Underwriting Analyst Jobs for OPT Students
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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There are many reasons why EPIC Insurance Brokers & Consultants has become one of the fastest-growing firms in the insurance industry. Fueled and driven by capable, committed people who share common beliefs and values and “bring it” every day, EPIC is always looking for people who have “the right stuff” – people who know what they want and aren’t afraid to make it happen.
Headquartered in San Francisco and founded in 2007, our company has over 3,000 employees nationwide. With locations spread out across the U.S., our local market knowledge and industry expertise helps support our clients' regional and global needs. We have grown very quickly since our founding, and we continue to see growth and success thanks to our hard-working and growth-minded employees.
Our core values are: Owner mindset, Inspire trust, Think big, and Drive results. If these values and growth align with what you're looking for in your next career? Then consider joining our amazing team!
Location:
Austin, TX, Dallas, TX or Newport Beach, CA
JOB OVERVIEW:
An Underwriting Analyst works on financial deliverables for self-funded and insured clients to ensure consistent and quality of analytical results. The underwriting analyst is responsible for experience reporting, managing RFP’s, creating renewal workbooks, setting client budgets and negotiating client renewals, among other items. This role may have some client facing responsibilities. Additionally, underwriting analysts must be able to work with the service team to meet client needs with efficiency and accuracy.
ESSENTIAL FUNCTIONS:
- Generally has a supporting role in larger, more complex accounts and may have a leading role in smaller, less complex accounts;
- Works closely with producers and other client facing teams to understand the clients/ prospects needs;
- Submits coverage specifications and obtains quotes from potential carriers;
- Reviews monthly and quarterly experience reporting for clients for accuracy;
- Assists service team in educating clients regarding utilization, carrier reports, and third party vendor applications used to view claims and financial data, etc;
- Projects client claim data forward to develop budgets;
- Educates service team regarding experience reporting, utilization, carrier reports, self-funding options, etc.;
- Provide additional support to the service teams for new and existing clients.
QUALIFICATIONS
- General knowledge of coverages and services regarding Employee benefits.
- Intermediate knowledge of navigating the Internet as well as various Microsoft Office programs to include Windows, Outlook, Word, PowerPoint, Publisher and Excel.
- Strong attention to detail and time management abilities.
- Strong ability to multi-task and assign priorities.
- Ability to work effectively and efficiently both with and without direct supervision.
- Ability to work effectively and efficiently in a team environment as well as independently.
- Good interpersonal communication skills.
- Experienced with agency management systems and HR portals, and the capability to learn and use other systems quickly and effectively.
EDUCATIONAL AND EXPERIENCE REQUIREMENTS:
- Bachelor’s degree required.
- Two or more years’ experience performing financial analysis at a benefits consulting or brokerage firm, or comparable experience with an insurance carrier, or TPA.
- Must have working knowledge of a variety of Microsoft Office computer software applications to include Windows, Outlook, Word, PowerPoint, Publisher and Excel.
- Must be able to work in a fast-paced environment with demonstrated ability to juggle multiple competing tasks and demands.
- Must have a high level of interpersonal skills to handle sensitive and confidential situations. The position continually requires teamwork, responsiveness, demonstrated poise, tact, and diplomacy.
COMPENSATION:
The national average hourly pay rate for this role is $46.00 - $48.00 in base pay and exclusive of any bonuses or benefits. The base pay offered will be determined based on your experience, skills, training, certifications and education, while also considering internal equity and market data.
WHY EPIC:
EPIC has over 60 offices and 3,000 employees nationwide – and we’re growing! It’s a great time to join the team and be a part of this growth. We offer:
- Generous Paid Time off
- Managed PTO for salaried/exempt employees (personal time off without accruals or caps); 22 PTO days starting out for hourly/non-exempt employees; 12 company-observed paid holidays; 4 early close days
- Generous leave time options: Paid parental leave, pregnancy disability and bonding leave, and organ donor/bone marrow donor leave
- Generous employee referral bonus program of $1,500 per hired referral
- Quarterly employee recognition program for demonstrating EPIC’s values plus additional employee recognition awards and programs (and trips!)
- Employee Resource Groups: Women’s Coalition, EPIC Veterans Group
- Professional growth & development: Mentorship Program, Tuition Reimbursement Program, Leadership Development
- Unique benefits such as Pet Insurance, Cancer Insurance, Identity Theft & Fraud Protection Coverage, Legal Planning, Family Planning, and Menopause & Midlife Support
- Additional benefits include (but are not limited to): 401(k) matching, medical insurance, dental insurance, vision insurance, and wellness & employee assistance programs
- 50/50 Work Culture: EPIC fosters a 50/50 culture between producers and the rest of the business, supporting collaboration, teamwork, and an inclusive work environment. It takes both production and service to be EPIC!
- EPIC Gives Back – Some of our charitable efforts include Donation Connection, Employee Assistance Fund, and People First Foundation
- We’re in the top 10 of property/casualty agencies according to “Insurance Journal”
EPIC embraces diversity in all its various forms—whether it be diversity of thought, background, race, religion, gender, skills or experience. We are committed to fostering a work community where every colleague feels welcomed, valued, respected and heard. It is our belief that diversity drives innovation and that creating an environment where every employee feels included and empowered helps us to deliver the best outcome to our clients.
California Applicants - View your privacy rights at: https://www.epicbrokers.com/wp-content/uploads/2025/01/epic-ca-employee-privacy-notice.pdf
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LI-Hybrid
Come join our team!
