Underwriters assess risk and make informed decisions about whether to approve insurance policies, loans, and other financial agreements. They review applications, analyze financial and other relevant information, and determine appropriate terms, limits, and pricing. Employers value underwriters who combine sound judgment with analytical skills and clear communication.
Find vetted underwriter opportunities on Ladders, including professional roles with salaries of $100,000 or more. Job titles and qualifications vary by employer, industry, and level of responsibility, so review each listing for details on compensation, experience, and location.
Underwriting work differs across insurance, banking, and financial services. Depending on the role, underwriters may evaluate borrower credit and repayment capacity, assess insurance exposures, review property or business information, apply internal guidelines, and recommend or make approval decisions. They may also collaborate with brokers, loan officers, actuaries, and other teams to clarify information and explain decisions.
Underwriter job titles may include insurance underwriter, commercial underwriter, mortgage underwriter, credit underwriter, and senior or lead underwriter. Specialties can focus on areas such as commercial property, casualty, life and health insurance, residential lending, or business credit. Requirements and responsibilities depend on the product and organization.
Many employers seek candidates with experience in risk assessment, financial analysis, or a relevant underwriting specialty. Useful capabilities include attention to detail, quantitative reasoning, familiarity with underwriting guidelines and regulations, sound decision-making, and the ability to communicate findings clearly. Some roles may require a bachelor's degree, industry credentials, or experience with particular underwriting systems; check individual job postings for specific requirements.
Underwriters can progress into senior, lead, or management roles, or specialize in complex accounts and products. Related paths may include risk management, portfolio analysis, credit, insurance operations, and underwriting strategy. Advancement often depends on industry knowledge, judgment, performance, and the ability to handle greater complexity or responsibility.
Use Ladders to explore vetted professional underwriter openings with compensation of $100,000 or more. Compare role scope, specialty, location, and stated qualifications to identify opportunities that align with your experience and career goals. Compensation and eligibility vary by listing.
Senior Underwriting Consultant, Financial Protection - Remote
$91K - $163K *
Join a team that's dedicated to evaluating and pricing financial protection products while balancing risk assessment and sales growth. Collaborate to create innovative strategies and mentor junior und...
3 weeks ago
Senior Director, Underwriting & Portfolio Management
$137K - $210K *
Champion underwriting excellence and risk management by leading strategic initiatives, optimizing portfolio performance, and fostering cross-functional collaboration to drive profitable growth and enh...
3 weeks ago
$80K - $90K *
Lead the charge in managing comprehensive accounting functions for self-insurance groups, ensuring accurate financial reporting, compliance with regulations, and effective budget management while coll...
1 week ago
Annuities External Wholesaler, Advisor Channel (Buffalo, Rochester, Syracuse)
$100K - $120K *
Join a dynamic team to drive annuity sales by developing relationships with financial advisors. Deliver strategic presentations, provide expert support, and leverage market knowledge to grow retiremen...
3 weeks ago
$95K - $115K *
Champion the successful delivery of projects and technology initiatives by coordinating cross-functional teams and managing risks, ensuring timely and high-quality outcomes that align with business ob...
2 weeks ago
$82K - $100K *
Shape the future of business analysis by bridging stakeholder needs with IT solutions. Collaborate on medium to complex projects, ensuring requirements are met and processes are streamlined for optima...
1 week ago
Experienced Binding Authority Underwriter
$90K - $120K *
Drive profitable growth by underwriting and binding risks, fostering agency relationships, and leveraging market insights to enhance portfolio performance in a dynamic specialty insurance environment...
1 week ago
Commercial Real Estate Underwriter - Remote
$72K - $130K *
Drive impactful credit analysis by underwriting commercial loan requests, collaborating with analysts and portfolio managers to enhance our credit portfolio while ensuring compliance with regulatory s...
2 weeks ago
Annuities External Wholesaler, Bank/Wire and Edward Jones Channel (OR, WA, MT, ID)
$100K - $120K *
Grow and transform annuity sales in the Bank/Wire and Edward Jones channel by developing strong advisor partnerships, executing strategic territory plans, and providing exceptional support for client...
3 weeks ago
$110K - $130K *
Transform product strategy in Chemical & Workplace Safety by leading initiatives from discovery to delivery. Collaborate across teams to balance customer needs and business goals, driving measurable o...
2 weeks ago
$140K - $145K *
Deliver exceptional underwriting expertise by independently evaluating complex Commercial Casualty risks, with a focus on Commercial Auto, General Liability, and Excess Liability to drive informed dec...
