Underwriter Jobs in Texas
Underwriter jobs in Texas are among the most active in the country, concentrated in insurance carriers, mortgage lending, and commercial banking, with openings at every level from junior analyst through senior underwriter and team lead. Houston, Dallas, and San Antonio anchor the market, where large employers like USAA, Travelers, and Berkshire Hathaway's insurance subsidiaries have long-standing Texas operations. The most in-demand specialties are commercial lines underwriting, mortgage underwriting, and surety, reflecting Texas's scale in energy, real estate, and construction. Find a role that fits below and apply directly.
Find Underwriter JobsOverview
Showing 5 of 134+ Underwriter jobs
- Medical, Dental, and Vision coverage
- 401(k) and company match
- Generous paid time off (PTO), paid company holidays, paid maternity/paternity leave, and supplemental sick leave
- Family-like culture
- Year-round wellness initiatives
- Company sponsored events
- Opportunities for professional development with conferences, events, and continued education
- Review new applications, renewals and requests for changes to determine acceptability of all commercial lines of insurance written by the company on either a mono-line or package policy basis (i.e. commercial fire, commercial general liability, workers’ compensation, commercial and fleet auto, business owners’, etc.).
- Evaluate risks and make decisions regarding insurability in light of nature and location of property and/or operations, including physical and moral hazards involved utilizing information secured from producers, engineering reports and financial statements within described limits of authority, specific filings, statutes and laws. Recommend risk improvements if warranted.
- Select proper policy or policies to be utilized and determine appropriate pricing using individual risk and experience premium modification factors; evaluate and monitor premium basis for auditable policies on both a new and renewal basis and provide assistance to the audit collection processor.
- Secure facultative reinsurance on risks where appropriate based on nature and type of risk and insured amounts consistent with company guidelines.
- Maintain current knowledge of technical aspects of commercial insurance underwriting and applicable state and local statutes and laws.
- Participate in education and training of agents by presenting technical and corporate information regarding commercial insurance issues.
- Review assigned agencies’ experience on periodic basis with marketing and claim personnel; make periodic visits to agents to improve quality of submissions, stimulate growth and achieve improved agency/company relationships and more profitable results.
- Communicate with internal and external parties including state regulators, other insurance companies, reinsurers, co-workers and agents.
- Other duties as assigned.
- At least 3 years’ commercial lines underwriting experience
- A thorough knowledge of commercial lines products and coverages
- Excellent communication and customer service skills
- Bachelor’s degree strongly preferred
- Supplemental insurance education/designations
- Independent agency distribution experience and knowledge
- Knowledge of and relationships with agency force in the servicing area
- Medical, Dental, and Vision coverage
- 401(k) and company match
- Generous paid time off (PTO), paid company holidays, paid maternity/paternity leave, and supplemental sick leave
- Family-like culture
- Year-round wellness initiatives
- Company sponsored events
- Opportunities for professional development with conferences, events, and continued education
- Review new applications, renewals and requests for changes to determine acceptability of all commercial lines of insurance written by the company on either a mono-line or package policy basis (i.e. commercial fire, commercial general liability, workers’ compensation, commercial and fleet auto, business owners’, etc.).
- Evaluate risks and make decisions regarding insurability in light of nature and location of property and/or operations, including physical and moral hazards involved utilizing information secured from producers, engineering reports and financial statements within described limits of authority, specific filings, statutes and laws. Recommend risk improvements if warranted.
- Select proper policy or policies to be utilized and determine appropriate pricing using individual risk and experience premium modification factors; evaluate and monitor premium basis for auditable policies on both a new and renewal basis and provide assistance to the audit collection processor.
- Secure facultative reinsurance on risks where appropriate based on nature and type of risk and insured amounts consistent with company guidelines.
- Maintain current knowledge of technical aspects of commercial insurance underwriting and applicable state and local statutes and laws.
- Participate in education and training of agents by presenting technical and corporate information regarding commercial insurance issues.
- Review assigned agencies’ experience on periodic basis with marketing and claim personnel; make periodic visits to agents to improve quality of submissions, stimulate growth and achieve improved agency/company relationships and more profitable results.
