Underwriter Job Description (Responsibilities, Skills, Duties & Sample Template)

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If you’ve Googled “underwriter job description,” you’ve probably seen dozens of articles. But here’s the problem: most of them are just generic lists of bullet points. No context. No real explanation. No insight into what actually attracts great underwriters.

And that’s a missed opportunity—because a job description isn’t just a checklist. It’s a pitch. It’s your first chance to connect with the right candidate—someone sharp, detail-oriented, and capable of making sound decisions under pressure.

Yet most job posts for underwriters feel like they were copied from a 2006 HR manual.

If you want your job post to actually work—not just exist—you need to approach it differently. You need to explain what the job really is, what success looks like, and why your company is worth joining.

In this guide, we’ll show you exactly how to do that:

  • We’ll break down what an underwriter actually does (in plain English)

  • Show you two great job description templates you can use today

  • Explain why these templates work (so you can write your own confidently)

  • And even walk you through a few easy upgrades that can help your job post stand out

Before we get into examples, if you haven’t already, check out our full guide on how to write a job post that attracts top talent , Link https://workscreen.io/how-to-write-a-job-post/. It walks through everything you need to know—from structure to tone to candidate psychology.

Now, let’s get clear on what this role is really about.

Build a winning team—without the hiring headache. WorkScreen helps you hire fast, confidently, and without second-guessing.

What An Underwriter Actually Does - Their Roles

An underwriter isn’t just someone who “reviews applications.” At its core, underwriting is about making smart, calculated decisions that help protect the company from financial risk.

Here’s a simple way to think about it:

An underwriter evaluates applications—like for loans, insurance, or investments—and decides whether to approve them, reject them, or request more information.

But the real job is more than checking boxes. A good underwriter:

  • Knows how to balance risk and opportunity

  • Understands financial data and regulatory rules

  • Communicates clearly with internal teams and sometimes clients

  • Stays calm under pressure and knows how to explain complex decisions with clarity

Whether they’re working in insurance, real estate, banking, or finance, underwriters play a critical role in making sure your company is protected—and profitable.

That’s why hiring the right person for this role matters so much. You don’t just need someone who’s qualified. You need someone thoughtful, responsible, and sharp.

Two Great Underwriter Job Description Templates

✅ Option 1: Experienced Underwriter Job Description (Culture-First Style)

📌 Job Title: Commercial Insurance Underwriter at Oakbridge Risk Partners (Remote – US-Based)
💼 Full-Time | Remote | $70,000–$85,000/year (based on experience)
🕒 Schedule: Monday–Friday | Standard business hours

🎥 Meet Your Hiring Manager
Before you scroll further, take a minute to watch this short Loom video from our hiring lead, Ryan — where he explains who we are, what we value, and what we’re looking for in this role.
👉 [Insert Loom Video Link]

🏢 Who We Are

Oakbridge Risk Partners is a rapidly growing insurance agency that specializes in commercial coverage for independent contractors, startups, and small logistics businesses across the U.S. We started in 2016 with a single client and a big belief: that small businesses deserve access to smart, personalized coverage—without getting buried in paperwork or corporate red tape.

Today, we support over 3,000 clients nationwide and have built a team of underwriting pros who combine sharp analysis with real-world empathy. Our culture is fast-paced but grounded in trust, ownership, and doing the right thing—even when it’s hard.

🌟 Our Culture

We value clarity over jargon, ownership over hierarchy, and progress over perfection. You’ll be joining a small team of thinkers and doers who genuinely enjoy solving hard problems together—and who trust each other to get the job done right.

