# Surety Underwriter Remote from[USA](https://jobicy.com/job-region/usa.md)Annual salary Undisclosed Salary information is not provided for this position. Check our [Salary Directory](https://jobicy.com/salaries.md) to estimate the average compensation for similar roles.Department [Finance & Accounting](https://jobicy.com/categories/accounting-finance.md) Employment type Full Time, Job posted23 Jun 2026Apply before23 Jul 2026Experience level Midweight Views / Applies 1546 / 106 [About company](https://jobicy.com/company/liberty-mutual.md) * Share About [Liberty Mutual](https://jobicy.com/company/liberty-mutual.md) At Liberty Mutual, we want to help you embrace today and confidently pursue tomorrow [Insurance](https://jobicy.com/company-category/insurance.md) * 1912 Actively Hiring Verified job posting This job post has been [manually reviewed](https://jobicy.com/tools/help-center/employee/how-does-jobicy-verify-the-legitimacy-of-remote-job-listings.md) for authenticity and compliance. ### AI Summary Liberty Mutual Surety is seeking a Surety Underwriter to join their Texas Small to Mid Contract team. The role involves underwriting profitable surety business, building relationships with agents and brokers, and performing financial risk analysis. Responsibilities include evaluating financial statements, managing a book of business, and mentoring junior staff. Candidates should have a bachelor's degree in Finance or Accounting and at least 1.5 years of surety underwriting experience. This position offers a career with a top surety company in a collaborative environment. ### Role DNA Job Complexity Easy Hard Pace & Pressure Relaxed Fast-paced Autonomy Level Guided Full Ownership Communication Load Independent Highly Collaborative AI Insight The role requires financial analysis and underwriting decisions, but with moderate complexity and supervision, earning a 3 out of 5. ### Salary Analysis Median Market Rate $70,000US Market $55k – 90k 0 $99k AI Insight The salary for this role is not provided, but based on market data for a Surety Underwriter with 1-3 years experience, the median is around $70,000. This is competitive for the region and level. ### Core Skills Required [Surety Underwriting](https://jobicy.com/jobs?search_keywords=Surety+Underwriting.md) [Financial Analysis](https://jobicy.com/jobs?search_keywords=Financial+Analysis.md) [Risk Assessment](https://jobicy.com/jobs?search_keywords=Risk+Assessment.md) [Relationship Management](https://jobicy.com/jobs?search_keywords=Relationship+Management.md) [Contract Surety](https://jobicy.com/jobs?search_keywords=Contract+Surety.md) [Underwriting](https://jobicy.com/jobs?search_keywords=Underwriting.md) [Financial Statements](https://jobicy.com/jobs?search_keywords=Financial+Statements.md) [Credit Analysis](https://jobicy.com/jobs?search_keywords=Credit+Analysis.md) [Portfolio Management](https://jobicy.com/jobs?search_keywords=Portfolio+Management.md) [Negotiation](https://jobicy.com/jobs?search_keywords=Negotiation.md) ### Cover Letter Sample Dear Hiring Manager, I am writing to express my interest in the Surety Underwriter position with Liberty Mutual Surety. With a Bachelor's degree in Finance and over two years of experience in contract surety underwriting, I possess a strong foundation in financial analysis and risk assessment. I have successfully managed a book of small to mid-sized accounts, building lasting relationships with agents and principals. My expertise includes evaluating financial statements, negotiating bond terms, and ensuring profitability while minimizing risk. I am excited about the opportunity to contribute to Liberty Mutual's leading surety team and leverage my skills to drive business growth. Thank you for considering my application. I look forward to discussing how my experience aligns with your needs. Sincerely, [Your Name] Copy ### Sample Interview Questions Describe your experience with financial statement analysis in surety underwriting.I have reviewed balance sheets, income statements, and cash flow statements for small to mid-sized contractors. I analyze liquidity, profitability, and debt ratios to assess capacity and creditworthiness. For example, I once identified a client with declining working capital trends and recommended a reduced bond line until improvement.How do you build and maintain relationships with agents and brokers?I prioritize open communication and responsiveness. I schedule regular meetings to discuss their accounts and market trends, and I provide timely updates on underwriting decisions. I also offer training on financial requirements to help them submit stronger submissions.How do you handle a high-risk account that shows potential but has financial weaknesses?I would conduct a thorough risk analysis, considering mitigating factors like strong management, collateral, or a good track record. I might propose a conditional bond with lower limits or require additional reporting. I always document my rationale and align with established guidelines.Can you explain a time you had to make a difficult underwriting decision?Once, a long-term client requested a large bond for a new project, but their latest financials showed a drop in net worth. I had to decline, but I worked with them to understand the decline and offered suggestions for improvement. It was tough, but it protected both parties.How do you stay updated on industry trends and underwriting best practices?I subscribe to surety industry publications, attend webinars, and participate in internal training sessions. I also discuss market conditions with colleagues and use resources from organizations like NASBP to stay informed. Description Liberty Mutual Surety™ is currently recruiting for a Surety Underwriter to join our Texas Small to Mid Contract team. As a Surety Underwriter you will develop and underwrite profitable surety business, and service independent agents, brokers, and small to mid contract accounts within an assigned territory. Using your excellent relationship skills, you will build and maintain positive partnerships our agents, brokers, and accounts as a trusted advisor and underwriting resource for our producers and customers. You will also use your business and financial acumen to perform primary credit underwriting and financial/risk analysis, provide recommendations, and make decisions on new and existing accounts. This is an excellent opportunity for an experienced and self-motivated surety professional