Updated for 2026

Senior Underwriter
Resume Example

A proven resume structure for senior underwriter roles that demonstrates risk selection expertise, portfolio profitability, and mentoring capabilities.

ATS Score
89
Excellent
Keywords · Impact · Format
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Thomas Eriksen

Hartford, CT  |  [email protected]  |  (555) 841-2067  |  linkedin.com/in/thomaseriksen
Summary

Senior underwriter with 7 years of experience in commercial property and casualty lines, managing a $320M book of business with a combined ratio of 92%. Mentored 4 junior underwriters while maintaining a 98.5% file accuracy rate and growing premium volume by 18% year-over-year.

Technical Skills
Underwriting: commercial P&C, risk selection, pricing analysis, loss ratio management, treaty & facultative reinsurance
Tools & Systems: Guidewire PolicyCenter, Duck Creek, ISO/AAIS rating, Excel modeling, Verisk analytics
Industry Knowledge: NAIC regulations, surplus lines, E&S markets, workers' compensation, general liability
Experience
Senior Underwriter - Northbridge Insurance Group
  • Manage a $320M commercial P&C book of business across 1,400+ accounts, maintaining a combined ratio of 92% against a target of 97%
  • Grew premium volume by 18% ($48M) year-over-year through strategic account rounding and new business development in mid-market commercial segments
  • Mentored 4 junior underwriters, reducing their average file review time by 32% and improving first-submission accuracy from 88% to 97%
  • Negotiated 28 facultative reinsurance placements totaling $85M in ceded premium, securing coverage for complex risks while maintaining 15% commission margins
Underwriter - Sentinel Risk Solutions
  • Underwrote 350+ commercial accounts annually across general liability, property, and workers' compensation lines with $140M in total written premium
  • Achieved a loss ratio of 54% on personal book, outperforming the department average of 63% through disciplined risk selection and pricing adequacy reviews
  • Identified $2.1M in underpriced renewals through actuarial rate analysis, implementing corrective pricing that improved portfolio profitability by 8%
  • Processed 95% of submissions within 48-hour turnaround SLA, handling an average of 18 new submissions per week
Education
B.S. in Risk Management and Insurance - University of Connecticut
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Why This Resume Works

1
Combined Ratio Proves Profitability

A 92% combined ratio against a 97% target is the clearest possible proof that this underwriter selects and prices risk effectively. It is the single most important metric in underwriting.

2
Premium Growth Shows Business Development

Growing premium volume by 18% demonstrates the candidate is not just maintaining a book but actively expanding it, which is a key differentiator for senior underwriting roles.

3
Mentoring Signals Leadership Readiness

Quantifying mentoring impact (32% faster reviews, accuracy improvement from 88% to 97%) shows leadership through measurable team development rather than vague management claims.

Section-by-Section Breakdown

Summary

Lead with your book size and combined ratio. These two numbers tell the entire story of your underwriting capability and are the first things a hiring manager looks for.

Skills

Include specific line-of-business expertise (P&C, GL, WC) and underwriting platforms (Guidewire, Duck Creek). ATS systems filter heavily on platform experience.

Experience

Quantify premium volume, loss ratios, submission turnaround, and account counts. Underwriting is deeply metric-driven and vague descriptions will not survive initial screening.

Education

List CPCU, AU, or ARM designations prominently if held. In insurance underwriting, professional designations often carry as much weight as degrees.

Key Skills for Senior Underwriter Resumes

Based on analysis of thousands of job postings, these are the most frequently required skills:

Commercial Underwriting Risk Selection Pricing Analysis Loss Ratio Management Book of Business Growth Reinsurance Placement Combined Ratio Optimization Workers' Compensation General Liability Commercial Property Guidewire PolicyCenter Verisk Analytics Regulatory Compliance Mentoring & Training Surplus Lines Account Management

Common Mistakes on Senior Underwriter Resumes

  • No Book Size or Premium Volume - Omitting the size of your book of business is the most common underwriting resume mistake. Without it, hiring managers cannot gauge whether you handled $10M or $500M in exposure.
  • Missing Loss or Combined Ratio - These are the scoreboard of underwriting. A resume without profitability metrics suggests either poor results or a lack of awareness about what matters in the role.
  • Not Specifying Lines of Business - Commercial P&C, professional liability, and surety are very different specialties. Failing to specify your line expertise makes it impossible to assess fit for a specific opening.
  • Ignoring Turnaround Time Metrics - Submission processing speed directly impacts broker relationships and new business flow. Not mentioning your turnaround SLA compliance misses a key operational metric.
  • Generic Leadership Claims - Saying you 'led a team' without metrics like accuracy improvements, training outcomes, or reduced review times provides no evidence of effective mentoring.

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