🔍 What You’ll Be Doing

  • Review and evaluate commercial insurance applications (primarily general liability and property policies)

     

  • Analyze financial statements, claims histories, and loss runs to assess risk

     

  • Decide coverage terms, limits, and pricing recommendations

     

  • Collaborate with brokers and internal account managers to clarify missing information

     

  • Log and document decisions using our custom underwriting system

     

  • Flag exceptions and participate in weekly underwriting review sessions

     

🎯 What We’re Looking For

  • 2+ years of commercial underwriting experience

     

  • Strong written and verbal communication skills

     

  • Deep understanding of risk evaluation practices in small business insurance

     

  • Comfortable making independent decisions in a fast-paced environment

     

  • Detail-oriented, curious, and coachable

     

🎁 Perks & Benefits

  • 💻 Fully remote work setup with flexible hours

     

  • 🏥 Health, dental & vision insurance

     

  • 🌴 15 paid vacation days + 10 public holidays

     

  • 💸 Annual professional development stipend ($1,500/year)

     

  • 📈 Annual performance-based bonus

     

  • 💼 Company-paid E&O and licensing renewals

     

💡 Why This Role Is a Great Fit

You won’t be buried in red tape here. We’re small, agile, and focused. If you love solving underwriting puzzles, enjoy ownership over your decisions, and want to grow alongside a sharp, mission-driven team—you’ll feel right at home at Oakbridge.

📥 How to Apply

We use WorkScreen to help us evaluate applicants fairly—based on how they think and solve real-world scenarios. Résumés are just one part of the story.

👉 [Insert WorkScreen Apply Link]

Once you apply, we’ll review your evaluation and follow up within one week. We respect your time and promise no ghosting.

✅ Option 2: Entry-Level Underwriter Job Description (Willing to Train)

📌 Job Title: Junior Underwriter – Property Insurance Division at HarborPoint Mutual (In-Office – Nashville, TN)
💼 Full-Time | On-site | $45,000–$55,000/year
🕒 Schedule: Monday–Friday | 8AM–5PM

🎥 Hear From Our Team
Click here to watch a short video from our Training Manager, Lisa, on why this role is a great entry point into underwriting and what it’s like working at HarborPoint.
👉 [Insert Loom Video Link]

🏢 Who We Are

HarborPoint Mutual is a regional insurance provider serving homeowners, rental property investors, and commercial real estate owners across the Southeast. Since 1993, we’ve built our reputation around being hands-on, responsive, and community-minded.

We’re proud to offer a different kind of underwriting career—one built on mentorship, growth, and clarity. We train our junior underwriters to think critically, communicate clearly, and work with both data and people. If you’re driven, curious, and ready to learn—we’ll invest in your growth every step of the way.

🌟 Our Culture

Our team is made up of former agents, underwriters, and claims professionals who all believe in collaboration, ownership, and open-door learning. At HarborPoint, we promote from within, celebrate small wins, and support each other like family.

🔍 What You’ll Be Doing

  • Assist senior underwriters with property application reviews

     

  • Gather and organize supporting documentation

     

  • Flag risks and incomplete files for review

     

  • Attend weekly training sessions on underwriting policy and pricing strategy

     

  • Communicate with brokers and agents as you build confidence

     

  • Prepare case summaries and participate in evaluation meetings

     

🎯 What We’re Looking For

  • Bachelor’s degree or equivalent professional mindset

     

  • Strong attention to detail and comfort with numbers

     

  • Willingness to learn and ask questions

     

  • Friendly, proactive communication skills

     

  • Interest in insurance, finance, or real estate
    No prior underwriting experience needed—we’ll train you.

     

🎁 Perks & Benefits

  • 🧠 Paid 8-week onboarding and mentorship program

     

  • 🏥 Health, dental & vision insurance

     

  • 🌴 12 paid vacation days + company holidays

     

  • 📚 Tuition reimbursement for industry certifications (CPCU, AU)

     

  • 🚗 Free downtown parking + commuter stipend

     

  • ☕ Onsite coffee, snacks, and learning lunch events

     

💡 Why This Role Is a Great Fit

This is more than a job—it’s a launchpad. If you’re looking for a place to build a long-term career in insurance, HarborPoint will help you grow from the ground up. You’ll gain practical experience, hands-on mentorship, and a front-row seat to what underwriting really looks like.

