How to hire a bond underwriter

How to hire a bond underwriter, step by step

Here's a step-by-step bond underwriter hiring guide:

• Step 1: Identify your hiring needs
• Step 2: Create an ideal candidate profile
• Step 3: Make a budget
• Step 4: Write a bond underwriter job description
• Step 5: Post your job
• Step 6: Interview candidates
• Step 7: Send a job offer and onboard your new bond underwriter
• Step 8: Go through the hiring process checklist

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1. Identify your hiring needs

   Before you post your bond underwriter job, you should take the time to determine what type of worker your business needs. While certain jobs definitely require a full-time employee, it's sometimes better to find a bond underwriter for hire on a part-time basis or as a contractor.

   Determine employee vs contractor status

   Is the person you're thinking of hiring a US citizen or green card holder?

   Yes

   No

   A bond underwriter's background is also an important factor in determining whether they'll be a good fit for the position. For example, bond underwriters from different industries or fields will have radically different experiences and will bring different viewpoints to the role. You also need to consider the candidate's previous level of experience to make sure they'll be comfortable with the job's level of seniority.

   This list presents bond underwriter salaries for various positions.

   Type of Bond Underwriter	Description	Hourly rate
   Bond Underwriter	Insurance underwriters decide whether to provide insurance and under what terms. They evaluate insurance applications and determine coverage amounts and premiums.	$25-54
   Insurance Analyst	An insurance analyst provides analytical services to maintain an efficient workflow at insurance companies. They are typically in charge of evaluating insurance policies to identify possible risks for the policyholder and the company, validating client information, and reviewing insurance applications to ensure their accuracy... Show more	$16-42
   Underwriting Consultant	An underwriting consultant is a professional who provides underwriting guidelines to underwriters as well as coordinates revision of the underwriting manual. Underwriting consultants are required to handle complex cases and situations by using their strong knowledge of company services, product standards, and underwriting policies... Show more	$23-49

   Show more

2. Create an ideal candidate profile

   Common skills:

   • Surety
   • Financial Strength
   • Bonds
   • Underwriting Guidelines
   • Contractor Clients
   • Loss Ratio
   • Underwriting Process
   • Risk Analysis
   • Financial Statement Analysis
   • Financial Statements
   • Business Plan
   • Balance Sheet

   Responsibilities:

   • Manage AUS findings and analyze approvals and results accordingly.
   • Analyze construction companies for contract surety bond credit; conduct financial analysis of corporate financial statements.
   • Work closely with multiple insurance agents on underwriting fidelity bonds.
   • Obtain information from clients and underwrite and execute bonds as attorney-in-fact.
   • Determine desirability of surety accounts through review and financial analysis by working with agents and clients.
   • Review individual mortgage origination/post origination documentation and perform database research.

3. Make a budget

   Including a salary range in your bond underwriter job description is a great way to entice the best and brightest candidates. A bond underwriter salary can vary based on several factors:

   • Location. For example, bond underwriters' average salary in mississippi is 34% less than in massachusetts.
   • Seniority. Entry-level bond underwriters earn 53% less than senior-level bond underwriters.
   • Certifications. A bond underwriter with a few certifications under their belt will likely demand a higher salary.
   • Company. Working for a prestigious company or an exciting start-up can make a huge difference in a bond underwriter's salary.

   Average bond underwriter salary

   $78,172yearly

   $37.58 hourly rate

   ---

   Entry-level bond underwriter salary

   $53,000 yearly salary

   Updated December 31, 2025

4. Writing a bond underwriter job description

   A job description for a bond underwriter role includes a summary of the job's main responsibilities, required skills, and preferred background experience. Including a salary range can also go a long way in attracting more candidates to apply, and showing the first name of the hiring manager can also make applicants more comfortable. As an example, here's a bond underwriter job description:

   Bond underwriter job description example

   At EMC, you'll put your skills to good use as an important member of our team. You can count on gaining valuable experience while contributing to the company's success. EMC strives to hire and retain the best people by engaging, developing and rewarding employees.
   
