Commercial Surety Underwriter

Skyward Specialty Insurance

Transactional Surety Underwriter responsible for underwriting and managing a portfolio of transactional surety bonds. Collaborating with agency partners to drive growth and profitability in the surety business.

Posted 6/26/2026full-timeRemote • 🇺🇸 United StatesJuniorMid-Level💰 $90,000 - $130,000 per yearWebsite

About the role

Key responsibilities & impact

Evaluate and underwrite transactional commercial surety submissions, including but not limited to motor vehicle dealer (MVD), license & permit, subdivision, court, contract-related transactional, mortgage broker, and specialty bonds.
Analyze financial statements, credit reports, and supporting documentation to assess risk and determine appropriate terms, conditions, and pricing.
Apply underwriting authority to approve, decline, or modify submissions in alignment with company guidelines and risk appetite.
Ensure compliance with internal underwriting standards, regulatory requirements, and state-specific bond obligations.
Manage a high volume of transactional submissions while maintaining strong turnaround times and service levels.
Monitor and manage a book of business to ensure profitability, retention, and appropriate risk diversification.
Identify opportunities for cross-selling and account expansion within existing agency relationships.
Build and maintain strong relationships with agency partners to drive submission flow and grow market share.
Communicate underwriting decisions effectively, including providing clear rationale and alternative solutions when appropriate.
Negotiate terms, pricing, and commission structures to remain competitive while maintaining underwriting discipline.
Act as a market-facing representative to support agency growth and retention initiatives.
Support new business development efforts by identifying target agencies and producers within the transactional surety space.
Participate in agency visits, industry events, and networking opportunities to strengthen relationships and increase brand presence.
Maintain accurate documentation and records within underwriting systems.
Ensure timely issuance of bonds, endorsements, renewals, and cancellations.
Partner with internal teams (claims, legal, compliance, operations) as needed to support business objectives.

Requirements

What you’ll need

2+ years of experience in commercial surety underwriting, with a focus on transactional business required
Established relationships within the surety agency/broker community required
Proven experience underwriting a broad range of bond types (e.g., MVD, subdivision, license & permit, court, contractor-related transactional, specialty bonds)
Strong understanding of credit analysis, risk assessment, and financial statement review
Demonstrated ability to manage high submission volume while maintaining underwriting discipline
Experience negotiating terms, pricing, and commissions in a competitive marketplace
Knowledge of state-specific bonding requirements and regulatory environment preferred

Benefits

Comp & perks

Health and welfare benefits
Tuition and professional certification assistance
401k savings
Elective participation in the Employee Stock Purchase Program
Paid time off
Paid holidays
Child bonding leave
Other employee assistance

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

commercial surety underwritingcredit analysisrisk assessmentfinancial statement reviewnegotiating termspricingcommission structurestransactional submissionsbond issuancedocumentation management

Soft Skills

relationship buildingcommunicationnegotiationtime managementservice orientationproblem-solvingcross-sellingaccount expansioncollaborationorganizational skills