Underwriter Visa Sponsorship Jobs in California
California is one of the most active states for underwriter visa sponsorship, with demand concentrated in the San Francisco Bay Area, Los Angeles, and Sacramento. Major insurers and financial institutions including Zurich, Chubb, and AIG maintain significant underwriting operations here, hiring across commercial, mortgage, and specialty lines.
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At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates’ physical, emotional, and financial wellness through affordable, competitive and flexible benefits. We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve. Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!
JOB DESCRIPTION:
As an Underwriter on the Global Commercial Banking credit team, you will be responsible for underwriting loans and related credit exposure for a portfolio of middle market companies across a broad range of industries with annual revenues ranging from $50 million to $2 billion in the Southern California Region. Working in close partnership with Relationship Management, Risk, Debt Capital Markets, Investment Banking and other product teams, you will analyze lending opportunities, structure transactions and perform ongoing portfolio monitoring. You will report to a Senior Credit Manager and work day-to-day with a team of Credit Officers, fellow Underwriters and Credit Analysts.
Responsibilities:
- Partner with credit teammates, relationship management and product teams to develop strategic debt financing solutions
- Employ credit and accounting knowledge to structure bilateral and syndicated loans aligned with client needs and bank risk parameters
- Analyze ancillary credit exposure for treasury, rates and foreign exchange products
- Perform due diligence and dynamic risk assessments of borrowers, industries and transactions
- Create credit approval packages and own the credit approval process from initiation through final decision
- Construct detailed financial cash flow and repayment models, including sensitivity analyses
- Complete enterprise value (discounted cash flow), pricing, returns and risk rating models
- Ensure adherence to regulatory and internal policies and procedures
- Exercise approval authority for certain credit actions
- Present well-supported opportunities to credit and risk leadership
- Partner with internal and external legal partners to produce loan documentation
- Oversee quarterly monitoring exercises and requirements, including covenant compliance
SKILLS:
- Loan Underwriting
- Financial Statement Analysis
- Financial Forecasting and Modeling
- Credit and Risk Assessment
- Capital Structuring
- Credit Documentation
- Multitasking and Prioritization
- Attention to Detail
REQUIRED QUALIFICATIONS:
- BA/BS degree required
- 5+ Years of Commercial Banking (Middle Market, Large Corporate or Leveraged Finance) underwriting experience
- Proficiency in accounting principles, financial statement analysis and financial modeling
- Solid foundation in credit analysis, including evaluation of business risk, industry trends and capital structures
- Understanding of credit documentation, including term sheets, credit agreements and ancillary agreements (e.g. security, guarantee and intercreditor agreements)
- Strong written and verbal communication skills
- Excellent attention to detail and commitment to accuracy
- Ability to work in a fast paced, deadline driven environment
- Ability to juggle and prioritize multiple transactions and responsibilities at a time
DESIRED QUALIFICATIONS:
- Experience with the syndicated loan execution process
- Familiarity with asset-based lending, leasing, treasury and other commercial banking lines of business
- Capability to interact confidently and negotiate with clients
SHIFT:
1st shift (United States of America)
HOURS PER WEEK:
40
About us:
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates’ physical, emotional, and financial wellness through affordable, competitive and flexible benefits. We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve. Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!
JOB DESCRIPTION:
As an Underwriter on the Global Commercial Banking credit team, you will be responsible for underwriting loans and related credit exposure for a portfolio of middle market companies across a broad range of industries with annual revenues ranging from $50 million to $2 billion in the Southern California Region. Working in close partnership with Relationship Management, Risk, Debt Capital Markets, Investment Banking and other product teams, you will analyze lending opportunities, structure transactions and perform ongoing portfolio monitoring. You will report to a Senior Credit Manager and work day-to-day with a team of Credit Officers, fellow Underwriters and Credit Analysts.
