Underwriter

• Manage, coach, mentor, and develop a team of residential mortgage underwriters.
• Monitor underwriting pipelines and workload distribution to ensure timely loan decisions.
• Serve as a subject matter expert for underwriting guidelines and credit policy interpretation.
• Conduct performance evaluations and establish performance expectations and accountability measures.
• Ensure accurate and consistent underwriting decisions in accordance with agency, investor, and company guidelines.
• Review and approve complex, high-balance, exception, and escalated loan files.
• Provide guidance and support on challenging credit, income, asset, collateral, and compliance scenarios.
• Maintain a thorough understanding of underwriting guidelines for: Fannie Mae, Freddie Mac, FHA, VA, USDA, Jumbo and Non-QM products.
• Ensure compliance with federal and state lending regulations, including: RESPA, TILA/TRID, ECOA, Fair Lending requirements, HMDA, Anti-Money Laundering (AML) requirements.
• Partner with Sales and Operations leadership to balance production goals and credit risk.
• Evaluate and manage exception requests within delegated authority limits.
• Assist with recruiting, onboarding, training, and retention of underwriting staff.

Underwriting Manager

• Lead state filing operations- build, manage, and develop the team responsible for drafting, maintaining, and submitting Root’s rating rules, underwriting guidelines, forms, and related state-specific filing materials; set clear expectations for quality, timeliness, documentation, and market ownership.
• Drive operational excellence- establish disciplined operating rhythms, milestone plans, dependency tracking, and status visibility for filing revisions and implementations from intake through approval and launch; identify risks early and keep critical workstreams unblocked.
• Own filing submission execution- oversee the team responsible for preparation and submission of filings through online filing submission systems, ensuring filing packages are complete, internally aligned, accurately documented, and supported by appropriate state-specific context.
• Coordinate cross-functional delivery- manage across State Management, Actuarial, Product, Legal, Compliance, Underwriting, and other partner teams to ensure the right resources are engaged at the right time and accountable to shared execution timelines.
• Lead objection response operations- lead the team owning intake, triage, routing, tracking, and follow-up when Departments of Insurance issue objections; ensure responses are assigned to the appropriate subject matter experts, reviewed, and submitted within expected timeframes.
• Build state-specific filing expertise- develop and maintain the team’s practical knowledge of assigned states’ filing norms, regulatory expectations, objection patterns, implementation constraints, and approval timelines; use that expertise to inform filing strategy, sequencing, and stakeholder expectations.
• Improve documentation and controls- create frameworks, templates, quality checks, and durable documentation that improve consistency across filings, make market-specific decisions easier to audit, and allow the team to scale without losing accuracy or context.
• Develop and coach a high-performing team- hire, coach, prioritize, and provide feedback to team members; identify skill gaps, create development plans, and build the team’s capability in insurance documentation, regulatory process, operational rigor, and cross-functional communication.
• Communicate with clarity- translate complex filing status, risks, dependencies, and regulatory issues into concise updates for senior leaders and cross-functional partners, enabling timely decisions and effective tradeoffs across competing priorities.

Senior Manager, Underwriting

• Assess adherence to underwriting guidelines, determine the impact of any deficiencies, and develop recommendations for corrective actions.
• Prepare and present trend analysis reports, ensuring the analyses meet all enterprise and regulatory standards and effectively communicate insights to business leadership.
• Track completion of required assessments and follow up with business leadership to address any corrective actions, ensuring consistency in underwriting standards and quality.
• Contribute to the development of underwriting standards, practices, and tools that align with both portfolio and individual risk underwriting practices, including underwriting automation and rules, portfolio controls, and collaboration standards.
• Support and/or lead training sessions designed to improve underwriting quality.
• Assist with inquiries from Enterprise Underwriting, BI Underwriting, BI Product, Corporate Audit, Corporate Compliance, and state regulators regarding issues with assigned portfolio(s).
• Lead or participate in projects to improve quality assurance processes, technology, monitoring, analysis, and communication of results.
• Perform other duties as assigned.

