3,389 Trainee Underwriter jobs in the United States

Salary Range: $38.46 – $43.25/ hr.

PRIMARY RESPONSIBILITY:

Underwrite residential mortgage loans for sale in the secondary market, as well as portfolio mortgages, home equity loans/lines.

ESSENTIAL FUNCTIONS:

• Underwrite Conventional mortgage loans pursuant to secondary market guidelines.
• Underwrite residential portfolio loans.
• Underwrite home equity loans and lines, providing approvals within stipulated time frames.
• Underwrite FHA, USDA, VA and residential construction loans (after satisfactory transition period)
• Develop and maintain expert knowledge base related to underwriting requirements of correspondent lending partners (investors).
• Develop and maintain good working relationships with bank loan originators, sales staff and processors.
• Update retail lending policies and operating procedures when necessary.
• Assure proper maintenance of information in Credit and Legal Documentation Files.
• Ensure the bank is meeting compliance requirements for the residential lending business.
• Maintain strong knowledge base on Bank Policies, Laws and Regulations that govern residential mortgage lending.
• Prepare and issue commitment letters and provide to Loan Officers.
• Active participation in demonstrating the behaviors outlined in the GRB Experience.

EDUCATION AND EXPERIENCE:

Bachelor’s degree, preferably in a business-related discipline plus a minimum of 5 years’ experience underwriting mortgage loans and retail lending credit analysis, or the equivalent combination of education and experience.

• Active CHUMS # required (may be obtained after satisfactory training/ transition period)
• SAR ID# and SONYMA experience preferred.
• Expert knowledge with FHA regulations and underwriting guidelines.
• Knowledge and experience in the secondary market arena.
• Knowledge of Fannie Mae DU, Freddie Mac LP, and GUS.

COMPETENCIES:

• Provide a remarkable client experience. Greet clients with warmth, genuine interest and a smile.
• Lead by example. Identify current or potential problems, take ownership and see them through to resolution.
• Act as a unified team. Possess strong interpersonal skills including the ability to proactively communicate with and help others, within and across departments.
• Ability to work independently. Seek and incorporate feedback on your performance from management, coworkers and clients.
• Ability to work in a fast-paced, deadline driven environment.
• Demonstrated PC literacy.

WORK ENVIRONMENT:  

The work environment is indoor and climate-controlled office setting.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Genesee Regional Bank is an equal opportunity organization. We recruit, employ, train, compensate, and promote without regard to race, religion, color, national origin, age, sex, disability, veteran status, or any other basis protected by applicable federal, state or local law.

THIS JOB DESCRIPTION IS SUBJECT TO CHANGE AT ANY TIME

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

Combined Insurance, a Chubb Company, is seeking a Underwriter to join our fast-paced, high energy, growing company. We are proud of our tradition of success in the insurance industry of over 100 years. Come join our team of hard-working, talented professionals!

JOB Summary

Currently we have an excellent career opportunity for a Health & Life Underwriter in the Underwriting Department of Combined Insurance

Responsibilities

The ideal candidate will have experience in Health & Life Underwriting. The individual will analyze applications, review prior application data, claim history and supporting documents to determine if application can be issued immediately, or if further investigation is required. Perform necessary system transactions to correct application record. Contact agents and applicants to clarify and correct inconsistent information. Evaluate existing coverage amounts (this company and others) to determine benefit amounts and replacement regulations. Examine appropriate underwriting parameters for guidance in determining if additional information is needed to evaluate risk. Authenticate income and occupation class and equate to benefits applied for. Evaluate medical and non-medical information generated by the underwriting process, to properly assess and classify the risk. Review completed phone interviews and review medical records to approve or decline application. Perform necessary system transactions to approve or decline applications

COMPETENCIES

• Problem Solving
• Initiative
• Adaptability
• Results Oriented

• Strong knowledge of medical terminology
• Strong analytical and problem-solving skills
• Experience working with field sales business partners
• Responsive and customer focused
• Ability to negotiate and resolve conflicts
• Strong attention to detail and organization skills
• Ability to communicate verbally and in writing
• Proficient computer skills using various software packages
• Ability to work in a fast-paced, high-volume environment
• Strong relationship building skills

• 3 - 5 years of Health/Life Underwriting experience
• BA/BS degree preferred or related work experience

ABOUT US

OUR BENEFITS

As a Chubb corporate employee, you have access to one of the most comprehensive benefit plans in the business, designed to meet your needs and help you reach your financial goals. More details can be found here. Chubb is committed to supporting its employees with a comprehensive compensation package that is appropriate in the market where they work. Below are several of the many benefits we offer our employees:

• Health insurance
• Dental insurance
• Tuition reimbursement
• A company-match 401(k) plan
• Disability insurance
• Life insurance
• Employee referral bonuses