Responsibilities:
- Partner with credit teammates, relationship management and product teams to develop strategic debt financing solutions
- Employ credit and accounting knowledge to structure bilateral and syndicated loans aligned with client needs and bank risk parameters
- Analyze ancillary credit exposure for treasury, rates and foreign exchange products
- Perform due diligence and dynamic risk assessments of borrowers, industries and transactions
- Create credit approval packages and own the credit approval process from initiation through final decision
- Construct detailed financial cash flow and repayment models, including sensitivity analyses
- Complete enterprise value (discounted cash flow), pricing, returns and risk rating models
- Ensure adherence to regulatory and internal policies and procedures
- Exercise approval authority for certain credit actions
- Present well-supported opportunities to credit and risk leadership
- Partner with internal and external legal partners to produce loan documentation
- Oversee quarterly monitoring exercises and requirements, including covenant compliance
SKILLS:
- Loan Underwriting
- Financial Statement Analysis
- Financial Forecasting and Modeling
- Credit and Risk Assessment
- Capital Structuring
- Credit Documentation
- Multitasking and Prioritization
- Attention to Detail
REQUIRED QUALIFICATIONS:
- BA/BS degree required
- 5+ Years of Commercial Banking (Middle Market, Large Corporate or Leveraged Finance) underwriting experience
- Proficiency in accounting principles, financial statement analysis and financial modeling
- Solid foundation in credit analysis, including evaluation of business risk, industry trends and capital structures
- Understanding of credit documentation, including term sheets, credit agreements and ancillary agreements (e.g. security, guarantee and intercreditor agreements)
- Strong written and verbal communication skills
- Excellent attention to detail and commitment to accuracy
- Ability to work in a fast paced, deadline driven environment
- Ability to juggle and prioritize multiple transactions and responsibilities at a time
DESIRED QUALIFICATIONS:
- Experience with the syndicated loan execution process
- Familiarity with asset-based lending, leasing, treasury and other commercial banking lines of business
- Capability to interact confidently and negotiate with clients
SHIFT:
1st shift (United States of America)
HOURS PER WEEK:
40
Underwriter Job Roles in California
See all 54+ Underwriter Jobs in California
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Search Underwriter Jobs in CaliforniaUnderwriter Jobs in California: Frequently Asked Questions
Which companies sponsor visas for underwriters in California?
Large national and global carriers with California operations are the most consistent sponsors for underwriter roles. Companies like Zurich North America, Chubb, AIG, Travelers, and several Lloyd's syndicates with U.S. offices have filed H-1B visa Labor Condition Applications for underwriting positions. Regional specialty insurers focused on technology, life sciences, and entertainment industries also sponsor, particularly in the Bay Area and Los Angeles markets.
Which visa types are most common for underwriter roles in California?
The H-1B is the most common visa category for underwriters in California, as the role typically requires at least a bachelor's degree in finance, business, economics, or a related field, meeting the specialty occupation standard. Candidates with relevant degrees from Canadian or Mexican institutions may qualify under TN visa status. Underwriters with extraordinary recognition in their specialty may explore the O-1 visa, though that path is uncommon for most applicants.
Which cities in California have the most underwriter sponsorship jobs?
San Francisco and the broader Bay Area generate the highest volume of underwriter sponsorship activity, driven by concentration of technology companies requiring specialized tech and cyber liability underwriting. Los Angeles follows closely, with strong demand in entertainment, real estate, and commercial lines. Sacramento sees activity in mortgage and agricultural underwriting given its role as the state capital and proximity to Central Valley agribusiness.
How to find underwriter visa sponsorship jobs in California?
Migrate Mate filters job listings specifically by visa sponsorship availability, making it easier to identify California underwriter roles where employers are open to sponsoring. Rather than sorting through general job listings, you can browse underwriter positions already tagged for sponsorship in California markets including San Francisco, Los Angeles, and Sacramento, focusing your search on companies with an established pattern of H-1B filings in insurance and financial services.
Are there any California-specific considerations for underwriters seeking visa sponsorship?
California's Department of Insurance regulates certain underwriting activities, and some roles require state-specific licensing that can add a step for internationally trained candidates. The state's concentration in technology, entertainment, and life sciences creates demand for specialty underwriters that may be harder to fill domestically, which can make employers more willing to sponsor in those niches. Prevailing wage requirements for H-1B filings in the Bay Area are among the highest in the country, which employers factor into sponsorship decisions.
What is the prevailing wage for sponsored underwriter jobs in California?
U.S. employers sponsoring a visa must pay at least the prevailing wage, which is what workers in the same role, area, and experience level typically earn. The Department of Labor sets this rate to make sure companies aren't hiring foreign workers simply because they'd accept lower pay than a U.S. worker. It varies by job title, location, and experience. You can look up current prevailing wage rates for any occupation and location using the OFLC Wage Search page.