OPT Insurance Agency Owner Jobs
Insurance Agency Owner roles on OPT are rare but possible, typically through acquiring or launching an agency while maintaining valid F-1 work authorization. Your OPT employer of record must be a qualifying U.S. business entity, and self-employment structures require careful DSO guidance to stay compliant.
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Investment Management - Investments
GLOBAL FIRM WITH A DIVERSE & INCLUSIVE CULTURE
As the Global Asset Management business of Prudential, we’re always looking for ways to improve financial services. We’re passionate about making a meaningful impact - touching the lives of millions and solving financial challenges in an ever-changing world. We also believe talent is key to achieving our vision and are intentional about building a culture on respect and collaboration. When you join PGIM, you’ll unlock a motivating and impactful career – all while growing your skills and advancing your profession at one of the world’s leading global asset managers!
If you’re not afraid to think differently and challenge the status quo, come and be a part of a dedicated team that’s investing in your future by shaping tomorrow today. At PGIM, You Can!
We are seeking an Investment Associate, Agency Underwriter to join our Agency Lending business. As a member of the multifamily underwriting team, this role plays a critical part in managing loan transactions from initial screening through final approval. You’ll work closely with clients, Agency partners, and internal stakeholders to ensure thorough due diligence and credit analysis, while also mentoring junior team members and contributing to the strategic direction of the underwriting function. This is a highly collaborative role that combines technical expertise with leadership and client engagement.
The role will be a hybrid role (3 days working in the office).
What you can expect
- Monitor the collection and due diligence materials as well as approval of due diligence materials reviewed by underwriting staff.
- Serve as the primary point of contact for clients and may be the point of contact on credit and underwriting issues with the Agency, when necessary.
- Responsible for training underwriting team members.
- Complete review, analysis and approval of due diligence materials related to a loan submission.
- Review and provide commentary on third party reports.
- Finalize the underwriting narrative and model and/or provide direction to underwriting staff.
- Ensure ongoing communication on all aspects of the loan process with key stakeholders.
- Conduct site visits independently.
- Present to Investment/Loan Committee when necessary.
- Research and analyze markets/submarket trends and fundamentals.
- Ability to collaborate with Agency partners as necessary throughout the transaction.
- Mentorship of Analysts.
What you will bring
- Bachelors Degree and 4+ years of experience in commercial underwriting experience.
- Ability to take ownership for loan transactions and manage workload with minimal supervision.
- Thorough product knowledge of Agency financing and general multifamily financing alternatives.
- Proficient in analysis of Mortgage Credit and Borrower structures.
- Experience mentoring and training junior team members.
What will set you apart:
- Excellent verbal and written communication skills.
- Strong attention to detail.
- Proven management capability.
- Excellent critical thinking and decision-making skills.
- PGIM welcomes all applicants, even if you don't meet every requirement. If your skills align with the role, we encourage you to apply.
Note: Prudential is required by state specific laws to include the salary range for this role when hiring a resident in applicable locations. The salary range for this role is from $135,000 to $145,000. Specific pricing for the role may vary within the above range based on many factors including geographic location, candidate experience, and skills. Roles may also be eligible for additional compensation and/or benefits.
About PGIM Real Estate
With $207.9 billion in gross assets under management and administration ($133.8 billion net), PGIM Real Estate provides investors and borrowers access to a range of real estate equity, real estate debt, agriculture, and impact solutions across the risk-return spectrum.
PGIM Real Estate is a business of PGIM, the global asset management business of Prudential Financial, Inc. (NYSE: PRU). PGIM Real Estate’s risk management approach, execution capabilities and industry insights are backed by a 50-year legacy of investing in commercial real estate, a 140-year history of real estate financing, and the local experience of professionals in 32 cities globally. Through its investment, financing, asset management, and talent management approach, PGIM Real Estate engages in practices that strive to ignite positive environmental and social impact, while pursuing activities that seek to strengthen communities around the world. For more information visit pgimrealestate.com.
What we offer you:
- Market competitive base salaries, with a yearly bonus potential at every level.
- Medical, dental, vision, life insurance, disability insurance, Paid Time Off (PTO), and leave of absences, such as parental and military leave.
- 401(k) plan with company match (up to 4%).
- Company-funded pension plan.
- Wellness Programs including up to $1,600 a year for reimbursement of items purchased to support personal wellbeing needs.
- Work/Life Resources to help support topics such as parenting, housing, senior care, finances, pets, legal matters, education, emotional and mental health, and career development.
- Education Benefit to help finance traditional college enrollment toward obtaining an approved degree and many accredited certificate programs.
- Employee Stock Purchase Plan: Shares can be purchased at 85% of the lower of two prices (Beginning or End of the purchase period).
