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A strong underwriter resume should show the quality of your decisions and the size of the risk you manage. Highlight book size or files per day, approval authority, loss ratios or delinquency rates, retention and hit ratios, turn times, and quality audit or defect results. Name your designations and systems, because CPCU, FALU, FHA and VA authority, and underwriting platforms are filtered on. State your line plainly, since a personal lines, commercial, life, loan, specialty, mortgage, and trainee underwriter are hired on different evidence. Use the examples below to see how to turn underwriting work into clear, results-focused resume achievements.
Meet Colby Ostrowski, a personal lines underwriter for a regional insurer with a $420M book written by 900 agents. This example shows core evidence: 55 submissions a day, a 58% loss ratio against a 64% target, and referral turnaround cut to 1 day.
(717) 555-0128 ◇ Harrisburg, PA
colby.ostrowski@example.com ◇ linkedin.com/in/colby-ostrowski ◇ colbyostrowski.com
Personal lines underwriter with 5 years in property and casualty insurance, currently underwriting homeowners and auto business for a regional insurer writing $420M in premium through 900 independent agents. Reviews about 55 submissions and referrals a day, keeps a book loss ratio of 58% against a 64% target, and cut average referral turnaround from 3 days to 1. Makes consistent, well-documented decisions that agents can understand and trust.
Coursework in Property and Liability Insurance, Risk Analysis, Insurance Law, and Statistics.
3 of 8 CPCU courses completed, with the designation expected in 2027.
Referral Turnaround Improvement. Mapped the referral process, added a daily queue review, and wrote 15 decision templates for common referral types with the underwriting manager, which cut average referral turnaround from 3 days to 1 and lifted agent satisfaction with underwriting from 3.5 to 4.4 of 5.
Roof Age Renewal Review. Used aerial imagery and inspection data to review 2,800 renewals with roofs over 20 years old, requiring repairs or changing coverage on 340, which cut wind and hail losses on the reviewed group by about 30% the next year.
Agency Book Scorecard. Built a Tableau scorecard for 140 agencies showing loss ratio, growth, and referral quality, reviewed with each agency 2 times a year, which helped 12 poor-performing agencies bring loss ratios under target within 18 months.
Meet Eamon Keogh, a middle market commercial underwriter managing a $48M book for a national carrier. This example shows commercial evidence: the book grown 31% at a 54% loss ratio, 88% retention, and a 27% new business hit ratio.
(410) 555-0159 ◇ Baltimore, MD
eamon.keogh@example.com ◇ linkedin.com/in/eamon-keogh ◇ eamonkeogh.com
Commercial underwriter with 9 years in middle market property and casualty, currently managing a $48M book of manufacturing, wholesale, and contractor accounts for a national carrier. Grew the book 31% in 3 years while holding a 54% loss ratio, keeps an 88% renewal retention rate, and wins 27% of quoted new business against a 19% office average. Builds strong broker relationships through fast, clear decisions and well-reasoned pricing.
Coursework in Corporate Finance, Risk Management, Business Law, and Financial Statement Analysis.
Also holds the Associate in Commercial Underwriting (AU) designation.
Manufacturing Segment Growth. Built a manufacturing appetite guide with 12 target classes and pricing guidance, visited 20 key broker offices, and set a 48-hour quote target, which grew the manufacturing segment from $14M to $22M in 3 years with a 51% loss ratio.
Renewal Retention Programme. Started reviewing top renewals 120 days before expiry with broker strategy calls and loss control reports, which raised renewal retention on the book from 81% to 88% and kept about $3.4M in premium that had been at risk.
Contractor Appetite Guide. Wrote a 1-page appetite guide for 15 contractor classes with examples of wanted and unwanted risks, sent to 60 agents with a quarterly update, which grew the contractor segment 40% in 2 years and cut declined submissions by about half.
Meet Lucinda Farraday, a life insurance underwriter with authority up to $5M for a mutual insurer. This example shows life underwriting evidence: 30 cases a day, 97% audit agreement, and 42% of applications moved to accelerated underwriting.
