About At-Bay 

At-Bay is the world’s first InsurSec provider designed from the ground up to help businesses tackle cyber risk head on. By combining industry-leading insurance with world-class cybersecurity technology, At-Bay offers end-to-end prevention and protection for the digital age. With 98% of cyber insurance claims in the past five years coming from small and mid-size businesses with revenue under $2B, providing an integrated solution to help manage risk is more critical than ever.

At-Bay helps its 35,000+ customers close their security technology and skills gap — all through their cyber insurance policy — making them less likely to be hit with a ransomware attack. As a full-stack insurance company, At-Bay offers multiple lines of specialty insurance, including Cyber, Tech E&O, and Miscellaneous Professional Liability (MPL) policies.

As an Underwriter at Splitero, you will make risk assessment decisions on applications for our Home Equity Investment (HEI) product, a modern alternative to traditional financing with no income requirements or monthly payments. In this pivotal role, you will analyze risk factors against our underwriting guidelines, policies, and procedures, and partner closely with our Processing team and homeowners to bring files to closing with clarity and purpose.

About the Job

• Own your pipeline from initial review through final approval, maintaining a consistent daily review cadence and meeting quality standards measured through regular QA review of your files.
• Identify the right conditions for each file: purposeful, proportionate, and defensible, and communicate the reasoning clearly to processors and homeowners.
• Ensure title to the property is free of restrictions, leases, liens, and other encumbrances, and identify the specific conditions needed to cure any title issues.
• Conduct thorough appraisal reviews, identifying value concerns, property condition flags, and comparables that may affect the investment decision.
• Review and analyze loan modifications to assess their impact on lien position, product features, and eligibility.
• Review trust documentation to confirm vesting, trustee authority, and compliance with Splitero guidelines.
• Monitor and approve that all conditions are met prior to funding.

The salary range for this position is $90,000 - $110,000 per year. Within the range, individual pay is determined by job-related skills, experience, and relevant education or training.

About You

• 3+ years of experience underwriting residential real estate or home equity products.
• Deep experience reviewing and analyzing credit reports, property title reports, appraisal reports, mortgage statements, deeds of trust, and recorded instruments such as loan modification agreements and UCC filings.
• Strong title curative knowledge: you understand what specific conditions are needed to resolve liens, encumbrances, and title exceptions, and you can explain the why clearly.
• Strong appraisal review skills, including the ability to identify value concerns, property condition issues, and unsupported comparables.
• Solid understanding of loan modifications, including their impact on lien position, product features, and how they factor into the underwriting decision.
• Trust review experience is a significant plus, with familiarity with trust vesting, trustee authority, and the documentation needed to confirm homeowner eligibility.
• A calibrated, purposeful approach to conditioning: you ask what each condition is curing, condition with precision, and can provide your reasoning to processors and sales in plain language.
• A collaborative communicator who sees processors and homeowners as partners and gives context with every condition, not just a list.
• A creative problem solver who approaches complex files with curiosity and finds ways to get homeowners across the finish line.
• Experience with loan processing systems or robust CRM systems such as Salesforce.
• Incredible attention to detail, ensuring accuracy and thoroughness in every aspect of your work.
• The ability to work efficiently and independently on your pipeline.
• Availability to work until 6pm PST strongly preferred
• Adaptability: Embraces change with resilience and positivity.
• Team Oriented: Prioritizes collaboration, inclusivity, and teammate support.

About Us

Millions of homeowners in today’s economy are sitting on substantial home equity they are unable to access due to rising interest rates and strict qualification requirements of traditional lenders. That means millions of homeowners can’t convert their hard-earned equity into cash to pay off debt, start a home renovation, or pad their retirement to better their lives.

Splitero co-founders Michael Gifford and David Zvaifler witnessed the problem firsthand throughout their real estate careers. They set out to create a win-win product that could help those homeowners access their home equity but not make monthly payments like traditional financing options. And thus, Splitero was born.

As part of our team, you will join our quest to revolutionize the real estate industry while helping families in need. We offer a suite of benefits designed to help you thrive in all areas of life.

• Fully Remote Team - Our remote-first culture allows us to hire the best people, regardless of location.
• OneTeam Culture - We foster a culture of transparency, innovation, and inclusivity, where every voice is heard and every team member is valued. We believe in celebrating our successes, doing the right thing, and helping each other so we grow as a team and as individuals.
• Generous Resources - We want to ensure you are set up to do your best work. In addition to a solid tech stack, and access to any WeWork location, you will receive a monthly cell and internet stipend.
• Premium Healthcare - We offer comprehensive healthcare plans for you and your family, which employees are eligible for on their first day.
• Flexible PTO and Parental Leave - We offer a generous PTO and encourage employees to take time off to recharge. We're proud to offer a parental leave policy that allows you to welcome your new addition without worry.

We are a workforce composed of individuals with diverse backgrounds, abilities, minds, and identities. In keeping with our commitment to inclusion, we will ensure that people with disabilities are provided reasonable accommodations. If reasonable accommodations are required when applying, interviewing, or performing the essential functions of this position, please contact People Operations, at peopleops@splitero.com.

Underwriting Manager

About Ladder

We saw a problem within the life insurance industry: getting covered took too long, involved too much paperwork, and required too many in-person meetings with sales agents. Having lost his father at a young age, our CEO, Jamie, was determined to make it easier for people to get the coverage they needed to provide for their families. So, we got to work. We developed a method of real-time underwriting leveraging AI and, in doing so, reduced the months-long process of applying for life insurance to minutes. Our digital experience is quick (instant decisions!), loved by users (check out our Trustpilot or Google reviews) and prolific ($74 billion+ in coverage provided).

About the role  

This is a remote role based in one of the 23 States Ladder is currently hiring in - AZ, CA, CO, FL, GA, IA, KS, MA, MD, MN, NC, NE, NH, NJ, NV, NY, OH, OR, PA, TX, VA, WA, WI.  Please note, Ladder is not currently sponsoring or transferring OPT or H1-B visas.

We believe life insurance innovation must happen in the context of sound underwriting decisions. The Underwriting Manager will lead a team of internal and external case underwriters,  as well collaborate with engineering, design, data science, actuarial, and marketing as we design new marketing campaigns, product features, and data models to help users have the most delightful experience possible.

• Bring your expertise as an underwriter to cross-functional Ladder work teams.
• Evaluate medical and personal history on life insurance applications up to $8 million face amount.
• Participate in development of the Underwriting team members.
• Collaborate with the Underwriting Audit team to enhance Underwriting Guidelines and clearly communicate audit finding feedback to the Underwriting team.
• Work closely with the Customer Experience and Compliance teams to answer underwriting related questions and share underwriting knowledge.
• Be comfortable both underwriting and applying your knowledge to systems and processes.
• Report to the Head of Underwriting.

Who You Are

• A master of collaboration who is comfortable working with many cross-functional stakeholders.
• An innovator. Someone who is passionate about insurance, and wants to help create a new paradigm to make insurance more accessible and affordable for the next generation of buyers.
• A strategic thinker and builder.  Someone who wants to apply their life insurance underwriting expertise to help drive Ladder’s success.
• A data-driven and structured thinker. Someone who is comfortable with data and will look to translate audit findings into actionable insights.
• An optimist, committed to continuous learning, iteration, and user-centered everything.
• A great communicator who listens well, asks questions, and has a sense of humor.
• A thoughtful leader who empowers others, fosters accountability, and creates an environment where team members can do their best work.

Experience Required

• 3-5 years of people leadership experience
• 8+ years of life insurance underwriting experience at a leading carrier or reinsurer.
• Experience in developing underwriting guidelines and programs.
• Demonstrated interest in innovation and better serving end users.
• Experience with accelerated underwriting and third-party evidence providers is a plus.

What we Offer 

Ladder is highly collaborative and fun. To support you in your role, we offer fantastic perks and benefits that reflect our mission of care and support, including:

• Excellent medical, dental, and vision coverage | We offer competitive healthcare, dental and vision plans for you and your family.
• Flexible paid time off | Take the time that you need to rest and recharge, including our week-long winter holiday closure. 
• Stock options | We offer competitive stock option packages to participate in the success of building Ladder
• A rewarding 401k match program | We'll match up to 4% of your contributions as you save for your retirement goals.
• Ladder Fit Program | Your health matters. That’s why Ladder provides a monthly reimbursement for wellness-related expenses.
• Commuter benefits | When you work from the office, you will receive pre-tax 
• benefits for your commute and free parking.
• A stocked, beautiful new office | Located in downtown Palo Alto, our office was specifically designed to accommodate all working styles. We've invested in technology to support our hybrid team, plus we provide office snacks and daily catered lunches so that team members can work well and have fun together.
• Paid parental leave | We think it's crucial that new parents have time to adjust to their new lives without worrying about work, so we provide all parents inclusive of birthing, adoption, or fostering ten weeks of paid baby bonding.
• Work-from-home flexibility and support | We recognize that everyone's homelife is different and support remote and hybrid work. Upon joining, we provide a one-time remote office stipend for all team members and then a monthly stipend to cover WFH costs such as the internet.
• Fun company-wide events | Whether we work locally or remotely, we genuinely enjoy spending time together. That’s why we plan fun virtual and in-person events to let loose and laugh.

