Underwriter Resume examples & templates

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Copyable Underwriter Resume examples

Ever wonder who's analyzing all those financial details when you apply for a loan or insurance policy? Meet the underwriter—the analytical mind behind risk assessment decisions that keep the financial world turning. Underwriters are the gatekeepers who determine acceptable risks for banks, insurance companies, and investment firms, balancing the organization's profit goals against potential losses. It's a career that blends financial acumen with investigative skills and a dash of intuition. According to the Bureau of Labor Statistics, insurance underwriters earn a median annual salary of $76,390, though compensation varies widely by industry and specialty.

The underwriting landscape is shifting rapidly as technology transforms traditional processes. With automated underwriting platforms handling straightforward applications, today's underwriters increasingly focus on complex cases requiring human judgment and specialized expertise. This evolution means fewer entry-level positions but more opportunities for underwriters who combine technical knowledge with critical thinking skills. As financial products grow more sophisticated and regulatory requirements more stringent, underwriters who can navigate these complexities while maintaining efficiency will find themselves in high demand across multiple sectors.

Junior Underwriter Resume Example

Samantha Chen

(617) 555-8249 • samantha.chen@email.com • linkedin.com/in/samanthachen • Boston, MA 02116

Detail-oriented Underwriter with 2 years of experience in financial risk assessment and loan evaluation. Strong analytical skills with a proven track record of processing 120+ loan applications monthly while maintaining 96% accuracy rate. Quick learner who stays current with regulatory changes and underwriting guidelines. Looking to grow my career at a dynamic financial institution where I can apply my risk analysis expertise.

EXPERIENCE

Junior Underwriter – Commonwealth Financial Group, Boston, MA
May 2022 – Present

  • Evaluate and analyze 30+ personal loan applications weekly, assessing creditworthiness based on income verification, credit history, and debt-to-income ratios
  • Reduced application processing time by 19% through improved document organization techniques and process optimization
  • Collaborate with loan officers to obtain missing documentation and clarify application details, maintaining a 2-day average response time
  • Participate in weekly team meetings to discuss policy updates and challenging cases, contributing to development of best practices
  • Successfully completed 3-month mentorship program under senior underwriter, exceeding performance targets by 12%

Underwriting Assistant – First Boston Credit Union, Boston, MA
June 2021 – May 2022

  • Supported senior underwriters by gathering and verifying applicant documentation for auto loans and personal lines of credit
  • Performed initial risk assessment screenings on 45+ applications per week, flagging potential issues for further review
  • Maintained organized digital filing system for 1,000+ loan applications, improving team efficiency
  • Assisted with monthly reporting and data entry, reducing errors by 22% compared to previous quarter

Credit Analyst Intern – Eastern Financial Partners, Cambridge, MA
January 2021 – May 2021

  • Conducted preliminary credit checks and income verification for small business loan applications
  • Shadowed senior underwriters to learn risk assessment techniques and underwriting guidelines
  • Helped prepare weekly status reports tracking application volumes and approval rates

EDUCATION

Bachelor of Science in Finance – Boston University, Boston, MA
Graduated: December 2020
GPA: 3.7/4.0
Relevant Coursework: Risk Management, Financial Analysis, Banking Regulations, Business Statistics

CERTIFICATIONS

  • Mortgage Loan Originator (MLO) License – NMLS #2045678 (2022)
  • Fundamentals of Credit Analysis – Moody’s Analytics (2021)
  • Excel for Financial Analysis – LinkedIn Learning (2021)

SKILLS

  • Risk Assessment & Analysis
  • Credit Evaluation
  • Financial Statement Analysis
  • Regulatory Compliance (TILA, RESPA)
  • Loan Documentation Review
  • Customer Communication
  • Mortgage Origination Software
  • Equifax, Experian & TransUnion
  • Microsoft Office Suite
  • Salesforce CRM

