Underwriter Resume Example and Template
Underwriter resumes stand out by showing risk assessment capability, underwriting decisions made independently, and portfolio performance. Highlight your expertise in specific underwriting lines, your understanding of risk factors and policy terms, and your track record of maintaining portfolio profitability.
Managers hiring underwriters want candidates who can evaluate risk objectively, make sound approval or denial decisions, understand policy terms deeply, and balance growth with risk management.
Also searched as
Senior Underwriter, Underwriting Assistant
Victoria Chen: Underwriter
Austin, United States
Summary
Commercial property underwriter with 5 years of experience evaluating and pricing commercial real estate and building risks for regional carriers. Underwrite 180+ applications annually, maintain portfolio loss ratio of 68%, and specialize in small business and multi-unit residential properties.
Work Experience
Senior Underwriter, Bluebonnet Insurance Company
Feb 2022 – Present. Regional insurance carrier, 120 employees, $240M premium
- Underwrite commercial property insurance applications for small business and residential risks, evaluating property condition, occupancy, maintenance, and loss history.
- Process 180+ applications annually, issuing underwriting decisions and supporting 340 active policies generating $2.1M annual premium in managed book.
- Maintain portfolio loss ratio of 68% while managing growth, using disciplined rate and underwriting standards to balance acquisition and profitability.
- Conduct property inspections and review inspection reports, assessing risk factors and recommending coverage limits and exclusions.
Underwriter, Central Texas Property Insurance
Aug 2019 – Jan 2022. Regional insurance carrier, 85 employees
- Evaluated and underwrote commercial property and small business applications, assessing building condition, maintenance, loss history, and occupancy risks.
- Processed 150+ applications annually, issuing underwriting decisions and managing book of 280 policies generating $1.6M annual premium.
- Maintained underwriting portfolio with 72% loss ratio while managing growth through disciplined underwriting and rate adequacy.
- Participated in product development and rate filing support, providing loss analysis and underwriting feedback to management.
Underwriting Assistant, Lone Star Insurance
Jan 2018 – Jul 2019. Insurance carrier, 60 employees
- Assisted underwriters with application processing, inspection coordination, and policy issuance for commercial property insurance.
- Learned underwriting procedures, risk assessment factors, and policy terms.
- Obtained Property insurance license and supported underwriter decision-making.
Education
University of Texas at Austin
Bachelor of Business Administration, Risk Management and Insurance. Aug 2014 – May 2018
Skills
Commercial property underwriting, Risk assessment, Underwriting decisions, Policy pricing, Loss analysis, Portfolio management, Property inspection, Insurance software systems, Rate adequacy analysis, Compliance and regulations
Languages
English, Mandarin Chinese
Certificates and Awards
- Texas Property Insurance License, Texas Department of Insurance, 2018
Why this look works
Underwriters balance disciplined risk management with business growth. Professional navy with clean, organized formatting conveys both analytical rigor and the objective judgment underwriting demands. Your format should reflect the systematic, evidence-based decision-making your role requires.
Resume tips for this job
- Lead with application volume and portfolio loss ratio. Processing 180+ applications annually with a 68% loss ratio proves you make sound decisions that sustain profitability.
- Show specialty expertise. If you specialize in small business, multi-family residential, or hospitality, highlight it. Depth in one segment is more valuable than shallow breadth.
- Highlight risk assessment capability. Evaluating property condition, occupancy, loss history, or financial stability independently shows underwriting judgment.
- Mention portfolio management and growth balance. Underwriters who grow business while maintaining profit margins are more valuable than those who emphasize either exclusively.
Common questions
Do I need an insurance license to be an underwriter?
Most states require a Property insurance license to underwrite P&C risks independently. Licensing requirements vary by state and line of business. You can work as an underwriting assistant without a license, but you'll need to license before making underwriting decisions independently.
How important is loss ratio to highlight on my underwriting resume?
Very important. Underwriters are judged on profitability. A 68% loss ratio demonstrates sound underwriting judgment. Higher ratios suggest risky underwriting; lower ratios might suggest overly restrictive underwriting limiting growth. Show both loss ratio and growth to demonstrate balanced performance.
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The person, employers and numbers in this example are fictional, written to show what a strong resume for this job looks like.