• Perform required underwriting procedures for mortgage loans.
• Assess and respond to exceptions to established credit criteria guidelines.
• Obtain and process information related to the loan origination process.
• Maintain and update credit and underwriting policies.
• Conduct periodic loan audits to ensure compliance with program guidelines.
• Monitor regional economic developments that could affect business and credit decisions.
• Compile and accurately report financial data.
• Provide customer service support to the Managing Director.

Skills: Credit Assessment, Loan Underwriting, Data Analysis, Compliance Monitoring, Policy Development, Loan Auditing, Economic Monitoring, Customer Support

• Assign and quote personal line insurance policies.
• Process endorsements and renewals.
• Analyze requests, appraisals and customer needs to identify the best product for the client.
• Manage notices of non-renewal or cancellations from insurers and identify alternatives for risk placement.
• Provide at least two insurance alternatives to prospective clients following the subscription guidelines of each insurer or as established in the ISO manual.
• Update the information on the policies in the systems.
• Communicate with clients in the renewal process to obtain information about their policy and update changes.
• Answer customer questions regarding their policy coverage or status.
• Support in the claims process.

Skills: Policy Assignment, Endorsement Processing, Needs Analysis, Risk Placement, Alternative Solutions, Policy Updates, Renewal Communication, Coverage Support, Claims Assistance

• Analyze a risk to determine acceptability in accordance with carrier guidelines.
• Submit risks to the carrier that are outside the authority granted in order to secure approval and/or negotiate terms.
• Classify and rate risks in accordance with carrier guidelines.
• Prepare quotes for new and renewal business, noting all subjectivities and conditions.
• Responsible for developing and maintaining strong working relationships with carrier underwriters.
• Responsible for developing and maintaining strong working relationships with internal and external customers.
• Review inspections for recommendations, discrepancies, and compliance with underwriting guidelines.
• Understand premium commitments to specific carriers to balance the book and meet obligations.
• Answer questions from the retail brokers and/or carrier.
• Work with the Accounting Department in applying unidentified cash and in determining outstanding premiums.
• Maintain appropriate relationships with clients, companies, supervisees and co-workers.

Skills: Risk Analysis, Risk Rating, Quote Preparation, Underwriter Relations, Client Relations, Inspection Review, Premium Management, Broker Support

• Interview with clients to determine their necessities.
• Responsible for interaction with insurers.
• Prepare proposals and quotations.
• Follow up on quotations.
• Implement the policies and coordinate with the administrative department.
• Control and management of renewals.
• Coordinate with other lines of insurance.
• Responsible for commercial development and business acquisition.
• Responsible for the development of new products.
• Administer management necessary for the recording, generation of documentation accompanying the issued documentation and subsequent sending to the client.
• Manage documentation and procedures.

Skills: Client Interviews, Insurer Relations, Proposal Preparation, Quotation Follow-up, Policy Implementation, Renewal Management, Business Development, Document Administration

• Use assigned rate models, prepare proposal requests for large-sized medical, life, and disability risks.
• Focus on complicated RFP’s.
• Subject matter expert in an area of speciality, region of the world, a block of business, or a product.
• Work in collaboration with Sales, Actuarial and Management, determines whether to accept or decline risks in accordance with company guidelines.
• Manage an assigned portfolio of risk and achieve profitability targets for the business as measured by loss ratio.
• Work closely with sales reps to gather necessary information for quotes to generate product-specific proposals across all regions.
• Record and maintain all prospects in CRM on a daily basis.
• Draft policies and final documents for sold cases.
• Respond to questions from sales reps and brokers about quotes and benefits.
• Work with the Enrollment Department to set up groups and issue sold policies in a timely manner, including conducting peer reviews.
• Assist the VP of Underwriting in overseeing workloads and managing turnaround times within the department.
• Update manuals and materials related to insurance products.
• Provide oversight and training to the Underwriting Coordinators and Underwriting Analysts.

Skills: Rate Modeling, RFP Management, Risk Evaluation, Portfolio Management, Sales Collaboration, CRM Management, Policy Drafting, Team Oversight

• Perform underwriting duties, including issuing quotes, accepting or rejecting new, renewal and endorsement submissions.
• Determine the accurate classification of business, policy contract forms and pricing of risks.
• Provide timely and exceptional service to agents and policyholders.
• Work with agents to develop and grow books of business, address underwriting inquiries about coverage and pricing, and maintain compliance with regulations and company guidelines.
• Responsible for conducting agency visits.
• Monitor risk acceptability, pricing adequacy and classification accuracy of accounts to ensure profitability and controlled growth of business.
• Assist with the growth and expansion of the company’s product lines.
• Identify target markets and opportunities.