📥 How to Apply

We use WorkScreen to evaluate candidates based on real potential, not just experience. You’ll go through a short task to help us understand how you think and communicate.

👉 [Insert WorkScreen Apply Link]

We’ll review every application thoughtfully and get back to you quickly. No black hole of resumes. Just real feedback.

WorkScreen simplifies the hiring process, helping you quickly identify top talent while eliminating low-quality applications. By saving you countless hours and reducing the risk of bad hires, it empowers you to build a team that delivers results

Breakdown of Why These Underwriter Job Posts Work

Now that you’ve seen two real-world underwriter job descriptions—one for experienced hires and one for entry-level—you might be wondering: what makes these job posts actually effective?

Let’s break it down:

✅ 1. The Job Titles Are Clear, Specific, and Purpose-Driven

Instead of saying “Underwriter,” both titles specify:

  • The specialty (e.g., Commercial Insurance or Property Insurance)
  • The company name (adds trust and identity)
  • The work setup (remote or on-site)

This immediately tells candidates if the role fits their background and preferences—and helps you filter better from the start.

✅ 2. The Introduction Speaks to the Right Person

Each job post opens with a human message—not a wall of text. It either:

  • Offers a video to personalize the hiring experience
  • Or makes a clear promise to people who are often overlooked (like smart candidates without direct experience)

This hooks the reader emotionally. You’re not just listing tasks—you’re pitching the why.

✅ 3. The “About Us” Sections Build Trust and Interest

Unlike generic blurbs, the company intros:

  • Tell a story (how the company started, what it believes, who it serves)
  • Highlight values that matter to underwriters (clarity, ownership, respect)
  • Give candidates a reason to care beyond the paycheck

These sections are short, specific, and full of character—which makes your brand stand out.

✅ 4. Responsibilities Are Written Like Outcomes, Not Tasks

Instead of listing chores, each responsibility explains:

  • What the candidate will actually do
  • Why it matters to the company

For example, saying “Make coverage recommendations that balance risk and opportunity” is stronger than just “Assess insurance applications.” It communicates judgment, impact, and autonomy.

✅ 5. Qualifications Are Balanced and Inclusive

Rather than building a wall of “must-haves,” these job posts:

  • Focus on essential skills and mindset
  • Use language like “interest in” or “we’ll train you” to open the door for high-potential applicants
  • Clearly separate required skills from nice-to-haves

This approach expands your talent pool while still setting expectations.

✅ 6. Perks & Benefits Are Transparent and Motivating

Instead of hiding compensation behind HR walls, both posts:

  • Share a salary range upfront
  • Include meaningful perks (e.g. mentorship, paid certification, performance bonuses)
  • List real benefits that matter to thoughtful professionals

This builds credibility and attracts serious, qualified candidates who are evaluating you too.

✅ 7. The Application Process Is Respectful and Modern

Both job posts:

  • Explain what happens after someone applies
  • Emphasize fair evaluation through WorkScreen, not résumé bias
  • Set a response timeline and promise clarity

That alone builds more trust than 90% of job posts out there.

✅ 8. The Call to Action is Thoughtful, Not Transactional

These job descriptions don’t end with “Click here to apply.” Instead, they:

  • Encourage the right kind of people to apply (curious, thoughtful, motivated)
  • Reassure candidates that their application won’t go into a black hole
  • Explain how the evaluation works and what comes next

This turns applying into a conversation—not a formality.

If you write your own underwriter job post using this approach, you won’t just attract more applicants—you’ll attract better ones.

Example of A Bad Underwriter Job Description (and Why It Falls Flat)

Let’s look at a real-world-style job post that reflects how many companies still approach hiring underwriters—and why that’s a problem.