Portfolio Manager, BI Loss Sensitive Underwriting Standards – Practices

• Under direct supervision, underwrites and assesses risk and makes recommendations for less complex accounts in a market segment.
• Establishes effective relationships with customers, agents and brokers.
• Develops consultative sales and marketing skills through their interaction with agents/brokers and via coaching from their manager.
• Develops negotiation skills through their interaction with agents/brokers and via coaching from their manager.
• Develops planning and organization skills necessary to effectively manage desk and assume a territory.
• Effectively collaborates with others on all aspects of job. Understands the need to seek enterprise-wide solutions to business problems.
• Takes initiative for personal development and seeks to learn through underwriting, marketing, and other related opportunities.
• Perform other duties as assigned.

Underwriting Professional Development Program, National Accounts

• Manages an assigned book of pharmacy business with accountability for profitable growth, persistency, and earnings performance.
• Conducts case-specific risk assessments and develops account-level pricing strategies.
• Leads rate development and customer negotiations in collaboration with Sales for complex pharmacy accounts.
• Develops, executes, and monitors account plans to drive growth and profitability.
• Analyzes market trends and competitive dynamics to deliver strategic recommendations on pricing and product positioning.
• Influences underwriting best practices and provides consultative input to matrix partners on product development and pricing strategy.

Pharmacy Risk & Underwriting Lead Analyst

• Directs effective product development, pricing and underwriting through managing all components of profit, loss, and expenses for our largest, and/or most complex product lines
• Achieves profitability and growth goals through the development and execution of annual strategic plan including specific underwriting, pricing, retention, service, and expense plans
• Analyzes book trends and manages catastrophe plans
• Analyzes data on competitors’ products, programs, and pricing levels
• Implements new pricing levels and product modifications
• Enhances existing products and programs
• Maintains a strong professional knowledge of regulatory and legal environments
• Communicates and acts on this information effectively
• Develops methods for building and mobilizing a technically competent and highly effective staff capable of meeting current and future needs of the corporation
• Ensures compliance with underwriting standards and authorities
• Has ultimate underwriting authority for the Surety line of business
• Directs underwriting decisions in compliance with state laws
• Directs in the creation of underwriting guidelines, product and coverage forms or system modifications
• Monitors corporate results, develops and implements actions as needed

Senior Underwriting Director - Contract Surety

• Analyze P&C Insurance policies for completion and to identify gaps in coverage
• Analyze loss runs/claims history and propose appropriate terms & conditions as necessary
• Complete commercial policy intake forms
• Conduct underwriting calls with clients to discuss uninsured, or underinsured risks, and obtain appropriate data for actuarial pricing
• Review policy renewal information, develop and underwrite a renewal position, and provide a quote summary with supporting documentation to be approved for sign-off
• Submit case files for risk analysis reporting, and actuarial pricing
• Review large amounts of information and raw data for accuracy
• Send underwriting documents to clients to support suggested eligible coverages for current policy year
• Explain definitions of Oxford’s various lines of coverages
• Review and coordinate with the Claims Department for underwriting sign-off

Underwriting Specialist

• Work with the CUO, Product/Engineering, Data Science, Actuarial, Claims, and the broader organization to build our Indigo’s Facilities offering, including UW Guidelines, Appetite Guides, Forms/Endorsements, and related materials
• Support the business in the production, selection, pricing, control, and servicing of insurance policies, and assists in developing and maintaining a scalable and repeatable underwriting process using Indigo’s model
• Analyze, evaluate, and make underwriting decisions in line with underwriting guidelines and recommendations, coordinating with other underwriting staff
• Manages and evaluates new business submissions, renewals, and policy change requests for the book of business
• Review contract wordings and act as signatory of insurance contracts
• Review, evaluate and report on loss activity
• Understands and complies with relevant state statutory regulations and requirements
• Collaborates with business development to build, strengthen, and manage relationships with agents/brokers
• Brings a curious mindset and motivation to better understand and apply a new, data driven approach to underwriting

