Sample underwriter job description

At [Company X], we take pride in our attention to detail. We are searching for a qualified underwriter to leave no stone unturned throughout our meticulous application process, ensuring that approved loans align with our business goals and that all regulatory requirements are met. The ideal candidate will be highly organized, skilled at creating risk assessment reports, and comfortable working on multiple projects at once. As you grow your book of business with us, you’ll be given opportunities to grow within our company.

Objectives of this role

  • Mitigate company lending/insuring risk by carefully analyzing applicants’ information and making strong recommendations based on findings

  • Work seamlessly with loan processors/insurance agents and other team members to ensure a smooth, speedy application process for potential clients 

  • Determine appropriate loan/premium amounts for each applicant, adhering to company policies and standards

  • Uncover any undisclosed debt, cash flow issues, or other missing financial information

  • Understand the rules and regulations that govern lending or insuring in the country of hire

  • Ensure that all loan/policy applications and files are complete and accurate


  • Review approved loans/insurance policies to ensure that all legal regulations, required conditions, and company policies are met 

  • Research all areas of an applicant’s financial background, including employment history, credit reports, and banking and asset information 

  • Analyze financial information and create comprehensive risk assessment reports for each applicant, communicating findings clearly with team members

  • Advise the company on whether or not to approve an application based on risk assessment

  • Proofread files before they are submitted for approval, correcting any errors and filling in any incomplete details

Skills and qualifications

  • Meticulous attention to detail

  • Strong data analysis capabilities and the ability to clearly communicate findings through reports

  • Comfortable multitasking and managing multiple projects simultaneously

  • Ability to conduct thorough and accurate research

  • Knowledge of applicable lending or insuring regulations relevant to the industry

  • Strong interpersonal skills, with the ability to provide quality customer service

Preferred qualifications

  • Bachelor’s (or equivalent) degree (or equivalent experience) in finance, business, or related field

  • Excellent verbal and written communication skills

  • Advanced knowledge of the market

  • Familiarity with analysis and statistics-focused software programs