Combined Insurance Company of America is a Chubb company and a leading provider of supplemental accident, health, disability, and life insurance products in North America. Headquartered in Chicago, with satellite office in Columbia, SC, Combined is celebrating over 100 years in business. We are committed to making the world of supplemental insurance easy to access and understand. The company has an A+ rating by the Better Business Bureau and an A + (Superior) financial strength rating by A.M. Best. We are ranked by VIQTORY as the number one Military Friendly® Employer in 2023 (over $1 billion revenue category), marking Combined's twelfth consecutive year on the Top 10 list. We pride ourselves on approaching all situations with a Positive Mental Attitude (PMA) and encouraging collaboration.

ABOUT CHUBB

Chubb is a world leader in insurance. With operations in 54 countries, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance, and life insurance to a diverse group of clients. The company is distinguished by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength, underwriting excellence, superior claims handling expertise and local operations globally.

Connect with us on Twitter, Facebook, LinkedIn, and Instagram

#combined

At Stewart, we know that success begins with great people. As a Stewart employee, you’ll be joining a company that was named a Best Company to Work For by U.S. News & World Report, and a 2025 Top Workplace by USA Today. We are committed to helping you own, develop, and nurture your career. We invest in your career journey because we understand that as you grow, so does our company. And our priority is smart growth – by attaining the best people, investing in tools and resources that enable success, and creating a better home for all.

You will be part of an inclusive work environment that reflects the customers we serve. You’ll be empowered to use your unique experiences, passion and skills to help our company and the communities we serve constantly evolve and improve. Together, we can achieve our vision of becoming the premier title and real estate services company.

Stewart is a global real estate services company, providing title insurance, settlement, underwriting, and lender services through our family of companies. To learn more about Stewart, visit stewart.com/about. 

More information can be found on stewart.com. Get title industry information and insights at stewart.com/insights. Follow Stewart on Facebook @StewartTitleCo, on Instagram @StewartTitleCo and on LinkedIn @StewartTitle

Job Description

Job Summary

• Reviews and evaluates title searches and insurance risk factors and must be able to justify and communicate underwriting requirements to counsel for buyers, sellers and lenders on real estate transactions
• Responsible for evaluating risk and exposures to determine acceptability of business
• Determines premiums, terms and conditions based established rules, rates, and guidelines
• May analyze data such as financial conditions of the organization, participation percentage, type of industry, characteristics of employee groups, or past claim experience
• Typically follows existing procedures to perform routine assignments and to solve standard problems
• Analyzes basic information and standard practices to make decisions impacting work performed
• Individual contributor working with direct oversight
• Performs all other duties as assigned by management

• Bachelor’s degree in relevant field preferred

• Typically requires 0-2 years of related work experience

Equal Employment Opportunity Employer

Stewart is committed to ensuring that its online application process provides an equal employment opportunity to all job seekers, including individuals with disabilities. If you have a disability and need assistance or an accommodation in the application process, please contact us by email at

Pay Range & Benefits

The base salary range provided is consistent with similar roles at the Company. The base salary range is not an absolute, but a guide, and actual offers will be based on the individual candidate’s knowledge, skills, education, experience, location, market conditions, and other compensation components. Depending upon all of the preceding considerations, the base salary may be lower or higher than the stated range.

Stewart offers eligible employees a competitive benefits package that includes, but is not limited to a variety of health and wellness insurance options and programs, paid time off, 401(k) with company match, employee stock purchase program, and employee discounts

The Underwriter's primary responsibility is to underwrite individual risks through a demonstration of the following skills and abilities:

• Fundamentals of coverage, terms and conditions. Ability to offer coverage, terms and conditions which generate a profit for the Company while meeting the needs of the customer.
• Risk Assessment. Ability to identify risk exposures, special or common hazards, and appropriate controls. Ability to select risk based on exposure and risk analysis. Ability to analyze claims and quantify losses.
• Financial proficiency. Understanding of financial statements and ratios used in risk analysis. Understanding of insurance financial fundamentals; impact of underwriting decisions on company assets. Ability to understand credit risk.
• Actuarial fundamentals. Ability to understand loss trends, loss triangles, and ratemaking. Ability to quantify risk based on experience history and forecasting methods.
• Marketing and Communications. Ability to sell and negotiate to achieve bottom line profitability for the Company. Ability to make presentations and communicate articulately. Ability to base communications on strategic thinking. Ability to manage producer strategy.
• Systems and programs. Ability to use systems and software programs needed to conduct daily business.

