OPT Underwriting Analyst Jobs
Underwriting Analyst roles sit at the intersection of finance and risk assessment, making them a strong fit for F-1 OPT students with backgrounds in finance, economics, statistics, or actuarial science. Most positions qualify as STEM OPT-eligible when tied to quantitative or data-intensive work, giving you up to 36 months of work authorization.
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Get Access To All JobsWho Are We?
Taking care of our customers, our communities and each other. That’s the Travelers Promise. By honoring this commitment, we have maintained our reputation as one of the best property casualty insurers in the industry for over 170 years. Join us to discover a culture that is rooted in innovation and thrives on collaboration. Imagine loving what you do and where you do it.
Compensation Overview
The annual base salary range provided for this position is a nationwide market range and represents a broad range of salaries for this role across the country. The actual salary for this position will be determined by a number of factors, including the scope, complexity and location of the role; the skills, education, training, credentials and experience of the candidate; and other conditions of employment. As part of our comprehensive compensation and benefits program, employees are also eligible for performance-based cash incentive awards.
Salary Range
$60,800.00 - $100,300.00
Target Openings
1
What Is the Opportunity?
This position is part of a comprehensive year-long program starting October 12, 2026. The program includes critical training sessions throughout the first year that are essential to program success.
Under close supervision and as a participant in a structured training program, actively learns about underwriting philosophy, business unit products and strategies, negotiation, and relationship building. As a trainee, handles renewal business under direct supervision and moves to developing new business as skills advance. As knowledge increases and, under direct supervision, takes on less complex underwriting of individual accounts and eventually a territory. Seeks out opportunities to observe account analysis discussions with other underwriters and underwriting leaders. Takes initiative for their own development. The incumbent in this job does not manage others.
What Will You Do?
Underwriting and Pricing:
- Under direct supervision, underwrites and assesses risk and makes recommendations for less complex accounts in a market segment.
Distribution and Agency Management:
- Establishes effective relationships with customers, agents and brokers.
Sales:
- Develops consultative sales and marketing skills through their interaction with agents/brokers and via coaching from their manager.
Negotiation:
- Develops negotiation skills through their interaction with agents/brokers and via coaching from their manager.
Executes Strategy and Drives Results:
- Develops planning and organization skills necessary to effectively manage desk and assume a territory.
Business Planning and Collaboration:
- Effectively collaborates with others on all aspects of job.
- Understands the need to seek enterprise-wide solutions to business problems.
Leading Self:
- Takes initiative for personal development and seeks to learn through underwriting, marketing, and other related opportunities.
- Perform other duties as assigned.
What Will Our Ideal Candidate Have?
- Educational background/coursework in Business Administration/Management, Finance/Accounting, Economics, Mathematics/Science, Sales/Marketing/Communications.
Industry/Business Knowledge:
- Demonstrates an ability, desire, and intellectual curiosity to learn the business.
- Business Perspective: Uses knowledge of internal and external factors impacting the property & casualty industry to make decisions.
- Analytical Thinking/Financial Acumen: Identifies current or future problems or opportunities, analyzes, synthesizes and compares information to understand issues, identifies cause/effect relationships and explores alternative solutions to support sound decision making.
- Understands and uses financial information, tools and expense management principles to accomplish day-to-day work and maximize profitability.
- Relationship Management: Seeks out, builds, fosters and maintains productive relationships, networks or alliances to meet goals and achieve results.
- Valid drivers license or alternate means of personal transportation.
What is a Must Have?
- Bachelor degree or one year of applicable business experience.
What Is in It for You?
- Health Insurance: Employees and their eligible family members – including spouses, domestic partners, and children – are eligible for coverage from the first day of employment.
- Retirement: Travelers matches your 401(k) contributions dollar-for-dollar up to your first 5% of eligible pay, subject to an annual maximum. If you have student loan debt, you can enroll in the Paying it Forward Savings Program. When you make a payment toward your student loan, Travelers will make an annual contribution into your 401(k) account. You are also eligible for a Pension Plan that is 100% funded by Travelers.
- Paid Time Off: Start your career at Travelers with a minimum of 20 days Paid Time Off annually, plus nine paid company Holidays.
- Wellness Program: The Travelers wellness program is comprised of tools, discounts and resources that empower you to achieve your wellness goals and caregiving needs. In addition, our mental health program provides access to free professional counseling services, health coaching and other resources to support your daily life needs.
