How to hire an underwriting account representative

How to hire an underwriting account representative, step by step

Here's a step-by-step underwriting account representative hiring guide:

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

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1. Identify your hiring needs

   The underwriting account representative hiring process starts by determining what type of worker you actually need. Certain roles might require a full-time employee, whereas part-time workers or contractors can do others.

   Determine employee vs contractor status

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

   Yes

   No

   Hiring the perfect underwriting account representative also involves considering the ideal background you'd like them to have. Depending on what industry or field they have experience in, they'll bring different skills to the job. It's also important to consider what levels of seniority and education the job requires and what kind of salary such a candidate would likely demand.

   This list shows salaries for various types of underwriting account representatives.

   Type of Underwriting Account Representative	Description	Hourly rate
   Underwriting Account Representative	Insurance underwriters decide whether to provide insurance and under what terms. They evaluate insurance applications and determine coverage amounts and premiums.	$16-31
   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
   Commercial Lines Underwriter	Commercial lines underwriters are professionals who are responsible for reviewing corporate insurance applications to evaluate the risk involved and to approve or disapprove applicants. These underwriters are required to analyze the business information of their clients as well as monitor their activities to change insurance policies when risk is high or substandard... Show more	$21-50

   Show more

2. Create an ideal candidate profile

   Common skills:

   • Customer Service
   • Insurance Coverage
   • Market Trends
   • Underwriting Guidelines
   • Credit Card Payments
   • Insurance Products
   • Inbound Calls
   • Inspection Reports
   • Insurance Policies
   • Computer System

   Responsibilities:

   • Assist underwriters in expediting new business, processing endorsements and/or modifying existing policies while achieving broker relationships.
   • Verify medicaid waive eligibility for non-emergency transportation.
   • Train hundreds of union members throughout Louisiana using PowerPoint presentations on how to become politically involve and mobilize.

3. Make a budget

   Including a salary range in your underwriting account representative job description is a great way to entice the best and brightest candidates. An underwriting account representative salary can vary based on several factors:

   • Location. For example, underwriting account representatives' average salary in south carolina is 34% less than in hawaii.
   • Seniority. Entry-level underwriting account representatives earn 48% less than senior-level underwriting account representatives.
   • Certifications. An underwriting account representative 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 an underwriting account representative's salary.

   Average underwriting account representative salary

   $47,475yearly

   $22.82 hourly rate

   ---

   Entry-level underwriting account representative salary

   $34,000 yearly salary

   Updated December 19, 2025

4. Writing an underwriting account representative job description

   An underwriting account representative job description should include a summary of the role, required skills, and a list of responsibilities. It's also good to include a salary range and the first name of the hiring manager. To help get you started, here's an example of an underwriting account representative job description:

   Underwriting account representative job description example

   As an Underwriter for Supplemental Benefits, you are part of a team assessing risk for Medicare Supplement and a portfolio of supplemental products including Whole Life and Cancer and Heart plans. This team interacts with agents and applicants regarding underwriting requirements and underwriting decisions. This is a remote position so bring your problem solving and analytical skills as well as your computer knowledge as we change people's lives for the better.
   Schedule:
   
   100% Remote
   
   Schedule: Monday - Friday 8am - 5pm
   
   PRIMARY DUTIES/RESPONSIBILITIES:
   Accurately assess medical history according to established underwriting criteria. This will include review of the enrollment application and available third party data to assist with risk evaluation Understanding of the portfolio of product offerings and the different underwriting criteria used to accurately evaluate an enrollment application. Reach out to applicants for clarity regarding medical history. This will include asking additional probing questions related to medical history or prescription usage. Complete application reviews timely. This will include reviewing applications within established turnaround times to meet service level targets. Clearly communicate underwriting decision details for denied coverage. This will include creating accurate and complete written correspondence. Build and maintain relationships with other members of the new business team to include the UW Support Team.
   
   Top Skills:
   Prior medical insurance underwriting experience Stable internet connection Stable work space with no distractions Insurance related work experience preferred. Prior underwriting experience a plus. Above average knowledge of medical conditions/prescriptions Ability to work independently and as part of a team is essential Excellent verbal and written communication skills Proficiency using Microsoft Office, specifically Word and Excel Ability to meet production and quality standards
   
   Education/Experience:
   
   Minimum of a High School diploma or G.E.D. required
   
   Note: Prior Medical Insurance Underwriting required. At least 1 year of experience preferred

   Copy this example

   

5. Post your job

   To find underwriting account representatives for your business, try out a few different recruiting strategies:

   • Consider internal talent. One of the most important talent pools for any company is its current employees.
   • Ask for referrals. Reach out to friends, family members, and your current work to ask if they know any underwriting account representatives they would recommend.
   • Recruit at local colleges. Attend job fairs at local colleges to recruit entry-level underwriting account representatives with the right educational background.
   • Social media platforms. LinkedIn, Facebook, and Twitter have more than 3.5 billion users, and they're a great place for company branding and reaching potential job candidates.

   Post your job online:

   • Post your underwriting account representative job on Zippia to find and recruit underwriting account representative 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

   To successfully recruit underwriting account representatives, your first interview needs to engage with candidates to learn about their interest in the role and experience in the field. You can go into more detail about the company, the role, and the responsibilities during follow-up interviews.

   You should also ask about candidates' unique skills and talents to see if they match the ideal candidate profile you developed earlier. Candidates good enough for the next step can complete 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 underwriting account representative

   Once you have selected a candidate for the underwriting account representative 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 equally important to follow up with applicants who don't get the job with an email letting them know that the position has been filled.

   To prepare for the new employee's start date, you can create an onboarding schedule and complete any necessary paperwork, such as employee action forms and onboarding documents like I-9 forms, benefits enrollment, and federal and state tax forms. Human Resources should also ensure that a new employee file is created.

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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