Exemplo de CV para Underwriter

Choose the right format for an Underwriter resume

Most underwriters benefit from a reverse-chronological format because hiring managers want to see your most recent book of business, lines of authority, and risk decisions first. If you are changing lines — say, moving from personal lines to commercial surplus lines — a hybrid format that leads with a skills summary before your work history can help frame the transition.

Keep the resume to one page if you have fewer than ten years of experience; two pages are acceptable for senior underwriters managing large portfolios or teams. Use clear section headers, consistent date formatting, and a readable font like Calibri or Georgia at 10–11 pt. Avoid tables and text boxes — many applicant tracking systems used by carriers like Travelers, Chubb, and Liberty Mutual parse plain text only.

• Reverse-chronological for most roles; hybrid only when changing lines of business
• One page under 10 years, two pages for senior or management roles
• Plain text layout to pass ATS parsing at major carriers and MGAs
• Consistent date format: month and year (e.g., Mar 2019 – Present)

Write a professional summary that signals your specialty immediately

Your summary should name your line of business, years of experience, authority level, and one standout result in three to four sentences. Recruiters at carriers and MGAs spend seconds deciding whether your background matches the book they need covered — be specific about whether you write commercial property, professional liability, workers' compensation, excess & surplus, or another line.

Example: "Commercial Lines Underwriter with 8 years of experience in middle-market accounts across manufacturing and habitational risks. Hold $2M binding authority and consistently maintain a combined ratio below 94% on a $45M book. Proficient in ISO rating, Verisk analytics, and proprietary carrier platforms. CPCU designation in progress, AU 66 completed."

Write work-experience bullets that quantify risk and revenue decisions

Underwriting is a numbers-driven role, so every bullet should answer: how large was the book, what was the loss ratio, how many submissions did you handle, and what was the outcome of your decisions? Avoid vague phrases like 'reviewed policies' or 'worked with agents.' Hiring managers want to see that you can select, price, and retain profitable business.

Lead each bullet with a strong action verb — underwrote, declined, negotiated, restructured, renewed, analyzed — and follow with a specific result tied to a dollar figure, ratio, or volume.

• Underwrote 320+ new commercial property submissions annually, achieving a 91% combined ratio on a $38M book by tightening eligibility criteria for habitational risks in CAT-exposed zones.
• Renegotiated terms on 47 mid-term renewals flagged for adverse loss development, recovering $1.2M in premium adequacy and reducing the segment loss ratio from 108% to 82% over 18 months.

Skills and certifications recruiters and ATS systems look for

Include a dedicated skills section that lists technical platforms, rating tools, and soft competencies relevant to underwriting. Many carriers filter resumes by keyword before a human sees them, so mirror language from the job posting. Certifications carry significant weight — the CPCU (Chartered Property Casualty Underwriter) is the gold standard, but the AU (Associate in Commercial Underwriting), ARe (Associate in Reinsurance), and AINS (Associate in General Insurance) are all recognized markers of commitment.

For specialty lines, note relevant designations like the RPLU (Registered Professional Liability Underwriter) or CIC (Certified Insurance Counselor). Also list familiarity with specific systems — Guidewire PolicyCenter, Applied Epic, Duck Creek, ImageRight, and ISO/Verisk rating tools are commonly required.

• Designations: CPCU, AU, ARe, AINS, RPLU, CIC, CRM
• Platforms: Guidewire PolicyCenter, Duck Creek, Applied Epic, ImageRight, Majesco
• Rating tools: ISO, Verisk Analytics, ACORD forms, internal proprietary systems
• Hard skills: risk selection, loss ratio analysis, treaty and facultative reinsurance, coverage interpretation, portfolio management
• Soft skills worth listing: negotiation with producers, underwriting judgment, regulatory compliance

Education, licenses, and extras that close the deal

A bachelor's degree in finance, risk management, business, or economics is standard for entry and mid-level roles; some specialty and senior positions at Lloyd's syndicates or reinsurers prefer a master's. List your degree, institution, and graduation year. If you hold a state surplus lines license or a specific lines-of-authority endorsement, list it clearly — these are hard requirements at many MGAs and wholesale brokers, not nice-to-haves.

Add a brief section for professional affiliations (CPCU Society, PLUS, RIMS) and any continuing education relevant to your line. If you have completed carrier-specific training programs — such as Chubb's underwriting academy or a carrier rotation program — name them. These signal structured technical development that a designation alone does not capture.

• List state surplus lines licenses with license number and expiration if applicable
• Include carrier training programs or rotational underwriting programs by name
• CPCU Society, PLUS, RIMS membership shows active engagement in the profession

Mistakes to avoid

• ×Listing lines of business you have written without specifying your binding authority level, which is the first thing a hiring underwriter asks about.
• ×Using loss ratio and combined ratio interchangeably or omitting them entirely, when these are the primary metrics underwriting managers use to evaluate your performance.
• ×Describing your role as 'supporting' underwriters when you actually made risk decisions — own the verbs that reflect your actual authority.
• ×Omitting your CPCU progress or in-progress designations, since carriers treat coursework completion as evidence of technical commitment even before the full designation is earned.

Frequently asked questions

Do I need a CPCU to get an underwriting job?

No, the CPCU is not required for most entry or mid-level underwriting roles, but it is strongly preferred for senior positions and accelerates promotion at most carriers. Listing completed AU coursework or AINS while pursuing CPCU shows initiative and is viewed positively by hiring managers.

How do I show underwriting experience if I am coming from a claims or brokerage background?

Emphasize transferable skills such as coverage interpretation, loss analysis, risk evaluation, and producer relationships. Quantify the dollar value of claims you handled or accounts you managed, and note any exposure to underwriting workflows or submissions. A hybrid resume format that leads with these competencies before your work history will help frame the transition.

Should I list every line of business I have touched or focus on my primary specialty?

Lead with your primary line and the book size you managed there — that is what recruiters are matching to open positions. You can note secondary lines in a brief 'Additional Experience' line or in your skills section, but diluting your resume across too many lines can make you appear unfocused rather than versatile.