How to hire an underwriting service representative

How to hire an underwriting service representative, step by step

Here's a step-by-step underwriting service 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 service representative job description
• Step 5: Post your job
• Step 6: Interview candidates
• Step 7: Send a job offer and onboard your new underwriting service representative
• Step 8: Go through the hiring process checklist

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1. Identify your hiring needs

   Before you post your underwriting service representative 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 an underwriting service representative 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

   An underwriting service representative's background is also an important factor in determining whether they'll be a good fit for the position. For example, underwriting service representatives 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 underwriting service representative salaries for various positions.

   Type of Underwriting Service Representative	Description	Hourly rate
   Underwriting Service Representative	Customer service representatives interact with customers to handle complaints, process orders, and provide information about an organization’s products and services.	$17-30
   Service Officer	A service officer or client services officer is a professional who is a part of a financial management team that delivers services to customers. Service officers provide client support services by maintaining a high level of professionalism and competence in client interactions... Show more	$15-35
   Representative	Representatives are lawmakers who represent the people in a specific district. They run for office to represent their districts in their hometown or their current place of living... Show more	$11-26

   Show more

2. Create an ideal candidate profile

   Common skills:

   • Insurance Policies
   • Customer Service
   • Customer Inquiries
   • Risk Analysis
   • Underwriting Guidelines
   • Financial Statements
   • Auto Insurance
   • Calculation
   • Credit Decisions
   • Loan Modifications
   • GSE
   • Policy Changes
   • Tax Returns
   • Underwriting Process

   Check all skills

   Responsibilities:

   • Process documentation within manage database systems and ImageRight system for the legal binding of commercial insurance risk.
   • Examine injure persons and administer first aid or cardiopulmonary resuscitation, if necessary, using training and medical supplies and equipment.
   • Process documentation within manage database systems and ImageRight system for the legal binding of commercial insurance risk.

3. Make a budget

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

   • Location. For example, underwriting service representatives' average salary in new mexico is 48% less than in district of columbia.
   • Seniority. Entry-level underwriting service representatives earn 44% less than senior-level underwriting service representatives.
   • Certifications. An underwriting service 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 service representative's salary.

   Average underwriting service representative salary

   $48,433yearly

   $23.29 hourly rate

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   Entry-level underwriting service representative salary

   $36,000 yearly salary

   Updated December 16, 2025

4. Writing an underwriting service representative job description

   An underwriting service 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. Below, you can find an example of an underwriting service representative job description:

   Underwriting service representative job description example

   Chubb is the world's largest publicly traded property and casualty insurer. With operations in 54 countries, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. The company is distinguished by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength, underwriting excellence, superior claims handling expertise and local operations globally.
   
   We are currently hiring for Portfolio Underwriters in Whitehouse Station, NJ to join a training class starting in February 2023.
   As a Personal Risk Services, PRS, Portfolio Underwriter, you are accountable for:
   
   Individual risk selection for accounts generating an annual premium less than $50,000 Assuming a producer relationship and account leadership role in the achievement of profit, growth and retention for assigned book of business Working closely with key producers on all Portfolio accounts for assigned territories Assuring that the quality of new business is consistent with PRS' strategy and prescribed underwriting guidelines as well as catastrophe management objectives Evaluating account details (contract modifications, writing companies, deductibles, overall account rating structure based on all exposures including up-sell and account rounding opportunities) Developing technical expertise in the underwriting and pricing of all Portfolio products Working with the producer and branch to coordinate annual insurance reviews that identify product and service needs of customers Analyzing customer information and making recommendations for additional coverage and services Aggressively researching and analyzing industry trends (insurance and customer) to stay current and identifying emerging issues affecting business plans, new product and service opportunities; actively sharing with constituents Preparing renewal proposals that assist the producers in promoting account retention and growth Communicating any potential account acquisition or growth issues to branch and Home Office Coordinating the underwriting, pricing, proposal and placement process for Custom Solutions exposures with Home Office resources Obtaining quotes and assisting producers with coverage options for exposures written outside of PRS' underwriting platform (International Exposures, Custom Solutions, Flood, EPLI, Workers' Compensation, Kidnap & Ransom, Boiler & Machinery) Contributing to the training of staff within the Underwriting Center and Region on Portfolio capabilities Soliciting and conducting customer visits
   
   Salary grade may be flexible, depending on candidate experience.
   
   Qualifications:
   
   Competencies :
   
   Strong verbal and written communication skills Strong collaboration and negotiation skills Creative problem-solving skills Strong technical underwriting skills In depth knowledge of PRS' strategies, products and services Strong history of results and customer service orientation Ability to create strong Producer, Home Office Underwriting, Marketing, Territory and Branch Manager relationships
   
   Chubb strives to offer a diverse and inclusive and rewarding work environment.Teamwork and mutual respect are central to how Chubb operates, and we believe the best solutions draw upon diverse perspectives, experiences and skills.We operate in such a way where everyone, regardless of their singular background has the opportunity to contribute to our collective success.

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5. Post your job

   There are various strategies that you can use to find the right underwriting service representative 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 underwriting service representative job on Zippia to find and recruit underwriting service representative candidates who meet your exact specifications.
   • Use field-specific websites.
   • Post a job on free websites.

6. Interview candidates

   Your first interview with underwriting service representative candidates should focus on their interest in the role and background experience. As the hiring process goes on, you can learn more about how they'd fit into the company culture in later rounds of 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 service representative

   Once you've selected the best underwriting service representative candidate for the job, it's time to write an offer letter. In addition to salary, this letter should include details about the benefits and perks you offer the candidate. Ensuring that your offer is competitive is essential, as qualified candidates may be considering other job opportunities. The candidate may wish to negotiate the terms of the offer, and you should be open to discussion. After you reach an agreement, the final step is formalizing the agreement with a contract.

   It's also important to follow up with applicants who do not get the job with an email letting them know that the position is filled.

   After that, you can create an onboarding schedule for a new underwriting service representative. Human Resources and the hiring manager should complete Employee Action Forms. Human Resources should also ensure that onboarding paperwork is completed, including I-9s, benefits enrollment, federal and state tax forms, etc., and that new employee files are 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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