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Underwriter Job Description Sample Template


This free Underwriter job description sample template can help you attract an innovative and experienced Underwriter to your company. We make the hiring process one step easier by giving you a template to simply post to our site. Make sure to add requirements, benefits, and perks specific to the role and your company.

Underwriter Job Summary

We are seeking a detail-oriented, thorough, and organized underwriter to join our growing team. As an underwriter, your primary responsibility will be to review applications for insurance and evaluate the degree of risk in accepting individual applications. The ideal candidate for this position is astute, self-assured, decisive, and is able to complete tasks and make decisions independently.

Underwriter Duties and Responsibilities

  • Evaluate insurance applications and decide whether to provide insurance
  • Determine coverage amounts and premiums for insurance policies
  • Screen applicants for insurance based on a predetermined set of criteria
  • Obtain and examine additional relevant documentation about applicants through communications with field representatives, medical personnel, and others
  • Analyze applicant information and use reference materials to aid in the determination of risks
  • Assess and consider recommendations from underwriting software
  • Decline applicants that demonstrate excessive risks
  • Evaluate potential losses based on excessive or catastrophe insurance
  • Decrease the value of policies with substandard risk
  • Review company records to determine the amount of insurance in force on single risks or groups of risks
  • Ensure a safe and profitable risk distribution

Underwriter Requirements and Qualifications

  • Bachelor's degree in business, economics, finance, mathematics or related field
  • Prior underwriting experience a plus
  • Complete professional development and continuing education courses as offered by The American College of Financial Services, The Institutes and The National Association of Insurance and Financial Advisors, such as: Associate in Commercial Underwriting (AU),Associate in Personal Insurance (API),Chartered Life Underwriter (CLU) certification,Chartered Property and Casualty Underwriter (CPCU) designation,The Life Underwriter Training Council Fellow (LUTCF)

This template is provided for informational purposes only. The ultimate responsibility for selecting an accurate and non-misleading job title and description, and ensuring that a job posting does not otherwise violate any applicable laws or ZipRecruiter’s Terms of Use, rests solely with the employer. ZipRecruiter makes no representation as to whether the template above accurately describes the employer’s job posting. Please review our Terms of Use and Job Posting Rules for further information.