Reposted yesterday
Insurance Financial Reporting Lead
$110K - $130K *
Elevate financial transparency by leading statutory reporting and audits. Collaborate across teams to ensure compliance and data integrity, while providing actionable insights to support leadership in...
1 week ago
$70K - $117K *
Contribute to a dynamic team by delivering exceptional customer experiences while conducting risk assessments and collaborating with stakeholders to drive competitive decision-making in the underwriti...
Reposted 2 weeks ago
Senior Credit Underwriter - Remote
$112K - $193K *
Unlock potential by leveraging your extensive experience in underwriting and structuring complex syndicated loans. Collaborate with key stakeholders to assess risks and build a high-performing credit...
4 weeks ago
Business Development Underwriter - Dallas Metro Region
$90K - $152K *
Drive your career forward by developing a profitable book of business while enhancing agency relationships and cross-selling insurance products for broader commercial growth and profitability...
4 weeks ago
Annuities External Wholesaler, Bank/Wire Channel (Greater NYC)
$110K - $130K *
Drive sales growth for fixed and variable annuities through strategic relationships in the Bank/Wire channel. Collaborate with financial advisors to meet clients' retirement income needs and manage a...
3 weeks ago
Associate Underwriting Team Leader
$80K - $95K *
Join us to evaluate and manage underwriting risks while leading teams to achieve portfolio success. This role balances individual underwriting with team collaboration, ensuring compliance and effectiv...
2 weeks ago
Underwriting Lead, Cyber Portfolio Underwriting
$135K - $185K *
Drive underwriting excellence by managing referral decisions, enhancing guidelines, and optimizing processes for a growing cyber and technology E&O portfolio, ensuring timely and well-documented outco...
2 weeks ago
Product Owner, P&C Policy & Commercial Underwriting
$110K - $170K *
Pioneer innovative solutions in P&C insurance by owning the product roadmap for policy administration and commercial underwriting, integrating AI capabilities to enhance decision-making and streamline...
1 week ago
Property Program Underwriter, Consultant - Reinsurance and Alternative Risk Transfer
$120K - $224K *
Pioneer innovative insurance solutions by analyzing complex risks and underwriting programs. Collaborate with partners to develop strategies, mentor teams, and drive profitable growth while ensuring c...
2 weeks ago
$95K - $142K *
Transform complex underwriting processes by leveraging expertise in claims analysis and funding arrangements. Collaborate with teams to drive strategic pricing decisions while mentoring junior underwr...
1 week ago
Senior Commercial Real Estate Underwriter - Remote
$91K - $163K *
Drive impactful credit decisions by underwriting commercial loans, analyzing financial data, and ensuring compliance. Collaborate with clients and mentor team members while managing risk and enhancing...
2 weeks ago
AVP - Financial Planning & Analysis
$154K - $204K *
Champion strategic financial planning and analysis, driving enterprise-wide initiatives and insights. Lead a high-performing team, enhance reporting capabilities, and support executive decision-making...
2 weeks ago
Group Underwriter II (Stop Loss)
$79K - $105K *
Join a team that's dedicated to providing comprehensive Rating & Underwriting support for Stop Loss products, ensuring accurate proposal rates and renewals for groups of 100+, while collaborating clos...
2 days ago
$50K - $250K *
Lead the charge in achieving sales targets by utilizing expert knowledge and effective tools to build client relationships, manage business renewals, and drive new business development in a dynamic in...
1 month ago
What does an underwriter do?
An underwriter evaluates risk and supporting information to decide whether to approve an insurance policy, loan, or other financial agreement, and may set terms, limits, or pricing.
What types of underwriter jobs are available?
Common roles include insurance, commercial, mortgage, and credit underwriters, as well as senior and lead positions. Specialties and responsibilities vary by employer and industry.
What qualifications do underwriters need?
Requirements depend on the role. Employers may look for relevant underwriting or financial analysis experience, strong analytical and communication skills, and familiarity with industry guidelines. Some positions require a degree or professional credentials.
How can underwriters advance their careers?
With experience, underwriters may move into senior, lead, or management positions, specialize in complex risks, or transition into related areas such as risk management, credit, or portfolio analysis.
Where can I find underwriter jobs paying $100,000 or more?
Ladders features vetted professional job opportunities with salaries of $100,000 or more. Review each underwriter listing for its compensation, location, and qualifications.