Senior Underwriter Resume Samples

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L Mann

Lyla

Mann

89546 Bergstrom Island

Dallas

+1 (555) 742 5680

89546 Bergstrom Island

Dallas

Phone

p +1 (555) 742 5680

Experience Experience

Philadelphia, PA

Senior Underwriter

Philadelphia, PA

Barton, Flatley and Lindgren

Philadelphia, PA

Senior Underwriter

Reviews work performed by others and provides recommendations for improvement
Working collaboratively in a team environment, assisting underwriters, underwriting assistants and management team
Provide assistance to the Northeast Region Property Manager (RVP) in the development of the firm's property insurance business
Working collaboratively in a team environment with underwriters, underwriting assistants and management team
Assist in management of workload for team members and ensure service levels are met
Performs ongoing review of work processes to ensure continuous quality improvement
Guides, assists and provides technical assistance to lower level analysts

Detroit, MI

Senior Underwriter, Property

Detroit, MI

Emmerich-Kozey

Detroit, MI

Senior Underwriter, Property

Research best practice and provide consultancy to support senior management in developing and improving processes and systems relevant to underwriting
Apply rating tools and methodologies to own work area to deliver to customers and offer suggestions for improvements
Develop strong broker and client networks as related to industries underwritten by Business Unit
Assist in training and developing staff
Develop and lead marketing presentations to new and current agents/brokers
Make agent/broker/customer and on-sight calls with a planned and well-prepared purpose
Solid knowledge of processing methods and workflow procedures, and basic knowledge of insurance underwriting and regulations for assigned territories

present

Los Angeles, CA

Commercial Bank Risk-senior Underwriter

Los Angeles, CA

Vandervort LLC

present

Los Angeles, CA

Commercial Bank Risk-senior Underwriter

present

Taking ownership of your portfolio, acting with a sense of urgency, doing whatever it takes to effectively get the job done
Being a strong advocate for the Underwriter team, recognizing and rewarding performance
Monitoring loan and portfolio performance post-closing; including covenant compliance, risk ratings and compliance with rules, regulations and policies
Implementing credit and regulatory policies and conducting periodic credit review
Implementing credit and regulatory policies and conducting periodic credit reviews
Work in partnership with the Bankers to develop fulsome Client relationships including being looked to as the "go to" person when the banker is out
Working proactively, in a constructive, diplomatic manner, with both internal and external contacts to keep transactions moving

Education Education

Bachelor’s Degree in Business

Central Michigan University

Bachelor’s Degree in Business

Skills Skills

Accountability for the underwriting results with respect to profitability and loss ratio
Ability to review Condo/PUD projects to ensure they meet salable or non warrantable guidelines
Have an excellent client servicing track record, with good working knowledge of insurance and risk management
Ability to meet production, quality and service standards along with providing direct coaching and feedback to ensure quality
Strong organizational, analytical skills and strong attention to detail
Strong analytical and judgment skills and excellent problem solving ability
Legal & Regulatory Knowledge: Strong knowledge of insurance coverage law and claim regulations in Australia
Strong knowledge of carrier strengths
Develop strong long term broker relationships to profitably grow a book of business
Ability to work independently and assume responsibility for projects across a continuum from routine to highly complex

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CTL Senior Underwriter Resume Examples & Samples

Thorough understanding of Commercial real estate property valuation techniques including discounted cash flow analysis
Identify issues in a timely manner, formulate and propose effective solutions
Graduation from acollege or university with major course work in a discipline related to the work of the position
Minimum requirements of 10 years experience in commercial real estate lending, underwriting and or loan workouts

Senior Underwriter Resume Examples & Samples

Attend client, bank, and other meetings to develop a better understanding of client companies, management teams, and industry sectors
Review and negotiate legal documentation to ensure terms are appropriate and consistent with credit approval
Provide early identification and proactive management of deteriorating credits and other problem situations
Superior credit, lending, negotiation, and loan documentation skills
Independently productive; able to operate at a highly effective level with minimal day-to-day managerial direction
BA/BAA degree required, MBA a plus
Minimum of 7 years of commercial / corporate banking / lending experience including extensive credit, structuring, and marketing experience

MM Senior Underwriter Resume Examples & Samples

Have the ability to orchestrate a complex deal through Capital Markets and Credit in an efficient manner
BA/ BBA/MBA, completion of a major corporate bank credit training program (or the equivalent corporate banking / corporate finance experience) and typically a minimum of 5 to 8 years in banking / lending experience which might include credit, structuring and marketing. Possesses significant accounting and finance knowledge, and commercial banking experience
Demonstrated superior verbal and written skills, interpersonal skills, and analytical , problem solving skills. Ability to mentor more junior underwriters

Senior Underwriter Resume Examples & Samples

Complete lease and conditional sales contract transactions identifying and developing client centric solutions
Assume responsibility for information gathering and sharing relative to innovations and changes in lease structuring
Develop creative lease and conditional sales contract solutions that meet client needs without compromising the quality of the Bank’s lease portfolio
Develop technical competencies related to lease practices, products and equipment evaluation
Participate and share information at department team meetings
Minimum 7 years of experience in lease financing in a credit and collections capacity
Broad general knowledge of equipment, as to values, rates of depreciations, useful life and application
Knowledge of lease and conditional sale documentation required to properly secure a finance transaction
Knowledge of security registration in Quebec and Ontario
Working knowledge of Microsoft Excel and Word

Commercial Senior Underwriter Resume Examples & Samples

Taking ownership of yourportfolio, acting with a sense of urgency, doing whatever it takes to effectively get the job done
Work in partnership with the Bankers to develop Client relationships including beingconsidered as the "go to" person when the banker is out
Working proactively, in a constructive, diplomatic manner, with both internal and external contacts to keep transactions moving
Providing leadership in the market by being a positive contributor to the teamand embracing change
The ability and courage to voice your opinion in a clear, concise manner and to defend that position with Senior Management
BA/BBA/MBA and completion of a major corporate bank credit training program (or the equivalent corporate banking/corporate finance experience) at least 10years experience in banking/lending which might include credit, structuring and marketing experience
Demonstratedexcellent verbal and written skills, interpersonal skills, and analytical, and problem solving skills

CTL Senior Underwriter Resume Examples & Samples

Provide effective guidance and performance feedback to analysts
Graduation from acollege or university with major course work in a discipline related to the work of the position (e.g. Business, Finance, Accounting, Real Estate)
Minimum requirements of 10 to 15years experience in commercial real estate lending, underwriting, and loan workouts

Senior Underwriter Resume Examples & Samples

Assessing marginal (borderline and therefore potential high risk) credit applications to maximise acceptance rates to clients whilst minimising risk to BPF
Ensure compliance with company Governance and Compliance policies
Utilise all available systems to evaluate a customers individual financial circumstances, to make balanced decisions giving consideration to our TCF and responsible lending guidelines
To review appeals and complaints in accordance with legal and regulatory requirements
Responsible for Underwriter quality assurance and feedback delivery
To provide Team Leader cover during absences, out of hours and weekends
2) Communicate with customer and clients regarding applications, providing support and advice to ensure all relevant customer information is captured and ensure our clients are correctly advised on decisions
3) Evaluate, follow up and record CIFAS (suspected fraud) information, to identify fraudulent applications and ensure necessary action taken
4) To understand and identify potential fraudulent applications using a range of systems to avoid potential post payout losses/write offs
5) Communicate/train new underwriters to ensure procedural and policy awareness thereby delivering highest service standards
6) Monitor and report where appropriate to Team Leader and Trainer anomalies found within our credit decisioning system to minimise risk to the business
8) Compliant with CCD regulations by manually assessing customers affordability
9) Achieve volume and quality assurance targets on a monthly basis
10) Act as a referral point for underwriters
11) Responsible for the integration and training of new starters to the department
Ability to make logic driven subjective decisions
Positive in embracing change
Decision making/accountability
Ability to work under pressure to tight deadlines
Ability to deal with all levels demonstrating tact & diplomacy
Experience in credit decisioning systems i.e Experian, Equifax
A general understanding of the regulatory framework that applies to lending operations, to include the Data Protection Act, the Consumer Credit Act, CIFAS, Money Laundering legislation and CCD requirements
Previous experience in either retail/motor underwriting, or other credit underwriting environment
Supervisory experience is desired but not essential

Commercial Senior Underwriter Resume Examples & Samples

Exceptional leadership skills including: an ability to motivate people to perform at their best, evaluate performance and provide real time feedback
Building an underwriting team that has a clear understanding of their role and the direction of the group and market
Accepting change and dealing with it proactively and constructively. Strong ability to identify change agents on his/her team
Capacity to proactively identify deteriorating credit situations and manage the process through strong communication skills with both the client and internally
As a credit approver, confidently exercise authority while clearly articulating the reasoning behind credit decisions. Provide timely, consistent and well thought out credit decisions
Completion of a major corporate bank credit training program (or the equivalent corporate banking / corporate finance experience)
Typically a minimum of 5 to 8 years in banking / lending experience which might include credit, structuring and marketing

Mortgage Operations Senior Underwriter Resume Examples & Samples

In-depth knowledge of competitive marketplace and trends in product offerings
In-depth pipeline management required
Computer literate and strong familiarity with credit financial analysis techniques Experience with web based approval systems (DU/LP) required

Senior Underwriter Resume Examples & Samples

Minimum of three years' experience as an underwriter
Minimum of five years' mortgage experience
Thorough knowledge of state policies
Thorough knowledge of complex personal and business financial analysis and an expertise in tax return and balance sheet analysis, including both cash flow and AGI methods
Knowledge and proficiency in all levels of mortgage underwriting including Government, Agency, Jumbo and Super Jumbo lending
All government designations preferred (FHA DE, VA Auto, VA Lapp)

Senior Underwriter Resume Examples & Samples

Computer proficiency skills in Excel (financial modeling), Microsoft Word, PowerPoint
Thorough understanding of risk impact and consequence of errors in formulating decisions and providing direction to others
Minimum requirements of 10 + years experience in commercial real estate lending, underwriting and or loan workouts

Home Equity Senior Underwriter Resume Examples & Samples

Underwrite and apply required conditions to current program/product specifications with analysis of Capacity, Capital, Character, Collateral and Condition. Examine residential loan packages; assess risk and set parameters/terms for approval, modification, and/or rejection; make decisions to approve/decline loans for all first underwrites
Examine mitigating factors to ensure that the mortgaged property is at sufficient market value to secure the loan
Independently review acceptable levels of loan risk on individual loans with loan orginators, and risk management; may involve supervisor if necessary based on scope of transaction and/or to restructure transactions. Maintain relations with loan originators and operations partners while managing credit quality
Minimum 3 years of underwriting experience strongly preferred
Bachelor's degree in Business or related discipline preferred

Senior Underwriter / Portfolio Manager Resume Examples & Samples

Must have a minimum of 5+ years of experience in underwriting/analyzing commercial banking transactions, including participations in syndicated transactions
Must have experience in cash flow, borrowing base, and ABL structures
Must have strong analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry and competitive analysis and projections
Must be highly proficient in spreadsheet and word processing applications
Ability to structure, negotiate, and manage complex credit transactions
Demonstrated knowledge if intermediate accounting theory and its practical application in the underwriting process

Government Lending Operations Senior Underwriter Resume Examples & Samples

Undergraduate degree or equivalent work experience as a first mortgage underwriter, i.e. 10+ years of previous first mortgage underwriting experience
FHA Direct Endorsement Underwriter and VA Staff Appraisal Reviewer certifications required
Expert knowledge of real estate lending products, regulatory compliance and secondary market guidelines (FNMA/FHLMC, FHA, VA, USDA, State Bond.)
Computer literate and strong familiarity with credit financial analysis techniques
Experience with web based approval systems (DU/LP) required
Planning and organizing skills and ability to manage multiple priorities
This position requires Credit Qualification. The incumbent must possess an In-depth level of Credit knowledge and skills and a Working level of Portfolio Management knowledge and skills according to the standards established within the Credit Qualification Process Policies & Procedures

Workout Senior Underwriter Resume Examples & Samples

To protect the portfolio, by making accurate credit analysis, negotiations and/or restructures
To preserve the franchise value, by helping the customer to survive
Relates and communicates with different stakeholders to define the workout process (negotiation, restructuring and/or lawsuits)
Document and update CRM application requirements to enable workflow across the business. Qualifications/Requirements: In addition to having a Finance, Business, Engineering or any other quantitative academic degree, a seven years minimum proven experience in credit restructuring/workout/credit/ leasing/risk concepts and relevant understanding of Financial statements and cash flow, we are looking for individuals with the following competencies & behaviors
Can negotiate skillfully in tough situations with both internal and external groups
Uses rigorous logic and methods to solve difficult problems with effective solutions; can see hidden problems; looks beyond the obvious and doesn´t stop at the first answers
Has the functional and technical knowledge and skills to do the job at a high level
Knows how the businesses works, is aware of how strategies and tactics work in the marketplace
Enjoys working hard; is not fearful of acting with minimum planning; seizes more opportunities than others
Pursues everything with energy; seldom gives up before finishing, especially in the face of resistance or setbacks
Makes decisions in a timely manner, sometimes with incomplete information and under tight deadlines and pressure; is able to make a quick decision. Additional Eligibility Qualifications: Desired Characteristics
Experience in credit risk, restructuring consultation, equity/security analysis functions or risk positions are highly desirable
Up to seven years minimum relevant work experience in financial services industry
Fluent in English and Spanish

