Underwriter Jobs in Massachusetts
Underwriter jobs in Massachusetts are concentrated in Boston, Hartford-area commuter markets, and Worcester, where major insurers and financial institutions maintain large underwriting operations. Liberty Mutual, Travelers, and Hanover Insurance Group are among the most established employers in the state, with consistent openings across commercial lines, property and casualty, and specialty risk. Massachusetts is one of the most active underwriting markets in the Northeast, with demand at every level from associate underwriter to senior and management roles. Find a role that fits below and apply directly.
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Showing 5 of 35+ Underwriter jobs
Position: Retail Lending Underwriter
Department: Retail Loan
Job Status: Full Time
FLSA Status: Exempt
Grade: 11
Reports to: AVP, Retail Lending Operations Production Manager
Amount of Travel Required: Some Travel
Positions Supervised: None
POSITION SUMMARY
Performs a range of duties related to the underwriting of residential mortgages, home equity lines and loans and consumer loans. Assesses loan attributes and documentation for soundness and accuracy. Renders underwriting decisions in accordance with Federal and State regulations and secondary market guidelines as well as bank policies and procedures. This position requires S.A.F.E. Act registration at the time of employment through the Nationwide Mortgage Licensing system (NMLS).
ESSENTIAL FUNCTIONS
- Preform a thorough underwriting review of all new files, including; self-employment and rental worksheets, complete list of required conditions and underwriting recommendation summary.
- Underwrite mortgage, construction and consumer loan files by thoroughly reviewing and analyzing the employment profile, credit strength, property characteristics and all other information pertinent to make a credit decision within limit of lending authority.
- Determine and verify borrower’s Ability to Repay (ATR) and if the file meets Qualified Mortgage (QM) requirements.
- Communicates directly with Processors, Closers and Loan Officers regarding decision results, condition requirements and any pertinent aspects of the loan file.
- Prepare and issue all necessary approval and denial documents required to ensure compliance with regulatory guidelines and bank policy.
- Prepare and issue all Notice of Incomplete Application (NOI) notices and Change of Circumstance (revised Loan Estimates) within the required timeframe.
- Utilize Mortgage and Consumer Loan Origination systems, including Automated Underwriting Systems (AUS) to underwrite files in a timely manner.
- Maintain a strong knowledge of and is compliant with the bank’s Retail lending policies, procedures and guidelines.
- Maintain a strong knowledge of and is compliant with secondary market guidelines, government and state funded guidelines as well as mortgage insurance guidelines.
- Maintain underwriting authority to approved lending limit.
- Must complete BSA, AML, and other Regulatory and Continuing Education as assigned.
- Must adhere to all bank and regulatory policies and procedures specific to position.
- Performs additional duties as requested.
POSITION QUALIFICATIONS
Competencies
- Attention to Detail
- Decision Making/Judgment
- Productivity/ Time Management
- Quality
Education/Experience/Skills
- Bachelor’s degree or comparable work experience required.
- Three (3) or more years of experience underwriting residential and consumer loans.
- Experience with tax return analysis for self-employed borrowers as well as corporations and partnerships.
- Effective oral and written communication skills.
- Demonstrated knowledge of Automated Underwriting Systems (ie; DU & LP).
- High degree of attention to detail and the ability to work under pressure of multiple projects and deadlines.
- Ability to interpret and apply required policies and procedures with minimal supervision.
- Knowledge of LOS Encompass system.
PHYSICAL DEMANDS
Physical Demands
Stand: O (Occasionally)
Walk: O (Occasionally)
Sit: F (Frequently)
Handling / Fingering: O (Occasionally)
Reach Outward: O (Occasionally)
Reach Above Shoulder: N (Not Applicable)
Climb: N (Not Applicable)
Crawl: N (Not Applicable)
Squat or Kneel: N (Not Applicable)
Bend: N (Not Applicable)
Lift/Carry
10 lbs or less: N (Not Applicable)
11-20 lbs: N (Not Applicable)
21-50 lbs: N (Not Applicable)
51-100 lbs: N (Not Applicable)
Over 100 lbs: N (Not Applicable)
Push/Pull
12 lbs or less: N (Not Applicable)
13-25 lbs: N (Not Applicable)
26-40 lbs: N (Not Applicable)
41-100 lbs: N (Not Applicable)
N (Not Applicable) Activity is not applicable to this occupation.
O (Occasionally) Occupation requires this activity up to 33% of the time (0-2.5+ hrs/day)
F (Frequently) Occupation requires this activity from 33%-66% of the time (2.5-5.5+ hrs/day)
C (Constantly) Occupation requires this activity more than 66% of the time (5.5+ hrs/day)
Other Physical Requirements
None
BENEFITS:
Westfield Bank offers a comprehensive benefits package designed to support employees' health, financial well-being, and work-life balance. Benefits may include medical, dental, and vision insurance, health savings and reimbursement accounts, paid time off and holidays, 401(k) with company match, company-funded ESOP, life and disability insurance, employee assistance programs, tuition reimbursement, and employee banking benefits.