AVP, Facilities Underwriting

• Under the direction of an Underwriter or Senior Underwriting Assistant
• Work to support the Underwriting workflow in the day-to-day servicing and processing of new business and renewal accounts.
• Daily communication with Underwriters and/or Senior Underwriters to ensure that tasks are being completed.
• Assist in audit preparation.
• Responsible for ensuring quality processing throughout the life cycle of a policy while building working relationships with internal and external teams.
• Maintains underwriting files by ensuring all relevant documents are included and appropriately filed/documented within System.
• Develop and maintain a strong working knowledge of underwriting guidelines, coverage forms, enhancements, rating plans and workflow.
• Follows up with Brokers and appropriate departments for outstanding subjectivities, loss run requests, inspections and other documentation as needed.
• Assist in the review of new and renewal submissions to determine if they meet underwriting criteria, and for completeness of documentation.
• Request and review incoming Broker of Record letters, as appropriate.
• Process non-renewals and cancellation letters and endorsements.
• Review, finalize and issue policies.
• Underwrite risks and assist the Underwriting team in accordance with the business plan and within delegated underwriting authority.

Underwriting Assistant

• Manage, mentor and coach Underwriters in technical and professional skills
• Supervise the underwriting operations while providing guidance to a team of Underwriters
• Monitor and report on portfolio performance and execute on strategic pricing and growth models
• Administer and ensure compliance with underwriting guidelines, rating rules and insurance regulations
• Work with Program Managers to strengthen and grow designated programs
• Partner with Sales Executives and Program Managers to ensure fluid communication and alignment
• Develop and maintain effective relationships with internal and external customers
• Create, coordinate and participate in underwriting training
• Foster an environment conducive to continuous improvement
• Solve for root cause problems and provide a resolution path
• Recommend and implement changes to improve workflow, productivity, growth, profitability and quality
• Monitor, manage and report on Service Level Agreement to key stakeholders
• Participate and ensure quality control process
• Obtain and understand market intel and trends
• Underwrite as needed; risk selection, pricing and coverage assessment based on underwriting guidelines
• Limited travel may be required

Underwriting Manager – Real Estate

• Own and actively grow a profitable book of inland marine and property business across the region
• Build and strengthen agency relationships to drive consistent, high-quality new business flow
• Evaluate risks, pricing, and coverage structures using experience and judgment, knowing when to lean in and when to walk away
• Analyze submissions, loss history, exposure changes, and external data to make informed, disciplined underwriting decisions
• Set pricing that reflects the risk, using advanced loss analysis and sound judgment aligned with company strategy
• Structure deals creatively when needed, using coverage features, deductibles, or reinsurance to meet both client and company goals
• Interpret policies and contracts clearly, providing guidance to brokers and internal partners, including claims when questions arise
• Meet in person with distribution partners a minimum of 5 times per month. These visits keep us close to market activity, sharpen our read on emerging trends, and ensure our partners understand where we're focused and why.
• Perform other duties as needed

Underwriting Director – Inland Marine, Property

• Provide support and assistance to surety underwriting staff by handling administrative and routine underwriting tasks.
• Assists in gathering routine underwriting data and prescreens underwriting information as requested by underwriter.
• Ensures proper completion of bond forms and compliance with state requirements and maintains account and bond files as directed.
• Assists with inputting financial work in progress data received from contractors, utilizing computerized underwriting systems.
• Assists with the pursuit of information from broker/agents, and miscellaneous administrative duties.
• Responsible for accurate premium registration and invoicing, coding, pricing and commission calculations.
• Responsible for performing technical support functions and coordinating resolutions of technical support problems in the office.
• Processes bid and final bond requests within underwriting authority limits established for the account with underwriter supervision.
• Research premium entry and premium collection problems. Reviews with underwriter or operations manager for proper resolution.
• Manages Accounts Receivables activities, tracks outstanding items, and prepares weekly status reports for the AVP, Surety Operations.