 The base pay range targeted for this position is $100,000 to $150,000. This role is eligible for equity and benefits as shared above. Base pay is determined by market location and may vary depending on job-related knowledge, skills, and experience.

Ladder is building a diverse team of talented and enthusiastic people. We are an equal opportunity workplace. At Ladder, differences are celebrated and supported to benefit our people, product, and community. Let us know why you're interested in this position and what unique contributions you can make to the Ladder team. We look forward to hearing from you.

Research shows that candidates from underrepresented backgrounds often don't apply for roles if they don't meet all the criteria – unlike majority candidates meeting significantly fewer requirements. We strongly encourage you to apply if you’re interested: we'd love to know how you can elevate our team with your unique experience!

By clicking "Submit Application," you acknowledge that you have read and agree to the Ladder Job Applicant Privacy Policy and Notice at Collection. 

Lendz Financial offers a full-service direct wholesale residential mortgage lending platform, built to help mortgage brokers grow their businesses through simplified processes, intuitive technology, and a modern, customer-first approach. We provide competitive rates, a diverse Non-QM product suite, and fast turnaround times—backed by a collaborative, high-performance culture.

Our core values—Thrive Together, Act Like an Owner, and Exceed Expectations—guide how we work, how we lead, and how we support one another. Lendz is proud to be certified as a Great Place to Work, and we’re committed to developing talent that grows with us.

About the Role

Lendz Financial is seeking a motivated and detail-oriented Non-QM Underwriter to join our growing operations team. This role is ideal for an underwriter with a strong foundation in mortgage credit who is eager to deepen their Non-QM expertise and grow within a supportive, high-accountability environment.

You’ll underwrite complex loan files across Non-QM programs such as Bank Statement, DSCR, Asset Utilization, and 1099 income, while partnering closely with Sales, Account Managers, and Operations to deliver thoughtful, well-supported underwriting decisions. This is a fully remote position with clear performance expectations, ongoing coaching, and opportunities for professional growth.

What You’ll Do

• Underwrite residential mortgage loan applications in compliance with company, investor, and regulatory guidelines
• Analyze borrower credit, assets, and income, including complex income scenarios such as:
• Self-employed borrowers
• 1099 income
• Bank Statement programs
• Asset depletion and utilization
• Review and evaluate personal and business documentation, including 12- and 24-month bank statements, P&Ls, and cash flow statements
• Maintain an underwriting pipeline that meets established SLAs and productivity benchmarks
• Deliver clear, well-documented underwriting decisions and conditions aligned with program guidelines
• Provide written justification for loan decisions and required conditions
• Partner with Loan Officers, Account Managers, and Operations to resolve file-level questions and move loans efficiently toward closing
• Support quality control standards, including:
• Pre-closing defect rate below 10%
• Post-closing defect rate below 5%
• Stay current on Non-QM guideline updates, investor overlays, and regulatory requirements
• Contribute to a collaborative team environment focused on continuous improvement and shared success

What We’re Looking For

• 2–5 years of mortgage underwriting experience, including exposure to Non-QM or alternative documentation loans
• Working knowledge of Non-QM products such as:
• Bank Statement programs
• DSCR
• Asset Utilization
• 1099 income
• Strong analytical skills with the ability to evaluate complex borrower profiles
• Clear, professional written and verbal communication skills
• A coachable mindset with a desire to learn, grow, and evolve within the role
• Strong time management skills and the ability to prioritize in a fast-paced environment
• Sound judgment, attention to detail, and a high level of accountability

What We Offer

• Highly subsidized medical insurance
• Low-cost dental and vision insurance
• 401(k) program
• Health Savings Account (HSA)
• Generous paid time off and company holidays
• Ongoing training, mentorship, and professional development opportunities
• A collaborative, supportive work environment that values ownership and growth

AI Underwriter

The Role 

• Computer Vision — helping evaluate and validate AI systems that analyze property imagery for risk assessment purposes.
• Generative AI — informing the development of AI-powered tools that assist in quote generation, risk narratives, and underwriting workflows.
• Predictive Modeling — contributing your underwriting expertise to proprietary risk models, helping drive more accurate and data-driven outcomes across our book of business.

What You’ll Do

• Partner closely with AI researchers and engineers throughout the full model lifecycle — from early research and development through post-production monitoring. Translate complex underwriting guidelines into clear, consistent property assessments that inform and improve AI models. 
• Conduct in-depth property reviews to identify gaps or weaknesses in current AI models and recommend improvements.
• Supervise labeling teams to ensure accurate property classification in production models.
• Provide training and ongoing guidance to annotation teams; perform continuous quality assurance on annotation projects.
• Assist in the discovery and evaluation of new and revised AI models, contributing underwriting subject matter expertise.
• Maintain open, proactive communication across underwriting and AI teams. Take on special projects and assignments as the team's needs evolve.

Basic Requirements

• 4+ years of underwriting/insurance experience (commercial preferred)  
• Bachelor’s degree or equivalent education/experience preferred
• Retail agency relationship preferred
• Curiosity, hardworking, self-accountable, positive attitude, humble and fun
• Have an opinion, share your opinion and be open to other opinions
• Passion to obtain, retain and employ knowledge – as well as share knowledge
• Excellent verbal and written communication skills
• Strong analytical skills and attention to detail

Benefits:

• Salary: $100,000 - $120,000
• ISO stock options
• Medical, dental, and vision coverage for you and your dependents
• HSA with company contributions
• 401(k) with employer match
• Flexible time off
• 10 company-paid holidays
• Paid family leave

Honeycomb is committed to fair and equitable compensation practices. The base salary range listed in each job posting represents our good faith estimate of what we expect to pay for the role. Actual compensation may vary based on skills, experience, education, and location, as well as internal alignment and market factors.

Foundation Risk Partners, one of the fastest growing insurance brokerage and consulting firms in the US, is adding a Senior Underwriter to their Corporate Synergies team in Philadelphia Metro Region. 

Job Summary:

The Senior Underwriter partners closely with the Vice President of Underwriting and Account Management team to support complex health and welfare programs. This role is integral in driving renewal strategy, analyzing claims data, and ensuring accuracy and consistency across underwriting deliverables for both fully insured and self‑insured clients.

Essential Functions:

• Analyze carrier renewals and manage ongoing carrier interactions
• Review proposals and underwriting materials for accuracy and completeness
• Review and analyze claims reports; oversee claims reporting for self‑insured clients
• Develop self‑insured budgets, including premium equivalent rate calculations
• Prepare fully insured pre‑renewal projections and financial models
• Participate in pre‑renewal and renewal strategy meetings with internal teams and clients
• Conduct ad hoc claims and utilization analyses as needed

Competencies & Qualifications: 

• Proven ability to build strong relationships with clients, carriers, and internal partners
• In‑depth knowledge of carrier processes, plan designs, funding arrangements, and stop‑loss contracts
• Strong analytical, organizational, and attention‑to‑detail skills
• Excellent written and verbal communication abilities
• Proficiency in Microsoft Office Suite (Excel, Word, PowerPoint)
• Ability to manage multiple priorities in a fast‑paced environment
• Comfortable working both independently and as part of a collaborative team

Education & Experience:

• Bachelor’s degree preferred
• Minimum of 5+ years of underwriting experience with a health and welfare carrier or brokerage, supporting employer groups of 100+ lives

Foundation Risk Partners, one of the fastest growing insurance brokerage and consulting firms in the US, is adding a Senior Underwriter to their Corporate Synergies team in Philadelphia Metro Region. 

Job Summary:

The Senior Underwriter partners closely with the Vice President of Underwriting and Account Management team to support complex health and welfare programs. This role is integral in driving renewal strategy, analyzing claims data, and ensuring accuracy and consistency across underwriting deliverables for both fully insured and self‑insured clients.

Essential Functions:

• Analyze carrier renewals and manage ongoing carrier interactions
• Review proposals and underwriting materials for accuracy and completeness
• Review and analyze claims reports; oversee claims reporting for self‑insured clients
• Develop self‑insured budgets, including premium equivalent rate calculations
• Prepare fully insured pre‑renewal projections and financial models
• Participate in pre‑renewal and renewal strategy meetings with internal teams and clients
• Conduct ad hoc claims and utilization analyses as needed

Competencies & Qualifications: 

• Proven ability to build strong relationships with clients, carriers, and internal partners
• In‑depth knowledge of carrier processes, plan designs, funding arrangements, and stop‑loss contracts
• Strong analytical, organizational, and attention‑to‑detail skills
• Excellent written and verbal communication abilities
• Proficiency in Microsoft Office Suite (Excel, Word, PowerPoint)
• Ability to manage multiple priorities in a fast‑paced environment
• Comfortable working both independently and as part of a collaborative team

Education & Experience:

• Bachelor’s degree preferred
• Minimum of 5+ years of underwriting experience with a health and welfare carrier or brokerage, supporting employer groups of 100+ lives

Job Summary:

• Adhere to underwriting guidelines and execute underwriting and pricing strategies to maintain profitability goals. Use level of authority to accept, reject, or mitigate risk for applications.
• Approve or decline insurance applications within certain limits and issue coverage and prepare referral submission for risks exceeding individual authority.
• Review and analyze risk characteristics on insurance applications, renewals, and change requests.
• Ensure that underwriting activities comply with all industry and government regulations.  
• Documentation of Underwriting files including risk analysis and pricing justification in accordance with established underwriting standards.
• Offer recommendations to clients on insurance applications to reduce exposure to excessive risk.  
• Utilize underwriting guidelines, rules, standards, and levels of authority to accept, reject, or mitigate risk for applications and determine appropriate premiums, limits, and coverages.  
• Cultivate relationships with assigned producers to achieve production goals.
• Collaborate closely with the underwriting team to finalize insurance applications efficiently.
• Utilize multiple databases to gather and verify supplementary data for submissions and leverage specialized software to compare risks ensuring accurate policy pricing.
• Respond to customer needs, providing guidance and assistance tailored to their insurance needs.
• Process accounts from approved quotes through to policy issuance with accuracy and efficiency.
• Recommend ideas for program development and process improvement.
• Assist in the development of the Underwriting team through sharing knowledge and market intelligence, collaboration, and mentoring relationships.  