(402) 555-0182 ◇ Lincoln, NE
lucinda.farraday@example.com ◇ linkedin.com/in/lucinda-farraday ◇ lucindafarraday.com
Life insurance underwriter with 8 years of experience, currently underwriting individual life and disability applications for a mutual insurer with $2.1B in annual premium. Decides about 30 cases a day with approval authority up to $5M, holds 97% agreement on quality audits, and helped move 42% of applications to accelerated underwriting without medical exams. Balances careful risk decisions with a fast, fair experience for applicants.
Coursework in Physiology, Pharmacology, Biostatistics, and Epidemiology.
Also holds the Fellow, Life Management Institute (FLMI) designation from LOMA.
Accelerated Underwriting Rollout. Worked with actuaries and IT to test data-driven rules on 5,000 past cases, compare results with full underwriting, and tune 30 rules, which moved 42% of applications to accelerated decisions and cut average decision time from 24 to 6 days with mortality in line with pricing.
Diabetes Rating Guideline Review. Reviewed 400 recent diabetes cases against the reinsurer manual and company experience with a medical director, then proposed updated ratings for well-controlled cases, which raised offers at standard or better from 18% to 31% for that group.
Medical Records Follow-Up Routine. Built a weekly follow-up routine and tracking sheet for outstanding medical records across 6 underwriters, which cut average wait time from 21 to 12 days and reduced cases closed as incomplete by 25%.
Meet Hector Paredes, a senior loan underwriter at a credit union with 280,000 members. This example shows lending evidence: 35 applications a day with authority up to $250,000, 0.6% delinquency, and decision time cut from 2 days to 5 hours.
(915) 555-0136 ◇ El Paso, TX
hector.paredes@example.com ◇ linkedin.com/in/hector-paredes ◇ hectorparedes.com
Loan underwriter with 7 years in consumer and small business lending, currently underwriting auto, personal, and small business loans for a credit union with $3.4B in assets and 280,000 members. Decides about 35 applications a day with approval authority up to $250,000, holds a 60-day delinquency rate of 0.6% on approved loans, and cut average decision time from 2 days to 5 hours. Looks past the credit score to understand each member and their ability to repay.
Coursework in Credit Analysis, Financial Statement Analysis, Banking, and Business Statistics.
Small business cash flow analysis, collateral valuation, and SBA lending basics.
Auto-Decision Rules. Analysed 3 years of auto and personal loan performance with the risk team to write 18 rules for approving simple, low-risk applications automatically, tested on 12,000 past loans, which now decide 40% of applications instantly and cut average decision time from 2 days to 5 hours.
Small Business Express Loan Programme. Helped design a small business express loan up to $150,000 with a 2-page application, cash flow checklist, and 3-day decision target, which funded 210 loans worth $19M in 2 years with a 0.9% charge-off rate.
Second Look Programme. Set up a second review for declined applicants with thin credit files, using rent, utility, and payroll history, which approved 640 members in 18 months who would have been declined, with delinquency in line with the portfolio.
Meet Ingeborg Nygaard, a senior cyber underwriter managing $62M in premium on a $190M book. This example shows senior specialty evidence: a 49% loss ratio over 4 years, authority up to $10M, and security scan rules used on every new account.
(312) 555-0149 ◇ Chicago, IL
ingeborg.nygaard@example.com ◇ linkedin.com/in/ingeborg-nygaard ◇ ingeborgnygaard.com
Senior underwriter with 12 years in specialty insurance, currently leading cyber and technology errors and omissions underwriting for a specialty carrier with a $190M cyber book. Personally manages $62M in premium with authority up to $10M in limits, delivered a 49% loss ratio over 4 years in a hard market for cyber, and built the security scan rules now used on every new account. Combines careful technical review with strong broker partnerships.
Coursework in Risk and Insurance, Econometrics, Networks, and Information Security.
Also holds the CompTIA Security+ certification to support technical risk reviews.