ADDITIONAL

Active member of Risk Management Association (RMA) – Boston Chapter
Volunteer financial literacy instructor at Boston Public Library (monthly workshops)

Mid-level Underwriter Resume Example

Michael J. Harrison

Denver, CO 80202 • (720) 555-8429 • m.harrison@emailprovider.com • linkedin.com/in/mjharrison

Detail-oriented Underwriter with 6 years of experience evaluating insurance risks across property, casualty and specialty lines. Known for thorough analysis and maintaining a 92% approval rate while keeping loss ratios 14% below department average. Comfortable handling applications from $50K to $3.2M with particular strength in commercial real estate and manufacturing sectors.

PROFESSIONAL EXPERIENCE

Senior Underwriter – Pinnacle Insurance Group, Denver, CO

March 2021 – Present

  • Evaluate and price commercial property risks up to $3.2M, specializing in manufacturing facilities and multi-tenant office buildings
  • Lead team of 3 junior underwriters, providing mentorship and conducting quarterly performance reviews
  • Reduced turnaround time for complex applications from 7 days to 4 days while maintaining quality standards
  • Collaborated with actuarial team to revise pricing model for flood-prone properties, resulting in 17% premium growth without increasing loss exposure
  • Maintain relationships with 27 broker partners, regularly exceeding service SLAs by 9%

Underwriter – Liberty Mutual Insurance, Denver, CO

June 2019 – February 2021

  • Assessed and priced risks for small-to-medium business accounts across property and general liability lines
  • Processed 45-60 applications weekly with consistent 24-hour turnaround for standard risks
  • Identified fraud patterns in restaurant applications that saved approximately $278K in potential losses
  • Selected to participate in cross-functional project team to implement new underwriting software platform

Underwriting Associate – Colorado First Insurance, Boulder, CO

August 2017 – May 2019

  • Supported senior underwriters in gathering supplemental information and conducting initial risk assessments
  • Prepared policy documents and endorsements for commercial auto and business owner’s policies
  • Built and maintained tracking spreadsheet that improved team workflow efficiency by 22%
  • Promoted from Underwriting Assistant after 9 months (normally a 12-18 month progression)

EDUCATION

Bachelor of Science in Business Administration, Finance Concentration

University of Colorado Boulder, 2017

GPA: 3.7/4.0

CERTIFICATIONS

  • Chartered Property Casualty Underwriter (CPCU) – In progress, 5/8 exams completed
  • Associate in Commercial Underwriting (AU) – 2020
  • Associate in General Insurance (AINS) – 2018

TECHNICAL SKILLS

  • Advanced: Guidewire PolicyCenter, Microsoft Excel (including VLOOKUP, pivot tables)
  • Proficient: Vertafore ImageRight, SQL queries, Tableau, PowerPoint
  • Familiar: R statistical programming, SAS, Bloomberg Terminal

INDUSTRY KNOWLEDGE

  • Property & Casualty Underwriting
  • Risk Analysis & Mitigation
  • Policy Endorsements
  • Reinsurance Fundamentals
  • Regulatory Compliance (especially CO, WY, UT markets)

Senior / Experienced Underwriter Resume Example

STEPHANIE RODRIGUEZ

Chicago, IL • (312) 555-8947 • srodriguez.underwriter@email.com • linkedin.com/in/stephrodriguez

Senior Commercial Underwriter with 11+ years of experience evaluating complex risks across multiple industries. Consistently kept up loss ratios below 52% while exceeding production targets. Known for building strong broker relationships and developing junior team members. Skilled in both traditional and automated underwriting approaches with know-how in manufacturing, real estate, and healthcare sectors.

