Mid Level Underwriter Jobs
Mid level underwriter jobs go to professionals ready to own risk assessments end to end, guide junior analysts, and make coverage decisions with limited oversight. Openings run across Insurance, Banking & Financial Services, and Staffing & Recruiting, with 54% remote or hybrid flexibility, and employers like Jobot, The Hartford, and Chubb hiring at this level now.
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About the Role:
This role plays a critical role in ensuring the integrity and compliance of mortgage credit processes within the organization. This position is responsible for overseeing the evaluation, approval, and monitoring of mortgage credit applications to mitigate risk and uphold regulatory standards. The officer will collaborate closely with, risk management, and compliance teams to maintain accurate documentation and adherence to internal policies and external regulations. By analyzing credit data and financial statements, the officer ensures that mortgage lending decisions are sound and support the institution's financial health. Ultimately, this role contributes to the organization's goal of providing responsible lending solutions while minimizing credit risk exposure.
Minimum Qualifications:
- Bachelor’s degree in Finance, Business Administration, Economics, or a related field.
- Minimum of 3 years of experience in mortgage credit administration, underwriting, or a related financial services role.
- Strong knowledge of mortgage lending regulations and compliance requirements in the United States.
- Proficiency in credit analysis and financial statement review.
- Excellent organizational skills with attention to detail and accuracy.
Preferred Qualifications:
- Professional certification such as Certified Mortgage Banker (CMB) or similar credentials.
- Experience with mortgage loan origination systems and credit risk management software.
- Familiarity with federal and state mortgage lending laws including RESPA, TILA, and ECOA.
- Advanced Excel and data analysis skills.
- Prior experience working in a regulatory or audit environment.
Responsibilities:
- Review and assess mortgage credit applications for completeness, accuracy, and compliance with regulatory and internal guidelines.
- Coordinate with underwriting and risk management teams to evaluate creditworthiness and identify potential risks associated with mortgage lending.
- Maintain and update mortgage credit files, ensuring all documentation is properly filed and accessible for audits and regulatory reviews.
- Monitor ongoing mortgage credit portfolios to detect early signs of credit deterioration and recommend appropriate actions.
- Prepare detailed reports on mortgage credit activities, trends, and compliance status for senior management and regulatory bodies.
- Assist in the development and implementation of credit policies and procedures to enhance operational efficiency and risk mitigation.
- Provide training and guidance to junior staff on mortgage credit administration best practices and regulatory requirements.
Skills:
This role utilizes analytical skills daily to evaluate credit applications and financial documents, ensuring that lending decisions are well-informed and compliant. Strong communication skills are essential for collaborating with internal teams and conveying complex credit information clearly to stakeholders. Organizational skills are critical for maintaining comprehensive and accurate credit files that support audit readiness and regulatory compliance. Proficiency with mortgage software and data analysis tools enables the officer to efficiently monitor credit portfolios and generate insightful reports. Additionally, knowledge of regulatory frameworks guides the officer in implementing policies that safeguard the institution against credit risk while promoting responsible lending.
This position is Florida based and hybrid/remote work eligible.
About the Role:
This role plays a critical role in ensuring the integrity and compliance of mortgage credit processes within the organization. This position is responsible for overseeing the evaluation, approval, and monitoring of mortgage credit applications to mitigate risk and uphold regulatory standards. The officer will collaborate closely with, risk management, and compliance teams to maintain accurate documentation and adherence to internal policies and external regulations. By analyzing credit data and financial statements, the officer ensures that mortgage lending decisions are sound and support the institution's financial health. Ultimately, this role contributes to the organization's goal of providing responsible lending solutions while minimizing credit risk exposure.
Minimum Qualifications:
- Bachelor’s degree in Finance, Business Administration, Economics, or a related field.
- Minimum of 3 years of experience in mortgage credit administration, underwriting, or a related financial services role.
- Strong knowledge of mortgage lending regulations and compliance requirements in the United States.