• Bachelor’s degree required or 10+ years of related experience 
• Minimum 5 years of Workers Compensation underwriting or related insurance experience required
• Experience underwriting risk for the following classes: construction, hospitality, real estate, manufacturing
• CPCU, CIC, CRIS, Property & Casualty Brokers License, etc. a plus
• Strong customer service experience
• Proficiency in Microsoft Office Suite and ability to quickly learn industry-specific software
• Ability to work collaboratively with team members and other departments
• Strong desire to learn, explore new ideas, and seeking out new knowledge
• Ability to be flexible, embrace change, and quickly pivot in response to shifting priorities 

This role also offers bonus pay. Your Talent Acquisition representative will share more details about the bonus component should you advance in the interview process.

Job Summary

Review workers compensation applications for insurance and evaluate applications to determine whether to accept or decline coverage based on established underwriting guidelines. Determine the level of coverage to be offered and appropriate pricing based on the exposures presented and individual risk characteristics. Assess excessive risks and determine value of policy to ensure safe and profitable distribution of risks. Become familiar with various commercial insurance applications and industry terminology. This is a career level position.  

Position Responsibilities

• Adhere to underwriting guidelines and execute underwriting and pricing strategies to maintain profitability goals. Use level of authority to accept, reject, or mitigate risk for applications.
• Approve or decline insurance applications within certain limits and issue coverage and prepare referral submission for risks exceeding individual authority.
• Ensure that underwriting activities comply with all industry and government regulations.  
• Documentation of Underwriting files including risk analysis and pricing justification in accordance with established underwriting standards.
• Offer recommendations to clients on insurance applications to reduce exposure to excessive risk.  
• Collaborate closely with the underwriting team to finalize insurance applications efficiently.
• Utilize multiple databases to gather and verify supplementary data for submissions and leverage specialized software to compare risks ensuring accurate policy pricing.
• Respond to customer needs, providing guidance and assistance tailored to their insurance needs.
• Process accounts from approved quotes through to policy issuance with accuracy and efficiency. 

Minimum Qualifications

• Bachelor’s degree required
• Minimum 3 years of workers compensation underwriting or related insurance experience required
• CPCU, CIC, CRIS, Property & Casualty Brokers License, etc. a plus
• Strong customer service experience
• Proficiency in Microsoft Office Suite and ability to quickly learn industry-specific software
• Ability to work collaboratively with team members and other departments
• Strong desire to learn, explore new ideas, and seeking out new knowledge
• Ability to be flexible, embrace change, and quickly pivot in response to shifting priorities  

Role Progression 

The next level role is Senior Underwriter.

This role also offers bonus pay. Your Talent Acquisition representative will share more details about the bonus component should you advance in the interview process.

The word ‘credit’ is derived from the latin verb meaning, “one believes”. Underwriting is not merely a science of risk scoring and algorithms, but also an art of unearthing hidden variables, and of subtle pattern recognition; bridging the gap between that of real and perceived risk. The established lending frameworks shun the intrepid entrepreneur, deeming them too risky, and lacking certain credibility. Fortunate for them, Mercury provides banking* for these ambitious startups, and they are in need of believers. 

As a Senior Credit Underwriter, you will be joining a team of lending experts with experience spanning unsecured cards to secured commercial credit. You will help shape our Working Capital loan product designed for eCommerce, software and managed services companies with a vision to extend to all small businesses. You will work directly with prospective borrowers to assess creditworthiness and structure creative lending solutions to support their growth. You will also partner with sales and product teams to innovate the go to market process, underwriting, and portfolio management needs of the rapidly scaling loan program. 

*Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

_____________________________________________________________________________________

As part of the journey, we would expect you to: 

• Underwrite loan application independently: Analyze quantitative and qualitative data across ecommerce, SaaS, and SMB borrowers. Structure, price, and propose loan terms that balance repayment capacity and Mercury’s risk posture.
• Own the customer-facing deal motion: Lead diligence calls with prospective borrowers, co-pilot active negotiations with AEs, provide real-time eligibility and structuring guidance, and support the sales team on complex or competitive applications from first touch through close.
• Monitor portfolio health: Support ongoing covenant monitoring, delinquency tracking, and portfolio review processes. Contribute to monthly portfolio reviews with early warning signal identification.
• Contribute to credit standards: Support drafting and refinement of underwriting guidelines, risk rating frameworks, and policy documentation.
• Work cross-functionally: Partner with Sales, Product, Engineering, and Data Science to improve the underwriting process, customer experience, and credit infrastructure.

What we are looking for:

• 5+ years of credit or underwriting experience in Fintech, SMB, or commercial lending, with meaningful customer-facing experience
• Strong credit fundamentals: financial statement analysis, risk rating, cash flow assessment, and identification of structural mitigants across diverse business models.
• Direct deal experience: has been in the room with customers during negotiations, underwriting calls, and structuring conversations — not just behind the analysis.
• Builder mindset: comfortable operating in a high-growth environment where process, tooling, and infrastructure are still being defined. 
• Cross-functional fluency: experience working alongside Sales, Legal, Product, and Engineering. Able to translate credit requirements into language that lands across teams.
• Exposure to regulated lending or institutional credit frameworks is a plus. Familiarity with credit file standards, lending policy documentation, and examination-ready governance practices is helpful as Mercury approaches bank charter, not a hard requirement.

The total rewards package at Mercury includes base salary, equity (stock options), and benefits.

Our salary and equity ranges are highly competitive within the SaaS and fintech industry and are updated regularly using the most reliable compensation survey data for our industry. New hire offers are made based on a candidate’s experience, expertise, geographic location, and internal pay equity relative to peers.

Our target new hire base salary ranges for this role are the following:

• US employees located in New York City, Los Angeles, Seattle, or the San Francisco Bay Area: $142,900 - $160,700
• US employees located outside of New York City, Los Angeles, Seattle or the San Francisco Bay Area: $128,600 - $144,600
• Canadian employees (any location): CAD $135,000 - $151,900

Mercury values diversity & belonging and is proud to be an Equal Employment Opportunity employer. All individuals seeking employment at Mercury are considered without regard to race, color, religion, national origin, age, sex, marital status, ancestry, physical or mental disability, veteran status, gender identity, sexual orientation, or any other legally protected characteristic. We are committed to providing reasonable accommodations throughout the recruitment process for applicants with disabilities or special needs. If you need assistance, or an accommodation, please let your recruiter know once you are contacted about a role.

We use Covey as part of our hiring and / or promotional process for jobs in NYC and certain features may qualify it as an AEDT. As part of the evaluation process we provide Covey with job requirements and candidate submitted applications. We began using Covey Scout for Inbound on January 22, 2024.

[Please see the independent bias audit report covering our use of Covey for more information.] 

#LI-AR1

Job Summary

ISC's Hospitality team is looking for a goal oriented, team player to join the team! This role is responsible for reviewing complex, high-risk insurance applications and evaluating the level of risk against established guidelines to determine eligibility for coverage.

Position Responsibilities

• Communicate with brokers via phone and email regarding account questions and issues
• Work a blend of new and renewal business
• Utilize industry knowledge, underwriting guidelines, rules, standards, and levels of authority to accept, reject, or mitigate risk for increasingly complex applications and determine appropriate premiums, limits, and coverages.
• Increased level of underwriting authority and administrative processing authority.
• Approve or decline insurance applications within certain limits and issue coverage and prepare referral submission for risks exceeding individual authority.
• Documentation of Underwriting files, including risk analysis and pricing justification in accordance with established underwriting standards.
• Utilize multiple databases to gather and verify supplementary data for submissions and leverage specialized software to compare risks, ensuring accurate policy pricing.

Minimum Qualifications

• Bachelor’s degree required
• Minimum of 3-5 years of underwriting or related insurance experience required
• Ability to independently evaluate risk and make appropriate determination
• Working towards Property & Casualty Brokers License, a plus
• Strong customer service experience
• Proficiency in Microsoft Office Suite and ability to quickly learn industry-specific software
• Ability to work collaboratively with team members and other departments as well as work independently
• Strong desire to learn, explore new ideas, and seek out new knowledge
• Ability to be flexible, embrace change, and quickly pivot in response to shifting priorities

Preferred Qualifications

• Experience with IMS/Netrate platforms 
• Experience at work with AI agents such as Co-pilot, Claude

This role also offers bonus pay. Your ISC Talent Acquisition representative will share more details about the bonus component should you advance in the interview process.