   Produces and underwrites new and renewal bond business in an assigned territory. Maintains productive relationships with assigned agents. Attends industry events to network and build new agency relationships to bring in new business.
   Essential Functions:
   Underwrites accounts within an assigned underwriting authority level, and services existing bond accounts Analyzes financial statements, work in progress reports, and overall credit worthiness Builds and maintains new agency relationships, and monitors and maintains existing relationships Educates agents on the bond philosophy and services EMC provides its customers, and markets these services to agents Maintains current files and sets up new account files and performs account visits
   
   Education & Experience:
   Bachelor's degree, preferably in accounting, finance, or business, or equivalent relevant experience One year of experience in bond underwriting or equivalent
   
   **Candidates may qualify for a Senior Bond Underwriter if they meet these requirements
   Bachelor's degree, preferably in accounting, finance, or business, or related field, or equivalent relevant experience Five years of experience with bond underwriting, or related experience Associate in Fidelity and Surely Bonding (AFSB) designation preferred
   
   Knowledge, Skills & Abilities:
   Excellent bond underwriting knowledge Excellent analytical, financial, and problem-solving skills Excellent written and verbal communication and organization skills Good keyboarding skills, Internet and computer knowledge Excellent human relations skills Travel required; a valid driver's license with an acceptable motor vehicle report per company standards required if traveling
   
   Our employment practices are in accord with the laws which prohibit discrimination due to race, color, creed, sex, sexual orientation, gender identity, genetic information, religion, age, national origin or ancestry, physical or mental disability, medical condition, veteran status, active military status, citizenship status, marital status or any other consideration made unlawful by federal, state, or local laws.
   
   All of our locations are tobacco free including in company vehicles.
   
   To learn more about why you're gonna love it here, watch the video below.

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5. Post your job

   There are various strategies that you can use to find the right bond underwriter for your business:

   • Consider promoting from within or recruiting from your existing workforce.
   • Ask for referrals from friends, family members, and current employees.
   • Attend job fairs at local colleges to find candidates who meet your education requirements.
   • Use social media platforms like LinkedIn, Facebook, and Twitter to reach potential job candidates.

   Post your job online:

   • Post your bond underwriter job on Zippia to find and recruit bond underwriter candidates who meet your exact specifications.
   • Use field-specific websites such as efinancialcareers, financialjobsweb.com, careerbank, financial job bank.
   • Post a job on free websites.

6. Interview candidates

   Recruiting bond underwriters requires you to bring your A-game to the interview process. The first interview should introduce the company and the role to the candidate as much as they present their background experience and reasons for applying for the job. During later interviews, you can go into more detail about the technical details of the job and ask behavioral questions to gauge how they'd fit into your current company culture.

   Remember to include a few questions that allow candidates to expand on their strengths in their own words. Asking about their unique skills might reveal things you'd miss otherwise. At this point, good candidates can move on to the technical interview.

   The right interview questions can help you assess a candidate's hard skills, behavioral intelligence, and soft skills.

7. Send a job offer and onboard your new bond underwriter

   Once you have selected a candidate for the bond underwriter position, it is time to create an offer letter. In addition to salary, the offer letter should include details about benefits and perks that are available to the employee. Ensuring your offer is competitive is vital, as qualified candidates may be considering other job opportunities. The candidate may wish to negotiate the terms of the offer, and it is important to be open to discussion and reach a mutually beneficial agreement. After the offer has been accepted, it is a good idea to formalize the agreement with a contract.

   It's also good etiquette to follow up with applicants who don't get the job by sending them an email letting them know that the position has been filled.

   Once that's done, you can draft an onboarding schedule for the new bond underwriter. Human Resources should complete Employee Action Forms and ensure that onboarding paperwork is completed, including I-9s, benefits enrollment, federal and state tax forms, etc. They should also ensure that new employee files are created for internal recordkeeping.

8. Go through the hiring process checklist

   • Determine employee type (full-time, part-time, contractor, etc.)
   • Submit a job requisition form to the HR department
   • Define job responsibilities and requirements
   • Establish budget and timeline
   • Determine hiring decision makers for the role
   • Write job description
   • Post job on job boards, company website, etc.
   • Promote the job internally
   • Process applications through applicant tracking system
   • Review resumes and cover letters
   • Shortlist candidates for screening
   • Hold phone/virtual interview screening with first round of candidates
   • Conduct in-person interviews with top candidates from first round
   • Score candidates based on weighted criteria (e.g., experience, education, background, cultural fit, skill set, etc.)
   • Conduct background checks on top candidates
   • Check references of top candidates
   • Consult with HR and hiring decision makers on job offer specifics
   • Extend offer to top candidate(s)
   • Receive formal job offer acceptance and signed employment contract
   • Inform other candidates that the position has been filled
   • Set and communicate onboarding schedule to new hire(s)
   • Complete new hire paperwork (i9, benefits enrollment, tax forms, etc.)

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