Skills: Underwriting Management, Risk Classification, Agent Support, Business Development, Agency Relations, Risk Monitoring, Product Expansion, Market Analysis

• Develop new products and programs, including conducting market and competitor research, crafting underwriting guidelines, forms and rates, and assisting with marketing and implementation.
• Review and maintain in-depth knowledge of underwriting guidelines, forms and rate manuals, and work with outside service providers such as ISO and URB.
• Work with management to seek advancements in business processes and technologies to gain operating efficiencies, cost savings and competitive advantages.
• Work with the marketing department to maintain disciplined, productive, and profitable relationships with agents.
• Deliver a consistent message to agents related to the value of doing business with the company.
• Work collaboratively with underwriting personnel, including underwriters, assistant underwriters, and support staff.
• Work with the marketing, accounting, and claims departments to achieve organizational goals.
• Assist with maintaining regulatory compliance, including staying abreast of applicable rules and regulations and filing state regulatory reports within required deadlines.

Skills: Product Development, Market Research, Process Improvement, Agent Relations, Business Messaging, Team Collaboration, Regulatory Compliance, Competitive Advantage

• Develop and maintain professional relationships with retail agents and insurance companies.
• Risk analysis based on submission types.
• Work directly with the agent community and insurance carriers.
• Prepare quotes for new and renewal business.
• Daily servicing of accounts.
• Ability to negotiate with insurance companies.
• Maintain underwriting files.
• Create and manage a profitable book of new and/or renewal business.
• Prospect for new business by maintaining, cultivating and developing relationships with wholesale insurance brokers.
• Mentor and train new team members.
• Assist in the day-to-day operations.

Skills: Agent Relations, Risk Analysis, Quote Preparation, Account Servicing, Negotiation Skills, File Management, Business Development, Team Mentorship

• Responsible for determining the status of title to a property by reviewing the title search and determining what actions are necessary to clear the title issues before issuing a Commitment.
• Collaborate with Title Companies regarding insurability questions of property.
• Prepare title commitment using agency software, correspond with outside settlement agents regarding the title commitment, making any necessary revisions.
• Prepare Owner’s and Lender’s title insurance policies using firm software.
• Assist the Manager in ensuring that outside settlement agents return in a timely manner all documents necessary to the issuance of a title policy.
• Underwrite/Rate/Submit/Quote new business.
• Set up worksheets and bind requests.
• Submit bind requests with subjectivities addressed.
• Obtain, review and take action on all required inspections.
• Evaluate additional underwriting concerns and process endorsements.
• Handle cancellations/non-renewals according to state regulations and company guidelines.
• Process all company, policy and general correspondence.

Skills: Title Review, Insurability Assessment, Commitment Preparation, Policy Issuance, Document Coordination, Risk Evaluation, Endorsement Processing, Cancellation Management

• Analyze bond applications, financial statements, legal documents, statutes, and bond forms.
• Determine risk and appropriately approve bonds.
• Maintain and create relationships with attorneys and legal professionals.
• Ensure consistent processing.
• Occasionally attend court hearings.
• Organize and manage client files.
• Manage the end-to-end process of getting an insurance product to market, from co-developing underwriting rules, engaging with the state regulators, and implementation.
• Build and maintain relationships with Cannabis insurance specialist carriers.
• Understand the nuances of the Cannabis insurance marketplace.
• Deeply understand customers' needs.
• Drive strategy to define what products to develop and sell via the agency.

Skills: Bond Analysis, Risk Approval, Legal Relations, Process Management, Court Representation, File Management, Product Development, Market Strategy

• Health insurance underwriting experience for employer groups of 100-150.
• Basic math skills and an ability to estimate for mathematical reasonableness.
• Knowledge of state and federal legislation governing underwriting practices and skills applying state and federal legislation to group health underwriting.
• Demonstrated skills and experience in underwriting and pricing of various funding options and products.
• Demonstrated skills for performing risk qualification.
• Financial analysis and underwriting skills.
• Experience-based knowledge of group medical products, discount practices, stop loss, and performance guarantees.
• Knowledge of Multiple Employer Welfare Arrangements.
• PEO Underwriting experience.

• Interpersonal skills to establish and maintain business relationships.
• Must have effective negotiation skills.
• Experience in achieving positive results dealing with customers, consultants and brokers.
• Independent judgment and problem resolution skills.
• Work management skills, including the ability to multitask, prioritize, and manage time and workload to meet deadlines.
• Verbal and written communication skills to include correct grammar, word choice, precision, conciseness, structure, audience-appropriate tone and language.
• PC proficiency to include Word and Excel.
• Must have strong presentation skills.
• Skills to deliver on-the-job training.

