Underwriter

About the role

The Underwriter plays a crucial role in managing and developing a homeowner book of business within an assigned territory. They are responsible for making decisions that adhere to the company's underwriting criteria and support organizational growth and objectives. Key responsibilities include managing and developing a homeowner book of business, maintaining an understanding of state guidelines and forms, using established practices and authority levels to modify, renew, and write new homeowner’s policies, and evaluating risk characteristics and analyzing historic and potential account performance.

Responsibilities

• Manage and develop a homeowner book of business within an assigned territory to meet organizational objectives for growth, retention, and profitability.
• Maintain an understanding of State guidelines and State specific forms.
• Use established practices, procedures, and authority levels to modify, renew, and write new homeowner’s policies.
• Evaluate risk characteristics and analyze historic and potential account performance to make sound decisions.
• Understand personal lines products, coverages, and rating methodology.
• Build and maintain strong agency relationships, including management of large, high volume agency partners.
• Regularly communicate with team members, other internal departments, and external partners.
• Evaluate accounts and make sound underwriting decisions.
• Make decisions independently within assigned authority levels.
• Make decisions with efficiency, speed, and accuracy to meet department service standards.
• Execute policies and procedures within the assigned authority.
• Consistently act according to customer experience standards: respond quickly, maintain a positive attitude, build rapport, and demonstrate empathy.
• Recommend solutions to Senior Underwriters or the Underwriting Manager for risks outside of authority.
• Aid in carrier book roll opportunities, supporting agents in transitioning business efficiently and compliantly.
• Perform special projects and other duties as assigned.

Requirements

• Minimum 4 years of personal property underwriting experience required.
• Proven team member with strong collaboration skills.
• Measurable achievements in exceeding customer and co-worker experience standards by responding promptly, maintaining a positive attitude, building rapport, showing empathy, and representing Porch Values.
• Able to act as influencer in most difficult customer situations within team.
• A history of meeting key performance metrics.
• Strong understanding of industry practices, standards, and underwriting concepts.
• Ability to multitask and problem solve effectively.
• Proficient oral and written communication skills.
• Strong negotiation and relationship-building skills.
• Excellent time management skills.
• Self-motivated with a desire to succeed.
• Ability to adapt quickly and positively to changes.
• Ability to work autonomously with limited direction.
• Understanding and adherence of compliance and regulatory requirements.
• Analytical and critical thinking skills with the ability to interpret complex data.
• Strong professional judgment with the ability to balance risk and growth objectives.
• Excellent relationship building skills with both internal and external partners.
• Strong organizational skills and ability to manage a high-volume workflow.
• High attention to detail and commitment to accuracy.
• Ability to multitask and prioritize in a fast-paced environment.
• Proficiency with Microsoft Office Suite.

Qualifications

• Preferred qualifications include 4+ years of personal property underwriting experience, experience in a tech-forward or high-growth insurance environment, familiarity with ISO guidelines and rating plans, experience participating in carrier book rolls or supporting agencies through book roll transitions, and insurance designations such as AU, AINS, CPCU, or progress toward one.

Skills

• Strong analytical and critical thinking skills.
• Excellent time management and organizational skills.
• Ability to multitask and prioritize in a fast-paced environment.
• Proficiency with Microsoft Office Suite.

Benefits

• Comprehensive coverage for health, life, and financial wellbeing.
• Health Savings Account and employee Flexible Savings Accounts.
• Short and Long-Term Disability benefits.
• Voluntary Life and AD&D plans.
• Traditional and Roth 401(k) plans with a discretionary employer match.
• Wellness programs including flexible paid vacation, company-paid holidays, paid sick time, paid parental leave, identity theft program, travel assistance, and fitness and other discounts programs.
• Company-paid wellbeing tools such as Headspace and Brio Health.

Pay

The pay range for this position is $60,000 - $85,000 annually.

Schedule

This is a remote position.

Benefits

• Comprehensive coverage for health, life, and financial wellbeing.
• Health Savings Account and employee Flexible Savings Accounts.
• Short and Long-Term Disability benefits.
• Voluntary Life and AD&D plans.
• Traditional and Roth 401(k) plans with a discretionary employer match.
• Wellness programs including flexible paid vacation, company-paid holidays, paid sick time, paid parental leave, identity theft program, travel assistance, and fitness and other discounts programs.
• Company-paid wellbeing tools such as Headspace and Brio Health.