- Volunteer Encouragement: We have a deep commitment to the communities we serve and encourage our employees to get involved. Travelers has a Matching Gift and Volunteer Rewards program that enables you to give back to the charity of your choice.
Employment Practices
Travelers is an equal opportunity employer. We value the unique abilities and talents each individual brings to our organization and recognize that we benefit in numerous ways from our differences.
In accordance with local law, candidates seeking employment in Colorado are not required to disclose dates of attendance at or graduation from educational institutions.
If you are a candidate and have specific questions regarding the physical requirements of this role, please send us an email so we may assist you.
Travelers reserves the right to fill this position at a level above or below the level included in this posting.
To learn more about our comprehensive benefit programs please visit http://careers.travelers.com/life-at-travelers/benefits/.
Who Are We?
Taking care of our customers, our communities and each other. That’s the Travelers Promise. By honoring this commitment, we have maintained our reputation as one of the best property casualty insurers in the industry for over 170 years. Join us to discover a culture that is rooted in innovation and thrives on collaboration. Imagine loving what you do and where you do it.
Compensation Overview
The annual base salary range provided for this position is a nationwide market range and represents a broad range of salaries for this role across the country. The actual salary for this position will be determined by a number of factors, including the scope, complexity and location of the role; the skills, education, training, credentials and experience of the candidate; and other conditions of employment. As part of our comprehensive compensation and benefits program, employees are also eligible for performance-based cash incentive awards.
Salary Range
$60,800.00 - $100,300.00
Target Openings
1
What Is the Opportunity?
This position is part of a comprehensive year-long program starting October 12, 2026. The program includes critical training sessions throughout the first year that are essential to program success.
Under close supervision and as a participant in a structured training program, actively learns about underwriting philosophy, business unit products and strategies, negotiation, and relationship building. As a trainee, handles renewal business under direct supervision and moves to developing new business as skills advance. As knowledge increases and, under direct supervision, takes on less complex underwriting of individual accounts and eventually a territory. Seeks out opportunities to observe account analysis discussions with other underwriters and underwriting leaders. Takes initiative for their own development. The incumbent in this job does not manage others.
What Will You Do?
Underwriting and Pricing:
- Under direct supervision, underwrites and assesses risk and makes recommendations for less complex accounts in a market segment.
Distribution and Agency Management:
- Establishes effective relationships with customers, agents and brokers.
Sales:
- Develops consultative sales and marketing skills through their interaction with agents/brokers and via coaching from their manager.
Negotiation:
- Develops negotiation skills through their interaction with agents/brokers and via coaching from their manager.
Executes Strategy and Drives Results:
- Develops planning and organization skills necessary to effectively manage desk and assume a territory.
Business Planning and Collaboration:
- Effectively collaborates with others on all aspects of job.
- Understands the need to seek enterprise-wide solutions to business problems.
Leading Self:
- Takes initiative for personal development and seeks to learn through underwriting, marketing, and other related opportunities.
- Perform other duties as assigned.
What Will Our Ideal Candidate Have?
- Educational background/coursework in Business Administration/Management, Finance/Accounting, Economics, Mathematics/Science, Sales/Marketing/Communications.
Industry/Business Knowledge:
- Demonstrates an ability, desire, and intellectual curiosity to learn the business.
- Business Perspective: Uses knowledge of internal and external factors impacting the property & casualty industry to make decisions.
- Analytical Thinking/Financial Acumen: Identifies current or future problems or opportunities, analyzes, synthesizes and compares information to understand issues, identifies cause/effect relationships and explores alternative solutions to support sound decision making.
- Understands and uses financial information, tools and expense management principles to accomplish day-to-day work and maximize profitability.
- Relationship Management: Seeks out, builds, fosters and maintains productive relationships, networks or alliances to meet goals and achieve results.
- Valid drivers license or alternate means of personal transportation.
What is a Must Have?
- Bachelor degree or one year of applicable business experience.
What Is in It for You?
- Health Insurance: Employees and their eligible family members – including spouses, domestic partners, and children – are eligible for coverage from the first day of employment.
- Retirement: Travelers matches your 401(k) contributions dollar-for-dollar up to your first 5% of eligible pay, subject to an annual maximum. If you have student loan debt, you can enroll in the Paying it Forward Savings Program. When you make a payment toward your student loan, Travelers will make an annual contribution into your 401(k) account. You are also eligible for a Pension Plan that is 100% funded by Travelers.
- Paid Time Off: Start your career at Travelers with a minimum of 20 days Paid Time Off annually, plus nine paid company Holidays.
