Underwriter Jobs in New York
Underwriter jobs in New York are among the most active in the country, concentrated in property and casualty, life and health, and specialty commercial lines across one of the world's largest insurance and financial services markets, with openings at every level from entry-level associate to senior portfolio underwriter. Most hiring is centered in New York City, with additional activity in White Plains and Albany, where established employers like Chubb, AIG, and New York Life maintain significant underwriting operations. Excess and surplus lines, cyber liability, and financial guaranty are the specialties drawing the most consistent demand. Find a role that fits below and apply directly.
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Showing 5 of 122+ Underwriter jobs
Location: Hauppauge, NY
About Us:
Hanover Bank– When you love your work and the people you work with, careers are made!
Embracing diversity, valuing inclusion and showing respect are the foundation upon which we build our team. At Hanover Bank, inclusion means respecting personal beliefs and appreciating that we all have perspectives that matter. We are stronger together as we move toward a shared vision of personal and corporate growth.
Whether you are just starting out or a seasoned professional, working for Hanover Bank can launch you on a path to success. With a passion for excellence, we strive to deliver exceptional service to our clients, foster a positive impact in the communities in which we work and live and help our team members achieve their professional goals.
When you work with us you are empowered, engaged and encouraged to collaborate because every voice matters, every person counts.
Job Summary:
Hanover Bank is looking for a full-time Commercial Underwriter to join our team. The Commercial Underwriter is responsible for underwriting commercial loans, inclusive of C&I and CRE loans while ensuring compliance with appropriate company credit policies and procedures. This person will analyze the character, collateral, cash flow, capital and conditions of every credit request and make an informed and objective credit decision.
Job Duties and Responsibilities:
- Examine overall credit file documentation to ensure accuracy and completeness.
- Review financial statements, tax returns, personal financial statements, loan-to-value ratios, credit reports, appraisal reports, and Phase I reports.
- Analyze all cash flow information and collateral and perform required underwriting stress tests on proposed commercial originations.
- Discuss any potential underwriting exceptions and review with the Director of Commercial Credit
- Discuss new loan transactions with the sponsoring Lending Officer and Senior Management when appropriate.
- Prepares written credit memo for new loans or renewals to be submitted for signature approval or to the Loan Committee for approval.
- Assist in ensuring loan processing staff procure appropriate information necessary to finalize incomplete loan packages.
- Stay abreast of any changes in loan underwriting policy and procedural changes.
- Effectively communicate with clients on underwriting issues or the need for additional data including reaching out to customers directly when required to secure additional credit information to process the new credit transaction.
- Periodically perform reviews and cash flow assessments on commercial loans to ensure sufficient debt service coverage, collateral coverage and appropriate risk rating classifications.
- Ensure compliance with all regulations, policies, and procedures. Perform additional accountabilities as required.
- Stay abreast of market conditions affecting commercial real estate market or local market information affecting C&I customers.
- Perform portfolio management including loan extensions and modifications on existing loans.
- Perform annual reviews including risk rating recommendations on existing loans.
- Perform other miscellaneous credit-related responsibilities as needed. ·
- Aid in the development of underwriting processes and procedures.
Education and Experience:
- College degree required in Business, Finance, or a related field.
- 6-10 years of experience in CRE and/or C&I underwriting
- Formal Credit training or commensurate training or experience
Skills and Abilities:
- Excellent verbal and written communication skills.
- Ability to interact with a diverse group of people with professionalism.
- Excellent Organizational skills.
- Highly motivated and flexible.
- Committed to learning new skills.
