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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Description
Works independently and autonomously on all but the most complex accounts/cases (subject to required process oversight). Underwrites policies within underwriting authority. Makes decisions on whether to accept business by making analytical, data-driven decisions based on data and information provided, including pricing the risk. In parts of North America more likely to underwrite complex/unusual policies - or those of high individual line size - policies assessed will focus on those of high complexity and/or larger size.
Responsibilities
- Manages portfolio of brokers/agents & clients.
- Leverages market presence and expertise to develop and underwrite profitable business, acting as a representative for Liberty.
- Has relationships with senior/market-leading brokers and/or key agents.
- Maintains a strong market presence, including established relationships with agents and brokers.
- Looks to strengthen these relationships and develop new ones.
- Articulates key coverage differences with a high degree of detail.
- Provides significant input into the business and marketing planning process, including advanced data-driven insights from portfolio analysis.
- Participates in projects across departments designed to drive underwriting and process excellence (e.g., member of a working team).
- Models effective collaboration across teams, stakeholders and partners (e.g., UW Support, Claims, Actuarial, Directors of Underwriting in North America).
- Has strong knowledge of key legal cases, legislation and regulation impacting area(s) of underwriting expertise.
- Shares knowledge based on technical expertise, including providing external thought-leadership.
- Mentors, coaches, and trains other underwriters and internal partners.
Qualifications
- Degree in Business or equivalent typically required
- A minimum of 7 years expected, typically 10 years or more, of progressive underwriting experience and/or other related business experience
- CPCU or professional insurance designation preferred
- Proven analytical ability to evaluate and judge underwriting risks within scope of responsibility
- Demonstrated ability to communicate complex analyses and information in understandable written and/or oral directives to other persons in the organization for underwriting or training purposes
- Demonstrated effective communication and interpersonal skills in dealing with internal and external stakeholders
- Must demonstrate comprehension of most complex technical underwriting issues and be capable of defining and implementing necessary underwriting and administrative processes/workflows to properly manage or administer those issues
- Proven track record of developing and underwriting profitable business
About us
Pay Philosophy: The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role.
At Liberty Mutual, our goal is to create a workplace where everyone feels valued, supported, and can thrive. We build an environment that welcomes a wide range of perspectives and experiences, with inclusion embedded in every aspect of our culture and reflected in everyday interactions. This comes to life through comprehensive benefits, workplace flexibility, professional development opportunities, and a host of opportunities provided through our Employee Resource Groups. Each employee plays a role in creating our inclusive culture, which supports every individual to do their best work. Together, we cultivate a community where everyone can make a meaningful impact for our business, our customers, and the communities we serve.
We value your hard work, integrity and commitment to make things better, and we put people first by offering you benefits that support your life and well-being. To learn more about our benefit offerings please visit: https://www.libertymutualgroup.com/about-lm/careers/benefits
Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law.
Fair Chance Notices
- California
- Los Angeles Incorporated
- Los Angeles Unincorporated
- Philadelphia
- San Francisco
Description
Works independently and autonomously on all but the most complex accounts/cases (subject to required process oversight). Underwrites policies within underwriting authority. Makes decisions on whether to accept business by making analytical, data-driven decisions based on data and information provided, including pricing the risk. In parts of North America more likely to underwrite complex/unusual policies - or those of high individual line size - policies assessed will focus on those of high complexity and/or larger size.
Responsibilities
- Manages portfolio of brokers/agents & clients.
- Leverages market presence and expertise to develop and underwrite profitable business, acting as a representative for Liberty.
- Has relationships with senior/market-leading brokers and/or key agents.
- Maintains a strong market presence, including established relationships with agents and brokers.
- Looks to strengthen these relationships and develop new ones.
- Articulates key coverage differences with a high degree of detail.
- Provides significant input into the business and marketing planning process, including advanced data-driven insights from portfolio analysis.
- Participates in projects across departments designed to drive underwriting and process excellence (e.g., member of a working team).
- Models effective collaboration across teams, stakeholders and partners (e.g., UW Support, Claims, Actuarial, Directors of Underwriting in North America).
- Has strong knowledge of key legal cases, legislation and regulation impacting area(s) of underwriting expertise.
- Shares knowledge based on technical expertise, including providing external thought-leadership.
- Mentors, coaches, and trains other underwriters and internal partners.
Qualifications
- Degree in Business or equivalent typically required
- A minimum of 7 years expected, typically 10 years or more, of progressive underwriting experience and/or other related business experience
- CPCU or professional insurance designation preferred
- Proven analytical ability to evaluate and judge underwriting risks within scope of responsibility
- Demonstrated ability to communicate complex analyses and information in understandable written and/or oral directives to other persons in the organization for underwriting or training purposes
- Demonstrated effective communication and interpersonal skills in dealing with internal and external stakeholders
- Must demonstrate comprehension of most complex technical underwriting issues and be capable of defining and implementing necessary underwriting and administrative processes/workflows to properly manage or administer those issues
- Proven track record of developing and underwriting profitable business
About us
Pay Philosophy: The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role.
At Liberty Mutual, our goal is to create a workplace where everyone feels valued, supported, and can thrive. We build an environment that welcomes a wide range of perspectives and experiences, with inclusion embedded in every aspect of our culture and reflected in everyday interactions. This comes to life through comprehensive benefits, workplace flexibility, professional development opportunities, and a host of opportunities provided through our Employee Resource Groups. Each employee plays a role in creating our inclusive culture, which supports every individual to do their best work. Together, we cultivate a community where everyone can make a meaningful impact for our business, our customers, and the communities we serve.
We value your hard work, integrity and commitment to make things better, and we put people first by offering you benefits that support your life and well-being. To learn more about our benefit offerings please visit: https://www.libertymutualgroup.com/about-lm/careers/benefits
Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran's status, pregnancy, genetic information or on any basis prohibited by federal, state or local law.
Fair Chance Notices
- California
- Los Angeles Incorporated
- Los Angeles Unincorporated
- Philadelphia
- San Francisco
Underwriter Jobs by Experience Level
Top Cities Hiring Underwriters
Explore underwriter openings in the cities hiring most right now.
See All 1,260+ Underwriter Jobs
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Find Underwriter JobsUnderwriter Job Market
Who's Hiring
- Travelers40
- Jobot35
- Chubb Insurance33
- Berkley30
- Liberty Mutual Insurance29
Top Industries Hiring
- Insurance97
- Staffing & Recruiting35
- Banking & Financial Services28
- Construction & Real Estate9
- Investment & Asset Management8
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 Travelers, Jobot, and Chubb Insurance, with the largest share of openings in Texas, New York, and California, based on current listings on Migrate Mate as of September 2026. Openings are distributed across insurance carriers, regional banks, and mortgage servicers.
How many underwriter jobs are remote?
About 81% of underwriter openings are fully remote or hybrid as of September 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 1,260+ Underwriter Jobs
Find roles that match your experience and apply in just a few clicks.
Find Underwriter Jobs