JUNIOR UNDERWRITER SKILLS, EXPERIENCE, AND JOB REQUIREMENTS

Published: Dec 30, 2025 - The Junior Underwriter has experience underwriting various mortgage products, including Non-QM, Bridge, SFR, and other residential loans, along with a solid understanding of appraisal valuations and reviews. This role requires strong organizational skills to manage multiple projects under time constraints, effective communication with senior management, and proficiency in MS Office applications. The underwriter also demonstrates excellent English language skills, strong interpersonal abilities, and a clear drive to stand out from peers.

Essential Hard and Soft Skills for a Standout Junior Underwriter Resume
  • Loan Underwriting
  • Credit Analysis
  • Income Analysis
  • Risk Assessment
  • Regulatory Compliance
  • AUS Review
  • Financial Analysis
  • Loan Documentation
  • Due Diligence
  • Data Validation
  • Attention Detail
  • Clear Communication
  • Problem Solving
  • Time Management
  • Team Collaboration
  • Customer Focus
  • Organizational Skills
  • Professional Integrity
  • Adaptability
  • Stakeholder Communication

Summary of Junior Underwriter Knowledge and Qualifications on Resume

1. BS in Accounting with 2 years of Experience

  • Previous experience within the Financial Services sector.
  • Previous experience within the Mortgage industry.
  • Working knowledge of PC software in a Windows environment.
  • Ability to build and maintain positive relationships.
  • Strong aptitude for service excellence.
  • Strong communication skills, both written and verbal, in French and English.
  • Ability to deal with conflict.
  • Must have analytical skills.
  • Ability to pay attention to detail.
  • Strong organizational and time management skills.
  • Able to work competently in working with basic PC software and working knowledge of the suite of Microsoft Office products.
  • Ability to manage pressure in an environment of high-volume processing with tight turnaround times.

2. BA in Economics with 4 years of Experience

  • Technical underwriting experience with A&H insurance products.
  • Must have analytical and quantitative skills.
  • Must have process and system skills.
  • Strong customer service ethic, with a sound understanding of the business processes.
  • Strong presentation, prioritization, and time management.
  • Good level of English and Fluent in Italian.
  • Strong execution and results orientation.
  • Strong communication (oral and written) and influencing skills.
  • Proven ability to collaborate and work across multiple areas of the organization.
  • Proven ability to build strong relationships with producers, clients and colleagues.

3. BS in Risk Management and Insurance with 3 years of Experience

  • Able to speak bilingual, Spanish and English.
  • Experience as an Office Manager/Administrator/Receptionist in an office environment.
  • Expert proficiency with Microsoft Office.
  • Strong verbal and written communication skills.
  • Exceptional organizational skills and impeccable attention to detail.
  • Strong interpersonal skills and the ability to work effectively with multiple stakeholders.
  • Ability to react with appropriate levels of urgency to situations and events that require quick response or turnaround.
  • Able to maintain a high level of integrity and discretion in handling confidential information.

4. BS in Finance with 2 years of Experience

  • Working experience ideally in a bank/financial institution.
  • Good command/knowledge of English (written and verbal).
  • Intermediate Spanish and/or Italian language skills.
  • Ability to act to help or serve customers, focusing efforts on discovering and meeting their needs.
  • Ability to access and update computerized information, accurate data entry, and excellent attention to detail.
  • Ability to dependability, resilience, conscientiousness and ability to work in a team.
  • Ability to work independently, motivated, and customer-oriented.
  • Willingness/readiness for continued development/personal growth.
  • Experience using Microsoft products, including Outlook, Excel, Word, and PowerPoint.
  • Strong interpersonal and communication skills.

5. BS in Business Administration with 3 years of Experience

  • Excellent organizational skills.
  • Ability to pay attention to detail, along with a keen eye for identifying problems.
  • Ability to work in a team environment.
  • Strong math skills and computer literacy.
  • Ability to work under pressure, multitask and meet deadlines in a fast-paced environment.
  • Superb oral and written communication skills and interpersonal skills.
  • Willingness to perform multiple functions throughout the day as the need arises.
  • Understanding of the processing workflow and loan submissions to underwriting.
  • Knowledge of FNMA DU and Freddie Mac LP and conditions.

6. BS in Mathematics with 5 years of Experience

  • Wholesale/commercial credit underwriting experience and prior credit approval authority.
  • Detail-oriented with the ability to analyze cash flow, leverage and gauge customer strength.
  • Experience in lending to a wide variety of industries, loan types, and sizes of companies.
  • Strong written/verbal communication and presentation skills.
  • Demonstrated ability to make sound business judgments while protecting the interests of the bank.
  • Strong technical skills.
  • Advanced proficiency in MS Excel and Word.
  • Must be a team player with strong analytical skills.
  • Must be detail-oriented with attention to accuracy and organization.

7. BS in Statistics with 2 years of Experience

  • Must have client service experience (phone).
  • Willingness to learn and be coached.
  • Must be adaptable to a flexible, fast-changing industry.
  • Must have a desire to collaborate in a friendly, team environment.
  • Ability to be self-motivated with a strong work ethic.
  • Ability to accept accountability for any actions.
  • Ability to work on-site.
  • Experience within the insurance industry, a background in FI, D&O, Marine, Energy, Casualty, Property, or Reinsurance.
  • Strong communication skills.
  • Ability to work in a collaborative team.

8. BA in Insurance Studies with 4 years of Experience

  • Experience underwriting multiple products, including Non-QM, Bridge, SFR and other residential mortgage loans.
  • Knowledge of appraisal valuations and reviews.
  • Ability to manage multiple projects at a time and prioritize accordingly.
  • Ability to effectively communicate, both written and verbally, with Senior Management regarding the progress and results of volume and timelines.
  • Ability to work effectively under time constraints.
  • Excellent command of English.
  • Must have strong social skills.
  • Strong knowledge of MS Office applications.
  • Must have a desire to differentiate herself/himself from peers.
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