❌ Bad Job Description Example

📌 Job Title: Underwriter
Company: Meridian Insurance Group
Job Type: Full-Time
Location: Chicago, IL
Application Deadline: September 30, 2025

Job Summary
Meridian Insurance Group is hiring a full-time Underwriter to join our growing team. The successful candidate will review applications and determine risk eligibility in accordance with company guidelines. You will work with agents and brokers and help ensure compliance with underwriting standards.

Key Responsibilities

  • Assess risk and review documentation

     

  • Determine eligibility based on internal criteria

     

  • Work with agents and brokers as needed

     

  • Maintain underwriting records and files

     

  • Perform other related duties as assigned

     

Requirements

  • Bachelor’s degree in Business, Finance, or a related field

     

  • 2–4 years of underwriting experience preferred

     

  • Strong attention to detail and organizational skills

     

  • Proficiency in Microsoft Office

     

How to Apply
Please email your resume and cover letter to careers@meridianins.com with the subject line “Underwriter Application.”
Only shortlisted candidates will be contacted.

🛑 Why This Job Post Falls Flat

1. The Job Title Is Too Generic

Just calling it “Underwriter” doesn’t tell us anything. What kind of underwriting? What industry? What’s the specialty? Generic titles don’t attract qualified people—they attract confused people.

2. The Intro Feels Cold and Generic

The company’s name is dropped without any context or story. There’s no mission, no values, no explanation of what kind of company this is or why this role exists. Candidates are left wondering, “Why should I care?”

3. Responsibilities Are Vague and Interchangeable

“Assess risk” and “Perform other duties” are so broad they could apply to any job. Nothing here explains what the actual day-to-day looks like, or what success means in this role.

4. There’s No Mention of Salary, Perks, or Benefits

No transparency. No sense of what’s in it for the candidate. That sends the message that the company is either hiding something—or hasn’t thought about what candidates care about.

5. The Hiring Process Feels Dismissive

“Only shortlisted candidates will be contacted” is not only outdated—it’s disrespectful. It signals: we won’t bother responding if you’re not what we’re looking for.

This makes even strong candidates think twice about applying.

6. The CTA Is Passive and Boring

“Email your resume” is not a compelling call to action. There’s no enthusiasm, no warmth, no encouragement. And there’s zero mention of what to expect next.

7. Overall Tone: Robotic and Forgettable

There’s no human voice here. No excitement. No invitation. It reads like a copy-paste from an internal HR system—and it will repel the very people you want to hire.

Want to avoid writing job posts like this? You already are—by following this guide.

Bonus Tips to Make Your Underwriter Job Post Stand Out

If you want to attract top-tier underwriters—not just desperate applicants scrolling for anything—you need to go one step further than just having a decent job post.

Here are 5 advanced tips that will instantly elevate your underwriter job description:

🔐 1. Add a Privacy and Security Notice

With hiring scams on the rise, candidates appreciate companies that are upfront about protecting their data.

You can include a line like this at the bottom of your job post:

🛡️ Important Notice: We take your privacy seriously. We will never ask for payment, banking details, or personal financial information at any point during the hiring process. If you’re ever unsure about a communication claiming to be from us, please contact us directly via our website.

It builds trust—and helps serious candidates feel safe applying.

🌴 2. Mention Leave Days or Flex Time

Don’t just talk about work. Acknowledge that candidates are human—and that time off matters.

Try something like:

Enjoy 15 paid vacation days, 10 public holidays, and flexible work hours—because rest fuels performance.

This small detail makes your post feel more human—and gives applicants a real reason to choose you.

🚀 3. Highlight Training or Career Growth Opportunities

Even experienced underwriters want to grow. If you offer mentoring, certification support, or a clear career path, say it directly:

📚 We invest in our people. From day one, you’ll have access to mentorship, underwriting workshops, and certification support (like CPCU or AU)—so you can sharpen your skills and grow your career.

