Work Where Your Judgment Matters

Real Influence, Right Away

Want your work to matter from day one? At Merchants, your voice carries weight. You’ll contribute to underwriting decisions, improve how we work, and help move the business forward. Not someday, immediately. Here, growth isn’t just a promise, it comes from real responsibility.

💬 What Our People Say

Real Influence, Right Away

New Perspectives Are Valued

"From day one, it was clear that new ideas and perspectives were valued, including mine. I was given responsibility early on with space to try, succeed, fail, learn, and grow as an underwriter with the full support of my team."

- Ahren Teed | Commercial Underwriter | West Des Moines, Iowa

 

Couldn't Have Asked for a Better Start

"At Merchants, you hit the ground running from day one. It is a unique opportunity to be valued the second you walk through the doors. I couldn’t have asked for a better start to my surety career!"

- Brad Freiermuth, AFSB | Contract Underwriter | West Des Moines, Iowa

Build Relationships

Underwriting shouldn’t mean sitting behind a desk all week — and at Merchants, it doesn’t. You’ll meet agents face-to-face and build lasting partnerships. That firsthand insight sharpens your judgment and strengthens your territory, allowing you to make decisions grounded in real-world understanding.

💬 What Our People Say

Build Relationships

Building Meaningful Relationships

"One of the things I value most about underwriting at Merchants is that I’m not desk-bound. Financial analysis is core to the role, but we’re also in the field building meaningful relationships with agents and principals. That blend of technical expertise and real partnership makes the work both engaging and impactful."

- Wes Bauer | Senior Specialty Solutions Underwriter | Tampa, Florida

Become a Surety Expert

When your focus is split, it’s hard to gain real expertise. Surety is our only business, and thatsingular commitment lets you deepen your understanding of the industry and your work. You’ll build specialized knowledge alongside a team that shares your commitment to advancing expertise in surety.

Make Your Greatest Impact

You shouldn’t spend your time on tasks that don’t require your expertise. With automation and a dedicated support team to handle the routine work, you can concentrate on the accounts and conversations where your judgment makes the greatest impact.

Growth at Every Stage

Whether you’re early in your career or bringing years of experience, you’ll find real support for your growth. Merchants invests in learning, mentorship, and meaningful involvement across the organization. Because developing your potential isn’t an initiative, it’s how we operate.

Common Sense Underwriting

At Merchants, you’re trusted to think critically and make decisions rooted in judgment, not rigid formulas. We call it common sense underwriting. It works because collaboration is real and expertise is respected. And your long-term success matters just as much as your clients’.

Building Tech Together

Too often, technology is built for underwriters—not with them. At Merchants, it’s different.

Through close, ongoing collaboration, you’ll help build tools with our in-house Technology Delivery team. This shared expertise leads to practical solutions that stem from real underwriting scenarios, not theoretical workflows. The result is practical technology that strengthens common sense underwriting and helps you deliver first class experiences across your relationships.

💬 What Our People Say

Building Tech Together

Underwriting Tools Built for Real Scenarios

"Collaboration between the Underwriting and Technology Delivery teams allows for tools to be built with real underwriting scenarios in mind instead of theoretical workflows. When issues arise, having a shared language between underwriting and technology makes problem-solving faster and more practical. Feedback loops between teams ensure continuous improvement rather than one-time fixes."

- Eli Krambeer | Senior Territory Director, Commercial Underwriting | West Des Moines, Iowa

 

Collaboration Leads to Better Solutions

"Our underwriters know the ins-and-outs of the technology underpinning the The Merchants Bonding Company Hub. This deep knowledge they have combined with the high degree of trust between our technology team and underwriters leads to better solutions."

- Mike Gorski | Web Development Manager | West Des Moines, Iowa