Senior Underwriter Resume Examples & Samples

Process and underwrite 1st charge applications received from introducers. Take ownership from initial receipt through to completion ensuring each application is underwritten in line with company policies and regulatory requirements
Maintain and appropriately use 1st charge mandate to approve applications. All decisions are clearly documented, timely, accurate and consistent with underwriting standards & TCF
Process & underwrite Contract Variation applications from initial enquiry through to completion. All decisions clearly documented & ensuring clear customer communication
Effectively manage referral process for cases outside criteria/nonstandard with recommendations on decisions
Liaise with introducers on a regular basis covering DIP's, pipeline, referrals and quality of packaging, within agreed SLA's. Look to reduce time to decision (TTD) through pro-active pipeline management
Maintain excellent customer service levels through communication with both internal and external customers
Liaise with support functions regarding all areas of process, ie Solicitors, Valuations, Sales, for own cases and those of other team members, ensuring efficient processing of cases
Support all dept admin and ad hoc duties that may arise on a daily basis
Provide support and take-on additional deputy duties, as requested relating to Workflow Management - ensuring SLA's are met, productivity and quality targets for self and other team members are maintained, complaint/query handling is managed in a timely manner, rotation of managing monthly team meetings
Provide underwriting support for other Risk departments within the agreed service level requirements/agreement
Assist Line Manager in ensuring competency and development of all team members by providing feedback on performance, assessing development needs and providing support and execution of on-the-job training requirements
Ensure all dept policies and procedures are update to date and adhere to regulatory requirements
Support Line Manager in generating, distributing and acting on statistical reports to identify trends and take required action in order to achieve a high standard of service delivery
Support Line Manager in motivating team to meet required targets and provide input into new motivational and incentives ideas/plans that can be implemented into the team
To identify and handle complaints, ensuring all required actions completed e.g. escalation, remediation etc. to Fair Customer Outcome
Identify and escalate improvements to processes to ensure Fair Customer Outcome
Timely and accurate underwriting of applications and related correspondence
Achieve and maintain lending mandate
Audit results both internal, Line Manager, QC/QA and external
Demonstrate ownership of cases though regular reporting of new cases and pipeline
Relationships with introducers and support functions
Meeting SLA's
Customer service levels – TCF dashboard metrics. Feedback from customers, Calls stats and quality via monitoring complaints
Maintain positive attitude with professional manner
Admin duties completed effectively in agreed timelines
Individuals and team productivity and quality targets
Complaints identified correctly in line with GE complaint definition
100% QA Achievement on complaint handling
Adherence to the Integrity Spirit & Letter Handbook, and regulation applicable to GEMHL
Accountable for regulatory awareness through participation at business updates and face to face meetings
Compliance with GEMHL Policies and Procedures
100% Completion of all regulatory CBT and classroom training

Senior Underwriter Resume Examples & Samples

The completion of a major corporate bank credit training program (or the equivalent corporate banking/corporate finance experience) is preferred
Minimum of 5-7 years in commercial real estate banking experience which might include credit, structuring and marketing
Demonstrated excellent verbal and written skills, interpersonal skills, and analytical and problem solving skills
Ability to multi-task and attention to detail
Proficient Microsoft Word, Microsoft Excel and Microsoft PowerPoint

Senior Underwriter Resume Examples & Samples

Review and analyze highly complex borrower documentation to determine income and repayment ability, analyze borrower asset statements, determine housing and expense ratios, identify any potential fraud and determine proper loan resolution. These complex transactions require use of specialized systems and tools, processing and data entry
Maintain up-to-date knowledge of relevant Underwriting policy and procedures practices effecting underwriting decisions. Interacts with the Correspondent to ensure timely resolution so borrower is not adversely impacted
Minimum 3-5 years of as a Mortgage Underwriter required
Thorough knowledge of complex personal and/or business/corporate tax returns, including but not limited to profit and loss, balance sheet, analysis,
Excellent credit report and asset analysis, attention to detail and decision making skills
Highly motivated and takes initiative

CB Senior Underwriter Resume Examples & Samples

Independently prepare timely, high-quality analytical work upon which significant reliance is placed in the credit approval process
Provide complete offerings for specialized and complex lending situations that analyze financial data, assess industry and accounting issues, and evaluate loan structure to determine the creditworthiness and financial condition of clients
Identify all major and most secondary credit issues
Recommend credit structuring and documentation, in partnership with Credit Officer and Relationship Manager, of more complex and specialized transactions, including setting up loan structure, working with counsel, negotiating loan documents, and closing
Participate actively in and conduct independent due diligence meetings with clients/prospects. Partners on calls with Relationship Managers and Credit Officers; degree of interaction with clients/prospects depends on LOB
Monitor credit quality of assigned portfolios by reviewing various system reports and evaluation tools, ensuring timely administration within PNC policy
Establish risk ratings in conjunction with Relationship Managers, prepare SAC reports, participate in portfolio review meetings, and manage criticized assets with assistance of CRC
Bachelors Degree in Finance, Accounting. or business related field
Participation in line or credit activities typically for a period of 6-10 years
Relevant industry experience may be required
Possesses the ability to manage large and/or complex client credit requests from origination to approval in a timely fashion, while adhering to bank credit policies and risk management guidelines
Thorough knowledge of Bank's computer-based tools, including projections template if relevant for line of business
Understands strategic direction of PNC and C&IB; is able to articulate strategies in context of competitors, trends in financial services industry, economic outlook and capital markets

Home Loan Senior Underwriter Resume Examples & Samples

Underwrites first and second lien home loans in accordance with Patelco Credit Union credit guidelines, investor requirements and various federal and state regulations
Stays abreast of changes to private mortgage insurance guidelines and communicates them to management
Provides and promotes exceptional customer service, internally and externally
Completes information accurately and conducts the appropriate audits to ensure accurate completion of home loan transactions
Responds promptly to requests for assistance and information from internal and external parties, and conducts appropriate follow up to ensure satisfactory conclusions; completes underwriting of home loans within prescribed timelines based on volume
Must have HS Diploma/GED
10+ years’ experience in mortgage environment, including at least 5 years’ experience underwriting conventional home loans

Asset Mgmt Risk-global Wealth Mgmt Senior Underwriter Resume Examples & Samples

Underwriter has responsibility to talk directly with Front Office and/or the end Client on renewals and annual reviews. Specifically to obtain financials and understand the renewal structure. They may also be involved directly with the Client on new money transactions
Underwriter to ensure the transaction adheres to all appropriate lending regulations and credit policies. Underwriter will communicate and when appropriate negotiate; with the Banker/Capital Advisor/Credit Executive regarding credit decisions and credit issues with their clients and suggest alternatives for problem resolution if needed
Work with Prelim and Closing partners to ensure appropriate regulatory disclosures are provided to the Client throughout the credit process as well as ensure appropriate closing information is known for a title company, market partner or direct mail closing for the Client
Special projects will be assigned as appropriate
Completion of a major bank credit-training program preferred
Proven ability to communicate with senior managers and sales personnel

Senior Underwriter Resume Examples & Samples

Continually looks for ways to improve upon processes. Willingness to volunteer to lead and execute department/functional project
Other duties as assigned based on divisional needs
A minimum of 4 years life or health underwriting experience
Demonstrated skill in AWD or similar system, MS Office skills, risk assessment skills and strong platform skills

Asset Mgmt Risk Global Wealth Mgmt Senior Underwriter Resume Examples & Samples

Underwrite GWM consumer and business purpose credit applications within the Wholesale Bank grading methodology and credit systems. Specific use of the following Wholesale Bank systems: ARC (Approval Recording & Control), Client Central, Exposure Now as well as SRGT (Strategic Risk Grading Tool) to comply with Basel III standards for regulatory risk grading requirements
Underwriter has responsibility for portfolio management and appropriate escalation for their respective markets to ensure credit risk is maintained
Mentor less experienced Underwriters and Credit Analysts, Loan Closers/Prelim as well as other GWM staff
Recommend and implement new methods and procedures to make the unit more efficient
Requires a bachelor's degree in accounting, finance, business management or substantial previous business and/or consumer lending experience

Senior Underwriter Resume Examples & Samples

Pre-closing of newly approved brokers/correspondents and brokers/correspondents or other entities on M&T’s Internal Watch List
Pre-closing when referred from Loan Production Office
Post-Funding when referred from QC Credit group and other internal departments within the organization for potential fraud
Of loans declined due to fraud concerns

Senior Underwriter Global Captive Practice Resume Examples & Samples

Profitably underwrite multiple lines of business including property and casualty lines, medical malpractice and other associated healthcare products
Establish underwriting guidelines and rating structures utilizing underwriting judgement, actuarial input and other loss and exposure data
Producing accurate and pertinent information on a timely basis to enable the captive Boards to make informed decisions
Ongoing liaison with parent company, insurance regulator, directors, and service providers in respect of the above
Administer, collate, negotiate and review insurance and reinsurance documentation
Claims administration including reporting and recording
Lead underwriting decisions in conjunction with Account Executives, including Renewals and New Business
Monitoring of Solvency Margins and Regulatory Ratios
Ideally be insurance qualified (ACI/CPCU), or working towards it
Have an excellent client servicing track record, with good working knowledge of insurance and risk management
Be willing and able to travel extensively within the United States to attend client and other service provider meetings and presentations with occasional overseas travel
Self-motivated and the ability to work effectively as part of a team or on individually assigned tasks in a fast-paced, dynamic environment where superior time management and prioritization skills are essential
Ability to interact effectively with clients and key business partners

CTL Senior Underwriter Resume Examples & Samples

Operation of automated systems/tools sufficient to effectively perform job duties
Also helpful is an understanding of DCF (Discounted Cash Flow) and NPV (Net Present Value) spreadsheet models
Ability to serve as functional technical expert in responding to customer inquiries and resolving system related issues
Provide effective guidance and performance feedback to lower-level analysts and others in Commercial Term Lending
And consequences of errors in formulating decisions and providing direction to others
Minimum requirements of 8+ years experience in commercial lending, business banking, real estate lending in both construction and permanent financing, accounting, auditing, law, credit policies and procedures, loan review and loan workouts

VP-senior Underwriter Resume Examples & Samples

Taking ownership of your portfolio, acting with a sense of urgency, doing whatever it takes to effectively get the job done
Effective leader in complex transactions including syndications and multi-level capital structures
Having the ability to quickly and accurately evaluate smaller relationships to determine if the risk profile is acceptable and recommend simple structures that adequately protect the bank while not over engineering the transaction
BA/BBA/MBA and completion of a major corporate or commercial bank credit training program (or the equivalent corporate banking/corporate finance experience) and typically a minimum of 5+ years’ experience in commercial banking/lending which might include credit, structuring and marketing experience

AB Senior Underwriter, Houston Resume Examples & Samples

Strong background in credit, underwriting, structuring and negotiation skills
Experience in asset-based lending across broad industries – energy lending experience is preferred
Knowledge of complex credit structures
Strong understanding of sales organizations and sales processes
Champion change and ensure changes are effectively implemented
Able to establish and maintain collaborative partnerships
Demonstrates strong teaming behavior that creates win-win solutions that build trust
Able to drive integration among multiple partners and functions
Demonstrates deep and broad business acumen - a strong business person with technical skills
Able to influence executive management and provide thought leadership across the organization
Easily navigates multiple client and support organizations
Demonstrates sound judgment and acts with speed - able to achieve results quickly
Complex problem resolution abilities
Displays personal courage, makes tough people and business decisions
Communicates crisply and candidly
Unquestionable business and personal integrity

Senior Underwriter, Banking Resume Examples & Samples

Review and decision on mortgage and home equity loans originated for portfolio, in accordance with regulatory and prescribed lending guidelines
Prepare commitment and adverse action letters
Assisting with training of non-underwriting staff as needed to support a quality driven environment
Assist with and provide input into ongoing development of underwriting related policies, procedures, systems and third party relationships that support the origination of bank credit products
Maintain high quality in execution of underwriting authority to both portfolio and secondary market stands
Obtain and maintain authority consistent with internal and third-party standards as required
7+ years of mortgage underwriting experience
3+ years of home equity underwriting experience
Has had up to 1.5M underwriting authority
Thorough understanding of underwriting policies and procedures, as well as investor guidelines and regulatory updates including knowledge of FNMA/FMLMC, FHA and VA guidelines and standards
FHA Chums ID and VA SAR is desired

