Sr. Commercial Surety Underwriter

Polikov Recruitment Solutions; United States; Remote; USD 85,000 - 120,000; Full time

Job summary

Polikov Recruitment Solutions is seeking a Commercial Surety Underwriter in the United States with 3–5+ years of experience. The role emphasizes portfolio and desk underwriting, analyzing financial information, and maintaining strong broker relationships.

You will work with senior leadership to manage an existing portfolio while pursuing profitable growth and complex account-based surety work. Remote options may be considered for the right candidate.

Qualifications

• 3 to 5+ years of surety underwriting experience.
• Strong analytical skills and ability to evaluate financial statements.

Responsibilities

• Underwrite new and renewal commercial surety accounts within assigned authority.
• Help manage an existing portfolio of commercial surety business.
• Evaluate financial strength, liquidity, leverage, cash flow, and credit quality of applicants.
• Assess principal's ability to meet contractual and financial obligations.
• Review bond forms, account structures, indemnity, financial information, and supporting documentation.
• Support risk selection, account retention, pricing, profitability, and portfolio performance.
• Communicate with agents, brokers, and internal stakeholders regarding underwriting questions.

Skills

Underwriting

Financial analysis

Portfolio management

Broker communication

Account management

Job description

Polikov Recruitment specializes in the Surety Bond and Commercial P&C industry. We are working with a growing specialty carrier that is continuing to invest in the buildout of its Commercial Surety platform.

This is a strong opportunity for a Commercial Surety Underwriter who enjoys the technical side of underwriting, portfolio management, financial analysis, broker communication, and account-based surety work.

This position will be more portfolio and desk-underwriting focused allowing this underwriter to help manage an existing portfolio of commercial surety business that has already been developed by senior leadership, while also supporting profitable growth over time.

This could be an excellent fit for a solid Commercial Surety Underwriter with 3 to 5+ years of experience who wants to continue developing in account-based commercial surety.

It could also be a very good opportunity for a Transactional Surety Underwriter who wants to move into larger, more account-based commercial surety work and continue expanding their technical underwriting skill set.

What Makes This Opportunity Different?

This is not a sink-or-swim production role.

You will not be expected to walk in and build an entire territory from scratch. Instead, you will have the opportunity to help manage a portfolio that already exists, support senior leadership, evaluate commercial surety risks, and continue building your account-based underwriting experience.

For someone coming from a transactional surety background, this could be a meaningful next step into more complex commercial surety accounts.

For someone already underwriting account-based commercial surety business, this could be a chance to step into a growing platform, gain more ownership, and work closely with experienced surety leadership.

Key Responsibilities:

• Underwrite new and renewal commercial surety accounts within assigned authority
• Help manage an existing portfolio of commercial surety business
• Evaluate financial strength, liquidity, leverage, cash flow, and overall credit quality of applicants
• Assess the principal's ability to meet contractual and financial obligations
• Review bond forms, account structures, indemnity, financial information, and supporting documentation
• Support risk selection, account retention, pricing, profitability, and long-term portfolio performance
• Partner with senior commercial surety leadership on complex accounts, portfolio strategy, and underwriting decisions
• Communicate with agents, brokers, and internal stakeholders regarding underwriting questions, account needs, and service issues
• Maintain strong documentation and account management within the underwriting system
• Ensure adherence to underwriting guidelines, regulatory requirements, and company policies
• Help identify opportunities to strengthen the book while maintaining disciplined underwriting standards
• Support the continued growth and development of the Commercial Surety platform

Ideal Candidate Profile:

• 3 to 5+ years of surety underwriting experience
• Commercial Surety experience preferred
• Transactional Surety underwriters who want to move into account-based commercial surety will be considered
• Strong analytical skills and ability to evaluate financial statements, liquidity, leverage, cash flow, and credit risk
• Understanding of surety principles, bond forms, indemnity, and financial risk assessment
• Ability to make sound underwriting decisions and balance growth with profitability

Preferred Locations:

• Houston, TX
• Atlanta, GA
• Remote candidates may also be considered with the right background

Keywords:

Transactional Surety, Commercial Surety, Underwriter, Surety, AVP, Assistant Vice President, Regional Manager, Senior Underwriter, VP, Vice President, Commercial Surety, Notary Bond, License & Permit Bond, Court Bond, Public Official Bond, Commercial Contract Bonds, Miscellaneous Bonds, Bond, Financial Analysis, Financial Statements, Surety Broker, Surety Agent, Surety Producer, AFSB, NASBP, Associate in Fidelity and Surety Bonding, Associate in Fidelity & Surety Bonding, Associate in Fidelity & Surety Bonds