Security Scan Underwriting Rules. Worked with a data vendor and actuaries to link external scan results for 3,000 insured companies to 4 years of claims, finding 6 signals that predicted ransomware losses, and built them into rules used on every new account, which cut ransomware claim frequency on new business by about 35%.
Hard Market Portfolio Reset. Led a review of 900 cyber accounts during a hard market, requiring multi-factor authentication and backups, cutting limits or adding coinsurance on 180 accounts, and raising rates 45% on average, which brought the book to a 49% loss ratio over 4 years.
Underwriter Training Curriculum. Built a 10-module cyber underwriting curriculum on security controls, coverage, and pricing, taught to 14 underwriters in 2 cohorts, which cut referrals to senior underwriters by about 30% and raised audit scores for trainees to 95%.
Meet Tamika Rollins, a senior mortgage underwriter with FHA and VA authority at a lender funding $6B a year. This example shows mortgage evidence: a 1.2% post-closing defect rate and underwriting turn time cut from 72 hours to 24.
(904) 555-0172 ◇ Jacksonville, FL
tamika.rollins@example.com ◇ linkedin.com/in/tamika-rollins ◇ tamikarollins.com
Mortgage underwriter with 8 years in residential lending, currently underwriting conventional, FHA, and VA loans for a mortgage lender funding $6B a year. Holds FHA Direct Endorsement and VA SAR authority, underwrites about 5 files a day with a 1.2% defect rate on post-closing quality control, and cut average underwriting turn time from 72 hours to 24. Clears loans quickly while protecting investor quality.
Coursework in Real Estate Finance, Credit Analysis, Accounting, and Business Law.
Also holds the Certified Mortgage Underwriter credential from a national mortgage bankers group.
Turn Time Reduction. Built a standard condition checklist by loan type, a daily pipeline review with processors, and a rule to issue all conditions in 1 pass, which cut average underwriting turn time from 72 hours to 24 and reduced resubmissions by 40%.
Self-Employed Income Guide. Wrote a 15-page guide with worked examples for calculating self-employed income from personal and business tax returns, used by 20 underwriters and 60 loan officers, which cut income-related defects in quality control by about half.
Quality Control Defect Review. Analysed 12 months of post-closing defects across 18 underwriters and found 5 recurring causes, then ran 4 training sessions and added checklist items, which brought the team defect rate from 3.8% to 1.9%.
Meet Nico Alvarenga, a 2026 risk management graduate in a commercial underwriting trainee programme. This example shows entry level evidence: 60 renewal summaries in an internship, a state licence, and 2 CPCU courses passed before graduation.
(813) 555-0118 ◇ Tampa, FL
nico.alvarenga@example.com ◇ linkedin.com/in/nico-alvarenga ◇ nicoalvarenga.com
Entry level underwriter and 2026 risk management and insurance graduate, now an underwriting trainee at a commercial insurer after a summer underwriting internship. Prepared 60 renewal summaries and loss run analyses during the internship, holds the state property and casualty licence, and passed 2 of the CPCU courses before graduation. Analytical, organised, and ready to learn risk selection from experienced underwriters.
GPA 3.7. Coursework in Commercial Property and Liability, Risk Analysis, Insurance Operations, and Financial Statement Analysis.
Passed CPCU 500 and CPCU 520 as a student through a university sponsorship.
Hurricane Exposure Map. Built a Power BI map of 300 insured property locations with wind zone, construction type, and insured value during the internship, which showed that 18% of value sat within 1 mile of the coast and helped underwriters plan 25 renewal reviews before hurricane season.
Renewal Summary Template. Built an Excel renewal summary template that pulls loss runs, exposure changes, and prior pricing onto 1 page, used on 60 renewals, which cut renewal preparation time for 3 underwriters by about 30%.
Insurance Case Competition. Led a 4-person student team analysing the risk profile of a regional restaurant chain and recommending coverage and pricing, which placed 3rd of 24 teams in a national risk management case competition in 2025.
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