Underwriter Jobs in USA with Visa Sponsorship
Underwriter roles frequently qualify for H-1B visa and other work visa sponsorships due to their specialized nature requiring bachelor's degrees in finance, economics, or related fields. Insurance companies, banks, and financial institutions regularly sponsor underwriters, particularly for commercial lines, mortgage underwriting, and risk assessment positions. For detailed occupation requirements, see the O*NET profile.
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Get Access To All JobsINTRODUCTION
We are currently seeking a talented Mortgage Underwriter to join our growing team. This will be a work from home position. All applicants must reside within the State of Texas and have the capability of performing all of the work from their home in Texas.
ROLE AND RESPONSIBILITIES
The Mortgage Underwriter will be responsible for underwriting mortgage loans and home equity loans ensuring compliance with appropriate portfolio and/or secondary market guidelines. They will examine loan documentation for accuracy and completeness and analyze and assess loan information to render an unbiased lending decision for credit worthiness. In addition, they will provide cross sell recommendations as warranted, maintain service level agreement turn-times, and refer loans outside of approving limits to management for approval.
Essential Functions & Responsibilities:
- Loan Application – Review for accuracy and completeness. Provide Loan Officers and Processors feedback for training purposes.
- Title – Review title commitments/searches to ensure vesting matches the loan.
- Credit Analysis – Analyze the borrower’s willingness and ability to repay the mortgage debt. This includes review of credit reports, income verification, tax return analysis and consideration of other compensating factors.
- Appraisal – Evaluate appraisal or other valuation methodology to determine suitability for loan collateral. Assist with resolving appraisal review concerns when warranted.
- Compliance – Ensure all fair lending and mortgage regulatory policies are followed.
- All other duties as assigned (note: essential functions and responsibilities may change or new ones may be assigned at any time with or without notice).
BASIC QUALIFICATIONS
- High School Diploma/GED
- 1-3 years of job related work experience
- Proficient analytical skills and mortgage lending regulation knowledge
- Excellent verbal and written communication skills
- Strong organizational skills to perform multiple tasks
- Ability to meet production, quality and service standards along with providing coaching and feedback to ensure loan quality
- Demonstrated experience in real estate lending regulations including but not limited to TILA, RESPA, HMDA, ECOA and Flood Disaster Protection Act
- Working knowledge of Fannie Mae Desktop Underwriting and PMI underwriting guidelines
- Home Equity Lending experience
- Capable and experienced in manual credit risk evaluation
- Experience with Microsoft applications and Internet navigation
PREFERRED QUALIFICATIONS
- Underwriting designations such as CRU, ARU, DE or SAR
- Experience with Encompass LOS
- Some College/Associate's Degree
All qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, disability, veteran status, or other legally protected status.
INTRODUCTION
We are currently seeking a talented Mortgage Underwriter to join our growing team. This will be a work from home position. All applicants must reside within the State of Texas and have the capability of performing all of the work from their home in Texas.
ROLE AND RESPONSIBILITIES
The Mortgage Underwriter will be responsible for underwriting mortgage loans and home equity loans ensuring compliance with appropriate portfolio and/or secondary market guidelines. They will examine loan documentation for accuracy and completeness and analyze and assess loan information to render an unbiased lending decision for credit worthiness. In addition, they will provide cross sell recommendations as warranted, maintain service level agreement turn-times, and refer loans outside of approving limits to management for approval.
Essential Functions & Responsibilities:
- Loan Application – Review for accuracy and completeness. Provide Loan Officers and Processors feedback for training purposes.
- Title – Review title commitments/searches to ensure vesting matches the loan.
- Credit Analysis – Analyze the borrower’s willingness and ability to repay the mortgage debt. This includes review of credit reports, income verification, tax return analysis and consideration of other compensating factors.
- Appraisal – Evaluate appraisal or other valuation methodology to determine suitability for loan collateral. Assist with resolving appraisal review concerns when warranted.
- Compliance – Ensure all fair lending and mortgage regulatory policies are followed.