Senior Underwriter Resume Examples & Samples

Identify the key risk factors associated with clients, transactions, and industry asset classes across an assigned portfolio
Work closely with Credit Services to ensure accuracy of credit system data
Meaningful commercial credit transaction experience with asset-based structures, ideally involving lending to specialty finance companies
Experience in building strong relationships with internal and external clients, facilitating successful achievement of goals
Ability to travel on a periodic basis
Excel/MS Office knowledge

VP-senior Underwriter Resume Examples & Samples

Risk Assessment
Develop and articulate a dynamic, forward-looking risk assessment of client companies, transactions, competitive threats, and industry and other factors
Ensure all credit risk and other policies are followed, and credit exposures are approved at the appropriate level
Analyze and negotiate covenants and other terms and conditions as part of a deal team
Portfolio Management
BA/BAA degree required
Completion of a major corporate bank credit training program or equivalent experience

Mortgage Operations, Senior Underwriter Resume Examples & Samples

Expert knowledge of real estate lending products, regulatory compliance and secondary market guidelines (FNMA/FHLMC)
Excellent communication and relationship building skills
Proven leadership skills

Senior Underwriter Resume Examples & Samples

Conduct initial customer analysis including financial statement review, cash flow analysis, payment performance and industry risk within designated time frames
Prepare risk assessments and present management with clear and concise risk recommendations
Interface with and interview Customers to obtain needed information, gain insight on business operations, resolve credit issues, and minimize potential losses
Set internal credit lines and perform aspects of portfolio monitoring and management
Interface with the Xerox Sales Organization to answer inquiries regarding customer account information, credit request status, and reasoning on credit decisions
Participate in one or more projects that aim to improve risk processes and tools
6 years in commercial underwriting financial statement and cash flow analysis and portfolio analysis experience

Senior Underwriter Resume Examples & Samples

Evaluate creditworthiness of borrowers in order to render a credit decision. This includes but is not limited to the review of paystubs, W2’s, financial statements, tax returns, asset statements, bank account statements, credit reports etc
Must ensure all loans meet or exceed corporate credit policy and be in compliance with the Ability to Repay (ATR) and Qualified Mortgage provisions of the Dodd-Frank Act
Ensure compliance with appropriate company and FHA/VA/Agency/Investor guidelines
Review credit report and compare to liabilities on 1003. Verify the investor guidelines for outstanding derogatory items and requirement payment or satisfaction if needed
Calculate income/self-employed cash flow using documentation and methodology required per investor, and CFPB regulations. Analyze the business’s financial strength by examining annual earnings to determine stability and viability. Income must be verifiable, stable and ongoing
Review assets to ensure adequate funds to close and required reserves. Ability to analyze bank statements for any recent large deposits and possible other debts that might impact ATR
Review final conditions turned in for Underwriting Final Approval within SLA
Review a minimum number of files per day as determined by management which would include new submissions, re-submissions & final conditions
Perform second level review on loans recommended for denial. Evaluate the application to determine if there is any other product available before issuance of denial
Perform second level one up reviews on those loans recommended for approval above someone’s lending authority
Maintain current and fluid knowledge of investor/agency and FHA/VA guidelines and adapt to changes quickly
Communicate effectively and engage proactively with mortgage loan officers, processors, branch managers, funders and post-closers in regards to loan decisions, assignment of loan conditions, investor guidelines/documentation requirements and possible loan scenarios
Assist in the training of Key Bank Mortgage employees as needed
Bachelor’s Degree or equivalent combination of education and experience
Must have a current FHA Chums/DE underwriter ID number and/or SAR, LAPP or VA automatic designations with 3+ years’ experience in underwriting FHA/VA loans
Must have a thorough knowledge of Mortgage Insurance Guidelines and rates
Familiarity in Desktop Underwriter and Loan Prospector
Strong working knowledge of ATR/QM Requirements
Strong analytical skills; accuracy, consistency and completeness is critical
Strong computer skills; proficient in Microsoft Word, Excel and Outlook
Must have proficient written and verbal communication skills

Senior Underwriter / Program Manager Resume Examples & Samples

Review applications and financial requirements of accounts to determine acceptability of risk in accordance with company underwriting guidelines and authority
Demonstrates technical underwriting skills through strategic account review and file documentation
Understands pricing components and rating methodology and prices risk based on financial and competitive analysis
Identify and develop key production sources to develop new business opportunities that lead to department growth
Administration and monitoring of department underwriting rules and guidelines
Approve endorsement transactions for book of business within assigned territory
Participate in policy form development
Provides leadership, mentoring and education to underwriting team
Values high quality professional service to Agents and Companies
Bachelor’s degree or 5-10 years of commercial underwriting experience and/or equivalent combination of education and experience
Prior environmentally related underwriting experience preferred
Professional designation as Associate Underwriter (AU), Associate in Risk Management (ARM) or CPCU designation or in process with goal to complete
Independent, entrepreneurial spirit capable of managing a large book of business with minimal supervision
Management experience is a plus
Must be committed to client relationship management and service
Excellent analytical skills

Senior Underwriter Resume Examples & Samples

Evaluate applications for life and disability income insurance products
Review financial and medical information and categorize individuals into risk classes in an effort to achieve the company's profitability objectives
Manage expectations and communicate decisions to advisors and clients on the telephone and in writing
Establish and nurture strong working relationships with advisors and wholesaling partners
Individual Life Insurance or Individual Disability Underwriting experience
Proven strong analytical, problem solving and decision making skills
Able to negotiate and influence internally and with advisors
Demonstrated ability to manage multiple priorities and meet deadlines
Demonstrated strong interpersonal and leadership skills
College Degree or Insurance Industry Experience
Industry course work such as LOMA, ALU, CLU, etc. is preferred

Senior Underwriter Resume Examples & Samples

Proven competency at all job tasks and expectations of Underwriter and Intermediate Underwriter
Minimum of two LOMA classes, working towards FLMI designation
Ability to multi-task and prioritize
Excellent verbal and written communication skills when working with different levels of both internal and external audiences
Minimum of two LOMA classes preferred, working on ALU 101 and LOMA 311 towards FLMI designation
Must be flexible

Senior Underwriter Resume Examples & Samples

Contributes to the Underwriting profitability of a portfolio of business
Contributes to Operations
Accountable for client experience through underwriting activities
Contributes to Risk and Control

Senior Underwriter Resume Examples & Samples

Prepare rigorous risk analysis and present to senior management with a clear and consistent approach to mitigate risks
Get knowledge of each assigned account's characteristics (collateral, credit conditions, covenants, financial situations, change in ownership, payment trend)
Lead the approval of flow leasing transactions
Manage team’s pipeline and balance workloads
Fine tune team’s credit write-ups before submitting for approval
Participate in credit approval processes
Bachelor’s - Economics, Management, Finance, Engineering, Accounting, Actuarial Sciences, Applied Mathematics or related fields
Fully Bilingual (Spanish & English)– Spoken and written
10 years of experience in commercial underwriting and/or portfolio management
Analytical skills: ability to analyze unstructured/complex problems using quantitative analysis
Ability to make and deliver presentations to executives and external clients
Leadership skills: ability to hire, train, coach and develop employees
Master’s degree - Economics, Management, Finance, Engineering, Accounting, Actuarial Sciences, Applied Mathematics or related fields

Senior Underwriter, Private Banking Resume Examples & Samples

Evaluates and underwrites complex credit requests across disciplines including personal, commercial, and commercial real estate across a range of domestic geographies
Partners with Bankers, Relationship Managers and other internal clients through financial/credit analysis and identification of risk factors. Adds value to ultimate client relationship by providing timely response and quality underwriting in coordination with client needs
Partners with other Financial Analysts and Team Leader to meet proscribed standards of underwriting quality, client service, and productivity
Spreads, researches, and analyzes pertinent financial statements and tax returns related to personal, commercial, and real estate entities. Evaluates an entity's stability, aptitude of management, and creditworthiness where appropriate. Prepares and presents written credit memoranda for credit approval

Senior Underwriter Resume Examples & Samples

General concepts relating to analyzing property operating statements as well as personal financial statements of individual sponsor
Policies, standards, procedures, and regulations applicable to the assigned work group
Thorough understanding of risk impact Ability to independently underwrite multi-family and commercial loans
Use complex software and systems and operate office equipment at an acceptable level of proficiency
Understand and interpret operating statements, tax returns, and financial/performance data
Minimum requirements of 3+ years experience in commercial lending, business banking, real estate lending in both construction and permanent financing, accounting, auditing, law, credit policies and procedures, loan review and loan workouts
Any combination of education/and or experience consistent with the above that would demonstrate the capability to perform the duties of the position
Additional qualifying education may be substituted for a maximum of two years of the experience requirement. Additional qualifying work experience may be substituted for a maximum of two years of the education requirements

Senior Underwriter, Residential Lending Resume Examples & Samples

Strong working knowledge of loan documentation, contracts, procedure manuals, and government/state/banking regulations
5 years recent experience reviewing non-conforming Jumbo loans
High School diploma, or equivalent, required
10 + years consumer lending experience
Ability to stay current with the consumer lending environment
Organized and detailed

Commercial Bank Risk-senior Underwriter Resume Examples & Samples

Performs credit analysis, due diligence, reviews documentation, and monitors/manages ongoing performance/risk of accounts within his/her assigned portfolio of clients under supervision of their manager
Independently applies strong credit knowledge, policy expertise, and analytical abilities to underwriting client requests and annual reviews
An important deal team member managing transactions to completion with little or no guidance from immediate manager
Uses expert credit judgment to recommend and approve extensions of credit
Has developed knowledge of the specifics of the business unit and/or products being supported
Strong understanding of primary credit products (revolving lines of credit, term loans, commercial cards, etc.) and operating exposures (ACH, intra-day limits, etc.). Thrives in a fast paced environment specializing in clients with $20MM-100MM in revenue
Possesses strong accounting and finance knowledge, and has extensive commercial banking experience
Excellent verbal and written communication skills are required. Ability to work independently with minimal supervision
Ability to build and maintain excellent partnerships and relationships throughout the CB, including bankers, TS, derivatives, implementations, ACH and funds control, internal counsel, service, support groups, etc
Requires impeccable organization skills, attention to detail, and highly efficient work methods
The ability to voice an opinion in a clear, concise manner and to defend that position with various stakeholders
Flexibility and the ability to identify larger opportunities and to effect warm hand-offs as appropriate to other team members
Minimum of 2- 5 years commercial underwriting /banking/lending experience which might include credit, structuring and marketing

Commercial Bank Risk-senior Underwriter Resume Examples & Samples

Thorough understanding of commercial property valuation techniques including discounted cash flow analysis
Superior financial analysis skills including property operating statement for variety of property types and personal financial statements of individual sponsors
Establish and maintain effective relations with internal business partners including sales, processing closing and legal
Understand and interpret financial/performance data
Concisely express ideas and convey technical information in written, oral, and electronic communication
Provide effective guidance and performance feedback to lower-level underwriters and analysts
Underwriting management experience is preferred
Graduation from a college or university with major course work in a discipline related to the work of the position

Commercial Bank Risk-senior Underwriter Government Resume Examples & Samples

Taking ownership of your GHHN portfolio, acting with a sense of urgency, doing whatever it takes to effectively get the job done
Utilizing excellent credit skills to author well thought out and concise analysis of GNNH relationships using appropriate structure and identifying key risks
BA/ BBA/ MBA and completion of a major corporate bank credit training program (or the equivalent corporate banking/ municipal finance experience) and typically minimum of 5 years in banking/ lending experience which might include credit, deal structuring and marketing
Successful completion of a commercial bank credit training program
Strong understanding of the GHHN sector and municipal finance structures is preferred
Demonstrated superior verbal and written skills, interpersonal skills, and analytical and problem solving skills
Ability to mentor junior underwriters and analysts

Senior Underwriter Resume Examples & Samples

Underwrites individual accounts that present significant exposure and tenure to ensure profitability and alignment of rate to risk. Strategically assesses these risks to ensure managed growth. Leverages letter of authority reviews from less tenured staff and roundtable discussions to articulate underwriting appetite to rest of staff. Acts as subject matter expert on strategic initiatives
Develops, mentors and establishes relationships with less tenured staff through training, auditing, coaching, and feedback. Provides training both individually and in group settings to new hires and current staff
Strategically develops and manages initiatives focused on promoting profitability by accurately matching rate to risk. Identifies, leads and executes re-underwrite opportunities on segments of our book of business. Focuses on underwriting execution, consistency, compliance and establishing relationships outside of Underwriting to enhance capabilities and improving Company performance
Bachelor’s Degree or equivalent education
3 to 5 years relevant experience
Strong analytical and decision-making skills. Ability to readily adapt to change
Strong organizational and interpersonal skills. Excellent written and verbal communication skills. Coaching and mentoring skills
Strong relationship building skills with other departments in helping them select profitable business
Chartered Property Casualty Underwriter - American Institute of CPCU
Strong risk assessment and portfolio management abilities
Demonstrated training and leadership skills