Westfield Bank is proud to invest in our employees by offering benefits that help support their health, financial security, professional growth, and overall quality of life.
Benefits are subject to eligibility requirements and plan provisions and may be changed or discontinued at the Bank's discretion.
Westfield Bank has reviewed this job description to ensure that essential functions and basic duties have been included. It is not intended to be construed as an exhaustive list of all functions, responsibilities, skills and abilities. Additional functions and requirements may be assigned by supervisors as deemed appropriate.
Position: Retail Lending Underwriter
Department: Retail Loan
Job Status: Full Time
FLSA Status: Exempt
Grade: 11
Reports to: AVP, Retail Lending Operations Production Manager
Amount of Travel Required: Some Travel
Positions Supervised: None
POSITION SUMMARY
Performs a range of duties related to the underwriting of residential mortgages, home equity lines and loans and consumer loans. Assesses loan attributes and documentation for soundness and accuracy. Renders underwriting decisions in accordance with Federal and State regulations and secondary market guidelines as well as bank policies and procedures. This position requires S.A.F.E. Act registration at the time of employment through the Nationwide Mortgage Licensing system (NMLS).
ESSENTIAL FUNCTIONS
- Preform a thorough underwriting review of all new files, including; self-employment and rental worksheets, complete list of required conditions and underwriting recommendation summary.
- Underwrite mortgage, construction and consumer loan files by thoroughly reviewing and analyzing the employment profile, credit strength, property characteristics and all other information pertinent to make a credit decision within limit of lending authority.
- Determine and verify borrower’s Ability to Repay (ATR) and if the file meets Qualified Mortgage (QM) requirements.
- Communicates directly with Processors, Closers and Loan Officers regarding decision results, condition requirements and any pertinent aspects of the loan file.
- Prepare and issue all necessary approval and denial documents required to ensure compliance with regulatory guidelines and bank policy.
- Prepare and issue all Notice of Incomplete Application (NOI) notices and Change of Circumstance (revised Loan Estimates) within the required timeframe.
- Utilize Mortgage and Consumer Loan Origination systems, including Automated Underwriting Systems (AUS) to underwrite files in a timely manner.
- Maintain a strong knowledge of and is compliant with the bank’s Retail lending policies, procedures and guidelines.
- Maintain a strong knowledge of and is compliant with secondary market guidelines, government and state funded guidelines as well as mortgage insurance guidelines.
- Maintain underwriting authority to approved lending limit.
- Must complete BSA, AML, and other Regulatory and Continuing Education as assigned.
- Must adhere to all bank and regulatory policies and procedures specific to position.
- Performs additional duties as requested.
POSITION QUALIFICATIONS
Competencies
- Attention to Detail
- Decision Making/Judgment
- Productivity/ Time Management
- Quality
Education/Experience/Skills
- Bachelor’s degree or comparable work experience required.
- Three (3) or more years of experience underwriting residential and consumer loans.
- Experience with tax return analysis for self-employed borrowers as well as corporations and partnerships.
- Effective oral and written communication skills.
- Demonstrated knowledge of Automated Underwriting Systems (ie; DU & LP).
- High degree of attention to detail and the ability to work under pressure of multiple projects and deadlines.
- Ability to interpret and apply required policies and procedures with minimal supervision.
- Knowledge of LOS Encompass system.
PHYSICAL DEMANDS
Physical Demands
Stand: O (Occasionally)
Walk: O (Occasionally)
Sit: F (Frequently)
Handling / Fingering: O (Occasionally)
Reach Outward: O (Occasionally)
Reach Above Shoulder: N (Not Applicable)
Climb: N (Not Applicable)
Crawl: N (Not Applicable)
Squat or Kneel: N (Not Applicable)
Bend: N (Not Applicable)
Lift/Carry
10 lbs or less: N (Not Applicable)
11-20 lbs: N (Not Applicable)
21-50 lbs: N (Not Applicable)
51-100 lbs: N (Not Applicable)
Over 100 lbs: N (Not Applicable)
Push/Pull
12 lbs or less: N (Not Applicable)
13-25 lbs: N (Not Applicable)
26-40 lbs: N (Not Applicable)
41-100 lbs: N (Not Applicable)
N (Not Applicable) Activity is not applicable to this occupation.