- All other duties as assigned (note: essential functions and responsibilities may change or new ones may be assigned at any time with or without notice).
BASIC QUALIFICATIONS
- High School Diploma/GED
- 1-3 years of job related work experience
- Proficient analytical skills and mortgage lending regulation knowledge
- Excellent verbal and written communication skills
- Strong organizational skills to perform multiple tasks
- Ability to meet production, quality and service standards along with providing coaching and feedback to ensure loan quality
- Demonstrated experience in real estate lending regulations including but not limited to TILA, RESPA, HMDA, ECOA and Flood Disaster Protection Act
- Working knowledge of Fannie Mae Desktop Underwriting and PMI underwriting guidelines
- Home Equity Lending experience
- Capable and experienced in manual credit risk evaluation
- Experience with Microsoft applications and Internet navigation
PREFERRED QUALIFICATIONS
- Underwriting designations such as CRU, ARU, DE or SAR
- Experience with Encompass LOS
- Some College/Associate's Degree
All qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, disability, veteran status, or other legally protected status.
See all 534+ Underwriter Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new Underwriter roles.
Get Access To All JobsTips for Finding Underwriter Jobs
Target specialized underwriting roles
Commercial underwriters, mortgage underwriters, and specialty lines positions have stronger sponsorship prospects than general consumer underwriting roles due to increased complexity and specialization requirements.
Highlight relevant certifications
Professional designations like CPCU, AU, or FLMI strengthen your H-1B petition by demonstrating specialized knowledge beyond basic degree requirements for underwriting positions.
Focus on large financial institutions
Major insurance companies, banks, and reinsurance firms have established immigration departments and regularly sponsor underwriters compared to smaller regional insurers or brokerages.
Emphasize analytical complexity
Frame your role around complex risk modeling, financial analysis, and specialized underwriting guidelines rather than routine application processing to strengthen specialty occupation arguments.
Consider related finance roles
Risk analyst, credit analyst, and actuarial positions at the same companies often have similar sponsorship rates and may offer alternative pathways into underwriting.
Time applications strategically
Many insurance companies begin hiring cycles in January and July to align with policy renewals, creating better sponsorship opportunities during these periods.
Frequently Asked Questions
Do underwriters qualify for H-1B visas?
Yes, underwriter positions typically qualify for H-1B visas as specialty occupations requiring bachelor's degrees in finance, economics, business, or related fields. The role's analytical nature and specialized knowledge requirements align well with H-1B criteria, especially for commercial underwriting positions.
Which companies sponsor underwriters most frequently?
Large insurance companies like AIG, Zurich, and Liberty Mutual regularly sponsor underwriters, along with major banks offering insurance products. Reinsurance companies and specialty insurers also frequently sponsor due to their need for specialized underwriting expertise in niche markets.
How to find Underwriter jobs with visa sponsorship?
To find Underwriter jobs with visa sponsorship, use Migrate Mate, which specializes in connecting international candidates with sponsoring employers. Focus on insurance companies, banks, mortgage lenders, and financial services firms that commonly hire underwriters and offer H-1B or other work visas. These employers often need skilled underwriters and are willing to sponsor qualified international candidates.
What degree do I need for underwriter visa sponsorship?
A bachelor's degree in finance, economics, business administration, mathematics, or related quantitative field is typically required. Some employers accept degrees in other fields if combined with relevant underwriting certifications or significant insurance industry experience demonstrating specialized knowledge.
How competitive is H-1B sponsorship for underwriters?
Underwriter roles have moderate H-1B success rates, with commercial and specialty lines underwriters having stronger cases than personal lines positions. The specialized nature of underwriting, particularly in complex commercial risks, helps differentiate these roles from more generic business positions.
Can underwriters get E-3 or TN visas instead of H-1B?
Australian underwriters can pursue E-3 visas with the same degree requirements as H-1B. Canadian and Mexican underwriters may qualify for TN visa status under the "Economist" category if their role involves significant economic analysis and forecasting components beyond standard underwriting duties.
What is the prevailing wage requirement for sponsored Underwriter jobs?
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.