looking to grow their career with a top surety company that focuses on its employees and customers first. Liberty Mutual Surety, a business unit of Liberty Mutual Insurance, is the world’s largest globally Surety, including in the United States. Conducting business worldwide through fronting relationships and Liberty-owned subsidiaries, we provide bonds in over 60 countries for construction firms, manufacturers and suppliers, and commercial enterprises on an account and transactional basis. We are committed to building mutually profitable relationships by providing smart business solutions, ease of doing business, and consistent, responsive service. Liberty Mutual Surety is dedicated to the communities we serve and highly values a diverse workforce in more than 18 countries. Responsibilities: * Underwrite and negotiate accounts to maximize profitability whilst minimizing risk, which may include the most complex accounts based on level of role. Makes thorough evaluations and assessments of a customer’s financial, technical, organizational, and management capacities, including experience, desired objectives as well as a subjective judgment of character. * Manage the profitability and retention of an assigned book of business while continue to develop the portfolio through strong relationships and active engagement with new and existing agents and brokers. May assist in developing the marketing plan. * Performs analytical evaluations of financial statements on both a static and trend basis. Determines the present and historical financial position of accounts and monitors financial position of risk through analysis of quarterly statements and work in progress data as appropriate. * Stay abreast of Liberty Mutual Surety and Global Risk Solutions product lines and identify/promote opportunities across with agents and brokers, leveraging domestic and global capabilities. * Responsible for investigation, analyzing, and managing all necessary underwriting/accounting/workflow issues, within framework of Surety policies and procedures. * May assess and identify changes in all aspects of the business including, but not limited to, work program to financial strength criteria, nature of work performed (inherent risk), accuracy and timeliness of data flow, and exposure analyses. Coordinate and surface issues to Home Office Underwriters and Field Management. * Assists in the evaluation of business continuity arrangements and funding mechanisms (such as adequacy of life insurance) to preclude financial drain of customer in the event of the demise of (an) owner or other insurable loss. * May mentor more junior staff based on level. * Performs special projects and other duties as assigned. Qualifications * Bachelor’s degree in Finance, Accounting or equivalent and a minimum of 1.5 years experience expected, preferably 2 or more years surety underwriting experience and/or equivalent surety related business experience . Strong preference with the small to mid contract surety product line. * Solid understanding of financial and accounting principles and the ability to demonstrate sound business judgment in the evaluation of the financial condition and credit history. * Proven analytical ability to evaluate and judge surety underwriting risks within scope of responsibility. * AFSB certification preferred. * Demonstrates strong ability to communicate complex analyses and information in understandable written and/or oral directives for underwriting or training purposes. * Demonstrates strong communication and interpersonal skills. * Excellent organizational skills as well as attention to detail. * Salary and level based on experience and location. About Us Pay Philosophy: The typical starting salary range for this role is determined by a number of factors including skills, experience, education, certifications and location. The full salary range for this role reflects the competitive labor market value for all employees in these positions across the national market and provides an opportunity to progress as employees grow and develop within the role. Some roles at Liberty Mutual have a corresponding compensation plan which may include commission and/or bonus earnings at rates that vary based on multiple factors set forth in the compensation plan for the role. At Liberty Mutual, our goal is to create a workplace where everyone feels valued, supported, and can thrive. We build an environment that welcomes a wide range of perspectives and experiences, with inclusion embedded in every aspect of our culture and reflected in everyday interactions. This comes to life through comprehensive benefits, workplace flexibility, professional development opportunities, and a host of opportunities provided through our Employee Resource Groups. Each employee plays a role in creating our inclusive culture, which supports every individual to do their best work. Together, we cultivate a community where everyone can make a meaningful impact for our business, our customers, and the communities we serve. We value your hard work, integrity and commitment to make things better, and we put people first by offering you benefits that support your life and well-being. To learn more about our benefit offerings please visit: [https://www.libertymutualgroup.com/about-lm/careers/benefits](https://www.libertymutualgroup.com/about-lm/careers/benefits) Liberty Mutual is an equal opportunity employer. We will not tolerate discrimination on the basis of race, color, national origin, sex, sexual orientation, gender identity, religion, age, disability, veteran’s status, pregnancy, genetic information or on any basis prohibited by federal, state or local law. Fair Chance Notices * [California](https://jobs.libertymutualgroup.com/wp-content/uploads/2024/02/ca-fair-chance-act.pdf) * [Los Angeles Incorporated](https://bca.lacity.gov/Uploads/fciho/FCIHO-factsheet-2024-03-05.pdf) * [Los Angeles Unincorporated](https://jobs.libertymutualgroup.com/wp-content/uploads/2025/01/FCOE-Official-Notice-Eng-Final-8.30.2024.pdf) * [Philadelphia](https://jobs.libertymutualgroup.com/wp-content/uploads/2024/02/pa-philadelphia-fair-chance-law.pdf) * [San Francisco](https://jobs.libertymutualgroup.com/wp-content/uploads/2024/02/ca-san-francisco-fair-chance.pdf) Show more [Apply now >](https://jobicy.com/jobs/147549-surety-underwriter.md) > Annual salary information is not provided for this position. 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