There are many reasons why EPIC Insurance Brokers & Consultants has become one of the fastest-growing firms in the insurance industry. Fueled and driven by capable, committed people who share common beliefs and values and “bring it” every day, EPIC is always looking for people who have “the right stuff” – people who know what they want and aren’t afraid to make it happen.
Headquartered in San Francisco and founded in 2007, our company has over 3,000 employees nationwide. With locations spread out across the U.S., our local market knowledge and industry expertise helps support our clients' regional and global needs. We have grown very quickly since our founding, and we continue to see growth and success thanks to our hard-working and growth-minded employees.
Our core values are: Owner mindset, Inspire trust, Think big, and Drive results. If these values and growth align with what you're looking for in your next career? Then consider joining our amazing team!
Location:
Austin, TX, Dallas, TX or Newport Beach, CA
JOB OVERVIEW:
An Underwriting Analyst works on financial deliverables for self-funded and insured clients to ensure consistent and quality of analytical results. The underwriting analyst is responsible for experience reporting, managing RFP’s, creating renewal workbooks, setting client budgets and negotiating client renewals, among other items. This role may have some client facing responsibilities. Additionally, underwriting analysts must be able to work with the service team to meet client needs with efficiency and accuracy.
ESSENTIAL FUNCTIONS:
- Generally has a supporting role in larger, more complex accounts and may have a leading role in smaller, less complex accounts;
- Works closely with producers and other client facing teams to understand the clients/ prospects needs;
- Submits coverage specifications and obtains quotes from potential carriers;
- Reviews monthly and quarterly experience reporting for clients for accuracy;
- Assists service team in educating clients regarding utilization, carrier reports, and third party vendor applications used to view claims and financial data, etc;
- Projects client claim data forward to develop budgets;
- Educates service team regarding experience reporting, utilization, carrier reports, self-funding options, etc.;
- Provide additional support to the service teams for new and existing clients.
QUALIFICATIONS
- General knowledge of coverages and services regarding Employee benefits.
- Intermediate knowledge of navigating the Internet as well as various Microsoft Office programs to include Windows, Outlook, Word, PowerPoint, Publisher and Excel.
- Strong attention to detail and time management abilities.
- Strong ability to multi-task and assign priorities.
- Ability to work effectively and efficiently both with and without direct supervision.
- Ability to work effectively and efficiently in a team environment as well as independently.
- Good interpersonal communication skills.
- Experienced with agency management systems and HR portals, and the capability to learn and use other systems quickly and effectively.
EDUCATIONAL AND EXPERIENCE REQUIREMENTS:
- Bachelor’s degree required.
- Two or more years’ experience performing financial analysis at a benefits consulting or brokerage firm, or comparable experience with an insurance carrier, or TPA.
- Must have working knowledge of a variety of Microsoft Office computer software applications to include Windows, Outlook, Word, PowerPoint, Publisher and Excel.
- Must be able to work in a fast-paced environment with demonstrated ability to juggle multiple competing tasks and demands.
- Must have a high level of interpersonal skills to handle sensitive and confidential situations. The position continually requires teamwork, responsiveness, demonstrated poise, tact, and diplomacy.
COMPENSATION:
The national average hourly pay rate for this role is $46.00 - $48.00 in base pay and exclusive of any bonuses or benefits. The base pay offered will be determined based on your experience, skills, training, certifications and education, while also considering internal equity and market data.
WHY EPIC:
EPIC has over 60 offices and 3,000 employees nationwide – and we’re growing! It’s a great time to join the team and be a part of this growth. We offer:
- Generous Paid Time off
- Managed PTO for salaried/exempt employees (personal time off without accruals or caps); 22 PTO days starting out for hourly/non-exempt employees; 12 company-observed paid holidays; 4 early close days
- Generous leave time options: Paid parental leave, pregnancy disability and bonding leave, and organ donor/bone marrow donor leave
- Generous employee referral bonus program of $1,500 per hired referral
- Quarterly employee recognition program for demonstrating EPIC’s values plus additional employee recognition awards and programs (and trips!)
- Employee Resource Groups: Women’s Coalition, EPIC Veterans Group
- Professional growth & development: Mentorship Program, Tuition Reimbursement Program, Leadership Development
- Unique benefits such as Pet Insurance, Cancer Insurance, Identity Theft & Fraud Protection Coverage, Legal Planning, Family Planning, and Menopause & Midlife Support
- Additional benefits include (but are not limited to): 401(k) matching, medical insurance, dental insurance, vision insurance, and wellness & employee assistance programs
- 50/50 Work Culture: EPIC fosters a 50/50 culture between producers and the rest of the business, supporting collaboration, teamwork, and an inclusive work environment. It takes both production and service to be EPIC!
- EPIC Gives Back – Some of our charitable efforts include Donation Connection, Employee Assistance Fund, and People First Foundation
- We’re in the top 10 of property/casualty agencies according to “Insurance Journal”
EPIC embraces diversity in all its various forms—whether it be diversity of thought, background, race, religion, gender, skills or experience. We are committed to fostering a work community where every colleague feels welcomed, valued, respected and heard. It is our belief that diversity drives innovation and that creating an environment where every employee feels included and empowered helps us to deliver the best outcome to our clients.
California Applicants - View your privacy rights at: https://www.epicbrokers.com/wp-content/uploads/2025/01/epic-ca-employee-privacy-notice.pdf
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LI-Hybrid
How to Get Visa 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 jobs are hiring across the US. Find yours.
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Get Access To All JobsFrequently 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.
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