Surety Underwriting Assistant

• Underwrite individual life insurance cases, including impaired risk, with an anticipated independent approval authority of $3 million
• Analyze medical, financial, and non-medical information to make sound underwriting decisions within assigned authority
• Evaluate requirements as they are received and determine appropriate risk classification in accordance with underwriting guidelines
• Communicate underwriting decisions clearly and professionally to internal and external customers
• Build and maintain effective working relationships with key distributors, independent agents, BGAs, and internal sales partners
• Manage an assigned caseload while meeting production, quality, and time-service standards
• Partner with internal teams to support business objectives, case placement, and a positive customer experience
• Organize work effectively and deliver timely, accurate results in a fast-paced environment
• Perform other job duties as assigned

Underwriting Consultant

• Lead all underwriting operations and business performance for the Southwest Zone.
• Develop and execute regional business plans that deliver profitable premium growth while maintaining underwriting discipline.
• Own regional production, profitability, portfolio management, and service objectives.
• Monitor regional KPIs, submission flow, hit ratios, pricing adequacy, loss trends, and overall portfolio performance.
• Identify growth opportunities, market trends, and competitive dynamics to drive strategic decision making.
• Represent the Southwest Region with executive leadership and provide regular updates on performance, opportunities, and risks.
• Recruit, develop, mentor, and retain a high-performing underwriting team.
• Create a culture of accountability, collaboration, urgency, and underwriting excellence.
• Conduct regular coaching sessions, file reviews, performance evaluations, and career development discussions.
• Provide technical guidance and referral authority on complex, high-profile, or large casualty accounts.
• Ensure underwriting quality, pricing adequacy, and adherence to company underwriting guidelines.

Vice President, Southwest Zone Leader – Underwriting

• Lead all underwriting operations and business performance for the Northwest Zone.
• Develop and execute regional business plans that deliver profitable premium growth while maintaining underwriting discipline.
• Own regional production, profitability, portfolio management, and service objectives.
• Monitor regional KPIs, submission flow, hit ratios, pricing adequacy, loss trends, and overall portfolio performance.
• Identify growth opportunities, market trends, and competitive dynamics to drive strategic decision making.
• Represent the Northwest Region with executive leadership and provide regular updates on performance, opportunities, and risks.
• Recruit, develop, mentor, and retain a high-performing underwriting team.
• Create a culture of accountability, collaboration, urgency, and underwriting excellence.
• Conduct regular coaching sessions, file reviews, performance evaluations, and career development discussions.
• Establish clear underwriting expectations while reinforcing consistency, authority compliance, and execution.
• Provide technical guidance and referral authority on complex, high-profile, or large casualty accounts.
• Ensure underwriting quality, pricing adequacy, and adherence to company underwriting guidelines.
• Develop and strengthen executive-level relationships with key wholesale brokers and strategic distribution partners throughout the Northwest.

Vice President – Northwest Zone Leader, Underwriting

• Develop and execute the underwriting strategy for Seafarer's commercial marine portfolio.
• Establish underwriting guidelines, authority levels, pricing strategies, and risk selection standards.
• Maintain portfolio profitability while driving sustainable premium growth.
• Evaluate large, complex, and unique marine risks requiring executive underwriting authority.
• Monitor loss trends, market conditions, and emerging marine exposures.
• Oversee performance of the commercial marine book, including premium growth, retention, loss ratio, and profitability metrics.
• Partner with actuarial, claims, and carrier partners to optimize underwriting results.
• Identify opportunities to expand product offerings, market segments, and geographic reach.
• Lead portfolio reviews and underwriting audits.
• Lead, mentor, and develop a high-performing underwriting team.
• Provide coaching on underwriting analysis, risk assessment, broker negotiations, and portfolio management.
• Participate in recruitment, hiring, onboarding, and succession planning initiatives.
• Build and maintain strategic relationships with retail and wholesale brokers nationwide.
• Represent Seafarer at industry conferences, broker meetings, and marine industry events.
• Partner with executive leadership to identify new marine products and market opportunities.