About At-Bay 

At-Bay is the world’s first InsurSec provider designed from the ground up to help businesses tackle cyber risk head on. By combining industry-leading insurance with world-class cybersecurity technology, At-Bay offers end-to-end prevention and protection for the digital age. With 98% of cyber insurance claims in the past five years coming from small and mid-size businesses with revenue under $2B, providing an integrated solution to help manage risk is more critical than ever.

At-Bay helps its 35,000+ customers close their security technology and skills gap — all through their cyber insurance policy — making them less likely to be hit with a ransomware attack. As a full-stack insurance company, At-Bay offers multiple lines of specialty insurance, including Cyber, Tech E&O, and Miscellaneous Professional Liability (MPL) policies.

Responsibilities 

• Manage and grow At-bay’s core wholesale broker base and GWP, making sure our brokers are getting world-class service at all times.
• Portfolio Management: Closely manage and monitor a middle market book of business, ensuring financial targets are met and implementing strategies to optimize profitability.
• Propose & negotiate price, coverage, and terms for insurance policies, and achieve favorable outcomes while balancing risk and business goals
• Solicit and analyze risk within At-bay’s guidelines and ensure proper documentation. service existing renewals and new business portfolio
• Collaborate with cyber analytics, product, marketing and other parts of At-bay to make sure brokers are getting the best At-bay has to offer 
• Work with technology and data teams to create tools to enhance the underwriting process 

Attributes and Qualifications 

• Approximately 3-6 years of experience as underwriter in cyber liability, Tech, Media E&O, Miscellaneous E&O, other E&O lines or specialty commercial insurance 
• You possess solid knowledge of specialty commercial underwriting, and insurance industry theories and practices 
• Strong technology affinity, ability to work with advanced analytics software 
• Technical background. Strong plus if you already know what DNS, IP addresses, ports, databases, and other software/computer networking concepts 
• You’re an amazing team player; you make everyone else on the team better and you don’t let your ego get in the way

Job Summary

Review applications for excess insurance and evaluate applications to determine whether to accept or decline coverage based on established underwriting guidelines. Determine the level of coverage to be offered and appropriate pricing based on the exposures presented and individual risk characteristics. Assess excessive risks and determine value of policy to ensure safe and profitable distribution of risks. Become familiar with various commercial insurance applications and industry terminology. This is a senior level position.  

Position Responsibilities

• Adhere to underwriting guidelines and execute underwriting and pricing strategies to maintain profitability goals. Use level of authority to accept, reject, or mitigate risk for applications.
• Approve or decline insurance applications within certain limits and issue coverage and prepare referral submission for risks exceeding individual authority.
• Review and analyze risk characteristics on insurance applications, renewals, and change requests.
• Ensure that underwriting activities comply with all industry and government regulations.  
• Documentation of Underwriting files including risk analysis and pricing justification in accordance with established underwriting standards.
• Offer recommendations to clients on insurance applications to reduce exposure to excessive risk.  
• Utilize underwriting guidelines, rules, standards, and levels of authority to accept, reject, or mitigate risk for applications and determine appropriate premiums, limits, and coverages.  
• Cultivate relationships with assigned producers to achieve production goals.
• Collaborate closely with the underwriting team to finalize insurance applications efficiently.
• Utilize multiple databases to gather and verify supplementary data for submissions and leverage specialized software to compare risks ensuring accurate policy pricing.
• Respond to customer needs, providing guidance and assistance tailored to their insurance needs.
• Process accounts from approved quotes through to policy issuance with accuracy and efficiency.
• Recommend ideas for program development and process improvement.
• Assist in the development of the Underwriting team through sharing knowledge and market intelligence, collaboration, and mentoring relationships.  

Minimum Qualifications

• Bachelor’s degree required
• Minimum 5 years of underwriting or related insurance experience required
• Experience underwriting risk for the following classes: construction, hospitality, habitational, real estate, manufacturing
• Experience underwriting excess risk strongly preferred
• CPCU, CIC, CRIS, Property & Casualty Brokers License, etc. a plus
• Strong customer service experience
• Proficiency in Microsoft Office Suite and ability to quickly learn industry-specific software
• Ability to work collaboratively with team members and other departments
• Strong desire to learn, explore new ideas, and seeking out new knowledge
• Ability to be flexible, embrace change, and quickly pivot in response to shifting priorities 

Role Progression

The next level role is Lead Underwriter.

This role also offers bonus in addition to base compensation. Your Talent Acquisition representative will share more details about the bonus component should you advance in the interview process.

The Team: 

The HELOC Underwriting team is responsible for evaluating loan applications and making sound, policy-aligned credit decisions. This team ensures consistent application of underwriting guidelines across approvals and declines, validates borrower income and assets, and identifies potential fraud risks. The team partners with Processing, Closing, and Quality to ensure accurate and efficient loan decisioning and funding.

As a Senior Home Lending Underwriter, you’ll partner closely with our Licensed Loan Advisors to ensure loan decisions are accurate and timely. It is your responsibility to ensure that we are originating quality, sellable loans that adhere to our underwriting policy and procedures. You will also need a keen eye for process improvements, and a track record of exceptional recommendations to enable Upstart to originate high quality loans.

How you’ll make an impact

• Approval & decline accuracy: Ensure all approval and decline decisions are well-supported, clearly documented, and consistent with credit policy and regulatory expectations.
• Income & asset validation: Accurately calculate and validate borrower income (W-2, self-employed, variable income, rental, etc.) and assess assets to determine repayment ability.
• Fraud risk identification: Review applications for potential fraud indicators (income misrepresentation, occupancy concerns, document inconsistencies, identity risk) and take appropriate action in alignment with fraud protocols.
• Documentation & compliance: Maintain complete, audit-ready loan files with clear rationale, supporting documentation, and decision notes.
• Operational consistency: Apply underwriting guidelines consistently and contribute to maintaining quality and reducing defects across the underwriting process.

Minimum Qualifications 

• 5+ years of residential mortgage underwriting experience with independent decisioning authority
• Demonstrated experience making both approval and decline decisions
• Strong experience calculating income across multiple borrower profiles (W-2, self-employed, variable income, rental income, etc.)
• Experience reviewing loan files for fraud risk and escalating concerns appropriately
• Experience working within an LOS and reviewing full loan documentation packages
• Strong documentation skills supporting credit decisions for QA/audit review

Preferred Qualifications

• Experience with HELOC-specific underwriting guidelines and second lien products
• Familiarity with fraud detection tools, red flag identification, and investigation workflows
• Experience in high-volume underwriting environments with SLA expectations
• Proficiency with Excel/Sheets for income calculation and loan analysis
• Familiarity with compliance and regulatory requirements related to mortgage underwriting

Position location This role is available in the following locations: Remote

Time zone requirements The team operates on the East / West coast time zones. 

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions’ cadence varies depending on the team and role; most teams meet once or twice per quarter for 2-4 consecutive days at a time.

#LI-Associate 

Job Summary

ISC's Excess team is looking for an Underwriting Assistant to provide support and assistance to senior underwriting staff. Perform administrative duties regarding new and renewal accounts, risk assessment, and loss runs and loss ratings. May assist senior underwriter with the computation of rates and premiums. This is a developing level position.  

Candidates considered for this position will be located within a commutable distance to our Carlsbad, CA , Buffalo, NY , or be remote from Lincoln, NE , or Phoenix, AZ.

Position Responsibilities

• Utilize understanding of exposures and risks analysis to assess loss history and current condition of finances for a case. 
• Collects, studies, and reviews documentation pertaining to risk cases, performing risk analysis to conclude whether a case is worth accepting.
• Conduct preliminary reviews of complex submissions to identify errors, omissions, and confirm eligibility.
• Collaborate closely with the underwriting team to finalize insurance applications efficiently.
• Utilize multiple databases to gather and verify supplementary data for submissions.
• Manage inbound calls, connecting customers and team members to ensure a seamless and positive experience.
• Respond to customer needs, providing guidance and assistance tailored to their insurance needs.
• Process accounts from approved quotes through to policy issuance with accuracy and efficiency. 

Minimum Qualifications

• Bachelor’s degree required
• Minimum of 1 year of P&C underwriting or related P&C underwriting support experience required
• CPCU, CIC, CRIS, Property & Casualty Brokers License, etc. a plus
• Strong customer service experience
• Proficiency in Microsoft Office Suite and ability to quickly learn industry-specific software
• Ability to work collaboratively with team members and other departments
• Strong desire to learn, explore new ideas, and seeking out new knowledge
• Ability to be flexible, embrace change, and quickly pivot in response to shifting priorities  
• Willing to work in office in a hybrid capacity if located within a commutable distance to Buffalo, NY or Carlsbad, CA

This role also offers bonus pay. Your ISC Talent Acquisition representative will share more details about the bonus component should you advance in the interview process.

