Underwriter Jobs
Underwriter jobs are open across insurance, banking, mortgage lending, and commercial finance, from entry-level analyst to senior and chief underwriter, with specializations in property and casualty, life and health, and commercial lines. Find a role that fits from the openings below and apply directly.
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POSITION PURPOSE
ESSENTIAL FUNCTIONS AND BASIC DUTIES
- Analyzes client-specific financial statements, spreads, and ratios as well as broader industry and economic risks that could jeopardize loan repayment.
- Receives instruction from loan officers to review credit issues and obtain additional information, including outside calls as required.
- Prepare credit memorandums that summarize lending opportunities, the associated risks, and the proposed loan structure.
- Describes how loan structures mitigate identified risks.
- Identify high-risk credit situations and take appropriate action to ensure that the Bank is well protected.
- Other duties as assigned.
The above statements describe the general nature and level of work only. They are not an exhaustive list of all required responsibilities, duties, and skills. Other duties may be added, or this job description amended at any time.
SUPERVISORY RESPONSIBILITIES:
This role has no supervisory responsibilities
QUALIFICATIONS
EDUCATION/CERTIFICATION:
REQUIRED KNOWLEDGE:
Proficient in Microsoft Word, Excel, and PowerPoint
EXPERIENCE REQUIRED:
SKILLS/ABILITIES:
Ability to read, analyze, and interpret financial statements, industry data, and customer profiles. Ability to produce both oral and written presentations.
Ability to apply concepts such as trends, percentages, ratios, and proportions to practical situations. Ability to create and interpret projections based on extrapolation of financial data.
Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical information in mathematical or diagram form and deal with several abstract and concrete variables.
Ability to make appropriate judgments and decisions with limited guidance.
Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
Excellent planning and organizational skills, including the ability to work independently.
Strong written and verbal communications skills.
Ability to maintain confidentiality and instill trust within the organization.
Ability to multitask is essential.
.
PHYSICAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION
AVERAGE HEARING:
REPETITIVE MOTION:
AVERAGE VISUAL ABILITIES:
PHYSICAL STRENGTH:
WORKING CONDITIONS
MENTAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION
MATHEMATICS ABILITY:
LANGUAGE ABILITY:
Monday - Friday: 8:00AM - 5:00PM
POSITION PURPOSE
ESSENTIAL FUNCTIONS AND BASIC DUTIES
- Analyzes client-specific financial statements, spreads, and ratios as well as broader industry and economic risks that could jeopardize loan repayment.
- Receives instruction from loan officers to review credit issues and obtain additional information, including outside calls as required.
- Prepare credit memorandums that summarize lending opportunities, the associated risks, and the proposed loan structure.
- Describes how loan structures mitigate identified risks.
- Identify high-risk credit situations and take appropriate action to ensure that the Bank is well protected.
- Other duties as assigned.
The above statements describe the general nature and level of work only. They are not an exhaustive list of all required responsibilities, duties, and skills. Other duties may be added, or this job description amended at any time.
SUPERVISORY RESPONSIBILITIES:
This role has no supervisory responsibilities
QUALIFICATIONS
EDUCATION/CERTIFICATION:
REQUIRED KNOWLEDGE:
Proficient in Microsoft Word, Excel, and PowerPoint
EXPERIENCE REQUIRED:
SKILLS/ABILITIES:
Ability to read, analyze, and interpret financial statements, industry data, and customer profiles. Ability to produce both oral and written presentations.
Ability to apply concepts such as trends, percentages, ratios, and proportions to practical situations. Ability to create and interpret projections based on extrapolation of financial data.
Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical information in mathematical or diagram form and deal with several abstract and concrete variables.
Ability to make appropriate judgments and decisions with limited guidance.
Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
Excellent planning and organizational skills, including the ability to work independently.
Strong written and verbal communications skills.
Ability to maintain confidentiality and instill trust within the organization.
Ability to multitask is essential.
.
PHYSICAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION
AVERAGE HEARING:
REPETITIVE MOTION:
AVERAGE VISUAL ABILITIES:
PHYSICAL STRENGTH:
WORKING CONDITIONS
MENTAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION
MATHEMATICS ABILITY:
LANGUAGE ABILITY:
Monday - Friday: 8:00AM - 5:00PM
Underwriter Jobs by Experience Level
Top Cities Hiring Underwriters
Explore underwriter openings in the cities hiring most right now.
