Underwriting Team Lead Jobs
Underwriting Team Lead jobs are open across insurance carriers, banks, specialty finance, and reinsurance firms, at levels from senior underwriter to manager, with specializations in commercial lines, personal lines, and mortgage underwriting. Find a role that fits below and apply directly.
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Job Summary
The Commercial Lines Underwriting Team Lead is responsible for underwriting profitability, growth, and retention of new or renewal business within an assigned territory. The role monitors productivity, prioritization, balancing of workloads, and sound underwriting decisions of their team of underwriters. The role ensures alignment and collaboration with the Underwriting Operations Team and Territory Managers/Leaders, driving a culture of virtual teaming to ensure achievement of territory plans and targeted financial results.
Job Responsibilities
- Monitors performance of commercial lines staff in achieving established goals and participates in the development of branch strategy and business plans.
- Responsible for underwriting profitability growth and retention of new and renewal business, exercises underwriting authority, productivity, prioritization, balancing of workloads, and sound underwriting decisions of underwriters to achieve profit through quality risk selection and exposure control.
- Handles underwriting referrals exceeding the authority limits of their team members.
- Ensures individual authority grants for underwriters are established following a well-calibrated, objective, data-driven process.
- Collaborates with the Underwriting Operations Team and Territory Managers/Leaders, helping drive business development best practices in the underwriting environment, aligned to field operations.
- Partners with the QA underwriting function, utilizing findings to help develop underwriting acumen and decision making of the team.
- Works to increase the overall business and underwriting acumen of the team and its members through one-on-one interactions (e.g., reviewing underwriting decisions, answering questions, listening to phone calls).
- Performs talent management responsibilities including employee selection, performance management, coaching, and development, leading and navigating employee-related issues, employee morale and work environment.
- Manages priorities and workload distribution and removes barriers that impede progress.
- Completes all personnel, salary administration, and reporting duties.
- Remains current on industry topics, trends, methods (e.g., processes), best practices, etc.
- through research, industry events, networking, etc.
- , and shares knowledge gained with others.
- Learns basic concepts of commercial insurance and understand department workflow and processes as well as leads and manages production and support staff.
- Provides underwriting insights that support superior product innovation, development, and maintenance.
- Manages and achieves personal book of business goals and oversees and implements regional strategies.
- Reviews and evaluates regions new and renewal business based upon company underwriting guidelines, competition, and geographic focus. Fields questions from underwriting team members and internal and external customers seeking guidance on specific premiums and processes.
Job Qualifications
- 5-8 years of Underwriting experience. Bachelor's degree in a related field and/or commensurate experience.
Location
Hybrid – defined as working three or more days per week in the office if the employee’s residence is within 50 miles of Westfield Center, OH; or Remote – if the employee resides more than 50 miles from Westfield Center, OH.
Behavioral Competencies
- Directs work
- Collaborates
- Develops talent
- Customer focus
- Communicates effectively
- Ensures accountability
- Decision quality
- Business insight
- Nimble learning
- Builds effective teams Manages complexity
Technical Skills
- Property and Casualty Underwriting
- Compliance Management
- Risk Management
- Financial Controls
- Underwriting Strategy
- Customer Service Management
- Insurance Industry Knowledge
- Technical Documentation
- Commercial Lines Underwriting
- KPI Tracking
- Data Analysis and Reporting Account Management
This job description describes the general nature and level of work performed in this role. It is not intended to be an exhaustive list of all duties, skills, responsibilities, knowledge, etc. These may be subject to change and additional functions may be assigned as needed by management.
Job Summary
The Commercial Lines Underwriting Team Lead is responsible for underwriting profitability, growth, and retention of new or renewal business within an assigned territory. The role monitors productivity, prioritization, balancing of workloads, and sound underwriting decisions of their team of underwriters. The role ensures alignment and collaboration with the Underwriting Operations Team and Territory Managers/Leaders, driving a culture of virtual teaming to ensure achievement of territory plans and targeted financial results.
Job Responsibilities
- Monitors performance of commercial lines staff in achieving established goals and participates in the development of branch strategy and business plans.
- Responsible for underwriting profitability growth and retention of new and renewal business, exercises underwriting authority, productivity, prioritization, balancing of workloads, and sound underwriting decisions of underwriters to achieve profit through quality risk selection and exposure control.
- Handles underwriting referrals exceeding the authority limits of their team members.
- Ensures individual authority grants for underwriters are established following a well-calibrated, objective, data-driven process.
- Collaborates with the Underwriting Operations Team and Territory Managers/Leaders, helping drive business development best practices in the underwriting environment, aligned to field operations.
- Partners with the QA underwriting function, utilizing findings to help develop underwriting acumen and decision making of the team.
- Works to increase the overall business and underwriting acumen of the team and its members through one-on-one interactions (e.g., reviewing underwriting decisions, answering questions, listening to phone calls).
- Performs talent management responsibilities including employee selection, performance management, coaching, and development, leading and navigating employee-related issues, employee morale and work environment.
- Manages priorities and workload distribution and removes barriers that impede progress.
- Completes all personnel, salary administration, and reporting duties.
- Remains current on industry topics, trends, methods (e.g., processes), best practices, etc.
- through research, industry events, networking, etc.
- , and shares knowledge gained with others.
- Learns basic concepts of commercial insurance and understand department workflow and processes as well as leads and manages production and support staff.
