Our goal is to foster an inclusive culture and build a workforce that reflects the customers we serve and the communities in which we live and work. We strive to provide a workplace where all of our colleagues feel respected, valued and empowered to achieve their very best every day. We recruit and develop talent with a focus on providing our customers the most innovative products and services.
We are an equal opportunity employer. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Your Benefits
With us, you get more than just an exciting job. Enjoy a wide range of employee benefits tailored to your wellbeing and development. Please note that regional differences may apply.
Competitive Salary
We provide fair and competitive compensation that reflects your performance and commitment.
Company performance-based Incentives
In addition to your salary, our variable compensation approach allows you to share in Munich Re's success.
Recognition and Special Rewards
We recognise outstanding individual contributions through a variety of targeted rewards and incentives.
Retirement Planning
We support your long-term financial wellbeing with retirement solutions aligned with local regulations.
Inclusive Workplace Culture
We foster a respectful, inclusive, and values-driven environment.
Learning & Development
We offer tailored learning opportunities with a strong focus on core skills and business-critical knowledge.
Work-Life-Balance
Supporting your ability to balance family, leisure, and your career.
Health & Wellbeing
We support your physical and mental health through a range of programs and activities in each location.
Facultative Property Senior Underwriter
We’re adding to our diverse team of experts and are looking to hire those who are committed to building a culture that enables the creation of innovative solutions for our business units and clients. We will consider a range of experience for this role and the offer will be commensurate with that.
The Company
As a member of Munich Re's US operations, we offer the financial strength and stability that comes with being part of the world's preeminent insurance and reinsurance brand. Our risk experts work together to assemble the right mix of products and services to help our clients stay competitive – from traditional reinsurance coverages, to niche and specialty reinsurance and insurance products.
Munich Re Facultative and Corporate (MR F&C) was created to bundle Munich Re’s facultative and corporate business into one global unit. We believe that by aligning our single risk business in one unified team we will better position Munich Re to provide a holistic suite of products and services that meet the growing demands of our clients and broker partners.
The Opportunity
Future focused and always one step ahead!
With this opportunity, your primary responsibility will be underwriting Property facultative individual risk business in the US. Facultative Underwriters are responsible for risk analysis and assessment, coverage evaluation, pricing and marketing to assigned brokers and clients. This position will lead or assist in negotiations in order to maintain and develop a profitable facultative reinsurance portfolio.
Responsibilities:
- Independently underwrite and price moderate to highly complex business in accordance with corporate, divisional and department guidelines and philosophy.
- Produce, underwrite, and manage the book of business in compliance with applicable underwriting guidelines, strategies, and best practices
- Perform the underwriting referral function as specified and as required in the underwriting guidelines and mandates
- Help refine and implement our portfolio strategy. Ensure high-quality underwriting through coaching, mentoring, technical guidance, and frequent feedback.
- Develop and maintain strong market presence by developing client and broker strategies.
- Develop new business opportunities and promote Group’s capabilities and competencies externally in close cooperation with Client Management.
- Establish and maintain sound contact with clients and brokers, keeping abreast of market and industry developments and client needs.
- Demonstrated superior negotiation skills, facilitating and managing the complexities and challenges associated with sourcing business.
- Negotiate and conclude the offers, terms of contract with Brokers/Clients and, when necessary and feasible, submit counter proposals.
- Lead interdepartmental projects to develop and implement underwriting strategies
- Strong ability to lead a team technically by providing straight-forward, clear direction, guidance, and coaching.
- Demonstrate advanced proficiency in the use of pricing models and other risk evaluation models
- Strategic decision making based on data interpretation beyond models
- Excellent written and oral communication skills
- Able to adjust communication style to audience at all levels internally or externally
- Outstanding presentation skills, able to speak at professional seminars, panels, or workshops
- Conduct and lead peer reviews of team members’ accounts
- Be a peer review resource to other distribution channels and Client Groups, providing underwriting expertise and input
Qualifications:
- 10+ years of experience in (re)insurance, broker community and/ or corporate risk market
- 5+ years of underwriting experience preferred
- Bachelor’s Degree preferred advanced degree a plus or CPCU, Professional designations a plus
- Superior Negotiation, Relationship Management and Marketing skills
- Strong computer skills.
- Excellent verbal/written language and communication skills.
- Ability to work cross-functionally and cross-culturally to collaborate with teams in London, Munich and globally.
- Ability to travel nationally and internationally - up to 30%
The Company is open to considering candidates in New York City (NY). The salary range posted below applies to the Company’s Manhattan location.