• Must have underwriting experience, preferably in Cyber.
• Technical expertise and product knowledge in Commercial Insurance.
• Ability to develop new renewable Cyber business profitably over a significant period of time.
• Knowledge of marketing principles, underwriting and pricing strategies.
• Suburb sales and marketing skills.
• Able to demonstrate successful agency and broker management, including building, maintaining and managing producer and customer relationships.
• Proven ability to successfully negotiate on all levels and develop producer relationships.
• Strong track record of service orientation and teamwork.

• Experience in commercial insurance or underwriting.
• Professional experience performing qualitative and quantitative analysis sufficient to evaluate program-related data and extract meaningful information to apply to program operations.
• Human relations skills sufficient to establish and maintain effective working relationships with customers, team members, brokers, insurers, vendors, and other stakeholders.
• Project management and planning skills sufficient to manage multiple task assignments simultaneously.
• Able to use common software programs (MS Outlook, Word, Excel, PowerPoint) to carry out work assignments and responsibilities.
• Effective communication skills to present issues and recommend alternative solutions.
• Ability to adapt to continuous organizational and program changes sufficient to work constructively, particularly when faced with unexpected occurrences, conflicts, and delays, and manage ambiguity and setbacks.
• Experience in commercial insurance or underwriting.
• Knowledge of business practices, programs, and capabilities of insurance programs, brokers, and agents.

• Knowledge of generally accepted accounting and finance principles.
• Familiarity with policy/underwriting systems.
• Knowledge and experience with online collaboration/meeting platforms.
• Professional experience in commercial insurance or underwriting, demonstrating.
• Knowledge of risk management, including insurance concepts, policy design and coverages.
• Knowledge of business practices, programs, and capabilities of insurance programs, brokers, and agents.
• Working knowledge of excess insurance, reinsurance, and risk retention.
• Knowledge of generally accepted accounting and finance principles.
• Strong oral and written communication skills to explain complex and technical information to a variety of audiences.
• Strong analytical skills and attention to detail.

Qualifications: BS in Actuarial Science with 4 years of Experience

• Ability to design and implement written procedures.
• Ability to prioritize work and meet sometimes conflicting deadlines.
• Proficient in the Microsoft Office suite, specifically Outlook, Word, Excel, and PowerPoint.
• Must have Chartered Property Casualty Underwriter (CPCU) or Associate in Commercial Underwriting (AU).
• Multi-line underwriting experience.
• Knowledge and experience of insurance requirements in contracts.
• Knowledge and experience of rate setting and premium development.
• Able to use the policy/underwriting system.
• Knowledge of loss prevention and control strategies.
• Knowledge and experience with online collaboration/meeting platforms.
• Human relations skills sufficient to sell the principles or program, obtain management cooperation and support, and deal effectively with all levels within and outside the organization.

Qualifications: BA in Accounting with 5 years of Experience

• Basic knowledge of medical terminology.
• Basic knowledge of anatomy and medical impairment.
• Working knowledge of the underwriting function.
• Strong attention to detail and analytical ability.
• Excellent written and verbal communication skills.
• Excellent PC and organizational skills.
• Ability to work proactively, independently, and under pressure.
• Excellent problem-solving skills.

Qualifications: BA in Legal Studies with 2 years of Experience

• Must hold a current Life Insurance License.
• Must have basic computer skills.
• Ability to scan and run basic applications on a computer or smartphone.
• Previous sales experience in a similar industry.
• Experience within the High Net Worth Motor insurance industry.
• Technical knowledge of FCA and Lloyd's regulations.
• Keen interest in undertaking applicable professional, technical and career development training (delivered internally and externally).
• Must have good product awareness.

Qualifications: BS in Mathematics with 4 years of Experience

• Relevant insurance/underwriting experience.
• Highly numerate and have excellent analytical/Excel skills.
• Good communication skills in addition and able to work well with internal and external contacts.
• Experience within the insurance sector.
• Strong backgrounds and leadership experience in credit underwriting or the legal sector can be considered.
• Good knowledge of personal injury or legal expenses.
• Experience in P&C insurance.
• Must have a P&C license.
• Comfortable with internet-based programs and the Microsoft Office product.
• Must have aptitude for building rewarding relationships with agents and brokers, peer underwriters, account analysts and junior underwriters.
• Thorough knowledge of commercial insurance products, underwriting, risk selection, pricing and marketplaces, as well as regulatory issues in relevant territories.

Qualifications: BS in Statistics with 6 years of Experience

• Able to communicate and pay attention to detail.
• Must have a highly organised.
• Understanding of the use of binder guidelines and authorities.
• Working knowledge of Legal and regulatory Insurance Framework.
• Must have specialist market and product knowledge.
• Must have certificate CII or DIIA/ACII.
• Experience in underwriting for property.
• Able to organize, creative, outside-the-box thinker, find ways to reduce coverage or have higher deductibles.

Qualifications: BA in Marketing with 5 years of Experience