Senior Underwriter Resume Examples & Samples

CIP qualified and working towards MDI or ACII
Previous experience in a senior underwriting position in the Irish general insurance market (min 3/4 years)
Extensive knowledge of Commercial Property and Liability lines, with experience underwriting large sums insured / indemnity limits
Track record of strong relationship-building with Broker partners
Experience in handling internal referrals from junior underwriting colleagues

Senior Underwriter Resume Examples & Samples

Minimum five years high end mortgage underwriting or commercial lending experience with emphasis on middle market, small business or commercial real estate lending
Requires thorough knowledge of all financial statement and accounting conventions; some experience lending to high net worth clients is a plus
Requires strong external and internal client management skills, deal structuring, problem solving
Needs strong written communication skills and PC knowledge
Minimum of a Bachelors degree required
Formal credit training from Citibank or other acceptable financial institution
Knowledgeable in commercial lending, relationship management and sales is useful
Self directed and self motivated
Training in fair lending and regulatory compliance (useful)

Senior Underwriter Healthcare & Energy Flow Resume Examples & Samples

Underwrite deals to establish trade credit lines; co-manage a portfolio as part of Healthcare, Energy Flow underwriting team
Analyze financial and management strength of debtor companies, assess industry dynamics, evaluate country/political risk to recommend credit lines
Obtain financial statements, research credit information from reputable sources, perform financial modeling, secure and negotiate credit insurance for applicable transactions
Identify opportunities to enhance auto-decisioning capabilities for small-ticket transactions
Co-ordinate projections for new volume with clients; assess credit limits requirements and expiring limits; prepare credit reviews to support client needs
Explore syndication opportunities with Capital Markets for credits that are not within WCS exposure limits or credit appetite
Execute monthly/quarterly funding with cross functional teams and track funding volume rates
Ensure compliance in credit policies and procedures
Perform other assignments provided by the Senior Risk Manager
5+ years’ experience in a credit analytics or underwriting role for medium-sized ticket transactions
Proven track in financial statement analysis and credit analysis
Demonstrated experience in interpreting legal contracts/documents and working knowledge of letters of credit
Strong analytical, problem solving and process oriented skills
Demonstrated ability to learn new systems quickly
Ability to work under pressure in a time sensitive environment
Team player but able to work independently, manage priorities, and adhere to deadlines
Flexible working schedule to accommodate global clients in various time zones, including evenings, weekends and holidays work as required
Knowledge of or work experience in the Energy, Oil & Gas or Healthcare sectors preferred
MBA in Finance or Accounting or professional designation (CFA, CMA, and/or FRM) are a plus
Knowledge of methodology of different credit models (PD/LGD) and automation of processes
Experience with Moody’s Risk Analyst, RiskCalc or similar products would be an advantage
Exposure to factoring, leasing and/or banking industry preferred
Cultural Awareness in a diverse and international environment
Working knowledge of Spanish and/or Portuguese is a bonus but not required

Commercial Bank Risk-senior Underwriter Resume Examples & Samples

Working with Credit Bankers to size and structure loans to mitigate risks and liabilities
Preparing Investment Committee Memorandums, Credit Approval Packages and Risk Rating recommendations
Working with loan administration to facilitate loan closings
Implementing credit and regulatory policies and conducting periodic credit review
Monitoring loan and portfolio performance post-closing; including covenant compliance, risk ratings and compliance with rules, regulations and policies
Communicating with clients on loan deliverables
Periodically presenting proposed transactions to senior management
5+ years of commercial real estate banking/lending experience
Significant accounting and finance knowledge, as well as knowledge of real estate fundamentals and concepts
Strong analytical and business writing skills
Good interpersonal skills with internal partners, counsel, clients and senior management
Strong with Microsoft Word, Microsoft Excel, and Microsoft Powerpoint
Experience in Argus a plus
Experience with cash flow modeling and financial statement analysis
Knowledge of JPMC or similar bank policies and procedures preferred
Completion of a major corporate banking credit training program (or the equivalent corporate banking/corporate finance experience)
BA/BBA required; MBA a plus

Senior Underwriter Energy & Oil & Gas Resume Examples & Samples

Underwrite deals to establish trade credit lines; co-manage a portfolio as part of Energy and Oil & Gas underwriting team
Prepare risk assessments and present senior management/credit committee with a clear and consistent approach to mitigate credit, industry, political, legal, and regulatory and other relevant risks
Approve credit limits within authority or recommend approval for limits over delegation of authority
Maintain and enhance relationships with industrial clients; co-ordinate availability of early reads, communicate additional information required for credit decisions
Execute monthly / quarterly funding process with cross functional teams; track funding volume rates and prepare funding analysis
Ensure credit insurance limits are valid for all applicable transactions; adjust insurance limits according to utilization
Proactively maintain Risk Asset Classification scorecards and monitor approval conditions; document recent events and trends impacting debtors / industries underwritten
Assist portfolio analysts in reviewing accounts with significant past dues to assess credit risk and determine approach for resolution, which may include payment plans or legal action
Undergraduate University degree in Business, Commerce, Finance or Accounting
5+ years’ experience in a credit management or underwriting role for large-ticket transactions
Country / Sector Analysis – high level understanding of economic and political factors influencing corporate risk
Strong knowledge of financial statement analysis and credit analysis
Proven analytical, problem solving and process oriented skills
Superior Excel and Power Point skills
Detailed knowledge of or work experience in the Energy and Oil & Gas sectors preferred
MBA in Finance or Accounting
Familiarity with credit scoring processes and small-ticket underwriting
Experience with Moody’s RiskCalc or similar products
Prior experience in industrial businesses
Factoring industry or credit insurance experience
Exposure to leasing / lending businesses and financial products preferred

Commercial Bank Risk-senior Underwriter Resume Examples & Samples

Thorough understanding of commercial property valuation techniques including the market sales approach
Market research tools for all commercial real estate including office, retail, industrial and special purpose properties
Superior financial analysis skills including property operating statements for a variety of property types and personal financial statements of individual sponsors
Establish and maintain effective relations with internal business partners including Middle Market Bankers, CRE Product Specialists and Middle Market Underwriters
Project management skills including ability to prioritize, plan and manage processes to complete underwriting and other assignments on a timely basis
Minimum requirements of 5+ years experience in commercial real estate lending, underwriting and or loan workouts
Income Property finance and valuation coursework and advanced training preferred

Senior Underwriter Resume Examples & Samples

Extensive Life Risk Underwriting experience
Demonstrated performance in customer service
Track record of delivery and able to prioritise own work

Senior Underwriter Resume Examples & Samples

Against a backdrop of fierce and increasing competition, the bank seeks to grow its business through acquisition of quality new customers, retention of quality existing customers and improving average returns per customer
We will achieve this by aligning our distribution directly with our principal customer groups, and ensuring co-ordinated, multi-channel, delivery within a highly focussed environment, which recognises the customer, and regulatory demand for increased specialism and continually increasing levels of professional competence: becoming the best place to bank for our customers, and the best place to work for our staff
In achieving these aims, and retaining a strong culture of operational integrity and cost control, we will deliver revenue streams that expand at a faster rate than costs, and meet shareholder demands for positive jaws performance
Minimum of 4 years experience
Bachelor’s Degree Required
Sound knowledge of the Commercial Banking market
Good knowledge of CMB’s international proposition / product capabilities
Proven experience of working effectively with, and a detailed knowledge of the bank’s IT systems, including RBPM, Excel, Powerpoint, Word, Browser Main Menu, Global Links, Group Intranet etc
Proven ability, with a successful record of accomplishment in
Commercial Relationship Management
Honed analytical skills, with a strong emphasis on problem solving
Excellent interpersonal skills, with a particular emphasis upon communication (verbal and written)
Good planning and organisational skills with good attention to detail
Adaptable and flexible with a willingness to change to meet changing demands and opportunity
Ability to work without constant direction or supervision
Positive and proactive ‘can do’ attitude
Self-control and ability to perform under pressure
Commercial acumen
PREFERRED LOCATIONS: Fort Lauderdale or Plantation

Commercial Bank Risk-senior Underwriter Resume Examples & Samples

Constantly monitoring market efficiency and staff levels in an effort to manage growth and to streamline when needed. This includes restructuring, realignment of resources, and redefining roles when necessary
Driving an inclusive culture
Being a strong advocate for the Underwriter team, recognizing and rewarding performance
Exemplary underwriting skills including: the ability to break down a complex transaction, clearly and concisely explain and mitigate the key issues, identify alternative solutions, and recommend the best solution that meets both the customer's and bank's needs in a time sensitive manner
Excellent communication skills including the ability to be: a good listener, diplomatic yet confident and forceful in doing what is right and able to articulate your position to Sr. management
BA/ BBA/MBA
Experience and ability to manage and mentor junior underwriters

Senior Underwriter Resume Examples & Samples

Develop, negotiate and profitably underwrite new/existing business within own authority and in line with company strategy
Plan, prioritise and manage individual own work to deliver agreed objectives and meet SLA's to deliver exceptional customer service
Use the appropriate method of communication (telephone, face to face) to support right first time approach in order to maintain successful Internal and External relationships
Act on individual audit results and agreed action plans within agreed deadlines to improve own performance
Identify opportunities to improve current work methods, practices and processes
Understand and operate within regulatory framework and identify and escalate any risks to the business
Identify complaints and act upon them in line with company policy
Improve quality of underwriting and risk selection in support of delivery of financial objectives
Actively expand personal technical and niche knowledge both informally (networking internally and externally, internet, industry press) and formally (In-house training, CII, CPD)
Leaving Certificate or equivalent
CIP
Significant experience in underwriting commercial property (essential) and liability (desirable) across both new and existing business
Market, Industry and Company knowledge
A proven ability to deliver exceptional customer service
Ability to apply critical thinking as part of the underwriting process (will be tested)
Appropriate IT skills

Commercial Bank Risk-senior Underwriter Resume Examples & Samples

Utilizing excellent credit skills to author well thought out and concise analysis of Healthcare relationships using appropriate structure and identifying key risks
Work in partnership with the Bankers to develop fulsome Client relationships including being looked to as the "go to" person when the banker is out
BA/ BBA/ MBA and completion of a major corporate bank credit training program and typically 3 - 5 years in banking/ lending experience which might include credit, deal structuring and marketing
Possesses significant accounting and finance knowledge, and commercial banking experience including cash flow lending experience
Strong understanding of the Healthcare Industry sector is preferred
Ability to travel up to 5-10 trips a year

Senior Underwriter Resume Examples & Samples

Apply corporate finance and accounting expertise to develop appropriate financing structures
Superior credit, lending, negotiation, loan documentation, and financial modeling skills
Completion of a major commercial/investment bank credit training program or equivalent experience, and a thorough understanding of bank credit policies and procedures
Minimum of VP: 7 years of commercial/investment banking lending experience including extensive credit, structuring, and marketing. Experience working with technology industry clients is preferred
BA/BS degree is required, MBA is a plus

Group Senior Underwriter Resume Examples & Samples

Group Term Life and AD&D initial and renewal underwriting for Employer groups with 1,000 to 10,000 employees whose annualized premium is less than $500,000
Assess risk and recommend pricing and benefit action for Group Term Life and AD&D coverage for accounts with in excess of 10,000 employees or $500,000 of annualized premium
Consult with other underwriters and actuaries regarding product pricing and benefit configuration in the under 1,000 employee group market
Ensure risk assumption is in compliance with internal restraints and reinsurance requirements. Seek and obtain reinsurer agreement for facultative arrangements
Evaluate requests for grandfathering or other nonstandard assumption of risk
Maintain positive consultative relationships with our internal and external customers, including field personnel, marketing support, agents, and benefit consultants through effective written and verbal communication skills
Complete risk evaluation, pricing, and renewal decisions in a quality, timely, and productive manner
Complete Group Term and other Life products projects as assigned
Design audits and other measures to ensure account operations validate protocols and assumptions incorporated in pricing
Assist with creation of agent and consumer product materials
Serves as the subject matter expert for lower level underwriters
10+ years of experience in Group Life and Health underwriting which includes five years of financial underwriting of Group Term Life products
Advanced understanding of underwriting principles and the current group term life market
Superior math and analytical skills
Bachelor’s Degree with business, financial or math focus
Insurance Industry certifications

Senior Underwriter Resume Examples & Samples

Proficiency in medical terminology and procedures as they relate to the evaluation of the risk being considered
Advanced understanding of underwriting principles
6 years underwriting experience in Life and health, specifically the payroll deduction specialty market-place, or 5 years of underwriting experience with Allstate Benefits in particular
Attention to details
Ability to establish priorities and manage multiple projects simultaneously

Senior Underwriter Resume Examples & Samples

Make decisions on underwriting expectations in accordance with corporate policy
Assist in management of workload for team members and ensure service levels are met
Review test cases/recommend level for all new hires and promotions as directed by Center Manager
Act as resource for team members and branches assigned to team
Provide second signatures when required
Arbitrate appeals and disagreements with respect to lean files; elevate as needed
Complete daily workload of direct underwriting in timely manner
Review and complete PhaseWare incidents as needed
Minimum 5 years underwriting experience
Excellent oral and written skills required
Ability to coach and mentor
Elevate problems when needed
Familiar with credit reports and credit standards
Familiar with major correspondent lenders (Chase, Wells Fargo, Bank of America, GMAC, etc.)