This is especially helpful for entry-level roles or mid-career hires looking to level up.

🎥 4. Add a Loom Video From the Hiring Manager

A short video (even 1–2 minutes) from the hiring manager or team lead creates a powerful emotional connection.

It helps your company stand out instantly—because now candidates can see who they’d be working with, not just reading about it.

Don’t overthink the script. Keep it simple:

“Hi, I’m Maya, Senior Underwriter at HarborPoint. I’ve been here for four years, and what I love most is how much autonomy we’re given to think through real cases—not just follow scripts. If you’re someone who enjoys solving problems and being trusted to make decisions, I’d love to see you apply.”

Even better: drop the video right after the job title or intro to grab attention early.

Here is an example that we used in our master guide on how to write a great job post description , you can check it out here https://www.loom.com/share/ba401b65b7f943b68a91fc6b04a62ad4

💬 5. Replace “We’re Hiring” With “Here’s Why This Role Matters”

Make your pitch less about you and more about the impact of the role.

Instead of:

“We’re looking for an Underwriter to join our team.”

Say:

“We’re hiring an Underwriter to help us evaluate risk smarter and protect over 3,000 small businesses across the U.S.—businesses that depend on us to get it right.”

That one shift turns your post from transactional to purposeful—and that attracts better applicants.

These little upgrades may seem minor, but together, they transform how candidates feel about your opportunity.

Should You Use AI to Write an Underwriter Job Description?

Short answer: Yes—but only if you do it right.

Lately, everyone seems to be using AI tools to auto-generate job descriptions. ATS platforms like Workable and Manatal now even offer one-click JD generators. But here’s the truth:

If you let AI write your job post without any input, you’ll end up with a lifeless, generic mess.

And worse? It won’t attract serious, skilled underwriters. It’ll attract low-effort applicants who are blasting out applications to anything that sounds vaguely like “insurance.”

❌ The Wrong Way to Use AI

Here’s what most people do:

“Write me a job post for a commercial underwriter at my company.”

And what they get back is a long list of buzzwords, clichés, and copy-paste responsibilities pulled from public databases. It’s bland. It’s forgettable. It looks like everyone else’s job post.

You don’t want that.

✅ The Right Way to Use AI

AI is a tool, not a replacement. You still need to provide the raw ingredients. That means:

  • What your company actually does

     

  • The kind of underwriter you’re hiring (entry-level? property? commercial? specialty lines?)

     

  • What your team culture is like

     

  • What sets your opportunity apart (remote? flexible? high-growth?)

     

  • Who your ideal hire is (decisive? analytical? client-facing?)

     

Once you have that, you can prompt AI like this:

🧠 Smart Prompt Example:

“Help me write a job description for an underwriter role at Oakbridge Risk Partners.
We’re a remote-first insurance agency that serves small business clients across the U.S.
We’re hiring a commercial insurance underwriter who will assess risk, review financials, and collaborate with our broker network.
Our culture is sharp, transparent, and ownership-driven.
We want someone with 2+ years of experience, strong judgment, and solid writing skills.
We offer $70K–$85K base salary, remote flexibility, and a $1,500 annual training budget.
Here are some notes I’ve written to include: [insert bullet points here].
Can you structure this in a clear, conversational, and engaging tone?”

With this kind of prompt, AI becomes your co-writer—not a crutch. It can help you:

  • Structure the post

     

  • Tighten your language

     

  • Make sure nothing important is missing

     

But remember: your voice, your culture, and your expectations still need to lead.

💡 Pro Tip: Use This Guide As Your Benchmark

If you’re ever unsure what a good AI-generated job post should sound like, just compare it to the examples in this article. You’ll immediately spot the difference between a smart assist… and a lazy auto-fill.

Don’t let bad hires slow you down. WorkScreen helps you identify the right people—fast, easy, and stress-free.

Need a Quick Copy-Paste Underwriter Job Description?