Head of Commercial Marine Underwriting

• Own and actively grow a profitable book of inland marine and property business across the region
• Build and strengthen agency relationships to drive consistent, high-quality new business flow
• Evaluate risks, pricing, and coverage structures using experience and judgment, knowing when to lean in and when to walk away
• Analyze submissions, loss history, exposure changes, and external data to make informed, disciplined underwriting decisions
• Set pricing that reflects the risk, using advanced loss analysis and sound judgment aligned with company strategy
• Structure deals creatively when needed, using coverage features, deductibles, or reinsurance to meet both client and company goals
• Interpret policies and contracts clearly, providing guidance to brokers and internal partners, including claims when questions arise
• Mentor and provide guidance to junior underwriters, supporting their development and strengthening team underwriting capabilities
• Meet in person with distribution partners a minimum of 5 times per month

Underwriting Director – Inland Marine & Property

• Act as the "Central Nervous System" of high-value underwriting ecosystem
• Optimize the automation engine for the largest small-business credit lines
• Partner with a dedicated engineering squad
• Orchestrate the end-to-end document collection and data pipeline
• Automate client outreach and optimize the Ease intake portal
• Route critical financial data straight to underwriters
• Maximize efficiency and build intelligent workflow to reduce underwriting turnaround times

Manager, Product Management – Underwriting, Business Cards & Payments

• Responsible for driving underwriting strategy, portfolio performance, and risk selection across assigned geographic regions.
• Collaborates with state management, pricing, product, capital management, compliance, and underwriting operations to implement underwriting actions that optimize profitability, mitigate adverse selection, and enhance long term member value.
• Responsible for data driven decision making, leveraging a strong working knowledge of product management fundamentals and the ability to influence outcomes across diverse business partners.
• Monitors the book of business in assigned region, including new and inforce business mix, risk attributes, and channel patterns, enabling early identification of adverse selection or shifts in risk quality.
• Evaluates modeled results and portfolio risk drivers across the book of business understanding the underlying loss expectations, drivers of severity/frequency, and modeled financial impacts for assigned states.
• Recommends and leads the implementation of targeted underwriting action to support improvements in profitability, retention, lifetime value, and member experience.
• Partners with regional state management teams to understand market conditions, state strategies, and business objectives.
• Recommends state specific underwriting actions that balance growth, risk, and member experience.
• Collaborates with pricing, product management, compliance, and capital management to ensure alignment on underwriting recommendations and business impacts.
• Partners with the Underwriting Strategy & Capabilities team to identify and prioritize future capability needs, analytic enhancements, automation opportunities, and rule refinements.
• Supports the development or refinement of underwriting guidelines, eligibility criteria, and referral frameworks.
• Assists in managing portfolio expenses by monitoring effective financial and resource management of assigned portfolio.
• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

P&C Regional Portfolio Underwriting Director

• Support Underwriters through account management and policy processing activities
• Process new business, renewals, endorsements, cancellations, and reinstatements in accordance with company guidelines
• Maintain organized electronic files and policy documentation
• Review and enter policy information into underwriting systems to ensure accuracy and completeness
• Issue policies, endorsements, and related documents in accordance with company procedures
• Provide exceptional customer service to clients
• Serve as the first point of contact for customer inquiries during the account life cycle
• Handle correspondence for additional account information
• Assist producers via email and phone calls
• Order loss runs requested by agents and insureds and send via fax, email, or mail
• Prepare and mail claims kits and marketing materials requested by agents and insureds

Underwriter jobs in United States

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Underwriting Manager

Senior Manager, Underwriting

Portfolio Manager, BI Loss Sensitive Underwriting Standards – Practices

Underwriting Professional Development Program, National Accounts

Pharmacy Risk & Underwriting Lead Analyst

Senior Underwriting Director - Contract Surety

Underwriting Specialist

AVP, Facilities Underwriting

Underwriting Assistant

Underwriting Manager – Real Estate

Underwriting Director – Inland Marine, Property

Surety Underwriting Assistant

Underwriting Consultant

Vice President, Southwest Zone Leader – Underwriting

Vice President – Northwest Zone Leader, Underwriting

Head of Commercial Marine Underwriting

Underwriting Director – Inland Marine & Property

Manager, Product Management – Underwriting, Business Cards & Payments

P&C Regional Portfolio Underwriting Director

Underwriting Assistant