Remote Senior Underwriter Resume Examples & Samples

3 - 5 Years of experience with underwriting Individual Life Insurance products that directly aligns with specific responsibilities for this position
Spanish speaking skills highly preferred
Expertise in analyzing and interpreting complex financial documents including profit/loss statements, income statements, and balance sheets
Drives performance targets to completion #LI-CA1

Senior Underwriter Resume Examples & Samples

Analyzes data related to the risk being underwritten for large, complex cases, in order to determine what benefits, if any, can be offered and at what rates
Conducts research in order to secure additional data needed to make determinations on benefits and premiums
Communicates with policy owners, applicants, brokers, agencies, and/or other sources concerning underwriting decisions and procedures
Provide guidance and expertise to help guide the lower level Underwriters
Familiarity with a variety of Underwriting concepts, practices, and procedures and the ability to creatively apply them
Ability to rely on experience and judgement to plan and accomplish goals
Proficient computer skills using various software packages including word-processing, spreadsheet, and electronic mail

Senior Underwriter Resume Examples & Samples

Support marketing goals by issuing life insurance coverage on a favorable and timely basis consistent with mortality objectives
Support profitability goals by assessing the expected mortality/morbidity of individual life applicants, analyzing medical, non-medical, and financial information and classifying risk appropriately
If acting within a brokerage agency underwriting capacity, may need to negotiate offers for placement of policies with the appropriate carrier. This may include acting as a partner to sales managers and producers to arrive at the best solution for a proposed insured
College degree or equivalent experience and 4+ years of life underwriting experience
Knowledge of multi-life and other insurance arrangements, financial statements, and tax forms used in personal and/or business planning
Ability to use creativity in finding ways to facilitate sale of key cases or explain the company's position on adverse decisions
Maintain professional level of expertise recognized both within and outside the company
Present a strong leadership example
Ongoing progress towards FLMI, RHU and AALU designations and participation in CLU education courses
May need to become an associated person of Princor, which requires fingerprint and a full background check
FINRA registration may be required

Associate Senior Underwriter Resume Examples & Samples

Respond to inquiries from state and regional counsel, direct operations, independent agents, and customers (including attorneys and lending institutions, such as banks, savings and loans, and mortgage bankers, etc.) relating to National underwriting issues
Analyze transactions and provide guidance for resolving title problems
Review and approve high liability, extra-hazardous risk and reinsurance submissions
Draft commitment requirements, policy exceptions and affirmative insurance
Assist in developing, formulating and implementing company policies and guidelines relating to title insurance underwriting and related matters
Develop and oversee the form and content of Virtual Underwriter, including reviewing, writing and editing Bulletins and other submissions and changes to VU
Participate in the development of new products, policies, endorsements and forms
Develop and maintain a working knowledge of Stewart’s underwriting standards
Assist, as requested, National Claims Counsel and field customer service representatives in the initial review of and formulation of underwriting strategy regarding claims resolution
Prepare and participate in educational programs sponsored by Stewart Legal Services and/or other programs
Assist in the overall management of Stewart’s national underwriting system
Handle other matters as assigned by senior management
Preferable experience includes title insurance background and/or experience in real estate transactions
Skills in LexisNexis and internet legal research are helpful

Senior Underwriter Resume Examples & Samples

Participate in pre-sales calls to understand and determine the merchant business model and credit underwriting significance of key factors and the ability to think creatively while aligning to our credit policy and network risk
Conduct daily merchant underwriting to drive business growth and mitigate the merchant non-delivery credit risk
Build and operate a merchant portfolio risk management program and provide the related transparency to ensure the overall health of the portfolio
Work across enterprise and with various stakeholders in developing effective deal team engagement strategies, credit parameters, and client service delivery
Provide in-depth credit worthiness assessment (risk rating) and underwrite business credit card credit lines on business clients that are banked with SVB
Monitor both the credit card issuing and acquiring portfolios’ credit improvement /deterioration to take risk action proactively
Provide and monitor credit risk analysis reports on a daily, monthly and quarterly basis
Provide meaningful assessment and feedback on portfolio performance
Understand regulation impact on credit products and credit processes
Proactively improve credit risk reporting, credit policies and procedures
Maintain appropriate credit measurement and monitoring processes while developing new standards to streamline, scale, and optimize operational processes

Senior Underwriter Resume Examples & Samples

Reviews applications for insurance and assesses morbidity and mortality risks
Handles underwriting inquiries and appeals for those who have been declined or approved substandard
Assists in the development of underwriting policies and procedures as they pertain to Association and Affinity business

Senior Underwriter Resume Examples & Samples

Ability to effectively work in teams or individually
Generally work is self - directed and not prescribed
Works with less structured, more complex issues
Serves as a resource to others
Bachelor’s Degree in Math, Finance, Business or related degree or equivalent experience
3+ years of experience in underwriting or claims preferably in healthcare
Good working knowledge with computers

Senior Underwriter Resume Examples & Samples

Minimum of 5 years progressive experience working in group insurance environment and 3+ years of experience working in underwriting environment. Can be concurrent experience
Bachelor's degree or equivalent experience required. MBA preferred
Advanced knowledge of insurance concepts, underwriting, rating techniques and risk evaluation is required
The ability to work independently and manage multiple priorities under tight timeframes
Strong analytical and mathematical skills as well as the ability to recognize, research and resolve discrepancies then effectively communicate results and recommendations is required
In depth understanding of insurance concepts, and advanced understanding of rating techniques
Must have advanced interpersonal skills, including written and verbal communication
Knowledge of the Microsoft office suite of products (Access, Word and Excel), in depth understanding of underwriting technology and support systems

Senior Underwriter, Santa Fe Springs Resume Examples & Samples

Develop and execute account and/or book of business plans to ensure attainment of goals primarily on complex cases
Recommend and implement continuous quality improvement programs
Four (4) years of experience in rating, underwriting, marketplace evaluations, and/or financial analysis in a managed care environment
Experience in Large Group Underwriting preferred

Remote Senior Underwriter Resume Examples & Samples

3 - 5 years of experience in underwriting long term care (LTC) insurance products including medical, non-medical and long term care risk selection
3 - 5 years of experience in underwriting of Life Insurance products
Microsoft Office (Outlook, Word, PowerPoint, Excel)

Commercial Bank Risk-senior Underwriter Government Resume Examples & Samples

Taking complete ownership of your GHHN portfolio, acting with a sense of urgency, doing what it takes to effectively get the job done
Independently and confidently driving the credit process both within the Bank and externally by organizing deal team meetings, leading conversations and presenting and negotiating credit terms with clients and prospects
Structuring transactions by being open minded and creative and thinking from the standpoint of "how can we do this deal" while balancing the risk/reward rather than concluding immediately that the deal cannot be done. Additionally, you will provide ideas/suggestions on how to market our structure to the client
Working in partnership with the Bankers to develop fulsome client relationships and being looked to as the "go to" person when the Bankers are out
Developing strong professional relationships with clients; engaging them in robust discussions about their financial performance and market events affecting their businesses
Working proactively, in a constructive, diplomatic manner with both internal and external contacts to keep transactions moving
Demonstrating the ability and courage to voice your opinion in a clear, concise manner; articulating the reasons for your decisions to the Bankers, Management and clients
BA/ BBA/ MBA and completion of a major corporate bank credit training program (or the equivalent corporate banking/ municipal finance experience) and typically minimum of 8 years in banking/ lending experience which might include credit, deal structuring and marketing
Significant accounting and finance knowledge, and commercial banking experience
Demonstrated excellent verbal and written communication skills, interpersonal skills, and analytical and problem solving skills

Commercial Bank Risk-senior Underwriter Resume Examples & Samples

Structure transactions by being open minded and creative while balancing the risk with the potential revenue opportunity
Demonstrate excellent communication skills both internally and externally and use those communication skills to effectively solve problems and keep the deal process moving
The ability and courage to voice your opinion in a clear, concise manner and to defend that position with team members and members of management
Direct client contact and contact with financial advisors via phone and in person as it relates to due diligence, information gathering, and attending pre-closings when warranted
Bachelor’s Degree in a business related field with a minimum of 5 years of banking and/or credit experience which typically includes completion of a major commercial bank credit training program and experience that includes credit analysis and deal structuring
Prefer someone with experience in the Government finance and/or tax-exempt finance sectors
Significant finance and accounting knowledge

Commercial Bank Risk-senior Underwriter Irvine Resume Examples & Samples

Thorough understanding of commercial real estate property valuation techniques including discounted cash flow analysis
Standards, practices, methodologies, and regulatory requirements relative to the finance/accounting disciplines
Express ideas and convey technical information in an articulate manner. Strong written and oral communication required
Produce a traditional narrative analysis of the credit attributes of the proposed loan, focusing on the cash flow and value of the collateral, and market dynamics
Be conversant with the JPMC policies, standards, procedures, and regulations applicable to the assigned work unit in a timely manner
Minimum requirements of 7 + years experience in commercial real estate lending, underwriting and or loan workouts

Commercial Bank Risk-senior Underwriter Resume Examples & Samples

Market research tools for commercial real estate including multifamily, industrial, retail and office property
Understand, analyze and interpret financial data to identify trends and inconsistencies
Thorough understanding of risk impact and consequence of errors in formulating decisions
Completion of formal credit training program

Senior Underwriter, Private Banking Resume Examples & Samples

Spreads, researches, and analyzes pertinent financial statements and tax returns related to personal, commercial, and real estate entities. Evaluates an entity’s stability, aptitude of management, and creditworthiness where appropriate. Prepares and presents written credit memoranda for credit approval
Compiles all necessary client prepared information and completes client financial statement spreadsheets and projections of client's financial condition
5 years in commercial, or commercial real estate financial analysis .Completion of formal bank credit training program. Knowledge of finance and accounting usually acquired through formal education or experience is required to analyze and evaluate financial statements and tax returns. Knowledge of applicable industry laws and regulations, usually acquired through prior experience is required to review credit risk. Excellent analytical and communication skills are required to determine credit risk and to prepare credit presentations. Strong Excel skills are required to prepare financial spreadsheets as well as Microsoft Office and Power Point

Senior Underwriter / Underwriting Consultant Resume Examples & Samples

Analyzes data related to the risk being underwritten in order to determine what benefits, if any, can be offered and at what rates
Communicates with brokers, agencies, and/or other sources concerning underwriting decisions and procedures
Provides input in regards to Underwriting guideline changes compliant with regulatory requirements, corporate guidelines and department processes
5+ years of Long Term Care Underwriting experience
Strong mathematical aptitude
Strong relationship building with internal and external business partners
Possess excellent communication and customer service skills

Commercial Bank Risk-senior Underwriter Government Resume Examples & Samples

· Structure transactions by being open minded and creative while balancing the risk with the potential revenue opportunity
Independently manage the closing process for mandated credit transactions to include review of legal documentation, working with internal loan closing personnel and external parties including financial advisors and external counsel to facilitate efficient and on time loan closings
Voice your opinion in a clear, concise manner and to defend that position with team members and members of management

Senior Underwriter Resume Examples & Samples

Ensure compliance with appropriate company and Agency/Investor/FHA/VA guidelines
Perform second level review on loans recommended for denial. Evaluate the application to determine if there are any other products or alternative terms available before issuance of denial
Perform Second Level One up Reviews on those loans recommended for approval above someone’s lending authority
DE, SAR and LAPP certifications ; experience with USDA is a plus
Proven knowledge of Mortgage Insurance Guidelines and rates

Mortgage Senior Underwriter Resume Examples & Samples

Review transmittal & 1003 to make sure it is accurate and complete and matches the final AUS findings
Review file to make sure state regulatory guidelines have been met and federal (patriot act)
Calculate net tangible benefit for those states that require this test
Verify that the rate lock matches the underwriting file with the correct program, LTV, credit score and pre-payment penalty
Assists in the training of Key Bank Mortgage employees as needed
Perform other related duties as assigned
Demonstrate exceptional service philosophy in all interactions with internal peers and partners
Ability to work in a fast paced, fluid environment and be held to meet minimum production standards
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Senior Underwriter Resume Examples & Samples

