Underwriter

SUMMARY

Underwrite a profitable and growing book of business with acceptable loss and expense ratios, while maintaining good overall agency relationships. Support corporate goals and objectives.

ESSENTIAL DUTIES & RESPONSIBILITIES

• Evaluate risks for acceptance, renewal, modification, or declination within established departmental underwriting criteria and individual authority documents to produce an underwriting profit.

o Analyze underwriting information such as applications, change requests, inspections, credit reports, MVR's, cost estimators. Evaluate alternative outcomes, make appropriate underwriting decisions and include proper and accurate file documentation. The gauge of this duty will be underwriting audit scores and total profitability of the territory.

o Answer questions from agents and other team members concerning risk analysis, eligibility, underwriting rules, rating and company practices and procedures.

o Explain the reasons behind underwriting decisions.

o Demonstrate flexibility and adaptability as risk conditions or market conditions change.

o Build professional working relationships with agents, customers, and other company personnel.

o Use persuasion and influencing skills to encourage application submissions and business retention, selling the appropriate coverages and promoting loss control measures.

REQUIRED SKILLS & ABILITIES

EDUCATION & / OR EXPERIENCE

PHYSICAL REQUIREMENTS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to sit, reach with hands and arms to operate computer keyboard, talk and hear. The employee is occasionally required to stand and walk. The employee must occasionally lift and / or move up to 10 pounds. Specific vision abilities required by this job include close vision, distance vision, and ability to adjust focus.

Skills & Requirements Qualifications