✅ Option 1: Conversational Job Description Template (Culture-First Style)

📌 Job Title: Underwriter – [Specialty] Insurance
💼 Job Type: [Full-Time] | Location: [Remote/In-Office – Location] | Salary: [$XX,XXX–$XX,XXX/year]
🕒 Schedule: [Monday–Friday | Time Zone]

🎥 Meet Your Team (Optional Video)
We believe hiring should feel human. That’s why we recommend adding a short Loom video here from the hiring manager or team lead.
It’s your chance to personally welcome candidates, explain the role, and share your company’s vibe.
👉 [Insert Loom Video Link]

🏢 About Us

[Company Name] is a [describe industry] company serving [your audience, e.g., small businesses, homeowners, mortgage lenders, etc.]. We’re committed to delivering [your differentiator—e.g., smart underwriting decisions, fast turnarounds, risk clarity].

Founded in [Year], we’ve built a team that values clear thinking, responsible decision-making, and doing the right thing—even when no one’s watching. If you’re someone who enjoys solving problems, analyzing risk, and making decisions that matter, we’d love to meet you.

🔍 What You’ll Do

  • Review insurance applications, supporting documents, and client histories
  • Evaluate risk based on company guidelines, industry standards, and logic
  • Recommend pricing, coverage, or policy adjustments as needed
  • Collaborate with agents, brokers, and internal teams for clarifications
  • Maintain documentation and decision logs in our underwriting platform

🎯 What We’re Looking For

  • [1–3+] years experience in [Commercial/Property/Life/Other] Underwriting
  • Strong decision-making and analytical skills
  • Clear communicator—written and verbal
  • Comfortable working independently and owning outcomes
  • Bonus if you’ve worked with [mention underwriting tools or platforms]

🎁 Perks & Benefits

  • Health, dental, and vision insurance
  • Flexible work hours and remote-friendly policies
  • Paid time off (vacation, holidays, sick leave)
  • Professional development or certification support
  • Performance-based bonus opportunities

💡 Why This Role Is a Great Fit

This isn’t a role where you just check boxes. You’ll have autonomy, impact, and the ability to grow. We respect good judgment and reward people who take ownership. If you want to be part of a mission-driven team that actually listens, this might be the perfect next step for you.

📥 How to Apply

We use WorkScreen to evaluate candidates fairly—based on skills, not just résumés.
👉 [Insert WorkScreen Application Link]

Once you complete the short task, we’ll review it carefully and respond within [X days]. You’ll hear from us either way.

✅ Option 2: Structured “Job Brief + Responsibilities + Requirements” Format

📌 Job Title: Underwriter – [Type of Insurance]
💼 Job Type: [Full-Time] | Location: [Remote/In-Office – Location] | Salary: [$XX,XXX–$XX,XXX/year]
🕒 Schedule: [Monday–Friday | Time Zone]

🎥 Optional Video from the Hiring Manager
Want to add a personal touch? Drop a Loom or YouTube link here with a 1–2 minute message from the hiring lead or a team member explaining what the role looks like and who would thrive in it.
👉 [Insert Loom Video Link]

Job Brief

[Company Name] is hiring an Underwriter to join our [type of underwriting] team. You’ll assess risk, analyze applications, and help us maintain underwriting excellence across all client accounts. This is a great opportunity for someone who values structured decision-making, autonomy, and working with a detail-oriented team.

Responsibilities

  • Review and assess insurance applications
  • Analyze financial data, claims history, and risk indicators
  • Determine coverage eligibility and pricing
  • Communicate with internal teams and external partners
  • Document decisions and maintain underwriting records

Requirements

  • Bachelor’s degree in Business, Finance, Risk, or a related field
  • [1–3+] years of underwriting experience preferred
  • Proficiency in underwriting software/tools
  • High attention to detail and ability to work independently
  • Excellent communication and organizational skills

Perks & Benefits

  • Competitive salary range
  • Health, dental & vision coverage
  • PTO, holidays, and flexible scheduling
  • Ongoing training opportunities
  • Bonus or commission structure (if applicable)

📥 How to Apply

We use WorkScreen to help us hire smarter. You’ll go through a short, skills-based evaluation that gives us a better picture of how you think—not just what’s on your résumé.
👉 [Insert WorkScreen Application Link]

We review every application carefully and respond promptly. No ghosting—just a fair, human process.