Eligibility to participate in a discretionary annual incentive program is subject to the rules governing the program, whereby an award, if any, depends on various factors including, without limitation, individual and organizational performance. To find out more about our Total Rewards package, visit Work Life Balance | Prudential Careers. Some of the above benefits may not apply to part-time employees scheduled to work less than 20 hours per week.
Prudential Financial, Inc. of the United States is not affiliated with Prudential plc. which is headquartered in the United Kingdom.
Prudential is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, ancestry, sex, sexual orientation, gender identity, national origin, genetics, disability, marital status, age, veteran status, domestic partner status, medical condition or any other characteristic protected by law.
If you need an accommodation to complete the application process, please email accommodations.hw@prudential.com.
If you are experiencing a technical issue with your application or an assessment, please email careers.technicalsupport@prudential.com to request assistance.
Job Classification:
Investment Management - Investments
GLOBAL FIRM WITH A DIVERSE & INCLUSIVE CULTURE
As the Global Asset Management business of Prudential, we’re always looking for ways to improve financial services. We’re passionate about making a meaningful impact - touching the lives of millions and solving financial challenges in an ever-changing world. We also believe talent is key to achieving our vision and are intentional about building a culture on respect and collaboration. When you join PGIM, you’ll unlock a motivating and impactful career – all while growing your skills and advancing your profession at one of the world’s leading global asset managers!
If you’re not afraid to think differently and challenge the status quo, come and be a part of a dedicated team that’s investing in your future by shaping tomorrow today. At PGIM, You Can!
We are seeking an Investment Associate, Agency Underwriter to join our Agency Lending business. As a member of the multifamily underwriting team, this role plays a critical part in managing loan transactions from initial screening through final approval. You’ll work closely with clients, Agency partners, and internal stakeholders to ensure thorough due diligence and credit analysis, while also mentoring junior team members and contributing to the strategic direction of the underwriting function. This is a highly collaborative role that combines technical expertise with leadership and client engagement.
The role will be a hybrid role (3 days working in the office).
What you can expect
- Monitor the collection and due diligence materials as well as approval of due diligence materials reviewed by underwriting staff.
- Serve as the primary point of contact for clients and may be the point of contact on credit and underwriting issues with the Agency, when necessary.
- Responsible for training underwriting team members.
- Complete review, analysis and approval of due diligence materials related to a loan submission.
- Review and provide commentary on third party reports.
- Finalize the underwriting narrative and model and/or provide direction to underwriting staff.
- Ensure ongoing communication on all aspects of the loan process with key stakeholders.
- Conduct site visits independently.
- Present to Investment/Loan Committee when necessary.
- Research and analyze markets/submarket trends and fundamentals.
- Ability to collaborate with Agency partners as necessary throughout the transaction.
- Mentorship of Analysts.
What you will bring
- Bachelors Degree and 4+ years of experience in commercial underwriting experience.
- Ability to take ownership for loan transactions and manage workload with minimal supervision.
- Thorough product knowledge of Agency financing and general multifamily financing alternatives.
- Proficient in analysis of Mortgage Credit and Borrower structures.
- Experience mentoring and training junior team members.
What will set you apart:
- Excellent verbal and written communication skills.
- Strong attention to detail.
- Proven management capability.
- Excellent critical thinking and decision-making skills.
- PGIM welcomes all applicants, even if you don't meet every requirement. If your skills align with the role, we encourage you to apply.
Note: Prudential is required by state specific laws to include the salary range for this role when hiring a resident in applicable locations. The salary range for this role is from $135,000 to $145,000. Specific pricing for the role may vary within the above range based on many factors including geographic location, candidate experience, and skills. Roles may also be eligible for additional compensation and/or benefits.
About PGIM Real Estate
With $207.9 billion in gross assets under management and administration ($133.8 billion net), PGIM Real Estate provides investors and borrowers access to a range of real estate equity, real estate debt, agriculture, and impact solutions across the risk-return spectrum.
PGIM Real Estate is a business of PGIM, the global asset management business of Prudential Financial, Inc. (NYSE: PRU). PGIM Real Estate’s risk management approach, execution capabilities and industry insights are backed by a 50-year legacy of investing in commercial real estate, a 140-year history of real estate financing, and the local experience of professionals in 32 cities globally. Through its investment, financing, asset management, and talent management approach, PGIM Real Estate engages in practices that strive to ignite positive environmental and social impact, while pursuing activities that seek to strengthen communities around the world. For more information visit pgimrealestate.com.
What we offer you:
- Market competitive base salaries, with a yearly bonus potential at every level.
- Medical, dental, vision, life insurance, disability insurance, Paid Time Off (PTO), and leave of absences, such as parental and military leave.
- 401(k) plan with company match (up to 4%).
- Company-funded pension plan.
- Wellness Programs including up to $1,600 a year for reimbursement of items purchased to support personal wellbeing needs.
- Work/Life Resources to help support topics such as parenting, housing, senior care, finances, pets, legal matters, education, emotional and mental health, and career development.