- Communicate with internal and external parties including state regulators, other insurance companies, reinsurers, co-workers and agents.
- Other duties as assigned.
- At least 3 years’ commercial lines underwriting experience
- A thorough knowledge of commercial lines products and coverages
- Excellent communication and customer service skills
- Bachelor’s degree strongly preferred
- Supplemental insurance education/designations
- Independent agency distribution experience and knowledge
- Knowledge of and relationships with agency force in the servicing area
See All 134+ Underwriter Jobs in Texas
Find roles in Texas that match your experience and apply in just a few clicks.
Find Underwriter JobsUnderwriter Jobs by City in Texas
Where Texas roles are concentrated, by current openings.
Underwriter Job Market in Texas
A snapshot from current Texas openings, updated as new roles post.
Who's Hiring
Top Industries Hiring
- Insurance22
- Banking & Financial Services8
- Construction & Real Estate5
- Agriculture & Farming1
- Technology & Software1
What Texas Employers Look For
The qualifications that appear most often in underwriter jobs across Texas.
- Bachelor's degree in finance, business, or a related field required
- Professional designation such as CPCU or AU preferred or expected
- Two or more years of underwriting experience in commercial or personal lines
- Proficiency with underwriting platforms and insurance management systems
- Strong analytical skills for evaluating risk and interpreting financial data
- Clear written communication skills for documenting coverage decisions and correspondence
Underwriter Jobs in Texas: Frequently Asked Questions
How do you become a underwriter in Texas?
Most underwriting roles in Texas require a bachelor's degree in finance, business, economics, or a related field, though some employers accept candidates with strong quantitative backgrounds from other disciplines. Insurance underwriters who also bind or issue policies may need a Texas Department of Insurance property and casualty license, administered through the TDI. Mortgage underwriters typically need a NMLS registration. Entry-level candidates often move in through claims, insurance sales, or loan processing before transitioning to underwriting.
How much do underwriters make in Texas?
Underwriters in Texas earn a median of about $78,890 a year, based on May 2025 Bureau of Labor Statistics wage data, ranging from around $51,440 for the lowest 10% to over $135,410 for the top 10%. Pay rises with experience, specialty, and employer.
Which companies hire underwriters in Texas?
Employers hiring underwriters in Texas right now include Travelers, Stellantis, and The Hartford, based on current listings on Migrate Mate as of September 2026. Texas's concentration of insurance carriers, regional banks, and mortgage companies means underwriting demand is spread across both national firms and large locally headquartered operations.
Which Texas cities have the most underwriter jobs?
Dallas, Houston, and Texas have the most underwriter openings in Texas. Houston leads because of its energy sector, large insurance carrier offices, and commercial real estate activity, while Dallas draws significant volume from regional bank headquarters, national insurance companies, and a deep mortgage lending industry. San Antonio's concentration of financial services firms, including USAA, sustains consistent demand for both insurance and mortgage underwriters.
Are there remote underwriter jobs in Texas?
Yes, and more than most fields. Underwriting is largely desk-based and document-driven, which makes it well suited to remote and hybrid arrangements. About 65% of underwriter openings tied to Texas are remote or hybrid as of September 2026, reflecting how broadly carriers and lenders have adopted flexible work models. Mortgage underwriting and personal lines insurance roles tend to offer the most consistent remote options.
How can I get hired as a underwriter in Texas with little or no experience?
The most realistic entry path is starting in a related role such as insurance customer service, claims adjuster, or loan processor, then moving into underwriting support or a junior underwriter title. Large Texas-based carriers like USAA in San Antonio and Travelers in Dallas run structured development programs and regularly hire candidates without direct underwriting experience into analyst or associate roles. Earning a TDI property and casualty license or an NMLS registration before applying gives candidates a measurable edge.
Where can I find and apply to underwriter jobs in Texas?
You can find and apply to underwriter jobs in Texas on Migrate Mate, which lists current Texas openings across insurance carriers, mortgage lenders, and commercial banks. Find roles that fit your experience and specialty, then apply directly to the employer through the listing.
See All 134+ Underwriter Jobs in Texas
Find roles in Texas that match your experience and apply in just a few clicks.
Find Underwriter Jobs