The base salary range anticipated for this position is $200,000 - $250,000 plus opportunity for company bonus based upon a percentage of eligible pay. In addition, the company makes available a variety of benefits to employees, including health insurance coverage, an employee wellness program, life and disability insurance, 401k match, retirement savings plan, paid holidays and paid time off (PTO).
The salary estimate displayed represents the typical salary range for candidates hired in this position in New York City. Factors that may be used to determine your actual salary include your specific skills, how many years of experience you have and comparison to other employees already in this role. Most candidates will start in the bottom half of the range.
- Two options for your health insurance plan (PPO or High Deductible).
- Prescription drug coverage (included in your health insurance plan).
- Vision and dental insurance plans.
- Additional insurance coverages provided at no cost to you, such as basic life insurance equal to 1x annual salary and AD&D coverage that is equal to 1x annual salary.
- Short and Long Term Disability coverage.
- Supplemental Life and AD&D plans that you can purchase for yourself and dependents (includes Spouse/domestic partner and children).
- Voluntary Benefit plans that supplement your health and life insurance plans (Accident, Critical Illness and Hospital Indemnity).
- A robust 401k plan with up to a 5% employer match
- A retirement savings plan that is 100% company funded.
- Paid time off that begins with 24 days each year, with more days added when you celebrate milestone service anniversaries.
- Eligibility to receive a yearly bonus as a Munich Re employee.
- A variety of health and wellness programs provided at no cost.
- Paid time off for eligible family care needs.
- Tuition assistance and educational achievement bonuses.
- A corporate matching gifts program that further enhances your charitable donation.
- Paid time off to volunteer in your community.
At Munich Re, we see Diversity, Equity and Inclusion as a solution to the challenges and opportunities all around us. Our goal is to foster an inclusive culture and build a workforce that reflects the customers we serve and the communities in which we live and work. We strive to provide a workplace where all of our colleagues feel respected, valued and empowered to achieve their very best every day. We recruit and develop talent with a focus on providing our customers the most innovative products and services.
We are an equal opportunity employer. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Your Benefits
With us, you get more than just an exciting job. Enjoy a wide range of employee benefits tailored to your wellbeing and development. Please note that regional differences may apply.
Competitive Salary
We provide fair and competitive compensation that reflects your performance and commitment.
Company performance-based Incentives
In addition to your salary, our variable compensation approach allows you to share in Munich Re's success.
Recognition and Special Rewards
We recognise outstanding individual contributions through a variety of targeted rewards and incentives.
Retirement Planning
We support your long-term financial wellbeing with retirement solutions aligned with local regulations.
Inclusive Workplace Culture
We foster a respectful, inclusive, and values-driven environment.
Learning & Development
We offer tailored learning opportunities with a strong focus on core skills and business-critical knowledge.
Work-Life-Balance
Supporting your ability to balance family, leisure, and your career.
Health & Wellbeing
We support your physical and mental health through a range of programs and activities in each location.
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Senior Level Loan Underwriter Jobs: Frequently Asked Questions
How do I get a senior level loan underwriter job?
Employers at this level want candidates who can own the full underwriting decision, not just execute a checklist. Demonstrate experience with complex or non-standard credit files, knowledge of risk policy and regulatory compliance, and the ability to mentor others. A portfolio of past approvals on high-value or complicated deals, plus any specialty credentials like a certified mortgage underwriter designation, gives candidates a clear edge.
Which companies hire senior level loan underwriters?
Companies hiring senior level loan underwriters right now include AmeriHome Mortgage Company, Alliant Insurance Services, and Western Alliance Bank, based on current listings on Migrate Mate as of November 2026. At this level, hiring comes from large regional and national banks, mortgage companies, credit unions, and specialty finance firms that handle high volumes of complex credit files.
Are there remote senior level loan underwriter jobs?
Yes, though availability varies by employer and loan type. About 66% of senior level loan underwriter openings are remote or hybrid as of November 2026, reflecting broader adoption of digital underwriting platforms across the lending industry. Fully remote roles tend to concentrate at larger institutions with established remote infrastructure and standardized underwriting workflows.
What makes a loan underwriter role senior level?
Senior level roles carry meaningful ownership over credit decisions, underwriting guidelines, and risk outcomes rather than simply processing files under close supervision. Expectations typically include handling the most complex or high-value loan types, exercising independent judgment on exceptions, contributing to policy development, and guiding or reviewing the work of less experienced underwriters on the team.
Which industries hire the most senior level loan underwriters?
Senior Level loan underwriter roles concentrate in Insurance, Banking & Financial Services, and Consulting & Professional Services, based on current listings on Migrate Mate as of November 2026. These sectors drive hiring at this level because they handle the highest volumes of complex credit products, from commercial real estate and jumbo residential mortgages to business lending, where experienced underwriting judgment directly affects institutional risk exposure.