- Basic PC, Network, E-mail, Director, Internet, Word Processing
Our Benefits:
Health & Wellness Benefits
- Medical, Dental, and Vision insurance (with HSA, FSA, and Commuter Benefits options)
- Company-paid Life Insurance and Accidental Death & Dismemberment (AD&D)
- Company-paid Long-Term Disability Insurance
Voluntary Benefits
- Additional Life and AD&D Insurance for employee, spouse, and dependents
- Voluntary Short-Term Disability Insurance
- Pet Insurance
- Legal Services Plan
- Accident Insurance
- Hospital Indemnity Insurance
- Cancer Care Insurance
Retirement
- 401(k) Plan with Company Match
Time Off & Recognition
- Paid Personal Time Off (PTO)
- Paid Company Holidays
- Annual Performance Bonuses
- Annual Salary Increases
Employee Engagement
- Company-sponsored Events
- Employee Contests and Recognition Programs
Salary: $109,000-$133,000; placement within this range will vary based on experience and skill level.
Hanover Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status.
Requirements:
Location: Hauppauge, NY
About Us:
Hanover Bank– When you love your work and the people you work with, careers are made!
Embracing diversity, valuing inclusion and showing respect are the foundation upon which we build our team. At Hanover Bank, inclusion means respecting personal beliefs and appreciating that we all have perspectives that matter. We are stronger together as we move toward a shared vision of personal and corporate growth.
Whether you are just starting out or a seasoned professional, working for Hanover Bank can launch you on a path to success. With a passion for excellence, we strive to deliver exceptional service to our clients, foster a positive impact in the communities in which we work and live and help our team members achieve their professional goals.
When you work with us you are empowered, engaged and encouraged to collaborate because every voice matters, every person counts.
Job Summary:
Hanover Bank is looking for a full-time Commercial Underwriter to join our team. The Commercial Underwriter is responsible for underwriting commercial loans, inclusive of C&I and CRE loans while ensuring compliance with appropriate company credit policies and procedures. This person will analyze the character, collateral, cash flow, capital and conditions of every credit request and make an informed and objective credit decision.
Job Duties and Responsibilities:
- Examine overall credit file documentation to ensure accuracy and completeness.
- Review financial statements, tax returns, personal financial statements, loan-to-value ratios, credit reports, appraisal reports, and Phase I reports.
- Analyze all cash flow information and collateral and perform required underwriting stress tests on proposed commercial originations.
- Discuss any potential underwriting exceptions and review with the Director of Commercial Credit
- Discuss new loan transactions with the sponsoring Lending Officer and Senior Management when appropriate.
- Prepares written credit memo for new loans or renewals to be submitted for signature approval or to the Loan Committee for approval.
- Assist in ensuring loan processing staff procure appropriate information necessary to finalize incomplete loan packages.
- Stay abreast of any changes in loan underwriting policy and procedural changes.
- Effectively communicate with clients on underwriting issues or the need for additional data including reaching out to customers directly when required to secure additional credit information to process the new credit transaction.
- Periodically perform reviews and cash flow assessments on commercial loans to ensure sufficient debt service coverage, collateral coverage and appropriate risk rating classifications.
- Ensure compliance with all regulations, policies, and procedures. Perform additional accountabilities as required.
- Stay abreast of market conditions affecting commercial real estate market or local market information affecting C&I customers.
- Perform portfolio management including loan extensions and modifications on existing loans.
- Perform annual reviews including risk rating recommendations on existing loans.
- Perform other miscellaneous credit-related responsibilities as needed. ·
- Aid in the development of underwriting processes and procedures.
Education and Experience:
- College degree required in Business, Finance, or a related field.
- 6-10 years of experience in CRE and/or C&I underwriting
- Formal Credit training or commensurate training or experience
Skills and Abilities:
- Excellent verbal and written communication skills.
- Ability to interact with a diverse group of people with professionalism.
- Excellent Organizational skills.
- Highly motivated and flexible.
- Committed to learning new skills.
- Basic PC, Network, E-mail, Director, Internet, Word Processing
Our Benefits:
Health & Wellness Benefits
- Medical, Dental, and Vision insurance (with HSA, FSA, and Commuter Benefits options)
- Company-paid Life Insurance and Accidental Death & Dismemberment (AD&D)
- Company-paid Long-Term Disability Insurance
Voluntary Benefits
- Additional Life and AD&D Insurance for employee, spouse, and dependents
- Voluntary Short-Term Disability Insurance
- Pet Insurance
- Legal Services Plan
- Accident Insurance
- Hospital Indemnity Insurance
- Cancer Care Insurance
Retirement
- 401(k) Plan with Company Match
Time Off & Recognition
- Paid Personal Time Off (PTO)
- Paid Company Holidays
- Annual Performance Bonuses
- Annual Salary Increases
Employee Engagement
- Company-sponsored Events
- Employee Contests and Recognition Programs
Salary: $109,000-$133,000; placement within this range will vary based on experience and skill level.
