Underwriting service representative vs senior underwriter

The differences between underwriting service representatives and senior underwriters can be seen in a few details. Each job has different responsibilities and duties. Additionally, a senior underwriter has an average salary of $69,375, which is higher than the $48,433 average annual salary of an underwriting service representative.

The top three skills for an underwriting service representative include insurance policies, customer service and customer inquiries. The most important skills for a senior underwriter are customer service, portfolio, and underwriting guidelines.

Underwriting service representative vs senior underwriter overview

	Underwriting Service Representative	Senior Underwriter
Yearly salary	$48,433	$69,375
Hourly rate	$23.29	$33.35
Growth rate	-4%	-4%
Number of jobs	112,289	6,726
Job satisfaction	-	-
Most common degree	Bachelor's Degree, 60%	Bachelor's Degree, 71%
Average age	40	44
Years of experience	12	-

Underwriting service representative vs senior underwriter salary

Underwriting service representatives and senior underwriters have different pay scales, as shown below.

	Underwriting Service Representative	Senior Underwriter
Average salary	$48,433	$69,375
Salary range	Between $36,000 And $64,000	Between $44,000 And $108,000
Highest paying City	-	New York, NY
Highest paying state	-	New York
Best paying company	-	Capital Group
Best paying industry	-	Insurance

Differences between underwriting service representative and senior underwriter education

There are a few differences between an underwriting service representative and a senior underwriter in terms of educational background:

	Underwriting Service Representative	Senior Underwriter
Most common degree	Bachelor's Degree, 60%	Bachelor's Degree, 71%
Most common major	Business	Business
Most common college	-	University of Pennsylvania

Underwriting service representative vs senior underwriter demographics

Here are the differences between underwriting service representatives' and senior underwriters' demographics:

	Underwriting Service Representative	Senior Underwriter
Average age	40	44
Gender ratio	Male, 32.1% Female, 67.9%	Male, 42.0% Female, 58.0%
Race ratio	Black or African American, 12.7% Unknown, 5.7% Hispanic or Latino, 19.1% Asian, 7.3% White, 54.6% American Indian and Alaska Native, 0.7%	Black or African American, 9.3% Unknown, 2.5% Hispanic or Latino, 9.4% Asian, 5.6% White, 72.9% American Indian and Alaska Native, 0.4%
LGBT Percentage	7%	9%

Differences between underwriting service representative and senior underwriter duties and responsibilities

Underwriting service representative example 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.

Senior underwriter example responsibilities.

Manage AUS findings and analyze approvals and results accordingly.
Perform underwriter approval/declines on FHA, VA, FmHA and conventional loan applications providing financing for one-to-four family residential properties.
Fix and n variable annuities.
Check for the accuracy and proper recording of UCC filings and mortgages.
Order and review flood searches, title reports, UCC searches, appraisals, insurance policies and binders, and contracts.
Review preliminary HUD-1 for accuracy.

Underwriting service representative vs senior underwriter skills

Common underwriting service representative skills

Insurance Policies, 11%
Customer Service, 11%
Customer Inquiries, 6%
Risk Analysis, 6%
Underwriting Guidelines, 6%
Financial Statements, 6%

Common senior underwriter skills

Customer Service, 11%
Portfolio, 8%
Underwriting Guidelines, 5%
Strong Analytical, 4%
SR, 4%
Excellent Interpersonal, 4%

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Underwriting Service Representative
Underwriting Service Representative vs Senior Underwriter

Updated January 8, 2025

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