What You'll Do: 

Next-generation risk assessment – deinvesting away from binary underwriting and revisioning risk selection utilizing mega data, AI and curiosity.   Modernized underwriting using cutting edge technology to more accurately and quickly assess risk, price and bespoke coverage/terms to profitably grow and manage a book of business. Honeycomb offers an environment of personal and career growth to achieve your best self through mentorship, engaging project assignments, personalized training and development, and internal and exterior exposure opportunities to expand your network and sphere of influence.

• Quote and release new and renewal business that has been either referred from underwriting algorithm or seeking changes that exceed user authority thresholds
• Analyze and approve requested policy changes
• Maintain familiarity and compliance with state insurance regulations and ISO rules for all states within assigned underwriting territory
• Maintain open, transparent and supportive communications with team members and interdivisional partners
• Monitor portfolio composition via reports, audits and inspections
• Support marketing functions and efforts to build and promote Honeycomb
• Complete special projects and assignments
• Some travel as deemed necessary <20%

Basic Requirements

• 2 -4 years of commercial insurance underwriting experience (Commercial Habitational experience strongly preferred) 
• Bachelor’s degree or equivalent education/experience preferred
• Retail agency relationship preferred
• Curiosity, hardworking, self-accountable, positive attitude, humble and fun
• Have an opinion, share your opinion and be open to other opinions
• Passion to obtain, retain and employ knowledge – as well as share knowledge
• Excellent verbal and written communication skills
• Strong analytical skills and attention to detail
• Hybrid availability: Must be able to work from our downtown Chicago office three days per week (Tuesday through Thursday)

Benefits & Compensation:

• Salary range: $85,000 - $100,000 (Pending Experience) + Bonus  
• ISO stock options
• Medical, dental, and vision coverage for you and your dependents
• HSA with company contributions
• 401(k) with employer match
• Flexible time off 
• 10 company-paid holidays
• Paid family leave

What You’ll Do

Next-generation risk assessment – deinvesting away from binary underwriting and revisioning risk selection utilizing mega data, AI and curiosity.   Modernized underwriting using cutting edge technology to more accurately and quickly assess risk, price and bespoke coverage/terms to profitably grow and manage a book of business. Honeycomb offers an environment of personal and career growth to achieve your best self through mentorship, engaging project assignments, personalized training and development, and internal and exterior exposure opportunities to expand your network and sphere of influence.

• Quote and release new and renewal business that has been either referred from underwriting algorithm or seeking changes that exceed user authority thresholds
• Analyze and approve requested policy changes
• Maintain familiarity and compliance with state insurance regulations and ISO rules for all states within assigned underwriting territory
• Maintain open, transparent and supportive communications with team members and interdivisional partners
• Monitor portfolio composition via reports, audits and inspections
• Support marketing functions and efforts to build and promote Honeycomb
• Complete special projects and assignments
• Some travel as deemed necessary <20%

Basic Requirements

• 4+ years of underwriting/insurance experience (commercial preferred)  
• Bachelor’s degree or equivalent education/experience preferred
• Retail agency relationship preferred
• Curiosity, hardworking, self-accountable, positive attitude, humble and fun
• Have an opinion, share your opinion and be open to other opinions
• Passion to obtain, retain and employ knowledge – as well as share knowledge
• Excellent verbal and written communication skills
• Strong analytical skills and attention to detail
• Must live in Austin, Texas 
• Must be able to work hybrid 3 days in the office a week 

Benefits

• Salary Range: $100,000 - $120,000 (Pending Experience) + Bonus
• Health Benefits
• Employee options grant 
• 401K with employer match
• Flexible paid time off
• Paid national holiday

Position Overview:

Pareto Health is seeking a dedicated and detail-oriented Underwriter to join our team. This role is crucial in assessing and managing the risks associated with self-funded and fully insured health plans, using stoploss insurance. The ideal candidate will bring a foundational understanding of analyzing health risks and developing stoploss strategies that align with our commitment to providing innovative and cost-effective healthcare solutions to our clients.

Key Responsibilities:

• Support the underwriting process using a best-in-class captive offering to create profitable stoploss offerings for prospective captive members.
• Conduct preliminary risk assessments of prospective Pareto captive members, who are currently both fully insured and self-funded health plans, to assist in determining appropriate stoploss coverage levels and premiums.
• Assist in analyzing healthcare data, including claims and utilization patterns, to forecast potential risks and cost implications.
• Collaborate with the Sales team to provide consultants with the necessary financial information required to join the captive.
• Adapt to working in an environment of incomplete information.
• Stay informed about competitive market dynamics and respond appropriately.
• Work under the guidance of senior underwriters to enhance underwriting skills and knowledge.
• Participate in ongoing training to develop a deeper understanding of medical treatments and projected costs in partnership with the clinical risk team.
• Ensure adherence to industry standards and legal requirements in all underwriting decisions and practices.

Required Skills & Qualifications:

• Bachelor’s degree in finance, economics, actuarial science, or a related field; relevant professional certifications are a plus.
• Minimum of 2-3 years of experience in underwriting, preferably with some exposure to stoploss insurance and health risks. Experience with captives is a plus but not required.
• Basic proficiency in underwriting software, data analysis tools, and Microsoft Office Suite.
• Ability to analyze data, identify trends, and support underwriting decisions.
• Good communication and negotiation skills, with the ability to articulate technical concepts to a non-technical audience.
• Team player, capable of working effectively in a dynamic and collaborative environment.
• Basic understanding of stoploss products, self-funding, healthcare industry trends, and the regulatory landscape.

Perks & Benefits:

• Fully paid medical, dental, and vision benefits.
• Flexible PTO
• 401k company contribution
• Tuition reimbursement
• Professional development allowance
• Transportation allowance and daily parking reimbursement 
• Engaging hybrid work environment

About At-Bay 

At-Bay is the world’s first InsurSec provider designed from the ground up to help businesses tackle cyber risk head on. By combining industry-leading insurance with world-class cybersecurity technology, At-Bay offers end-to-end prevention and protection for the digital age. With 98% of cyber insurance claims in the past five years coming from small and mid-size businesses with revenue under $2B, providing an integrated solution to help manage risk is more critical than ever.

At-Bay helps its 35,000+ customers close their security technology and skills gap — all through their cyber insurance policy — making them less likely to be hit with a ransomware attack. As a full-stack insurance company, At-Bay offers multiple lines of specialty insurance, including Cyber, Tech E&O, and Miscellaneous Professional Liability (MPL) policies.

Responsibilities 

• Manage and grow At-bay’s core wholesale broker base and GWP, making sure our brokers are getting world-class service at all times.
• Portfolio Management: Closely manage and monitor a middle market book of business, ensuring financial targets are met and implementing strategies to optimize profitability.
• Propose & negotiate price, coverage, and terms for insurance policies, and achieve favorable outcomes while balancing risk and business goals
• Solicit and analyze risk within At-bay’s guidelines and ensure proper documentation. service existing renewals and new business portfolio
• Collaborate with cyber analytics, product, marketing and other parts of At-bay to make sure brokers are getting the best At-bay has to offer 
• Work with technology and data teams to create tools to enhance the underwriting process 

Attributes and Qualifications 

• Approximately 5-10 years of experience as underwriter in cyber liability, Tech, Media E&O, Miscellaneous E&O, other E&O lines or specialty commercial insurance 
• You have a track record of strong account retention and new business results - even in a soft market
• You possess solid knowledge of specialty commercial underwriting, and insurance industry theories and practices 
• Strong technology affinity, ability to work with advanced analytics software 
• Technical background. Strong plus if you already know what DNS, IP addresses, ports, databases, and other software/computer networking concepts 
• You’re an amazing team player; you make everyone else on the team better and you don’t let your ego get in the way

About At-Bay 

At-Bay is the world’s first InsurSec provider designed from the ground up to help businesses tackle cyber risk head on. By combining industry-leading insurance with world-class cybersecurity technology, At-Bay offers end-to-end prevention and protection for the digital age. With 98% of cyber insurance claims in the past five years coming from small and mid-size businesses with revenue under $2B, providing an integrated solution to help manage risk is more critical than ever.

At-Bay helps its 35,000+ customers close their security technology and skills gap — all through their cyber insurance policy — making them less likely to be hit with a ransomware attack. As a full-stack insurance company, At-Bay offers multiple lines of specialty insurance, including Cyber, Tech E&O, and Miscellaneous Professional Liability (MPL) policies.

Responsibilities 

• Manage and grow At-bay’s core wholesale broker base and GWP, making sure our brokers are getting world-class service at all times.
• Portfolio Management: Closely manage and monitor a middle market book of business, ensuring financial targets are met and implementing strategies to optimize profitability.
• Propose & negotiate price, coverage, and terms for insurance policies, and achieve favorable outcomes while balancing risk and business goals
• Solicit and analyze risk within At-bay’s guidelines and ensure proper documentation. service existing renewals and new business portfolio
• Collaborate with cyber analytics, product, marketing and other parts of At-bay to make sure brokers are getting the best At-bay has to offer 
• Work with technology and data teams to create tools to enhance the underwriting process 

Attributes and Qualifications 

• Approximately 3-6 years of experience as underwriter in cyber liability, Tech, Media E&O, Miscellaneous E&O, other E&O lines or specialty commercial insurance 
• You possess solid knowledge of specialty commercial underwriting, and insurance industry theories and practices 
• Strong technology affinity, ability to work with advanced analytics software 
• Technical background. Strong plus if you already know what DNS, IP addresses, ports, databases, and other software/computer networking concepts 
• You’re an amazing team player; you make everyone else on the team better and you don’t let your ego get in the way

About At-Bay 

At-Bay is the world’s first InsurSec provider designed from the ground up to help businesses tackle cyber risk head on. By combining industry-leading insurance with world-class cybersecurity technology, At-Bay offers end-to-end prevention and protection for the digital age. With 98% of cyber insurance claims in the past five years coming from small and mid-size businesses with revenue under $2B, providing an integrated solution to help manage risk is more critical than ever.