See All 1,310+ Underwriter Jobs
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Find Underwriter JobsUnderwriter Job Market
Who's Hiring
- Liberty Mutual Insurance43
- Chubb Insurance35
- Travelers34
- The Hartford31
- Philadelphia Insurance Companies30
Top Industries Hiring
- Insurance77
- Banking & Financial Services12
- Manufacturing1
- Technology & Software1
- Construction & Real Estate1
What Employers Look For
The qualifications that appear most often in underwriter jobs.
- Bachelor's degree in finance, business, economics, or a related field
- Experience evaluating risk for insurance, mortgage, or commercial lending applications
- Proficiency with underwriting software platforms and policy management systems
- Strong analytical and quantitative skills for assessing creditworthiness or insurable risk
- CPCU, AU, or other industry designation preferred or required for mid-level and senior roles
- Knowledge of regulatory compliance standards and state-specific underwriting guidelines
Tips for Your Underwriter Job Search
Tailor your resume to the line
Property and casualty, life, mortgage, and commercial underwriting each have distinct risk frameworks. Rewrite your resume headline and summary to name the specific line you're targeting so hiring managers don't have to guess where you fit.
Apply early to roles that fit
Migrate Mate lists underwriter openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Lead with loss ratio and book performance
Hiring managers for underwriting roles want concrete evidence you managed a profitable book. Quantify your results with loss ratios, premium volume, or renewal retention rates rather than listing duties like 'evaluated risk' or 'approved applications.'
Earn the CPCU or AU designation before interviews
The CPCU and Associate in Underwriting credentials signal technical commitment in property and casualty roles. Many mid-market and specialty carriers list them as preferred or required, so having them in progress or complete strengthens your candidacy noticeably.
Prepare for risk scenario questions specifically
Underwriting interviews often include a case where you're handed an application or account and asked to walk through your decision. Practice narrating your risk assessment out loud, citing the factors you weight, the exceptions you'd flag, and how you'd price the account.
Negotiate authority level alongside base compensation
Underwriting authority, the dollar or risk threshold you can approve without escalation, directly affects your day-to-day autonomy and your career trajectory. Ask about it during the offer stage alongside compensation so you understand the scope of the role you're accepting.
Underwriter Jobs: Frequently Asked Questions
Which companies are hiring the most underwriters?
The companies hiring the most underwriters right now include Liberty Mutual Insurance, Chubb Insurance, and Travelers, with the largest share of openings in New York, California, and Texas, based on current listings on Migrate Mate as of November 2026. Openings are distributed across insurance carriers, regional banks, and mortgage servicers.
How many underwriter jobs are remote?
About 86% of underwriter openings are fully remote or hybrid as of November 2026, reflecting an industry that has steadily expanded flexible arrangements. Personal lines, life, and mortgage underwriting roles tend to offer more remote options than specialty commercial or large-account underwriting positions, which often require in-office collaboration with brokers and relationship managers.
How do you become an underwriter?
Start with a bachelor's degree in finance, business, economics, or a related analytical field. Most carriers hire entry-level candidates into underwriting trainee or analyst programs where you learn risk evaluation under senior oversight. Earning an industry credential such as the CPCU or Associate in Underwriting while working accelerates your path to independent authority and senior roles.
Can you get an underwriting job with little or no experience?
Yes, many insurance carriers and mortgage lenders run structured trainee programs that hire candidates directly from undergraduate programs with no prior underwriting experience. A background in finance, accounting, or even actuarial coursework helps. Internships at carriers or surplus lines brokerages during school are the fastest way to make yourself a competitive entry-level candidate.
What does the underwriter interview process look like?
Most underwriting interviews include an initial screening call with a recruiter or HR contact, followed by a technical interview with a hiring manager who will probe your risk assessment approach and familiarity with the relevant line of business. Senior roles often add a case study or written exercise where you evaluate a sample application and present your underwriting decision and rationale.
Where can I find and apply to underwriter jobs?
You can find and apply to underwriter jobs on Migrate Mate, which lists current openings from across the United States in one place. Search the listings, find roles that match your line of business, seniority level, and location preferences, and apply directly to each one that fits.
See All 1,310+ Underwriter Jobs
Find roles that match your experience and apply in just a few clicks.
Find Underwriter Jobs