Underwriter Jobs in Tennessee
Underwriter jobs in Tennessee are active across the state's strong insurance, banking, and mortgage sectors, with openings at every level from entry-level analyst to senior underwriter. Nashville, Memphis, and Knoxville anchor most of the hiring, where established employers like HCA Healthcare, Truist Financial, and Genworth Financial maintain significant underwriting operations. The most in-demand specialties in Tennessee are commercial property and casualty, mortgage, and life and health underwriting. Find a role that fits below and apply directly.
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JOB OVERVIEW: As a Mortgage Underwriter, you will play a critical role in our mortgage lending team, responsible for evaluating and underwriting mortgage loan applications to ensure adherence to company policies, regulatory guidelines, and investor requirements. With a focus on accuracy, quality, and customer service, you will assess borrowers' financial profiles, property information, and loan documentation to make informed lending decisions. Your expertise in underwriting will contribute to the success of our loan origination process and the satisfaction of our borrowers.
KEY RESPONSIBILITIES:
- Review and analyze mortgage loan applications, credit reports, income documentation, and property appraisals to assess borrower eligibility and loan risk.
- Evaluate borrowers' financial profiles, including debt-to-income ratio, credit history, and employment stability, to determine loan approval or denial.
- Ensure compliance with company policies, regulatory requirements (such as TILA, RESPA, and Fair Lending), and investor guidelines throughout the underwriting process.
- Communicate lending decisions to Loan Officers, borrowers, and other stakeholders in a clear and timely manner, providing explanations for any conditions or stipulations.
- Collaborate with Loan Processors, Loan Officers, and other team members to resolve issues, address conditions, and facilitate loan closings.
- Maintain a high level of accuracy and attention to detail in underwriting documentation and loan files, ensuring completeness and consistency.
- Provide exceptional customer service by responding to borrower inquiries, providing status updates, and guiding them through the underwriting process with professionalism and empathy.
- Stay informed about industry trends, regulatory changes, and best practices in mortgage underwriting to continuously improve knowledge and skills.
- Cultivate and nurture client relationships while delivering exceptional customer service.
MINIMUM QUALIFICATIONS:
- Prefer a minimum of two years of experience in the mortgage industry
- Familiarity with Encompass software is advantageous.
- Knowledge of the Manufactured Home Industry is a desirable asset.
- Demonstrated ability to multitask effectively.
- Exhibit a strong work ethic.
- Proficient in Microsoft Office suite.
- Possess strong problem-solving abilities.
- Attention to detail and accuracy in tasks.
- Excellent verbal and written communication skills.
- Capability to work both independently and collaboratively in a team environment.
JOB OVERVIEW: As a Mortgage Underwriter, you will play a critical role in our mortgage lending team, responsible for evaluating and underwriting mortgage loan applications to ensure adherence to company policies, regulatory guidelines, and investor requirements. With a focus on accuracy, quality, and customer service, you will assess borrowers' financial profiles, property information, and loan documentation to make informed lending decisions. Your expertise in underwriting will contribute to the success of our loan origination process and the satisfaction of our borrowers.
KEY RESPONSIBILITIES:
- Review and analyze mortgage loan applications, credit reports, income documentation, and property appraisals to assess borrower eligibility and loan risk.
- Evaluate borrowers' financial profiles, including debt-to-income ratio, credit history, and employment stability, to determine loan approval or denial.
- Ensure compliance with company policies, regulatory requirements (such as TILA, RESPA, and Fair Lending), and investor guidelines throughout the underwriting process.
- Communicate lending decisions to Loan Officers, borrowers, and other stakeholders in a clear and timely manner, providing explanations for any conditions or stipulations.
- Collaborate with Loan Processors, Loan Officers, and other team members to resolve issues, address conditions, and facilitate loan closings.
- Maintain a high level of accuracy and attention to detail in underwriting documentation and loan files, ensuring completeness and consistency.
- Provide exceptional customer service by responding to borrower inquiries, providing status updates, and guiding them through the underwriting process with professionalism and empathy.
- Stay informed about industry trends, regulatory changes, and best practices in mortgage underwriting to continuously improve knowledge and skills.
- Cultivate and nurture client relationships while delivering exceptional customer service.