PROFESSIONAL EXPERIENCE

LIBERTY MUTUAL INSURANCE – Chicago, IL

Senior Commercial Lines Underwriter | June 2019 – Present

  • Manage $17.4M book of business with 89% retention rate across middle-market commercial accounts ($250K-$1.5M premium)
  • Lead underwriting for complex risks in manufacturing sector, personally handling 75+ accounts with total premium exceeding $8.2M
  • Developed and implemented risk assessment matrix that reduced evaluation time by 31% while maintaining quality standards
  • Mentor 4 junior underwriters, creating training materials and conducting monthly performance reviews
  • Collaborate with claims department to identify emerging loss trends, resulting in policy language adjustments that reduced claim frequency by 18%

TRAVELERS INSURANCE – Chicago, IL

Commercial Underwriter II | March 2016 – May 2019

  • Underwrote and maintained diverse portfolio of 120+ commercial accounts with combined premium of $11.3M
  • Achieved 93% of new business target while maintaining loss ratio of 48.7% (7.3% below department average)
  • Specialized in healthcare facility risks, becoming team’s subject matter expert for assisted living and outpatient facilities
  • Partnered with Risk Engineering to develop customized loss control programs for 15 high-risk accounts
  • Recognized with “Excellence in Underwriting” award (2018) for developing creative solution for hard-to-place medical device manufacturer

NATIONWIDE INSURANCE – Columbus, OH

Underwriter I / Underwriting Assistant | August 2012 – February 2016

  • Started as underwriting assistant, promoted to Underwriter I after 19 months based on performance
  • Managed renewal process for 175+ small business accounts ($25K-$150K premium range)
  • Assisted senior underwriters with data collection, risk analysis, and policy issuance
  • Created spreadsheet automation that reduced policy processing time from 45 to 28 minutes per submission
  • Selected to participate in company’s “Future Leaders” program (2015) – one of 12 employees chosen nationally

EDUCATION & CERTIFICATIONS

Bachelor of Business Administration, Risk Management & Insurance
Ohio State University, Columbus, OH – 2012

Certifications:

  • Chartered Property Casualty Underwriter (CPCU) – 2018
  • Associate in Commercial Underwriting (AU) – 2015
  • Associate in General Insurance (AINS) – 2013

TECHNICAL SKILLS

  • Underwriting Systems: Guidewire, Duck Creek, Vertafore
  • Risk Modeling: ISO Risk Analyzer, AIR Worldwide, RMS
  • Microsoft Office Suite (Advanced Excel including VBA macros)
  • Salesforce CRM & Tableau data visualization
  • Commercial lines know-how: GL, Property, Auto, Workers’ Comp, Umbrella

PROFESSIONAL AFFILIATIONS

  • Society of CPCU – Chicago Chapter, Member since 2018
  • Insurance Industry Charitable Foundation, Volunteer Committee Member
  • Women in Insurance Leadership Forum, Participant

How to Write an Underwriter Resume

Introduction

Landing that perfect underwriting job starts with a resume that showcases your risk assessment expertise, analytical skills, and industry knowledge. I've reviewed thousands of underwriter resumes over my career, and the difference between those that get interviews and those that don't often comes down to how effectively candidates communicate their value. Whether you're in insurance, mortgage, or commercial underwriting, your resume needs to demonstrate your ability to evaluate risk accurately while maintaining portfolio growth.

Resume Structure and Format

Keep your underwriter resume clean and easy to navigate. Financial services employers appreciate organization and attention to detail—qualities that are essential in underwriting roles!

  • Stick to 1-2 pages (one page for junior underwriters, two pages acceptable for seniors with 7+ years experience)
  • Use a conservative, professional font like Calibri, Arial, or Georgia at 10-12pt size
  • Include clear section headings with white space between sections
  • Save your file as a PDF (unless specifically asked for a .docx) to preserve formatting
  • Name your file professionally: "FirstName_LastName_Underwriter_Resume.pdf"

Profile/Summary Section

Your professional summary should be 3-4 lines that capture your underwriting specialty, years of experience, and biggest strengths. Think of it as your 30-second elevator pitch.

Pro Tip: Customize your summary for each application by mentioning the specific type of underwriting the employer needs (mortgage, commercial, life insurance, etc.) and mirror language from the job posting.