- Provides underwriting insights that support superior product innovation, development, and maintenance.
- Manages and achieves personal book of business goals and oversees and implements regional strategies.
- Reviews and evaluates regions new and renewal business based upon company underwriting guidelines, competition, and geographic focus. Fields questions from underwriting team members and internal and external customers seeking guidance on specific premiums and processes.
Job Qualifications
- 5-8 years of Underwriting experience. Bachelor's degree in a related field and/or commensurate experience.
Location
Hybrid – defined as working three or more days per week in the office if the employee’s residence is within 50 miles of Westfield Center, OH; or Remote – if the employee resides more than 50 miles from Westfield Center, OH.
Behavioral Competencies
- Directs work
- Collaborates
- Develops talent
- Customer focus
- Communicates effectively
- Ensures accountability
- Decision quality
- Business insight
- Nimble learning
- Builds effective teams Manages complexity
Technical Skills
- Property and Casualty Underwriting
- Compliance Management
- Risk Management
- Financial Controls
- Underwriting Strategy
- Customer Service Management
- Insurance Industry Knowledge
- Technical Documentation
- Commercial Lines Underwriting
- KPI Tracking
- Data Analysis and Reporting Account Management
This job description describes the general nature and level of work performed in this role. It is not intended to be an exhaustive list of all duties, skills, responsibilities, knowledge, etc. These may be subject to change and additional functions may be assigned as needed by management.
Underwriting Team Lead Jobs by Experience Level
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Find Underwriting Team Lead JobsUnderwriting Team Lead Job Market
Who's Hiring
Top Industries Hiring
- Banking & Financial Services
What Employers Look For
The qualifications that appear most often in underwriting team lead jobs.
- Five or more years of underwriting experience in a relevant line of business
- Proven experience supervising, mentoring, or managing a team of underwriters
- Strong knowledge of risk assessment, pricing models, and coverage guidelines
- Proficiency with underwriting platforms and policy administration systems
- CPCU, AU, or comparable professional insurance designation preferred
- Bachelor's degree in business, finance, risk management, or a related field
Tips for Your Underwriting Team Lead Job Search
Quantify your team's loss ratio outcomes
Hiring managers for underwriting team lead roles want to see portfolio-level results, not just task lists. Replace vague claims with figures showing how your team's decisions affected loss ratios, approval accuracy, or risk-adjusted premiums under your oversight.
Apply early to roles that fit
Migrate Mate lists underwriting team lead openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Tailor your resume to the line of business
Commercial property underwriting and mortgage underwriting require different technical backgrounds. Customize your resume to mirror the specific line of business in each posting, pulling terminology and risk categories directly from the job description.
Highlight cross-functional experience with actuarial and claims teams
Underwriting team lead roles increasingly require coordination with actuarial and claims departments. If you've co-led pricing reviews, exception committees, or joint audits, name those explicitly. Generalist leadership language won't differentiate you here.
Prepare a case study for the technical interview round
Many insurers and banks add a scenario-based round where you review a sample submission and defend an underwriting decision. Preparing two or three examples of edge-case risks you've declined, modified, or approved with unusual terms will make that round far easier.
Negotiate your authority level, not just your pay
Underwriting team leads often negotiate binding authority thresholds during the offer stage. Knowing what authority limits your current role carries and asking explicitly about expanded limits in a new role signals genuine leadership ambition and industry fluency.
Underwriting Team Lead Jobs: Frequently Asked Questions
Which companies are hiring the most underwriting team leads?
First National Bank, Jencap, and Berkley are hiring the most underwriting team leads right now, with openings concentrated in North Carolina, Arizona, and Maryland, based on current listings on Migrate Mate as of November 2026. Activity tends to be highest at regional carriers expanding commercial lines and at national insurers backfilling leadership after growth periods.
How many underwriting team lead jobs are remote?
About 60% of underwriting team lead openings are fully remote or hybrid as of November 2026, with remote availability highest in personal lines and mortgage underwriting where workflows are more standardized. Commercial specialty and excess-and-surplus lines roles more often require in-office presence due to broker relationship and referral committee expectations.
How do you become an underwriting team lead?
Most underwriting team leads move into the role after several years as a senior underwriter with a consistent record of sound risk decisions and informal mentorship of junior staff. Earning a professional designation such as the CPCU or AU strengthens your candidacy, as does volunteering for cross-functional projects that expose you to portfolio management, audit processes, and guideline development before you formally apply for a lead position.
Can you get hired as an underwriting team lead with limited leadership experience?
Yes, but you'll need to frame your candidacy carefully. Carriers hiring from within often accept candidates who've acted as a technical resource, led peer training sessions, or served as a point of escalation for complex referrals, even without a formal supervisory title. Smaller regional carriers and managing general agents are also more open to promoting strong individual contributors into first-time lead roles than large national insurers tend to be.
What does the underwriting team lead interview process look like?
Most insurers and banks run a two-to-three stage process for underwriting team lead roles. An initial screen with a recruiter or HR partner is followed by a technical interview with a senior underwriting manager, often including a risk scenario or file review exercise. Finalists typically meet with cross-functional partners from actuarial, claims, or distribution, and may be asked to present a short leadership philosophy or team development plan.
Where can I find and apply to underwriting team lead jobs?
You can find and apply to underwriting team lead jobs on Migrate Mate, which lists current openings from across the United States. Find roles that match your line-of-business background and seniority level, then apply directly to each listing from the page.
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