MAJOR DUTIES & RESPONSIBILITIES :

Duties may include but are not limited to:

• Solicits new and renewal submissions from brokers
• Determines terms and conditions and complex rating plans
• Binds coverage
• Documents the underwriting files
• Handles more complex files and portfolios within underwriting authority

QUALIFICATIONS

DESIRED

ABOUT US

Chubb is a world leader in insurance. With operations in 54 countries, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance, and life insurance to a diverse group of clients. The company is distinguished by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength, underwriting excellence, superior claims handling expertise and local operations globally.

At Chubb, we are committed to equal employment opportunity and compliance with all laws and regulations pertaining to it. Our policy is to provide employment, training, compensation, promotion, and other conditions or opportunities of employment, without regard to race, color, religious creed, sex, gender, gender identity, gender expression, sexual orientation, marital status, national origin, ancestry, mental and physical disability, medical condition, genetic information, military and veteran status, age, and pregnancy or any other characteristic protected by law. Performance and qualifications are the only basis upon which we hire, assign, promote, compensate, develop and retain employees. Chubb prohibits all unlawful discrimination, harassment and retaliation against any individual who reports discrimination or harassment.

We are looking for a candidate who is highly motivated to succeed and is results oriented. Candidate must have experience in multi-line package underwriting. The lines of business included on the platform include but are not limited to: Package, Auto, Workers Compensation, and Umbrella. The position underwrites newline and renewal accounts submitted through the online platform.

• Responsible for $5-$ MM renewal portfolio and 1.5MM new business production
• Execution on Individual growth plan to include Growth, New Business, Retention, Rate and Profitability
• Execution on Individual goals with respect to Policy Issuance and Underwriting File Integrity
• Ensure Data Integrity on assigned book of business
• Production focus on manufacturing, wholesale and professional services
• Execution of business strategy based upon portfolio class and customer type
• Developing relationships with brokers in assigned regions1
• Travel to assigned local territory markets for broker/client/branch meetings
• Stewardship of large accounts
• Adherence to Delegated Authority Statement

QUALIFICATIONS

• Bachelor's

  ABOUT US

  Chubb is a world leader in insurance. With operations in 54 countries, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance, and life insurance to a diverse group of clients. The company is distinguished by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength, underwriting excellence, superior claims handling expertise and local operations globally.

  At Chubb, we are committed to equal employment opportunity and compliance with all laws and regulations pertaining to it. Our policy is to provide employment, training, compensation, promotion, and other conditions or opportunities of employment, without regard to race, color, religious creed, sex, gender, gender identity, gender expression, sexual orientation, marital status, national origin, ancestry, mental and physical disability, medical condition, genetic information, military and veteran status, age, and pregnancy or any other characteristic protected by law. Performance and qualifications are the only basis upon which we hire, assign, promote, compensate, develop and retain employees. Chubb prohibits all unlawful discrimination, harassment and retaliation against any individual who reports discrimination or harassment.

Summary: When someone needs coverage for the unique, the unusual, or the unconventional, they come to Burns & Wilcox. Burns & Wilcox offers unparalleled resources and exposure for those looking to grow their career in the specialty insurance industry. We are looking for candidates with an entrepreneurial spirit, drive for career advancement and desire to develop relationships to join our team as an Associate Underwriter. Our Associate Underwriters underwrite and supervise a portion of an Underwriter’s book of business, support renewal and new business development, and have the opportunity to achieve full underwriting authority.

Responsibilities

• Service a book of business under the direct supervision of an underwriter
• Evaluate, classify, and rate each risk to determine acceptability, coverage, and pricing to prepare quotes
• Log applications, prepare binders, and process policies and endorsements
• Bind risk, post the invoice, and process technical data
• Screen renewal applications and send out renewal letters; perform some of the underwriting and prepare quotes for underwriter approval
• Assist with new business development
• Order and follow up on inspections, plus handle endorsement requests and referrals for the underwriter
• Manage relationships with retail agents and follow up on any outstanding information needed to complete the underwriting file

Qualifications

• Bachelor’s degree or equivalent combination of education and experience
• 2+ years of Underwriting support or industry experience with excess and surplus lines is preferred
• Demonstrated proficiency and previous experience in sales and marketing is preferred
• Proven organization skills and ability with a strong attention to detail
• Interest in continued education and professional development to obtain full underwriting authority
• Technologically savvy and data driven

Benefits:

• Compensation between $60,000-$65,000
• Employer paid continuing education courses and designations via access to Kaufman Institute
• Health and welfare benefits including medical, vision and dental
• 401K with employer match
• Paid vacation, sick time, and holidays
• Access to Kaufman Wellness Program
• Flexible and hybrid work options

About Our Company

Burns & Wilcox, the flagship organization of H.W. Kaufman Group, is North America’s leading wholesale insurance broker and underwriting manager. Burns & Wilcox offers wide ranging and comprehensive solutions to serve retail insurance brokers and agents of all sizes, from the large houses to the more than 30,000 independent brokers and agents worldwide. Fueled by its freedom from Wall Street and private equity, Burns & Wilcox is a privately owned company whose standards of service, depth of market relationships and outstanding talent are unsurpassed in the specialty insurance sector.

