Clean ice and snow have a very high albedo, that is, they reflect up to 90% of solar radiation back into space. The ocean is much darker, so it has a very low albedo, reflecting only about 6% of the incoming solar radiation and absorbing the other 94%, warming it much faster than the snow and ice.
As more ice forms, the water is cooler, leading to more ice forming, and so on, in a feedback effect.
Image – Nathan Kurtz / NASA