Underwriter

Brief Summary of Role

Obie is seeking an innovative and experienced individual to join our underwriting team. The ideal candidate will combine insurance know-how with innovative technology to achieve bottom line success for the programs managed.

What You'll Do

• Facilitate underwriting processes and make risk-based decisions to maintain profitability and integrity of the book of business
• Review property inspection reports, photographs, and documentation to identify hazards, condition concerns, eligibility issues, and discrepancies
• Determine appropriate underwriting actions based on inspection findings, including identifying when additional information, remediation, policy changes, cancellation, or non-renewal may be necessary
• Document inspection findings and underwriting decisions clearly and consistently within applicable systems
• Maintain oversight of relevant Key Performance Indicators (KPIs) and book performance within your assigned territory, reacting to emerging indicators and recommending solutions when needed
• Apply underwriting guidelines and use sound judgment when evaluating property risks, escalating risks or exceptions outside of established authority when appropriate
• Identify procedural efficiencies and continuously evolve underwriting best practices
• Collaborate cross-functionally to identify trends or recurring issues found through inspections and other underwriting activity that may impact risk selection, guidelines, or portfolio performance
• Collaborate with Third Party Administrators (TPAs) to help manage and monitor post-loss activity
• Contribute to a culture of ownership, collaboration, positive reinforcement, and accountability to yourself, the team, and the company

What You'll Bring

• 2+ years of experience in P&C property underwriting
• Experience reviewing property inspections and using inspection findings to make or recommend underwriting decisions
• A strong understanding of property risk characteristics, hazards, condition concerns, and their impact on eligibility and underwriting decisions
• Strong analytical skills, including the ability to assess performance and P&L within a book of business
• A strong attention to detail and the ability to identify inconsistencies across applications, policy information, inspection reports, photographs, and supporting documentation
• Experience and comfort using a variety of tools, including Excel, Google Workspace, and policy management systems
• Excellent verbal and written communication skills with the ability to clearly document and communicate underwriting decisions
• Sound judgment and confidence making decisions independently while recognizing when escalation is appropriate
• Adaptability in a fast-moving, evolving environment with the ability to manage multiple priorities at once
• The ability to prioritize competing demands and manage time effectively

Interview Process

To prepare, familiarize yourself with these resources: Our company's blog, LinkedIn, Inc. 5000, TechCrunch, Uncontested Investing Podcast, Insurtech Amplified Podcast. Meet us and get to know Obie. You'll first talk to Kara on a 30-minute call to determine if we're a good fit. You'll learn more about Obie and have the chance to ask about our company, team, culture, and product. Next, you'll have a 45-minute video interview with the hiring manager, Melissa Papelbon, to assess your technical skills for the role. Complete a Project Exercise to demonstrate your problem-solving abilities, written skills, empathy, demeanor, and how well you apply underwriting principles. Moving forward with Obie, we're leading the future of real estate investment protection, securing over $25 billion in coverage for thousands of policyholders nationwide. Backed by $39 million in funding and recognized as a top workplace by Built In and Inc., we're committed to driving progress for our customers and team. Through advanced digital tools, a trusted agent network, and strategic partnerships, Obie provides real estate investors the insurance coverage they need to move forward confidently. Obie has you Covered. Benefits include comprehensive health, dental, vision, and life insurance, flexible paid time off, and a retirement savings plan with company match. The Pay Range for this role is $60,000 - $80,000 USD per year (Remote (United States)).