Equal Opportunity Employer

The H.W. Kaufman Group of companies is an equal opportunity employer. All employment decisions are based on business needs, job requirements and individual qualifications, without regard to race, color, religion, gender, gender identity, age, national origin, disability, veteran status, marital status, pregnancy, sexual orientation, genetic information or any other status or condition protected by the laws or regulations in the locations where we operate.

In addition, Kaufman will make reasonable accommodations to known physical or mental limitations of an otherwise qualified person with a disability, unless the accommodation would impose an undue hardship on the operation of our business.

Responsibilities

• Assist and support underwriters with new and renewal business including rating, form selection, binding, policy issuance and invoicing
• Quality control of various documents including quotes, policies, endorsements, cancellations and invoices
• Handle a high volume workload in a fast-paced environment, maintaining excellence service standards
• Deliver high quality service to wholesale broker customers
• Learn the underwriting process and appetite and assist underwriters with new business, endorsement and renewal underwriting
• Evaluate submission, renewal and inspection information as part of the underwriting process
• In conjunction with underwriters, work closely with wholesale brokers to develop relationships and enhance their understanding of the Company’s Underwriting rationale, philosophy and criteria

Qualifications

• Bachelor’s degree
• 2+ years of Property & Casualty underwriting support experience
• Underwriting support in Excess and Surplus lines environment strongly preferred
• Proficient in policy and workflow insurance applications
• High energy and desire to learn

Compensation Package:

• Competitive base compensation
• Health benefits & 401K with employer match
• Employer paid continuing education courses and designations
• Many opportunities for career advancement

This is an outstanding opportunity for candidates with an entrepreneurial spirit, drive for career advancement and desire to develop relationships while helping to grow a book of business.

About Our Company

A premier national provider of property and casualty insurance, Atain is an A.M. Best “A” rated insurance company. Atain provides excess and surplus business through wholesale brokers on a nationwide basis. We invite you to consider joining our winning team!

Equal Opportunity Employer

The H.W. Kaufman Group of companies is an equal opportunity employer. All employment decisions are based on business needs, job requirements and individual qualifications, without regard to race, color, religion, gender, gender identity, age, national origin, disability, veteran status, marital status, sexual orientation, genetic information or any other status or condition protected by the laws or regulations in the locations where we operate.

Essential Functions

• Underwrite business purpose bridge or construction loans in compliance with credit guidelines.
• Review loan files for completeness, identify missing documentation, and approve borrower background.
• Collaborate with Sales, Processors, Managers and Closers to communicate guideline requirements and finalize loan scenarios.
• Must be able to prioritize time sensitive deadlines.
• Manage pipeline of 60+ loans with efficiency and accuracy.
• Analyze valuations for accuracy, risk and detail review of comparable market sales.
• Participate in weekly pipeline meeting.
• Identify and evaluate strengths, mitigating factors, and weaknesses of the loan request and escalate risks and issues.
• Prepare and submit exception memos for scenarios falling outside guidelines.
• Perform duties and responsibilities specific to department functions and activities.
• Performs other duties and responsibilities as required or assigned by Manager.

Competencies/Skills

• Strong attention to detail with the ability to stay organized and problem solve in a fast-paced environment.
• Ability to articulate issues, problem solve and analyze with creative and outside of the box thinking.
• Strong communication skills (written and verbal) with internal and external partners; ability to convey findings in a concise and comprehensive manner.
• Effective organization and time management skills.
• Capability to build trusting relationships internally and externally and elicit confidence by demonstrating reliability.
• Strong team player with the ability to work effectively in a cooperative and diverse environment.
• Capacity to analyze processes, support change and think operationally and strategically to achieve business goals.
• Proven ability to partner with clients to identify business challenges and effective strategies/alternatives to mitigate them.
• Highly self-motivated and self-directed.
• Advanced use of Microsoft Office Suite with emphasis on advanced excel skills.
• Financial analytical analysis with math and general accounting knowledge.

Education and Experience

• 2 years’ experience underwriting business purpose and/or multifamily, commercial lending.
• 2 years’ experience reviewing guarantor and borrower background reports, valuation analysis, including entity documentation to determine ownership and borrower structure.
• 5 years of analytical experience within financial services, commercial banking, or business purpose lending.

Accessibility

At Archwest, we will make reasonable accommodations to enable individuals with disabilities to perform essential functions. Please just let us know by contacting us at