- Proficiency in credit analysis and financial statement review.
- Excellent organizational skills with attention to detail and accuracy.
Preferred Qualifications:
- Professional certification such as Certified Mortgage Banker (CMB) or similar credentials.
- Experience with mortgage loan origination systems and credit risk management software.
- Familiarity with federal and state mortgage lending laws including RESPA, TILA, and ECOA.
- Advanced Excel and data analysis skills.
- Prior experience working in a regulatory or audit environment.
Responsibilities:
- Review and assess mortgage credit applications for completeness, accuracy, and compliance with regulatory and internal guidelines.
- Coordinate with underwriting and risk management teams to evaluate creditworthiness and identify potential risks associated with mortgage lending.
- Maintain and update mortgage credit files, ensuring all documentation is properly filed and accessible for audits and regulatory reviews.
- Monitor ongoing mortgage credit portfolios to detect early signs of credit deterioration and recommend appropriate actions.
- Prepare detailed reports on mortgage credit activities, trends, and compliance status for senior management and regulatory bodies.
- Assist in the development and implementation of credit policies and procedures to enhance operational efficiency and risk mitigation.
- Provide training and guidance to junior staff on mortgage credit administration best practices and regulatory requirements.
Skills:
This role utilizes analytical skills daily to evaluate credit applications and financial documents, ensuring that lending decisions are well-informed and compliant. Strong communication skills are essential for collaborating with internal teams and conveying complex credit information clearly to stakeholders. Organizational skills are critical for maintaining comprehensive and accurate credit files that support audit readiness and regulatory compliance. Proficiency with mortgage software and data analysis tools enables the officer to efficiently monitor credit portfolios and generate insightful reports. Additionally, knowledge of regulatory frameworks guides the officer in implementing policies that safeguard the institution against credit risk while promoting responsible lending.
This position is Florida based and hybrid/remote work eligible.
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Find Mid Level Underwriter JobsMid Level Underwriter Job Market
Who's Hiring
- Jobot28
- The Hartford13
- Chubb12
- First American8
- Liberty Mutual Insurance8
Top Industries Hiring
- Insurance103
- Banking & Financial Services49
- Staffing & Recruiting28
- Construction & Real Estate10
- Consulting & Professional Services5
Mid Level Underwriter Jobs: Frequently Asked Questions
How do I get a mid level underwriter job?
Position your existing experience around independent decision-making, not just task completion. Highlight files or accounts you owned from submission through approval, any mentoring you have done, and measurable outcomes like loss ratios improved or books of business grown. Tailor your resume to show you can operate with limited oversight, and target postings that list responsibilities rather than just entry-level duties.
Which companies hire mid level underwriters?
Companies hiring mid level underwriters right now include Jobot, The Hartford, and Chubb, based on current listings on Migrate Mate as of August 2026. Hiring at this level covers regional carriers and specialty insurers as well as large national carriers and financial institutions that need underwriters who can manage their own books independently.
Are there remote mid level underwriter jobs?
Yes, though availability varies by line of business and employer. About 54% of mid level underwriter openings are remote or hybrid as of August 2026, reflecting how much of the underwriting workflow has moved to digital submission platforms. Commercial and specialty lines tend to offer more flexibility than personal lines roles tied to local agency relationships.
How do I move up to a mid level underwriter role?
Moving from entry level to mid level underwriting means shifting from processing files under close supervision to owning accounts and driving decisions. Build that shift by deepening expertise in one line of business, volunteering to handle more complex submissions, and demonstrating measurable impact such as retention improvements or portfolio growth. Consistent independent judgment over time is what signals readiness for mid level responsibilities.
Which industries hire the most mid level underwriters?
Mid Level underwriter roles concentrate in Insurance, Banking & Financial Services, and Staffing & Recruiting, based on current listings on Migrate Mate as of August 2026. Those sectors drive hiring at this level because their risk complexity and volume require underwriters who can manage accounts independently without needing line-by-line supervisory approval.