Adherence to all GE Capital International and WCS risk policies (Policy 5.0 and Factoring Standards) and proactive involvement in ongoing development and refinement of such policies
Achievement of key allocated portfolio and personal measurement objectives, to include areas such as bad debt loss levels, number of expired credit lines, risk policy breaches and timekeeping
Accurate maintenance of all debtor and client records within Factorlink- the main risk operating system used by WCS
Researching of data to underwrite credit lines in respect of existing and prospective business customers of internal GE clients across a wide range of countries within Europe, Middle East and Africa (EMEA) and the Asia Pacific region (APAC)
Appraisal of proposed transactions and preparation of credit line investment pitches for senior credit risk executives
Periodic review of larger corporate group and country exposures in association with other underwriters within the global WCS underwriting team
Leadership of new client portfolio integration and assessment exercises involving the internal clients serviced by the team
Production of risk portfolio metrics to assist in risk modeling and team workflow forecasting exercises
Leadership as required of allocated staff within the local risk underwriting team to assist in the overall development and growth of the team, plus involvement in recruitment of new risk staff
Deputizing as required for the Underwriting Team Leader in general team management, client communications or in senior risk leadership discussions
Support for initiatives within the risk function overall to deliver profitable, sustained growth within acceptable risk parameters
University degree in business, finance or economics related subjects or proven years of equivalent/directly related demonstrable corporate risk management experience or equivalent knowledge and experience
Proven underwriting knowledge - detailed understanding of financial analysis and other factors influencing corporate risk
Country and business sector analysis experience, possessing high level understanding of economic and political factors influencing corporate and non-corporate institutions
Proven analytical, problem solving and process-oriented skills
Ability to work independently and take high value investment decisions on own initiative, whilst also being able to embrace a strong team-working ethos in respect of wider risk matters
Evidence of robust team working, motivational & coaching skills
Strong verbal and written communication skills, with a good understanding and experience of Microsoft Office applications, encompassing Outlook, Word, Excel and Powerpoint
Ability to work in intense, highly time critical environment, with occasional need to travel to European countries to undertake client/debtor visits or to attend training/ team events
General understanding of EMEA and APAC healthcare market

Mortgage Operations, Senior Underwriter Resume Examples & Samples

Knowledge Undergraduate degree or equivalent work experience as a first mortgage underwriter, i.e. 10+ years of previous first mortgage underwriting experience Minimum of 10 years in underwriting first mortgage transactions
Expert knowledge of real estate lending products, regulatory compliance and secondary market guidelines (FNMA/FHLMC).In-depth knowledge of competitive market place and trends in product offerings
Strong comprehension of HUD Handbook 4155.1 and 4155.2In-depth pipeline management required
This position requires Credit Qualification
The incumbent must possess an In-depth level of Credit knowledge and skills and a Working level of Portfolio Management knowledge and skills according to the standards established within the Credit Qualification Process Policies and Procedures
Underwrite and disposition first mortgage loans transactions (65%) Analyze and resolve routine/complex operational problems (20%) D. Risk Management (15%) Underwrite and disposition first mortgage loans transactions
Accurately decision loans Ability to assess an individuals creditworthiness while adhering to all regulatory and compliance requirements
Communicate underwriting decisions with the internal staff and address their questions and/or concern
Aid in ensuring underwriting decisions are issued in accordance to BMO Harris Bank policies. As needed, participate and act as a subject matter expert on special projects
This position requires Credit Qualification. The incumbent must possess an In-depth level of Credit knowledge and skills and a Working level of Portfolio Management knowledge and skills according to the standards established within the Credit Qualification Process Policies and Procedures
Underwrite and disposition first mortgage loans transactions (65%)Analyze and resolve routine/complex operational problems (20%) D. Risk Management (15%) Underwrite and disposition first mortgage loans transactions
Credit / Lending - This job has the credit authority to exercise lending limits to approve quality loan requests that exceed subordinates discretionary limits.$1,000,000 lending authority Level 1, 2, and 3 transactions Information Access
This position has authority to access and utilize customer and financial information
The Underwriter I will need to maintain a working relationship with numerous internal department and external vendor contacts, which are detailed below
Internal: Mortgage Operations Staff and Managers (Sales, Processing, Underwriting, Closing)Secondary Markets Unit (SMU)Retail Lending Product Management
External: Mortgage Insurance Vendors Individual who works in the vendors Underwriting Department

Mortgage Operations Senior Underwriter Resume Examples & Samples

Undergraduate degree or equivalent work experience as a first mortgage underwriter, i.e. 10+ years of previous first mortgage underwriting experience Minimum of 10 years in underwriting first mortgage transactions
Computer literate and strong familiarity with credit financial analysis techniquesExperience with web based approval systems (DU/LP) required
Maintain expert knowledge of all bank loan programs (saleable and portfolio) Keep up knowledge of all regulatory standards and industry trends
Document loan exceptions in accordance with bank policies and procedures
Communicate underwriting decisions with the internal staff and address their questions and/or concerns
Analyze and resolve routine/complex operational problems
As needed, participate and act as a subject matter expert on special projects
Risk Management Acts in full compliance with all Bank policies, directives/procedures and external regulations to protect the Banks assets
Identifies risks associated with mortgage loan files, escalating issues to manager. Adheres to all Service Level Agreements and performance guidelines. Ensures all necessary documentation is completed for all transactions. Handles all customer information with highest level of confidentiality and security. Project a professional and consistent image by adhering to organizations brand, corporate identity and standards at all times
Credit / Lending - This job has the credit authority to exercise lending limits to approve quality loan requests that exceed subordinates discretionary limits.$1,000,000 lending authority Level 1, 2, and 3 transactions Information Access. This position has authority to access and utilize customer and financial information
Internal:Mortgage Operations Staff and Managers (Sales, Processing, Underwriting, Closing)Secondary Markets Unit (SMU)Retail Lending Product Management
External:Mortgage Insurance Vendors Individual who works in the vendors Underwriting Department

Government Lending Operations Senior Underwriter Resume Examples & Samples

In-depth knowledge of competitive market place and trends in product offerings
Underwrite and disposition first mortgage loans transactions
(65%)Analyze and resolve routine/complex operational problems
(20%) Risk Management
(15%) Underwrite and disposition first mortgage loans transactions
Ensure adequate pricing and loan concession have been applied to a particular transaction
Second sign transactions initially reviewed by a junior level Underwriter
Document loan exceptions in accordance with bank policies and procedures. Communicate underwriting decisions with the internal staff and address their questions and/or concerns. Analyze and resolve routine/complex operational problems
Advise Manager of potential process inefficiencies
Aid in ensuring underwriting decisions are issued in accordance to BMO Harris Bank policies
The Sr. Underwriter I, Government Lending will need to maintain a working relationship with numerous internal department and external vendor contacts, which are detailed below
Internal:Mortgage Operations Staff and Managers (Sales, Processing, Underwriting, Closing)Secondary Markets Unit (SMU)Consumer Lending Product Management

Senior Underwriter Resume Examples & Samples

Administer, collate, negotiate and review Policy documentation
Liaison with insurance and reinsurance brokers as required
Assist with underwriting decisions in conjunction with Account Executives, including Renewals and New Business
Demonstrate strong relationship, consulting and negotiation skills
Captive insurance experience would be preferable but not essential
Demonstrable evidence in your work history of excellent service provision
Excellent verbal and written communication skills and the ability to think laterally
Computer efficiency (Word, Excel, Powerpoint, etc.) essential

Senior Underwriter, Commercial Real Estate Resume Examples & Samples

All references to management of accounts and approval of transactions do not apply to Business Credit as these functions are performed by their Portfolio Management Group
2+ years’ experience in banking/lending or other credit intensive experience
Use of Argus, a plus
BA/BBA/MBA and completion of a major corporate bank credit training program (or the equivalent corporate banking/corporate finance experience)

Senior Underwriter CLC Resume Examples & Samples

Adhere to First Niagara operating procedures and credit guidelines
Analyze information received from credit applications and credit reporting agencies
Execute prudent credit decisions
Identify and approve exceptions to internal credit policy when necessary
Establish a strong working relationship with our dealer customers by building rapport through telephone calls
Conduct periodic field visits to our dealer base
Monitor dealer statistics and work with our sales team to increase productivity
Work with our operations department to review and resolve problems related to the funding process of specific applications
Assist our collection team in providing a resolution for problematic accounts
Bachelor’s Degree in Finance or related field preferred
Minimum 5 years indirect lending experience required
Capacity to work in a high volume fast paced work environment
Basic computer skills necessary
Must be willing to work a flexible schedule including nights and weekends

Mortgage Operations, Senior Underwriter Resume Examples & Samples

A high level of curiosity, comfort with ambiguity and ability to balance risk and opportunity
Detail-oriented and highly organized
Ability to prioritize and multi-task including extensive pipeline management
Team Player but also able to work independently
Comfortable working in a fast paced environment
Preferably 2+ years similar experience within the financial sector, or similar industry
Strong and current knowledge of real estate lending products, regulatory compliance and secondary market guidelines (FNMA/FHLMC)

Retail Business Banking Senior Underwriter Resume Examples & Samples

Minimum of eight years proven, progressive and broad-based commercial lending, credit and portfolio management experience or equivalent
Bachelors degree in business, finance, related field or equivalent experience. Bachelor’s degree in business, finance, related field or equivalent experience
Experience with CARM and Provenier
Strong communications, negotiations, analytical, planning, organizational, problem-solving, lateral thinking, decision-making and interpersonal skills
Ability to manage multiple and changing priorities with tact, diplomacy and confidentiality
Proficiency with personal computers as well as pertinent mainframe systems and software packages

Senior Underwriter Resume Examples & Samples

Handle new business, renewal, rating and adjustment enquiries generated from the allocated client portfolio in accordance with the companies laid down service standards, referring as required to Insurers
Have an unwavering appetite for contacting coverholders to measure their progress against agreed underwriting parameters
Build and maintain relationships with insurers, coverholders and brokers, including reactive and pro-active visits
Develop operational and strategic plans, assessing trends, opportunities and requirements (governance, operational and technical)
Provide management input to changes, renewal of delegated underwriting authority agreements (DUAs) or implementation of new DUAs from an underwriting perspective
Take ownership for scheme management, reporting monthly on scheme performance against budget/plan and making recommendations, liaising with Insurers, produce required MI to Insurers within agreed timescales, preparing for and attending Insurer review meetings as required and action any requirements
Liaise with Sales, Marketing & Product Development team regarding new products and ensure underwriting support in place for new products. Be involved in training for underwriting staff for new products as required
Actively participate in, and lead when required, internal company meetings, providing updated statistics required for monthly branch meetings
Ensure all employees within the team are trained and motivated to perform as effectively as possible encouraging succession throughout the team, including coaching staff personally where required
Updating internal and external coverholder, process guidelines to ensure they mirror insurer guidelines, requirements and binding authority
Operate within the confines of the agreed personal delegated underwriting authority as defined
Maintain a renewal retention in accordance with personal & team KPIs
Utilise company preferred insurance pool
Liaise with Insurers, attending Insurer meetings as required
Chartered Insurance Institute qualification desirable: Cert CII/ Dip CII or equivalent or working towards
Understand the risk exposure and able to determine the acceptance criteria and risk classifications for risks in a range of complex or unfamiliar situations
Good knowledge of general insurance and underlying legal principles and practices, especially London Market / Lloyd’s and Industry databases e.g. MID (Motor Insurance Database)
Good understanding of the methods of rating as applied to the nature of the business including the principal of claims triangulations
Ability to extract and piece together required learning from a range of different opportunities and sources
Knowledge of the limitations of the company’s delegated authority and claims handling agreement
Excellent communication skills with colleagues during account cycles
Obtain, interpret and analyse relevant data, and reach conclusions in a range of complex and/or unfamiliar situations
Utilise policy terms and conditions when determining underwriting criteria to minimise risk to the organisation in own business area
Accountability of managing risk, and safe-guards own role remit
Good level of numeracy and literacy and financial management skills
Good interpersonal skills, including listening, verbal and written communication skills
Good presentation skills with experience interacting and presenting to colleagues and clients
Good level of numeracy and literacy
Analytical problem solving approach
Ability to assist to changing needs
Takes ownership and accountability
MS office and other relevant IT systems proficiency