For example, rather than saying "Experienced underwriter with strong analytical skills," try something like: "Commercial underwriter with 5+ years evaluating mid-market business loans ($250K-$3M) and a 92% portfolio performance rate. Specialize in manufacturing sector risk assessment with experience implementing automated decisioning tools."

Professional Experience

This is where most underwriting managers focus their attention. For each role, include:

  • Company name, location, your title, and dates employed
  • Types of risks/policies/loans you assessed and dollar amounts
  • Approval authority limits (if impressive)
  • Portfolio size and performance metrics
  • Process improvements you implemented
  • Technology platforms you mastered (LOS systems, etc.)

Quantify whenever possible: "Evaluated 75+ commercial loan applications monthly with 97% accuracy rate" beats "Reviewed many loan applications accurately."

Education and Certifications

Underwriting is credential-heavy, so highlight relevant certifications prominently. Include:

  • Degree(s), institution name, graduation year (omit if over 15 years ago)
  • Industry certifications (CUE, CPCU, CLU, CRC, etc.)
  • Relevant coursework or continuing education
  • Training in specific underwriting platforms or methodologies

Keywords and ATS Tips

Most underwriting jobs at larger companies use Applicant Tracking Systems to screen resumes before human eyes see them. Beat the bots by:

  • Including specific underwriting terms from the job posting
  • Mentioning compliance frameworks you're familiar with (TRID, CFPB, etc.)
  • Listing specific risk assessment models you've used
  • Avoiding unusual formatting, headers/footers, or tables

Industry-specific Terms

Sprinkle these throughout your resume (but only if you genuinely have the experience):

  • Risk assessment methodologies you've used
  • Regulatory frameworks you understand (Basel III, Dodd-Frank, etc.)
  • Specific underwriting software (Encompass, Velocity, LoanSphere, etc.)
  • Terms like "exception rate," "risk-adjusted return," "portfolio performance"

Common Mistakes to Avoid

  • Being vague about your approval authority or portfolio size
  • Focusing only on job duties rather than achievements
  • Forgetting to highlight your analytical skills with concrete examples
  • Overlooking compliance knowledge (huge in underwriting!)
  • Using technical jargon without demonstrating practical application

Before/After Example

Before: "Responsible for reviewing loan applications and making approval decisions."

After: "Evaluated 30+ complex commercial loan applications weekly ($500K-$2.5M range), maintaining a 1.3% default rate while increasing approval volume by 17% through implementation of streamlined exception protocols."

Remember—your resume should tell the story of how you've balanced risk management with business growth. That's the eternal tension in underwriting, and employers want to see how you've navigated it successfully!

Soft skills for your Underwriter resume

  • Risk assessment intuition – that sixth sense for spotting red flags others miss (even when data looks fine on paper)
  • Stakeholder relationship management, especially navigating tough conversations with brokers when terms need adjustment
  • Translating complex policy language into plain English for non-insurance colleagues
  • Adaptability to shifting market conditions and regulatory changes (I survived the 2018 GDPR implementation!)
  • Detail orientation without getting bogged down in analysis paralysis
  • Tactful negotiation skills – finding that sweet spot between competitive pricing and acceptable risk exposure

Hard skills for your Underwriter resume

  • Risk assessment modeling using Excel and proprietary systems (PRISM, Moody’s)
  • Mortgage underwriting in accordance with Fannie Mae/Freddie Mac guidelines
  • Financial statement analysis (cash flow, balance sheets, income statements)
  • Commercial property valuation and loan-to-value calculations
  • Documentation review for compliance with BSA/AML regulations
  • Credit scoring interpretation (FICO, Vantage 3.0, custom models)
  • Loan origination software proficiency (Encompass, Calyx Point)
  • Fraud detection techniques using Red Flag indicators
  • Insurance policy endorsement analysis and premium calculation