Hanover Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status.
Requirements:
See All 122+ Underwriter Jobs in New York
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Find Underwriter JobsUnderwriter Jobs by City in New York
Where New York roles are concentrated, by current openings.
Underwriter Job Market in New York
A snapshot from current New York openings, updated as new roles post.
Who's Hiring
Top Industries Hiring
- Insurance24
- Construction & Real Estate1
- Banking & Financial Services1
What New York Employers Look For
The qualifications that appear most often in underwriter jobs across New York.
- Active New York property and casualty or life and health insurance producer license
- Bachelor's degree in finance, business, economics, or a related field
- Two or more years of underwriting experience in commercial or personal lines
- Proficiency with underwriting platforms and policy management systems
- CPCU, AU, or equivalent professional designation preferred by most employers
- Strong written communication skills for coverage analysis and broker correspondence
Underwriter Jobs in New York: Frequently Asked Questions
How do you become a underwriter in New York?
Most underwriters in New York begin with a bachelor's degree in finance, business, or economics, then obtain a New York State insurance producer license through the New York Department of Financial Services, which requires passing the appropriate lines-of-authority exam. Many carriers hire candidates directly into associate underwriter or underwriting trainee roles, providing on-the-job training. Earning a designation like the CPCU or Associate in Underwriting accelerates advancement at most New York employers.
How much do underwriters make in New York?
Underwriters in New York earn a median of about $97,450 a year, based on May 2025 Bureau of Labor Statistics wage data, ranging from around $65,160 for the lowest 10% to over $168,790 for the top 10%. Pay rises with experience, specialty, and employer.
Which companies hire underwriters in New York?
Employers hiring underwriters in New York right now include The Hartford, Starr Companies, and Ascot, based on current listings on Migrate Mate as of November 2026. New York's concentration of global insurance carriers, specialty lines companies, and financial guaranty firms means underwriting openings appear consistently across a wide range of employer sizes and lines of business.
Which New York cities have the most underwriter jobs?
New York, Buffalo, and Melville have the most underwriter openings in New York. New York City dominates the distribution because it is home to the headquarters and major regional offices of the largest domestic and international carriers, while White Plains and Albany attract openings tied to mid-size regional insurers and state-regulated lines where proximity to the New York Department of Financial Services matters.
Are there remote underwriter jobs in New York?
Yes, and more than most fields. Underwriting is a desk-based, analytical role that translates well to remote and hybrid arrangements. About 72% of underwriter openings tied to New York are remote or hybrid as of November 2026, reflecting how widely carriers have adopted flexible work policies since the shift to distributed teams. Commercial lines and specialty underwriting roles tend to offer the most remote flexibility, while roles requiring close broker or field interaction are more likely to be hybrid.
How can I get hired as a underwriter in New York with little or no experience?
The most realistic entry path is applying to underwriting trainee or associate underwriter programs at large New York carriers such as Chubb, AIG, or New York Life, which run structured new-hire rotations specifically designed for candidates without prior underwriting experience. Roles in policy processing, insurance operations, or claims adjusting at a New York carrier are strong lateral moves that demonstrate industry familiarity. Obtaining your New York property and casualty producer license before applying gives you a concrete edge over other entry-level candidates.
Where can I find and apply to underwriter jobs in New York?
You can find and apply to underwriter jobs in New York on Migrate Mate, which lists current openings from employers hiring in the state right now. Search the listings, find roles that match your experience and the lines of business you work in, and apply directly to the ones that fit.
See All 122+ Underwriter Jobs in New York
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