- Education Benefit to help finance traditional college enrollment toward obtaining an approved degree and many accredited certificate programs.
- Employee Stock Purchase Plan: Shares can be purchased at 85% of the lower of two prices (Beginning or End of the purchase period).
Eligibility to participate in a discretionary annual incentive program is subject to the rules governing the program, whereby an award, if any, depends on various factors including, without limitation, individual and organizational performance. To find out more about our Total Rewards package, visit Work Life Balance | Prudential Careers. Some of the above benefits may not apply to part-time employees scheduled to work less than 20 hours per week.
Prudential Financial, Inc. of the United States is not affiliated with Prudential plc. which is headquartered in the United Kingdom.
Prudential is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, ancestry, sex, sexual orientation, gender identity, national origin, genetics, disability, marital status, age, veteran status, domestic partner status, medical condition or any other characteristic protected by law.
If you need an accommodation to complete the application process, please email accommodations.hw@prudential.com.
If you are experiencing a technical issue with your application or an assessment, please email careers.technicalsupport@prudential.com to request assistance.
See all 38+ OPT Insurance Agency Owner Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new OPT Insurance Agency Owner Jobs.
Get Access To All JobsTips for Finding OPT Sponsorship as an Insurance Agency Owner
Clarify your employment structure with your DSO early
Insurance Agency Owner roles often involve ownership stakes or self-employment arrangements that complicate OPT compliance. Meet with your DSO before accepting any offer to confirm the employment relationship qualifies under your authorized OPT terms.
Target roles at established agency networks, not solo ventures
Large insurance networks like State Farm or Allstate operate structured agency owner programs with HR infrastructure. These corporate-backed arrangements are more likely to provide the W-2 employment relationship that satisfies USCIS OPT requirements than independent startups.
Connect your business degree directly to the role
Insurance Agency Owner positions require demonstrating that your field of study matches the role. Finance, business administration, risk management, and economics degrees provide the clearest connection. Document this alignment explicitly in your resume and cover letter.
Understand the STEM OPT extension limitation for this role
STEM OPT extensions require a qualifying employer to file a formal training plan. Self-owned agencies rarely meet the E-Verify and organizational requirements. Confirm your agency qualifies before counting on 24 additional months of authorization.
Research H-1B sponsorship pathways before OPT expires
Agency Owner roles have limited H-1B visa sponsorship history given their entrepreneurial nature. Begin exploring sponsorship options at least 12 months before your OPT ends so you have time to pivot to an employer-sponsored track if needed.
Track your OPT unemployment days carefully during agency setup
OPT permits no more than 90 days of cumulative unemployment. Agency setup, licensing delays, and contract negotiations all count as unemployment time. Log your start dates and active work periods meticulously to avoid inadvertent status violations.
Insurance Agency Owner OPT: Frequently Asked Questions
Can an F-1 OPT student legally work as an Insurance Agency Owner?
Yes, but the structure matters significantly. You must be employed by a qualifying U.S. business entity, not operating as a sole proprietor without a formal employer relationship. Many agency owner programs through major carriers are structured as independent contractor or small business arrangements, so you'll need DSO confirmation that your specific setup satisfies OPT's employer authorization requirements before starting.
Does an Insurance Agency Owner role qualify as a job in my field of study for OPT purposes?
It depends on your degree. Business administration, finance, economics, and risk management degrees have a clear connection to insurance agency ownership, which involves financial planning, sales strategy, and business operations. If your degree is in an unrelated field like engineering or computer science, the connection is harder to establish and may not satisfy USCIS guidelines. Document the relationship carefully with your DSO.
Do insurance carriers typically sponsor visas for Agency Owner positions?
Sponsorship for Agency Owner roles is uncommon. Most carriers structure these as franchise-style or independent contractor arrangements rather than traditional W-2 employment, which makes H-1B sponsorship logistically difficult. A small number of larger regional or national carriers with dedicated agency development programs have sponsored in the past. Migrate Mate lists employer-sponsored roles in this space, making it easier to identify which opportunities carry real sponsorship potential.
What licenses do I need to work as an Insurance Agency Owner on OPT?
You'll need a state-issued insurance producer license, which requires passing a licensing exam for each line of authority you plan to sell, such as life, health, or property and casualty. Most states also require a background check and an application fee. Licensing takes two to eight weeks depending on the state. You can begin the licensing process while your OPT application is pending, but you cannot conduct business until both your license and your EAD are active.
How does the 90-day unemployment limit affect Insurance Agency Owner job searches?
The 90-day limit counts any day you are not in qualifying OPT employment, including time spent studying for your insurance license, waiting for a carrier contract, or between agency agreements. STEM OPT extends this limit to 150 days. Plan your timeline carefully so licensing, contracting, and business setup are completed before your OPT start date wherever possible, minimizing the number of unauthorized days that accrue before your agency is operational.