- Wellness Program: The Travelers wellness program is comprised of tools, discounts and resources that empower you to achieve your wellness goals and caregiving needs. In addition, our mental health program provides access to free professional counseling services, health coaching and other resources to support your daily life needs.
- Volunteer Encouragement: We have a deep commitment to the communities we serve and encourage our employees to get involved. Travelers has a Matching Gift and Volunteer Rewards program that enables you to give back to the charity of your choice.
Employment Practices
Travelers is an equal opportunity employer. We value the unique abilities and talents each individual brings to our organization and recognize that we benefit in numerous ways from our differences.
In accordance with local law, candidates seeking employment in Colorado are not required to disclose dates of attendance at or graduation from educational institutions.
If you are a candidate and have specific questions regarding the physical requirements of this role, please send us an email so we may assist you.
Travelers reserves the right to fill this position at a level above or below the level included in this posting.
To learn more about our comprehensive benefit programs please visit http://careers.travelers.com/life-at-travelers/benefits/.
See all 94+ OPT Underwriting Analyst Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new OPT Underwriting Analyst Jobs.
Get Access To All JobsTips for Finding OPT Sponsorship as an Underwriting Analyst
Confirm STEM OPT eligibility with your DSO early
Underwriting Analyst roles often qualify for the 24-month STEM OPT extension when the work involves quantitative modeling or data analysis. Verify your degree's CIP code with your Designated School Official before applying to avoid authorization gaps.
Target insurers and financial institutions with established OPT pipelines
Large carriers like Chubb, Travelers, and Liberty Mutual, along with major banks with credit underwriting desks, regularly hire on OPT. Firms with structured analyst programs are more familiar with the authorization process and less likely to screen you out.
Lead with your quantitative skills in applications
Employers prioritize candidates who can model risk using Excel, SQL, or Python. Highlighting these skills upfront signals you can contribute immediately and shifts attention from work authorization concerns to your technical value as a hire.
Apply before your OPT start date, not after
Hiring timelines in financial services can run six to ten weeks between application and start date. Submitting applications two to three months before your OPT begins ensures you have enough authorized work time remaining when the role starts.
Understand which underwriting tracks align with your degree
Commercial lines, mortgage, and credit underwriting typically require finance or economics degrees. Specialty lines like cyber or life insurance often value actuarial or statistics backgrounds. Matching your degree to the right track improves both your fit and sponsorship odds.
Ask directly about H-1B sponsorship during the offer stage
Many underwriting employers sponsor H-1B visas for analysts who perform well during OPT. Asking after an offer is extended, not during initial screening, lets the employer assess your fit first and keeps the conversation from ending prematurely.
Underwriting Analyst OPT: Frequently Asked Questions
Can I work as an Underwriting Analyst on F-1 OPT?
Yes. Underwriting Analyst is a specialty occupation requiring a bachelor's degree in a relevant field such as finance, economics, statistics, or actuarial science. Pre-completion or post-completion OPT authorizes full-time work in your field of study, making this a direct match for most F-1 students finishing those programs.
Does an Underwriting Analyst role qualify for the STEM OPT extension?
It depends on how the role is classified and your degree's CIP code. Positions with significant quantitative, data, or modeling components often qualify, particularly for graduates with STEM-designated degrees in statistics, actuarial science, financial engineering, or economics. Your DSO can confirm whether your specific degree qualifies and help you file the extension on time.
How do I find Underwriting Analyst jobs that are open to OPT students?
Many employers list OPT authorization as acceptable but don't always make that visible in standard job postings. Migrate Mate filters specifically for roles open to F-1 OPT students, so you can browse Underwriting Analyst positions without wasting applications on employers who won't consider your work authorization status.
Do Underwriting Analyst employers typically sponsor H-1B visas after OPT?
Sponsorship rates vary by employer size and underwriting segment. Large national carriers and major banks with dedicated underwriting departments sponsor H-1B visas for analysts fairly regularly, especially for high performers. Regional insurers and smaller firms sponsor less often. It's worth asking about long-term sponsorship intent before accepting an offer, not as the first question in an interview.
What happens if my OPT expires before I can transition to H-1B?
If you're on STEM OPT and your employer files an H-1B petition by the April 1 deadline, the cap-gap rule automatically extends your work authorization through September 30 of that year, or until USCIS makes a decision on your petition. This prevents a gap in employment. Timing your OPT application and H-1B filing carefully is essential, so plan the sequence with your DSO well in advance.