Home Underwriter

Role Overview

The position is responsible for analyzing new applications and endorsement requests to select risks based on established Company rules and guidelines.

Responsibilities

• Demonstrates the Company’s mission and core values related to integrity, service, excellence, stability, strength, respect, and teamwork.
• Analyze and evaluate applications and endorsement requests to approve or decline in accordance with Company rules and guidelines.
• Calendar binders based on the effective date.
• Follow up on unanswered requests for information and expiring binders.
• Communicate effectively, by phone, e-mail, or in writing, with agents, applicants, or policyholders regarding questions raised or submitted and/or to obtain additional underwriting information.
• Handle routine policy cancellations and, if needed, manually calculate unearned premium.
• Coordinate the allocation of policy premiums with the Accounting Department.
• Handle late and insufficient funds premium payments, which includes re-underwriting the policy file.
• Ensure smooth workflow and assist in training employees and/or overseeing their work as requested.
• Keep current on underwriting rules and regulations.
• Provide technical guidance to Assistant Underwriters and clerical employees.
• Evaluate the necessity of a field inspection; request and thoroughly review field reports to analyze findings and determine the appropriate underwriting action.

Qualifications

• A high school diploma or equivalent is required.
• An associate or bachelor’s degree in a related field is preferred.
• Minimum of two years of experience in the insurance industry is preferred.
• Completion of industry-related courses such as API, AINS, CPCU, or similar is a plus.
• Strong verbal and written communication skills, with the ability to interact professionally and effectively with agents, insured parties, and mortgagees/lienholders via phone, email, written correspondence, and in-person meetings.
• Proficient in using a personal computer, including familiarity with standard business software applications (e.g., Microsoft Office Suite).
• Proven ability to perform detailed, precise work, take ownership of responsibilities, and collaborate effectively as part of a team.

Benefits

We offer a competitive salary and a comprehensive benefits package, including health coverage, a generous 401(k), pension plan, wellness programs, and a hybrid work model for eligible employees.