At-Bay helps its 35,000+ customers close their security technology and skills gap — all through their cyber insurance policy — making them less likely to be hit with a ransomware attack. As a full-stack insurance company, At-Bay offers multiple lines of specialty insurance, including Cyber, Tech E&O, and Miscellaneous Professional Liability (MPL) policies.

Responsibilities 

• Manage and grow At-Bay’s core retail broker base and GWP, making sure our brokers are getting world-class service at all times.
• Portfolio Management: Closely manage and monitor a middle market book of business, ensuring financial targets are met and implementing strategies to optimize profitability.
• Propose & negotiate price, coverage, and terms for insurance policies, and actively identify account rounding opportunities 
• Solicit and analyze risk within At-bay’s guidelines and ensure proper documentation. service existing renewals and new business portfolio
• Collaborate with cyber analytics, product, marketing and other parts of At-bay to make sure brokers are getting the best At-bay has to offer 
• Work with technology and data teams to create tools to enhance the underwriting process 

Attributes and Qualifications 

• Proven experience as underwriter or account executive in cyber liability, Tech, Media E&O, Miscellaneous E&O, other E&O lines or specialty commercial insurance 
• You possess solid knowledge of specialty commercial underwriting, and insurance industry theories and practices 
• Strong technology affinity, ability to work with advanced analytics software 
• Technical background. Strong plus if you already know what DNS, IP addresses, ports, databases and other software/computer networking concepts are. 
• You’re an amazing team player; you make everyone else on the team better and you don’t let your ego get in the way 
• You are a driven person who gets a deep satisfaction from getting things done, and is not afraid to cross the t’s and dot the i’s 
• You are comfortable working in a fast paced, dynamic tech environment 
• You have a clear, concise communication style 

What you'll get 

• A competitive salary, benefits and options package 
• An amazing role and professional growth opportunity 
• Passionate, smart, and fun people to work with 

Our estimated base pay range for an Underwriter is $90,000-$115,000 and a Senior Underwriter role is $110,000-$150,000 per year. Base salary is determined by a variety of factors including but not limited to market data, location, internal equitability, domain knowledge, experiences and skills. In general, if the position sparks your interest we encourage you to apply - our team prioritizes talent.

About At-Bay 

At-Bay is the world’s first InsurSec provider designed from the ground up to help businesses tackle cyber risk head on. By combining industry-leading insurance with world-class cybersecurity technology, At-Bay offers end-to-end prevention and protection for the digital age. With 98% of cyber insurance claims in the past five years coming from small and mid-size businesses with revenue under $2B, providing an integrated solution to help manage risk is more critical than ever.

At-Bay helps its 35,000+ customers close their security technology and skills gap — all through their cyber insurance policy — making them less likely to be hit with a ransomware attack. As a full-stack insurance company, At-Bay offers multiple lines of specialty insurance, including Cyber, Tech E&O, and Miscellaneous Professional Liability (MPL) policies.

Responsibilities 

• Manage and grow At-bay’s core wholesale broker base and GWP, making sure our brokers are getting world-class service at all times.
• Portfolio Management: Closely manage and monitor an SMB book of business, ensuring financial targets are met and implementing strategies to optimize profitability.
• Propose & negotiate price, coverage, and terms for insurance policies, and actively identify account rounding opportunities 
• Solicit and analyze risk within At-bay’s guidelines and ensure proper documentation. service existing renewals and new business portfolio
• Collaborate with cyber analytics, product, marketing and other parts of At-bay to make sure brokers are getting the best At-bay has to offer 
• Work with technology and data teams to create tools to enhance the underwriting process 

Attributes and Qualifications 

• Approximately 1-3 years of experience as underwriter in cyber liability, Tech, Media E&O, Miscellaneous E&O, other E&O lines or specialty commercial insurance 
• You possess solid knowledge of specialty commercial underwriting, and insurance industry theories and practices 
• Strong technology affinity, ability to work with advanced analytics software 
• Technical background. Strong plus if you already know what DNS, IP addresses, ports, databases, and other software/computer networking concepts 
• You’re an amazing team player; you make everyone else on the team better and you don’t let your ego get in the way

Our estimated base pay range for this role is $100,000-$120,000 per year. Base salary is determined by a variety of factors including but not limited to market data, location, internal equitability, domain knowledge, experiences and skills. In general, if the position sparks your interest we encourage you to apply - our team prioritizes talent.

About At-Bay 

At-Bay is the world’s first InsurSec provider designed from the ground up to help businesses tackle cyber risk head on. By combining industry-leading insurance with world-class cybersecurity technology, At-Bay offers end-to-end prevention and protection for the digital age. With 98% of cyber insurance claims in the past five years coming from small and mid-size businesses with revenue under $2B, providing an integrated solution to help manage risk is more critical than ever.

At-Bay helps its 35,000+ customers close their security technology and skills gap — all through their cyber insurance policy — making them less likely to be hit with a ransomware attack. As a full-stack insurance company, At-Bay offers multiple lines of specialty insurance, including Cyber, Tech E&O, and Miscellaneous Professional Liability (MPL) policies.

Responsibilities 

• Manage and grow At-bay’s core wholesale broker base and GWP, making sure our brokers are getting world-class service at all times.
• Portfolio Management: Closely manage and monitor an SMB book of business, ensuring financial targets are met and implementing strategies to optimize profitability.
• Propose & negotiate price, coverage, and terms for insurance policies, and actively identify account rounding opportunities 
• Solicit and analyze risk within At-bay’s guidelines and ensure proper documentation. service existing renewals and new business portfolio
• Collaborate with cyber analytics, product, marketing and other parts of At-bay to make sure brokers are getting the best At-bay has to offer 
• Work with technology and data teams to create tools to enhance the underwriting process 

Attributes and Qualifications 

• Approximately 3-6 years of experience as underwriter in cyber liability, Tech, Media E&O, Miscellaneous E&O, other E&O lines or specialty commercial insurance 
• You possess solid knowledge of specialty commercial underwriting, and insurance industry theories and practices 
• Strong technology affinity, ability to work with advanced analytics software 
• Technical background. Strong plus if you already know what DNS, IP addresses, ports, databases, and other software/computer networking concepts 
• You’re an amazing team player; you make everyone else on the team better and you don’t let your ego get in the way

Our estimated base pay range for this role is $130,000-$150,000 per year. Base salary is determined by a variety of factors including but not limited to market data, location, internal equitability, domain knowledge, experiences and skills. In general, if the position sparks your interest we encourage you to apply - our team prioritizes talent.

Job Summary

The Commercial Lines Product Manager (CLPM) focuses on P&C insurance lines with complex, high-touch case underwriting, high limits of exposure and long-tailed loss profiles.  The CLPM works closely with the underwriting business unit leaders, the company’s technology team, and the company’s finance and executive management to optimize MGA gross margin for the assigned P&C insurance programs through premium production, loss ratio management and operational efficiency.  The CLPM has a thorough and comprehensive understanding of the coverages, rating mechanisms, business processes, systems and data for the assigned programs.  The CLPM serves as a subject matter expert for policy data archived, transformed and reported using ISC’s data warehouse and business intelligence tools. The CLPM reports to the AVP of Product Management and Actuarial.

Position Responsibilities

• Develop and maintain product scorecards to monitor key product performance indicators, evaluate scorecards to identify trends in program performance, opportunities, and actionable recommendations. Compile results to share with Business Unit leaders and company management.
• Acquire Subject Matter Expertise on insured policy and claim data acquired by ISC and partner systems, including data retention and storage and reportability and visualization using ISC data warehouse and reporting tools. Use SQL, Python or other analytical applications to acquire, summarize and report policy, premium and loss data.  Use data and information for reporting and analysis to develop insights, unearth opportunities, increase process efficiency and improve automation.
• Work with underwriting business unit leaders to manage the rating plans, including ISO advisory rates and independent pricing. Employ pricing strategies and direction to aid the business unit leaders.  Monitor and summarize premium and exposure trends and underwriter discretionary rating activity at the portfolio level.  Analyze program metrics, underwriting insights and market environment to identify price segmentation opportunities.  Lead the implementation efforts in conjunction with the Tech team.
• Work with underwriting business unit leaders to manage the policy forms kits, including ISO, carrier-specific and proprietary policy forms and applications. Lead the implementation efforts in conjunction with the Tech team.
• Work with underwriting business unit leaders and tech team to identify and describe requirements to streamline, structure and automate new and renewal underwriting and policy issuance processes applicable to agents or underwriters. Evaluate third-party data sources which may improve process efficiency or risk assessment.
• Work with ISC tech team to ensure loss runs from claims TPAs are properly ingested, archived and reported. Analyze loss results with appropriate considerations for statistical credibility and loss development maturity.
• Develop a detailed understanding of key competitors and market segments. Evaluate ISC competitive advantages and identify opportunities to exploit them.  Expose competitive gaps and work to close them through product enhancements.
• Work with underwriting business unit leaders to optimize financial results by balancing production, loss ratio, and agency commission and fees.