Senior Underwriter, Casualty Resume Examples & Samples

Develop and maintain relationships with distributors in support of business retention and acquisition
Work with customers and distributors to determine their insurance related needs and provide solutions
Contribute to the development of propositions
Apply The Zurich Way of Underwriting elements for new business & renewals, completing assignments of high complexity and working within delegated authority
Bachelors’ degree or equivalent with proven current knowledge of product and industry, as demonstrated in involvement in trade and industry
At least 4 years or above relevant working experience in underwriting Property and Casualty lines
Typically holds or is working towards relevant professional designation
Demonstrates technical knowledge and skills reflective of a seasoned practitioner who has progressed within underwriting positions of increasing responsibility
Candidate with less experience will be considered as Assistant Underwriting Manager

Senior Underwriter Resume Examples & Samples

5+ years of Underwriting or Brokerage experience or Commercial Experience within Excess Casualty lines of business
Knowledge of underwriting philosophy, techniques, national/local filing regulations and guidelines
Advanced knowledge and practice of Excess Casualty, Construction and Umbrella lines business
Strong knowledge of underwriting philosophy, techniques, national/local filing regulations and guidelines
PC and related software skills

Middle Market Senior Underwriter Resume Examples & Samples

Analyzes commercial lines middle market accounts to make decisions based on individual risk characteristics, exposure analysis, hazard recognition and control. Utilizes middle market underwriting guidelines and Company best practices to ensure compliance with state regulations. Within delegated authority levels and continuous process improvement work principles, accepts, rejects or modifies new and/or renewal business to ensure a profitable book of business
Prices business according to Company middle market underwriting and pricing guidelines. Assists less experienced middle market underwriters in the handling of high hazard or more complex accounts. Ability to use creativity and underwriting knowledge to write risks and retain business
Trains, coaches, and serves as a technical resource to other underwriters. Provides mentorship that encourages individuals and the team to improve and accelerate performance
Promotes the Company's products and services by actively seeking opportunities to speak to agent or insurance-related groups, and by networking within the insurance community to stay abreast of changes within the industry
Actively participates in problem solving activities to define problems, assess current state root causes, design and test solutions, implement solutions, and sustain and continuously improve to permanently eliminate problems
Actively participates in continuous improvement by fully engaging in daily huddles, generating suggestions, following appropriate procedures and continuous process improvement work principles, participating in problem solving activities, and utilizing continuous improvement tools to support the work of the team
Success driven individual who has demonstrated 5-10 years of success in a commercial middle market underwriting role
Hard work, honesty, integrity and unwavering business ethics

Senior Underwriter Resume Examples & Samples

5 or more years of Construction Underwriting experience and/or construction experience such as construction project management, construction consulting etc
Knowledge of processing methods and workflow procedures, and basic knowledge of insurance underwriting and regulations for assigned territories
Existing broker relationships in the New York territory
Experience using Word, Excel and PowerPoint
Travel up to 40% in East Coast Region
Strong negotiation skills and ability to assess risk effectively
Ability to multi-task and function in a team environment
CPCU or other insurance designation

Senior Underwriter, Excess Casualty, Atlanta Resume Examples & Samples

5+ years of Excess Casualty Underwriting or Brokerage experience within the Commercial Insurance industry
Ability to travel throughout the Southeast territory
Advanced knowledge and practice of Umbrella/Casualty lines business

Senior Underwriter Resume Examples & Samples

Develops and maintains relationships with distributors (agents & brokers) in support of business retention and acquisition and works with customers and distributors (agents & brokers) to determine their insurance related needs and provide solutions
Five or more years of Construction Property underwriting experience
Existing broker relationships in the West Region
Experience with line/s of business and legal and regulatory guidelines
Travel up to 40% in the Seattle territory
Loss Sensitive experience strongly desired

Financial Lines Management Liability Senior Underwriter Resume Examples & Samples

Lead the go to market approach for the Global Corporate Switzerland Management Liability book
Underwrite and grow the Management Liability book in both domestic and international programs
Establish and expand broker relationships
Negotiate complex deals and terms
Represent Global Corporate Financial Lines at broker and customer meetings, also at C-level (focus on Management Liability accounts)
Act as referral point and trainer for Management Liability underwriters
Manage end-to-end processing of the accounts
Drive product development projects
Represent GC Switzerland for Financial Lines Management Liability in the EMEA wide Specific Matter Experts groups
Proven track record of several years in Financial Lines underwriting
Experience in developing and refreshing Management Liability products/wordings
Strong analytical skills to assess risk inherent exposures
Strong understanding of the business model and underlying risks of the insureds
Ability to deliver a high quality job performance constantly and work under pressure in a tight deadline-driven environment
Customer-oriented attitude to ensure first class service to our customers and brokers
Capability to work in a fast-paced and multi-tasking environment while maintaining underwriting integrity
Strong verbal and written communication skills including advanced negotiation and presentation abilities
Team player who enjoys sharing knowledge with his/her colleagues
Ability to work self-driven
Fluent German and English; French is a strong advantage

Senior Underwriter Resume Examples & Samples

Establishes and maintains relationships with the E&S brokerage community to facilitate marketing of LIU products and services
Underwrites targeted new and renewal business of by reviewing and analyzing insured's (or prospective insured's) loss history, financials, environmental documents and other pertinent information at the direction of the manager
Makes independent marketing calls to brokers and from time to time with prospective insureds
Communicates with other product line underwriters and claims analysts in order to provide comprehensive customer service and enhance cross-marketing efforts across product lines
Bachelor's degree or advanced degree; 3-5 years E&S underwriting experience
Strong negotiation, analytical, and decision making skills are also required
Environmental consulting/underwriting experience preferred, but not required

Underwriter / Senior Underwriter Resume Examples & Samples

Performs risk evaluation on more complex group life, disability and accident and health cases using an end to end system. Utilizes underwriting guidelines, industry and occupational classifications, financial statements, manual rating, and experience information. Determines needed premium level based on experience and manual rates, plan design, services, and competitive information in accordance with stated department guidelines
Risk analysis, decision making and communication reflects a solid understanding of basic underwriting principles. Demonstrates a high degree of knowledge regarding underwriting quantitative and qualitative tools and is able to communicate these clearly and with confidence to others
Thoroughly and independently researches all problems and risk related issues. Exercises initiative in problem solving and involves management in decision making as necessary
Makes appropriate decisions to ensure growth, profitability and customer retention objectives are met. Negotiates appeals on rate and plan provisions
Works closely with internal partners, including Underwriting, Benefit Sales, Claims, Billing and Distribution. Also interacts with consultants and brokers as necessary
Handles high volume of prospective cases in addition to growing renewal block while adhering to quality and timeliness standards
Operates in a test and learn environment. Makes recommendations on system and process improvements, and readily adapts to and supports change. Works collaboratively within team and acts as mentor to new members of the team
2 to 4 years increasingly responsible work experience
Strong mathematical and organizational skills
Solid technical proficiency
Excellent written and oral communications skills

100

Senior Underwriter National Accounts Resume Examples & Samples

Responsible for the overall management of Group Life & Disability underwriting (5,000 or more lives) for National Accounts. Includes all pre and post sale underwriting, profit management, renewal processing, policy issue and changes for assigned business segment
Quotes new business opportunities for Core products and underwrites renewals
Look to leverage additional resources around key cases in order to facilitate better risk management, stimulate innovative thinking, provide creative solutions and potentially different perspectives
Bachelor's degree required, Business degree preferred
Minimum of 5+ years of Group Benefits Underwriting preferred
Strong financial acumen
Excellent presentation abilities
Integrity and Inspires trust
Bottom line accountability

101

Senior Underwriter Resume Examples & Samples

Review submissions to determine acceptability of risk in accordance with underwriting guidelines and casualty brokerage risk appetite
Prioritize and manage inventory of new business opportunities, renewal business, and in-force policy endorsement and service requests
Understand pricing components and rating methodology to price business based on risk characteristics, financial review and competitive analysis
Demonstrate technical underwriting skills through strategic account review and detailed file pricing and risk documentation
Communicate underwriting decisions and risk appetite to the brokerage community
Manage assigned producer relationships to achieve gross written premium, profitability, rate, retention, product mix and new business production goals
Develop and maintain producer relationships through targeted travel to build broker intelligence and drive performance to meet and exceed results
Follow broker specific production plans, monitors performance, and suggests adjustments to plan to ensure profitable growth
5+ years of commercial lines underwriting experience in the insurance industry
3+ years of E&S primary General Liability experience. Excess experience desirable
Proficient in risk selection and pricing to achieve an underwriting profit
Proven exceptional marketing skill and dynamic relationship building ability
Existing wholesale broker relationships preferred
Ability to thoroughly analyze financial statements for acceptability standards
Knowledge of rates, rules, and forms for assigned product line
Competent in use of technology as a tool to help improve underwriting efficiencies
Ability to function in a highly collaborative, team environment
Four year college degree preferred. Business degree a plus

102

Senior Underwriter Resume Examples & Samples

Provide general underwriting support for Account Consultants and Sales team
Represent and negotiate rates and plan options with insurers for and on behalf of clients to secure optimal, cost-competitive benefit plans
Prepare plan design and financial analysis for existing and prospective customers
Build and maintain models to assist in the economic analysis of market alternatives
Evaluate, determine and recommend alternative coverage and pricing options, and plan design changes based on economic analysis of available plan elements vis-à-vis client circumstances and goals
Develop quarterly experience reports for existing clients
Collaborate with Account Management team to develop RFPs and on presentations to clients concerning technical rating matters
Establish and maintain quality service standards assuring timely service to Trion team
Remain abreast of the dynamic, competitive insurance environment, new and complex insurance projects, appropriate underwriting techniques and constantly changing legislation that governs business
Bachelor’s Degree in Risk Management & Insurance, Actuary, Mathematics and/or other related field is required
Minimum of 3 years Underwriting experience in a Benefits Brokerage, Consulting or Insurance industry required
Intermediate to advanced working knowledge of MS Excel is preferred (i.e. ability to perform pivot tables)
Intermediate to advanced working knowledge of MS PowerPoint is preferred
Strong organizational, analytical skills and strong attention to detail
Must have strong negotiation and persuasion skills
Ability to work well independently and as a team member
Ability to multitask and successfully operate in a fast-paced work environment
Ability to prioritize projects and meet deadlines
Proficiency in Microsoft Office Suite, including MS Word (intermediate), Excel (intermediate) and Access (entry)
Aptitude for learning internal systems, applications and internal work flow of the department
Must be able to effectively interact and deal with people at all levels inside and outside of the company

103

Senior Underwriter Resume Examples & Samples

Works with credit/underwriting team in Residential Loan Operations to analyze and make credit decisions on single family residential mortgage loan programs. Provides technical support to staff to ensure timely decisions and that proper underwriting procedures are applied
Analyzes and modifies loan information using investor automated underwriting systems for all loan programs offered by Bank of Hawaii
Communicates with retail/wholesale staff and branches to make underwriting and processing recommendations and/or answer questions regarding loan policies and procedures. Communicates effectively, courteously and proactively with internal customers, which includes, however, is not limited to, other Processors, Support Processors, Loan Officers, Underwriters and other division employees, including Management, and external customers, maintaining quality of service standards as determined by Management. This includes maintaining a positive attitude. Provides technical assistance and review of work for peer staff members
Gathers and analyzes information received from appraisal reports, credit reports, financial statements and other required loan documents. Generates approval letters to borrowers and assists in packaging of loans for sale
Serves as the contact person and coordinator for government loans accepted under Federal Housing Administration (FHA) and Veteran’s Administration (VA) guidelines for the bank. Assures that submissions in this portfolio are in compliance with government regulations and delivery requirements. Maintains records and policy regarding this product line and prepares Housing and Urban Development (HUD) documents as required to maintain accreditation of Bank of Hawaii. Maintains personal designation for FHA and VA underwriting and assists others in maintaining designations. Assists in overseeing staff compliance to policies and procedures
Keeps up to date on changes in programs and assists in the training and development required to deliver loans according to program parameters. Provides training and guidance to Underwriters I and II. Works with management to develop plan for achieving established career objectives for staff
Inputs, accesses and retrieves information on the mortgage loan processing system. Assists in coordinating the workflow from credit into the processing department and through closing to ensure effective and efficient resale of loans

104

Senior Underwriter Resume Examples & Samples

5 years underwriting experience
Past programs and results
Use of complex and sophisticated pricing/coverage programs

105

Large Group Senior Underwriter Resume Examples & Samples

Provides underwriting support for new business and/or renewals, accountings and/or specialized functions
Produces timely and accurate quotes, proposals, renewals and/or accountings. Analyzes input/outputs for reasonability (e.g., manual rates, benefit revisions, recorded claims, premiums, reserves, ECS charges, account structure, etc.)
Performs risk assessment functions as directed (e.g., claim determination and membership analysis) to set appropriate premium
Utilizes rating/financial tools, reference materials, prior carriers data and source systems for premium, membership and claim information
Applies underwriting guidelines in qualifying risk of adding new members
Requests additional information as necessary and explains needs
Maintains integrity of source data and/or accounting data systems. Identifies and collects information critical to decision making
1-3 years experience in underwriting pricing methodologies and funding arrangements
Knowledge of rating and/or accounting and underwriting concepts in the medical arena is preferred
Demonstrated analytical and independent thinking skills
Ability to use standard corporate software packages and corporate applications
Strong communication, critical thinking, analytical and decision-making skills
Proficient in Microsoft Excel, Word, PowerPoint