Ready to Hire Smarter? Let WorkScreen Handle the Next Step

Writing a great job post is just the beginning.

Once the applications start rolling in, you still have to figure out:
Who’s actually qualified? Who’s bluffing? And who’s worth your time?

That’s where WorkScreen comes in.

🧠 Here’s how WorkScreen helps you hire smarter:

✅ Automatically evaluate candidates

WorkScreen sends applicants a short, role-relevant task—like a real-world scenario they’d actually face on the job. No fluff. No guesswork. Just genuine signals of ability.

✅ Score and rank applicants in real time

As candidates complete the task, WorkScreen scores and ranks them on a performance-based leaderboard. That means you can instantly see who’s capable—without digging through résumés or playing email tag.

✅ Eliminate low-effort and AI-assisted applicants

WorkScreen helps you avoid the flood of generic applications, one-click applies, and candidates using AI to fake their way through the process.
You focus on serious, committed people—the ones who actually want the job.

✅ Hire with confidence (and speed)

You’ll spot top talent early, skip unqualified candidates fast, and save hours of manual screening. It’s a more fair, data-driven, and human hiring process—start to finish.

Create your job description → share the application link → and let WorkScreen do the heavy lifting.

FAQ

When hiring an underwriter, look beyond technical checkboxes. The best underwriters combine analytical ability with sound judgment and strong communication. Here are the key skills to prioritize:

  • Risk assessment and decision-making: Can they weigh pros and cons under pressure?

  • Financial literacy: Comfort with interpreting statements, ratios, and risk indicators.

  • Attention to detail: Small errors can lead to major consequences in underwriting.

  • Written communication: Underwriters need to document decisions clearly and precisely.

  • Adaptability: Regulations and company policies change—fast learners thrive here.

  • Emotional intelligence: Especially in client-facing roles, empathy and clarity matter.

Pro tip: Use a real-world task through WorkScreen to test these skills in action—not just ask about them.

As of 2025, the average salary for an underwriter in the U.S. varies by industry and experience:

  • Entry-level underwriters: $45,000–$60,000/year

  • Mid-level underwriters (2–5 years): $65,000–$85,000/year

  • Senior underwriters (5+ years or specialty lines): $90,000–$120,000+/year

Specializations like commercial insurance, mortgage underwriting, or life insurance may command higher pay, especially in high-cost-of-living cities or remote-first tech-driven firms.

Though they share the same title, they’re very different roles:

  • Loan underwriters work in banking and mortgage companies, evaluating credit, income, and collateral to approve or deny loans.

  • Insurance underwriters assess risk for policies in areas like auto, life, home, and commercial insurance—focusing on coverage terms and pricing.

Each requires a different set of tools, regulatory understanding, and customer interaction style. Be sure your job description clearly reflects which field you’re hiring in.



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Author’s Details

Mike K.

Mike is an expert in hiring with a passion for building high-performing teams that deliver results. He specializes in streamlining recruitment processes, making it easy for businesses to identify and secure top talent. Dedicated to innovation and efficiency, Mike leverages his expertise to empower organizations to hire with confidence and drive sustainable growth.

Hire Easy. Hire Right. Hire Fast.

Stop wasting time on unqualified candidates. WorkScreen.io streamlines your hiring process, helping you identify top talent quickly and confidently. With automated evaluations , applicant rankings and 1-click skill tests, you’ll save time, avoid bad hires, and build a team that delivers results.

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