Minimum Qualifications

• Bachelor's degree required, Quantitative discipline preferred
• 2-3 years P&C insurance product management experience, or 3-5 years P&C insurance Product Analyst experience.
• Familiarity with P&C insurance policy and claims work processes and P&C insurance data and relevant metrics.
• Experience with commercial lines rating plans using ISO loss costs or proprietary rating plans.
• Expertise in insurance pricing strategies, particularly within the property and casualty insurance space.
• Demonstrated process analysis and automation competency.
• Strong analytical and data skills. Excel power user.  Experience with SQL, Python or other data extraction and reporting tools to acquire policy and premium data from data warehouse tables.  
• Working knowledge of actuarial fundamentals including loss development triangles, rate level indications, premium trends, loss trends and credibility.
• Exceptional communication and interpersonal skills are required to collaborate with underwriters and other domain experts, brief executives and external partners and develop actionable recommendations for product and process innovations. 

This role also offers bonus pay. Your ISC Talent Acquisition representative will share more details about the bonus component should you advance in the interview process.

Job Summary:

The PC Broker/Underwriter will be responsible for growing the book of business for ISC’s newly established Wholesale Broking Division in the West Coast. They will do this by providing strong technical expertise and administrative services relevant to account placement and client service activities specific to the small market with a heavy focus on casualty and construction accounts. 

Position Responsibilities:

• Communicates with retail agency personnel and underwriters to ensure accurate account information.
• Will prepare and handle existing renewal accounts 
• Solicit new business from retail clients
• Assist with inputting and updating current client information in all required systems.
• Manage up to 40 accounts a week, ranging from $2,500 up to $100k in premium.
• Prepare market submissions and quote cover letters to Agents. Reviews policies and other documents received for accuracy.
• May help to fulfill assigned account transactions, internal processing and necessary document preparation, e.g., endorsements, change forms, invoices, etc.
• Engage and negotiate with various carrier relationships, existing carrier relationships welcomed.
• Resolves invoicing issues with Premium Accounting.
• Communicates with Premium Accounting regarding notices of cancellation.
• Helps to ensure claim notifications are sent to the claims department.
• Perform basic office duties; filing/copying/printing documents/maintaining files
• Other relevant duties as assigned. 

Minimum Qualifications

• 7+ years of relevant experience in a commercial insurance brokerage or production underwriting environment specific to casualty offerings.
• Bachelor's degree or higher preferred.
• Wholesale or retail agency/brokerage experience required.
• Must be able to pass state exam and obtain insurance license, if not currently licensed. Open to any state.
• Demonstrated understanding of insurance products and services.
• Ability to manage workload with minimal supervision in a fully remote setting.
• Strong external communication with markets and internally with team members. Sense of urgency and availability for team communication is essential. 
• Critical attention to details.
• Proficiency in Microsoft Office.

#LI-REMOTE #California #Broker #insurance #wholesale 

In addition to the base compensation, this role also offers a bonus. Should you advance in the interview process, your Talent Acquisition representative can share more information with you on total compensation.

Job Summary

Provides support and assistance to senior underwriting staff handling personal lines and homeowners policies. Perform administrative duties regarding new and renewal accounts, risk assessment, and loss runs and loss ratings. May assist senior underwriter with the computation of rates and premiums. This is a developing level position.

Position Responsibilities

• Utilize understanding of exposures and risks analysis to assess loss history and current condition of finances for a case.
• Collects, studies, and reviews documentation pertaining to risk cases, performing risk analysis to conclude whether a case is worth accepting.
• Conduct preliminary reviews of complex submissions to identify errors, omissions, and confirm eligibility.
• Collaborate closely with the underwriting team to finalize insurance applications efficiently.
• Utilize multiple databases to gather and verify supplementary data for submissions.
• Manage inbound calls, connecting customers and team members to ensure a seamless and positive experience.
• Respond to customer needs, providing guidance and assistance tailored to their insurance needs.
• Process accounts from approved quotes through to policy issuance with accuracy and efficiency.

Minimum Qualifications

• Bachelor’s degree required
• Minimum of 1 year of underwriting or related insurance experience required
• CPCU, CIC, CRIS, Property & Casualty Brokers License, etc. a plus
• Strong customer service experience
• Proficiency in Microsoft Office Suite and ability to quickly learn industry-specific software
• Ability to work collaboratively with team members and other departments
• Strong desire to learn, explore new ideas, and seeking out new knowledge
• Ability to be flexible, embrace change, and quickly pivot in response to shifting priorities

This role also offers bonus pay. Your ISC Talent Acquisition representative will share more details about the bonus component should you advance in the interview process.

About the role

Responsibilities

• Build and advance our most sensitive and business-critical ML and GenAI models that power underwriting decisions and risk selection.
• Drive and execute ML projects end-to-end: problem framing, data exploration, feature engineering, model design, prototyping, offline/online evaluation, deployment, and monitoring.
• Design and implement ML pipelines for data preprocessing, feature engineering, model training, hyperparameter tuning, and model evaluation, enabling rapid and reproducible experimentation.
• Apply state-of-the-art ML and GenAI workflows (e.g., gradient-boosted trees, deep learning, LLMs, prompt engineering, transfer learning) to improve underwriting accuracy, automation, and decision support.
• Own model quality and robustness by defining success metrics, running ablations and diagnostics, and iterating to outperform prior baselines.
• Survey and incorporate recent advances in ML/GenAI research into our core underwriting capabilities, balancing scientific rigor with practical constraints.
• Collaborate closely with underwriters, product, data, and engineering partners to clarify requirements, align on tradeoffs, and ensure models integrate cleanly into production workflows.
• Communicate methods and results clearly through documentation, presentations, and design reviews; share learnings and patterns that level up the broader team.
• Contribute to a culture of scientific and data excellence by bringing mature empathy, best practices, and lightweight processes to experimentation, code review, and model governance.

Skills and Qualifications

• Ph.D. or MS in a quantitative or computational field (e.g., Computer Science, Statistics, Applied Math, Electrical Engineering) or equivalent practical experience.
• 5+ years of full-time experience developing and deploying ML- and data-based solutions in production.
• Practical, hands-on experience with supervised and unsupervised learning methods, including model selection, regularization, and calibration.
• Expertise in statistical analysis methods, especially regression analysis, statistical inference, and forecasting / time-series methods.
• Strong proficiency in Python and core ML libraries (e.g., scikit-learn, XGBoost/LightGBM, PyTorch/TensorFlow) and SQL for working with large, messy datasets.
• Experience with experiment design and evaluation (e.g., A/B tests, offline metrics vs. online KPIs, guardrails) and with ensuring reproducible results.
• Comfortable and effective in ambiguous problem spaces; demonstrated ability to own and drive projects with minimal oversight and process.
• Exceptional written and oral communication skills, with the ability to explain complex modeling choices and tradeoffs to technical and non-technical stakeholders.
• Minimum 1+ year of experience in insurance underwriting modeling (pricing, risk scoring, eligibility, or related applications).

Bonus Points

• Experience with modern GenAI techniques relevant to underwriting (e.g., using LLMs for document understanding, unstructured-to-structured extraction, or underwriter copilot workflows).
• Familiarity with model governance in regulated environments, including documentation, validation, monitoring, and change management.
• Experience with ML orchestration and MLOps tools (e.g., Airflow, Prefect, MLflow, SageMaker) for managing training, deployment, and monitoring at scale.
• Exposure to causal inference or uplift modeling for understanding the impact of underwriting or guideline changes.
• Experience working with cyber or P&C insurance data (exposures, limits, deductibles, claims, external risk signals).

Compensation

As a remote-first organization, our compensation reflects the cost of labor across several Canadian geographic markets. 

In Alberta, British Columbia & Ontario the base salary for this position ranges from $115,300.00/year up to $144,100.00/year. 

For all other locations, the base salary for this position ranges from $103,800.00/year up to $129,690.00/year. 

Consistent with applicable laws, an employee's pay within this range is based on a number of factors, which include but are not limited to relevant education, skills, job-related knowledge, qualifications, work experience, credentials, and/or geographic location. Your Recruiter can share more on the specific target salary range for your location during the interview process. Coalition, Inc. reserves the right to modify this range as needed.

Vacancy Status: This posting is for an existing vacancy.

Use of AI: We utilize AI-assisted tools to help us organize and review the high volume of applications we receive. However, our human recruiting team makes all final hiring decisions and interview selections, valuing personal connection over algorithms.

Application Updates: Consistent with our commitment to transparency, if you are interviewed for this role, we will provide a status update on your application within 45 days of your final interview.