MINIMUM QUALIFICATIONS:
- Prefer a minimum of two years of experience in the mortgage industry
- Familiarity with Encompass software is advantageous.
- Knowledge of the Manufactured Home Industry is a desirable asset.
- Demonstrated ability to multitask effectively.
- Exhibit a strong work ethic.
- Proficient in Microsoft Office suite.
- Possess strong problem-solving abilities.
- Attention to detail and accuracy in tasks.
- Excellent verbal and written communication skills.
- Capability to work both independently and collaboratively in a team environment.
See All 13 Underwriter Jobs in Tennessee
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Find Underwriter JobsUnderwriter Jobs by City in Tennessee
Where Tennessee roles are concentrated, by current openings.
Underwriter Job Market in Tennessee
A snapshot from current Tennessee openings, updated as new roles post.
Who's Hiring
Top Industries Hiring
- Insurance
- Staffing & Recruiting
- Banking & Financial Services
What Tennessee Employers Look For
The qualifications that appear most often in underwriter jobs across Tennessee.
- Active insurance license issued or recognized by the Tennessee Department of Commerce and Insurance
- Bachelor's degree in finance, business, economics, or a related field
- Proficiency with underwriting software and risk assessment platforms
- Strong analytical skills and experience evaluating financial or insurance risk data
- Two or more years of underwriting or related financial services experience
- Professional designation such as CPCU, CUW, or AU preferred by most Tennessee employers
Underwriter Jobs in Tennessee: Frequently Asked Questions
How do you become a underwriter in Tennessee?
To work as an insurance underwriter in Tennessee, you typically need a bachelor's degree in business, finance, or a related field, and you must obtain the appropriate insurance license through the Tennessee Department of Commerce and Insurance. The licensing process requires completing a pre-licensing education course and passing the relevant state exam for your line of authority, such as property and casualty or life and health. Many Tennessee employers also value professional designations like the CPCU or AU credential for career advancement.
How much do underwriters make in Tennessee?
Underwriters in Tennessee earn a median of about $78,840 a year, based on May 2025 Bureau of Labor Statistics wage data, ranging from around $50,200 for the lowest 10% to over $123,150 for the top 10%. Pay rises with experience, specialty, and employer.
Which companies hire underwriters in Tennessee?
Employers hiring underwriters in Tennessee right now include FCT, Jobot, and Travelers, based on current listings on Migrate Mate as of November 2026. Tennessee's concentration of insurance carriers, regional banks, and mortgage companies means consistent underwriter demand across the state's major metro areas.
Which Tennessee cities have the most underwriter jobs?
Franklin, Knoxville, and Tennessee have the most underwriter openings in Tennessee. Nashville drives the largest share of listings due to its dense concentration of insurance companies, mortgage lenders, and financial services headquarters, while Memphis and Knoxville support steady demand through regional banking operations and insurance carriers with long-established presences in those markets.
Are there remote underwriter jobs in Tennessee?
Yes, and more than most fields. About 71% of underwriter openings tied to Tennessee are remote or hybrid as of November 2026, reflecting the desk-based and analytical nature of the work. Commercial lines and personal lines underwriting roles are the most likely to be offered fully remote, while positions requiring close coordination with local agents or bank branches more often follow a hybrid schedule.
How can I get hired as a underwriter in Tennessee with little or no experience?
The most realistic entry path is applying to underwriting assistant or junior underwriter roles at Tennessee's regional insurance carriers and community banks, where on-the-job training is common. Large Nashville-area employers such as Genworth and regional divisions of national insurers often hire candidates directly into rotational or associate underwriter programs. Moving laterally from claims analyst, loan processor, or credit analyst positions is another well-traveled route. Completing a pre-licensing course and passing the Tennessee Department of Commerce and Insurance exam before applying gives candidates a measurable edge.
Where can I find and apply to underwriter jobs in Tennessee?
You can find and apply to underwriter jobs in Tennessee on Migrate Mate, which lists current Tennessee openings from employers across the state. Search the listings, find roles that match your background and location, and apply directly to the ones that fit.
See All 13 Underwriter Jobs in Tennessee
Find roles in Tennessee that match your experience and apply in just a few clicks.
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