O (Occasionally) Occupation requires this activity up to 33% of the time (0-2.5+ hrs/day)
F (Frequently) Occupation requires this activity from 33%-66% of the time (2.5-5.5+ hrs/day)
C (Constantly) Occupation requires this activity more than 66% of the time (5.5+ hrs/day)
Other Physical Requirements
None
BENEFITS:
Westfield Bank offers a comprehensive benefits package designed to support employees' health, financial well-being, and work-life balance. Benefits may include medical, dental, and vision insurance, health savings and reimbursement accounts, paid time off and holidays, 401(k) with company match, company-funded ESOP, life and disability insurance, employee assistance programs, tuition reimbursement, and employee banking benefits.
Westfield Bank is proud to invest in our employees by offering benefits that help support their health, financial security, professional growth, and overall quality of life.
Benefits are subject to eligibility requirements and plan provisions and may be changed or discontinued at the Bank's discretion.
Westfield Bank has reviewed this job description to ensure that essential functions and basic duties have been included. It is not intended to be construed as an exhaustive list of all functions, responsibilities, skills and abilities. Additional functions and requirements may be assigned by supervisors as deemed appropriate.
See All 35 Underwriter Jobs in Massachusetts
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Find Underwriter JobsUnderwriter Jobs by City in Massachusetts
Where Massachusetts roles are concentrated, by current openings.
Underwriter Job Market in Massachusetts
A snapshot from current Massachusetts openings, updated as new roles post.
Who's Hiring
Top Industries Hiring
- Insurance
- Banking & Financial Services
What Massachusetts Employers Look For
The qualifications that appear most often in underwriter jobs across Massachusetts.
- Active Massachusetts Property and Casualty or Life insurance license where required by employer
- Bachelor's degree in finance, business, risk management, or a related field
- Experience analyzing risk and making coverage or pricing decisions in commercial or personal lines
- Proficiency with underwriting platforms, policy management systems, and Microsoft Office tools
- Strong written and verbal communication skills for interacting with agents and brokers
- Progress toward or completion of CPCU, AU, or similar professional underwriting designation
Underwriter Jobs in Massachusetts: Frequently Asked Questions
How do you become a underwriter in Massachusetts?
Most underwriting roles in Massachusetts require a bachelor's degree in finance, business, economics, or risk management, followed by on-the-job training at an insurer or financial institution. For insurance underwriters, employers often require or sponsor a Massachusetts Department of Insurance producer or underwriting license depending on the line of business. Earning a professional designation such as the Chartered Property Casualty Underwriter strengthens candidacy and is expected for advancement in most Massachusetts underwriting teams.
How much do underwriters make in Massachusetts?
Underwriters in Massachusetts earn a median of about $106,640 a year, based on May 2025 Bureau of Labor Statistics wage data, ranging from around $70,590 for the lowest 10% to over $167,590 for the top 10%. Pay rises with experience, specialty, and employer.
Which companies hire underwriters in Massachusetts?
Companies currently hiring underwriters in Massachusetts include The Hartford, Bluestone Bank, and HUB International, per current listings on Migrate Mate as of November 2026. Massachusetts's concentration of global insurers, regional carriers, and financial services firms means underwriting openings appear across a wide range of specialty lines, from commercial property and casualty to life and mortgage underwriting.
Which Massachusetts cities have the most underwriter jobs?
Boston, Westborough, and Raynham account for the largest share of underwriter openings in Massachusetts. Boston drives volume as the state's financial and insurance hub, where major carriers and financial institutions are headquartered, while Worcester reflects the presence of large regional insurers like Hanover Insurance Group, making it a meaningful secondary market for underwriting talent.
Are there remote underwriter jobs in Massachusetts?
Yes, and more than most financial roles, since underwriting is largely analytical and documentation-driven work that translates well to remote settings. About 87% of underwriter openings tied to Massachusetts are remote or hybrid as of November 2026, reflecting how broadly carriers have adopted flexible arrangements. Commercial lines, specialty risk, and mortgage underwriting positions tend to have the highest share of fully remote postings.
How can I get hired as a underwriter in Massachusetts with little or no experience?
The most realistic entry path is an underwriting trainee or associate underwriter role, which large Massachusetts carriers like Liberty Mutual and Hanover Insurance Group run as structured training programs for candidates without prior underwriting experience. Adjacent roles such as insurance operations analyst, claims examiner, or loan processor are common stepping stones that Massachusetts employers recognize. Completing a Massachusetts producer license exam or beginning a professional designation like the Associate in Underwriting signals seriousness to hiring managers and gives early-career candidates a concrete edge.
Where can I find and apply to underwriter jobs in Massachusetts?
You can find and apply to underwriter jobs in Massachusetts on Migrate Mate, which lists current Massachusetts openings across insurers, financial institutions, and specialty risk firms. Search the listings to find roles that match your experience level and lines of business, then apply directly to the ones that fit.
See All 35 Underwriter Jobs in Massachusetts
Find roles in Massachusetts that match your experience and apply in just a few clicks.
Find Underwriter Jobs