Perks

• 100% medical, dental, and vision coverage
• Flexible PTO
• Annual home office stipend and WeWork access
• Mental & physical health wellness programs like Headspace, Lumino, and more!
• Competitive compensation and opportunity for advancement

About the role

Responsibilities

• Build and advance our most sensitive and business-critical ML and GenAI models that power underwriting decisions and risk selection.
• Drive and execute ML projects end-to-end: problem framing, data exploration, feature engineering, model design, prototyping, offline/online evaluation, deployment, and monitoring.
• Design and implement ML pipelines for data preprocessing, feature engineering, model training, hyperparameter tuning, and model evaluation, enabling rapid and reproducible experimentation.
• Apply state-of-the-art ML and GenAI workflows (e.g., gradient-boosted trees, deep learning, LLMs, prompt engineering, transfer learning) to improve underwriting accuracy, automation, and decision support.
• Own model quality and robustness by defining success metrics, running ablations and diagnostics, and iterating to outperform prior baselines.
• Survey and incorporate recent advances in ML/GenAI research into our core underwriting capabilities, balancing scientific rigor with practical constraints.
• Collaborate closely with underwriters, product, data, and engineering partners to clarify requirements, align on tradeoffs, and ensure models integrate cleanly into production workflows.
• Communicate methods and results clearly through documentation, presentations, and design reviews; share learnings and patterns that level up the broader team.
• Contribute to a culture of scientific and data excellence by bringing mature empathy, best practices, and lightweight processes to experimentation, code review, and model governance.

Skills and Qualifications

• Ph.D. or MS in a quantitative or computational field (e.g., Computer Science, Statistics, Applied Math, Electrical Engineering) or equivalent practical experience.
• 5+ years of full-time experience developing and deploying ML- and data-based solutions in production.
• Practical, hands-on experience with supervised and unsupervised learning methods, including model selection, regularization, and calibration.
• Expertise in statistical analysis methods, especially regression analysis, statistical inference, and forecasting / time-series methods.
• Strong proficiency in Python and core ML libraries (e.g., scikit-learn, XGBoost/LightGBM, PyTorch/TensorFlow) and SQL for working with large, messy datasets.
• Experience with experiment design and evaluation (e.g., A/B tests, offline metrics vs. online KPIs, guardrails) and with ensuring reproducible results.
• Comfortable and effective in ambiguous problem spaces; demonstrated ability to own and drive projects with minimal oversight and process.
• Exceptional written and oral communication skills, with the ability to explain complex modeling choices and tradeoffs to technical and non-technical stakeholders.
• Minimum 1+ year of experience in insurance underwriting modeling (pricing, risk scoring, eligibility, or related applications).

Bonus Points

• Experience with modern GenAI techniques relevant to underwriting (e.g., using LLMs for document understanding, unstructured-to-structured extraction, or underwriter copilot workflows).
• Familiarity with model governance in regulated environments, including documentation, validation, monitoring, and change management.
• Experience with ML orchestration and MLOps tools (e.g., Airflow, Prefect, MLflow, SageMaker) for managing training, deployment, and monitoring at scale.
• Exposure to causal inference or uplift modeling for understanding the impact of underwriting or guideline changes.
• Experience working with cyber or P&C insurance data (exposures, limits, deductibles, claims, external risk signals).

Compensation

Our compensation reflects the cost of labor across several US geographic markets. The US base salary for this position ranges from $115,900/year in our lowest geographic market up to $155,250/year in our highest geographic market. Consistent with applicable laws, an employee's pay within this range is based on a number of factors, which include but are not limited to relevant education, skills, job-related knowledge, qualifications, work experience, credentials, and/or geographic location. Your recruiter can share more on target salary for your location during the interview process. Coalition, Inc. reserves the right to modify this range as needed.

Perks

• 100% medical, dental and vision coverage
• Flexible PTO policy
• Annual home office stipend and WeWork access
• Mental & physical health wellness programs (One Medical, Headspace, Wellhub, and more)!
• Competitive compensation and opportunity for advancement

The Role

SoFi is seeking an experienced Mortgage Underwriter to join our growing Mortgage Operations team in Frisco, TX.
You’ll review and assess Conventional and FHA loan applications using independent credit judgment, ensuring accuracy, compliance, and speed within a high-throughput production environment.

The ideal candidate brings recent mortgage underwriting and demonstrated expertise analyzing complex credit, income, asset, and property documentation. You’ll thrive in a collaborative, metrics-driven culture focused on member experience, quality, and accountability.

What You’ll Do

• Review and underwrite mortgage applications using investor/GSE guidelines.

• Perform detailed analysis of borrower credit, income, and collateral — including complex and self-employed income calculations.

• Conduct liquidity tests for business entities using Schedule L (adjusting for inventory-heavy businesses).

• Make timely, compliant underwriting decisions in line with SoFi and investor standards.

• Manage a high-volume pipeline, balancing quality (QC) and production SLAs — goal of 4–6 new credit decisions per day.

• Partner closely with processors and loan officers to resolve conditions and ensure efficient loan flow.

• Identify and escalate potential fraud risk or guideline exceptions.

• Apply deep working knowledge of DU/LP systems and investor overlays.

• Contribute to continuous process improvement through collaboration and feedback.
   

What You’ll Need

• Minimum 2+ years of recent underwriting experience with both Conventional and FHA loans.

• Strong analytical ability and independent risk assessment judgment.

• Proficiency in DU, LP, and FHA Connection systems.

• Demonstrated skill in self-employment income analysis and Schedule L liquidity testing.

• Thorough understanding of credit policy, financial statement analysis, and property evaluation.

• Strong communication skills — able to explain complex scenarios clearly and professionally.

• Experience maintaining both quality control metrics and high production throughput.

• Familiarity with Texas-specific lending nuances preferred.

• Hybrid work schedule: 2 days per week in the Frisco, TX office.
   

Nice-to-Haves

• Active SAR or VA credit authority

• Active FHA DE (Direct Endorsement) certification

• Experience underwriting Jumbo or USDA loans

• College degree

• Background in fraud detection or risk mitigation

What you will do as a Middle Market Underwriter US:

• Bring established broker relationships to Cowbell in support of Cowbell’s goals.
• Maintain profitability across the middle market book through appropriate risk selection, analysis and servicing of accounts based on Cowbell Cyber Insurance guidelines
• Manage renewal business while maintaining our customer service standards to keep retention high and customers happy 
• Collaborate with team members to support the region’s goals and strengthen our partnerships with broker partners
• Maintain expansive knowledge of the cyber insurance marketplace, current trends in the industry, as well as the threat environment
• Identify areas where our unique capabilities provide us with a competitive advantage and build out processes that support these
• Partner with the Cyber Risk Services and Data Science teams to continually improve our technology and deliverables to the policyholder
• Serve as a subject matter expert for the broader team on coverage questions
• Collaborate with a passionate team, have fun, grow, learn, and teach the company along the way

What Cowbell needs from you:

• Bachelor's degree or equivalent work experience
• Minimum 5+ years of underwriting experience in Cyber/Tech E&O with a focus on Middle Market business (over 250M in revenues)
• Technical expertise and product knowledge specific to the lines of business that will be underwritten
• Demonstrated ability to produce new renewable Cyber/Tech/Excess business profitably over a significant period of time
• Superb production underwriting skills; must be able to demonstrate successful broker management including building, maintaining, and managing broker relationships
• Proven ability to successfully negotiate deals, while maintaining an appropriate level of discipline to keep the book profitable
• Strong track record of teamwork and collaboration. This role will interact across sales and underwriting teams, requiring training and mentorship at times.
• Desire to win!

What you will do as a Middle Market Underwriter US:

• Bring established broker relationships to Cowbell in support of Cowbell’s goals.
• Maintain profitability across the middle market book through appropriate risk selection, analysis and servicing of accounts based on Cowbell Cyber Insurance guidelines
• Manage renewal business while maintaining our customer service standards to keep retention high and customers happy 
• Collaborate with team members to support the region’s goals and strengthen our partnerships with broker partners
• Maintain expansive knowledge of the cyber insurance marketplace, current trends in the industry, as well as the threat environment
• Identify areas where our unique capabilities provide us with a competitive advantage and build out processes that support these
• Partner with the Cyber Risk Services and Data Science teams to continually improve our technology and deliverables to the policyholder
• Serve as a subject matter expert for the broader team on coverage questions
• Collaborate with a passionate team, have fun, grow, learn, and teach the company along the way

What Cowbell needs from you:

• Bachelor's degree or equivalent work experience
• Minimum 5+ years of underwriting experience in Cyber/Tech E&O with a focus on Middle Market business (over 250M in revenues)
• Technical expertise and product knowledge specific to the lines of business that will be underwritten
• Demonstrated ability to produce new renewable Cyber/Tech/Excess business profitably over a significant period of time
• Superb production underwriting skills; must be able to demonstrate successful broker management including building, maintaining, and managing broker relationships
• Proven ability to successfully negotiate deals, while maintaining an appropriate level of discipline to keep the book profitable
• Strong track record of teamwork and collaboration. This role will interact across sales and underwriting teams, requiring training and mentorship at times.
• Desire to win!

Pay Transparency:

The annual base salary range for this position based in the United States is listed below. This salary range is an estimate , and the actual salary may vary based on Cowbell’s compensation practices, job related skills, depth of experience, relevant certifications and trainings, in addition to geographic location. Based on the factors above, Cowbell utilizes the full width of the range. 

Annual base salary range for this role: $130k-$230k + bonus