106

Senior Underwriter Resume Examples & Samples

Minimum of 3 - 5 years of group voluntary underwriting experience preferred
Proven ability to build strong cross-functional relationships with sales force and other internal organizations
Proven ability to facilitate and negotiate using tact and diplomacy

107

Senior Underwriter Resume Examples & Samples

Manages the credit and compliance aspects of whole loan purchase transactions
Reviews third-party due diligence results and forms opinion on acceptability of credit requests for bulk and forward flow purchase transactions
Supports forward and pool bulk acquisition efforts: interprets guidelines for third-party vendors, counterparties and mortgage portfolio team
Communicates findings to sellers for forward and bulk transactions and manages rebuttal process
Prepares presentation of recommended acceptable for Committee approval
Reviews and evaluates scenario requests for jumbo and portfolio loans from external sellers and internal originations
Reviews an evaluates loan request for Cooperatives and Super Jumbo loans
Reviews and evaluates loan file information on jumbo loan application documents to determine compliance to program/guideline requirements and acceptability to the Bank
Underwrites internal loan requests for loan amounts greater than $1,000,000 and prepares approval request to be executed by the proper level of authority
Analyzes and organizes department operations and procedures
Supervises activities involving implementation of department services and functions where goals and objectives are established and accomplished within prescribed time frame parameters
Develops or revises standard operational and working practices and observes and encourage associates to ensure compliance with standards
Assists in training junior Underwriters to improve efficiency and ensure conformance to standard procedures and practices, if applicable
Works with customers internally and externally to ensure quality service
Confers and cooperates with appropriate personal to ensure coordination of activities
Researches and develops resources that create timely and efficient workflow
Reviews files for “second look” on denied and ineligible loans for internal originations
Updates guidelines and programs on an ongoing basis to ensure all personnel understand the requirements associated with the government programs and proprietary programs
Devises procedures and practices for accomplishing goals and objectives and implements improved procedures and practices

108

Senior Underwriter Resume Examples & Samples

Utilizing authority to underwrite and price business for the following lines of coverage: Workers Compensation, Commercial General Liability, and Commercial Auto liability, while adhering to divisional underwriting guidelines
Working collaboratively with home office, marketing & distribution, actuary, claims, loss control, premium audit, and legal in an effort to develop and maintain a profitable portfolio of risk management insurance placements
Establishing and maintaining broker relationships in the central region, with a concentration on large account primary casualty business
Assisting in the continued development of the Central Region’s Risk Management Casualty team
College degree preferred, with a minimum of 6 years of experience underwriting Casualty insurance
Should have significant experience and expertise in working with a broad array of risk management program structures – everything from guaranteed cost to large deductibles, fronting arrangements, and captives
Existing relationships with Midwest brokers handling risk management sized business and/or direct client relationships strongly preferred
Possess strong presentation, communication, and business development skills

109

Senior Underwriter Resume Examples & Samples

Establish and communicate underwriting profit goals and other measurements including loss ratio, new business development, policy count, account retention, etc
Provide leadership and advice to staff in regard to underwriting risks
Partner with the Vice President to develop strategies and actions to resolve adverse trends or deviations from established underwriting standards identified through producer and account review audits
Participate in the recruitment and selection process to ensure the organization has the necessary talent to accomplish business goals
Cultivate and maintain relationships within and outside Everest Insurance to develop and drive new business plans, value propositions and cross-marketing programs
Collaborate with internal and external business units to develop joint business plans, value propositions and cross-marketing programs
Act as a role model demonstrating belief in, and commitment to, continuing to build and lead a value-based organization committed to long-term success
10+ years of industry experience underwriting in the Inland Marine arena
Leadership capabilities with a sound influence in dealing with challenging situations
Previous insurance educational work, IIA and CPCU designation strongly preferred
Sales-minded with the ability to significantly contribution to underwriting profits, and continually seek opportunities for niche products and potential agent opportunities
Demonstrates knowledge of the Inland Marine external market and contributes to the development of business strategy
Proven employee development, mentoring, coaching and performance management skills
Strong external focus with distribution channel
Proficient in the use of computer programs, including Word, Excel and Outlook

110

Senior Underwriter / Director Resume Examples & Samples

Analyze individual risks and book of business results to manage and control underwriting exposure and pricing strategy consistent with company objectives
Conduct Development Reviews and engage direct reports in developmental and skill building opportunities
Represent the company at networking functions and other industry-related events that present and promote departmental initiatives to other external constituencies as appropriate
8+ year’s industry experience Underwriting in the Inland Marine arena
Inland Marine industry knowledge a must
Strong ability to partner with internal and external clients
Sales minded with the ability to significantly contribution to underwriting profits, and continually seek opportunities for niche products and potential agent opportunities
Effective oral and written communication, including influence and negotiation skills
Experience in delivering presentations to all internal and external audiences

111

Asset Based Lending Senior Underwriter Resume Examples & Samples

10+ years of experience and exhibited competency in financial analysis and credit structuring, understanding and applying credit policy, and credit monitoring and risk administration practices. Bachelors Degree required
Candidate must have a minimum of seven (7) years of Asset-Based Lending experience with a regional or national Asset-Based Lender
Expected to have highly advanced level of credit experience, documentation experience in proposing and negotiating, both internally and externally, credit and covenant structures and documenting loans
Must demonstrate superior practical and conceptual knowledge of credit and risk analysis
Highly skilled in financial modeling and able to quickly structure credit in modeling environment. Able to advise Originators and RMs on how to structure the credit relationship
Displays deep understanding of capital structures, with clear knowledge of the difference between senior and other layers of debt
In depth knowledge of loan and related legal documents
Actively participates in group meetings with prospects and customers up to the most senior level, RMs, Team Leaders and credit and product partners
Highly developed communication skills; and ability to influences others by persuasively presenting thoughts and ideas to gain commitment and agreement for proposed ideas and solutions
Word, Excel, Power Point, spread sheet modeling, and presentation development and delivery skills. Advanced knowledge of different financial modeling systems and ability to coach others on use of internal systems that may include AFS, CoBRA, ORA, FACT, and MFA

112

Senior Underwriter Resume Examples & Samples

Reviews and analyzes submissions for Professional Liability coverages such as Architects & Engineers, Land Surveyors and Landscape Architects
Assesses exposure and determines rates, terms and conditions of coverage in accordance with guidelines and uses judgment underwriting to evaluate a risk
Develops or modifies policy wording when standard text is not appropriate
Binds coverage and initiates issuance of documents
Services current accounts
Provides advice and expertise to other underwriters on underwriting issues
Assists in special projects in conjunction with marketing and business plans
5-10 years of insurance related experience
E&O Insurance Experience a plus
Strong MS Office experience, ability to create PP presentations
Travel up to 20%
Multi-task & work in a fast paced environment
Ability to apply mathematical concepts to practical situations
Strong analytical and judgment skills; excellent problem solving ability
College degree, preferably in insurance or business administration

113

Senior Underwriter, Specialty Finance Resume Examples & Samples

Prepare concise approval packages for presentation to Specialty Finance Loan Committee
Identify, report and track any policy or guideline exceptions
Ensure proper risk rating assignment on all relationships
Initiate and oversee preparation of documents with outside counsel; close loans in accordance with approval
Complete accurate booking and funding sheets and Stucky set-up sheets to ensure proper set up of loans on Bancline and Stucky systems and accurate ticklers are established
Work with assigned Portfolio Manager to ensure a clear transition of account management and ensure all follow-up items are clearly communicated
Perform other job related duties or special projects as assigned
Excellent customer service skills with the ability to effectively communicate clear expectations, issues and status, and take strong action steps when required
Ability to interact and communicate effectively with various internal and external parties
Knowledge of Bank policies and procedures and regulatory requirements
Proficiency with Microsoft Office (Excel, Word, Outlook, SharePoint) and ability to navigate loan and bank software applications and related websites
Minimum of 15 years of lending and credit experience in the banking or specialty finance industry
With growth in the Specialty Finance Business Unit, this position may be expanded to encompass a Team Lead role assisting in the development of less experienced underwriters, credit analysts and documentation preparation personnel

114

Senior Underwriter Resume Examples & Samples

12+ years of progressive underwriting or other relevant experience
3+ years managing a team preferred
Strong knowledge of regulatory and firm risk policies
Strong product knowledge and expertise in financing approaches and techniques for equity or debt
Required Education: BA in Business, Accounting, Finance, Economics or any degree with relevant professional experience
Master's degree preferred
Completion of bank/finance company credit training program preferred
Excellent communication (verbal and written), interpersonal and organizational skills
Proven success in developing and mentoring talent
Highly analytical, detail oriented with problem solving capability
Technical: Computer literate, including: Word, Excel, Power Point and financial forecast models
High level of accountability

115

Senior Underwriter Resume Examples & Samples

Perform advanced underwriting, financial, and risk analysis support for internal sales teams and their respective consulting clients
Responsible for clients’ benefits marketing process, such as: data acquisition, request for proposal (RFP) preparation, vendor question resolution, proposal review and analysis, and client exhibit and presentation preparation
Perform the analysis and negotiation of rates and plan options with insurers on behalf of clients to secure optimal, cost-competitive benefit plans
Provide the definition of clients’ employee contribution modeling and strategies
Responsible for the evaluation, determination and recommendation of alternative coverage, pricing options, and plan design changes based on economic analysis of available plan elements related to client goals
Perform various reporting for plan change evaluations, budget and reserve calculations, and other on-going reviews
Actively participate in prospective client data analysis and presentations
Lead and conduct special underwriting projects
Assist in the development of best practices for the underwriting division
Develop and present underwriting training programs
Mentor less experience staff members
Maintain quality service standards and organization to assure timely service to Trion team
Minimum of 3 years experience in the Benefits Brokerage, Consulting, or Insurance industry is preferred
Advanced working knowledge of MS Excel is required (i.e. ability to perform pivot tables, macros, and intermediate formulas)
Effective analytical, math and problem solving skills, sound judgment, strong decision making ability, confidence to make difficult decisions and excellent communication skills
Must be organized, detail oriented and able to translate big picture ideas into client objectives

116

Senior Underwriter Resume Examples & Samples

Selects and underwrites the most complex Commercial Lines risks within delegated underwriting authority. Applies appropriate pricing techniques according to company filings and state/bureau conformance
Develops and executes formal written agency plans with all assigned agents in territory
Establishes and executes effective and efficient producer and client visits (with appropriate business units – Loss Control, Claims and Marketing Representatives) in order to maintain and increase new business
Coordinate with inter-company departments as well as producers, insureds, and Marketing Representatives to ensure appropriate high level account management standards are maintained
Enhances technical expertise in the area of Commercial Lines Underwriting including assisting Underwriting Manager in the training and development of Department staff
Responsible for helping develop and implement best practices in the areas of Account Management

117

Underwriter / Senior Underwriter MSC Resume Examples & Samples

Helping to set and striving to attain organizational targets for new business premiums and renewal retentions
Effectively manage relationships with producers. This may include attending activities such as seminars, training and on-site meetings by you and your supervisors. Total travel of 10% or less
Maintaining a thorough knowledge of the financial industry, staying abreast of industry trends
Ability to see the “Big Picture” and help customers solve problems is a must have
Three-to-five years of solid, documented experience underwriting claims made professional and management liability; preferably in the financial services/institutions underwriting area
A relevant graduate degree would be viewed as a definite plus, as would a RPLU, CPCU, ASLI or other insurance designations. Financial industry designations including CFA, CFP, Series 6 &7, and ChFC are also a plus
The candidate selected will have an appropriate undergraduate degree
Demonstrated team player, someone with a natural style and strong verbal and written skills who can build relationships with clients and colleagues
Flexible, willing to embrace change and be a pro-active force in its implementation throughout the organization

118

Underwriting Manager / Senior Underwriter Resume Examples & Samples

Underwrite management liability/commercial crime policies to include reviewing, analyzing, accepting, and declining risks to ensure profitability for Markel
Communicate with underwriting management, executives and national product line leaders on individual accounts, current and proposed producers, and make recommendations concerning operations, systems and procedures when appropriate
Review submissions and identify exposure and risk from information provided
Review terms, conditions and pricing
Underwrite renewal business and handle related servicing
Implement corrective measures on renewal accounts as needed
Provide training, supervision and technical assistance to department underwriting staff
Monitor producers for profitability and production
Market products to producers by coordinating marketing plan with the product executives
Participate in audits and/or underwriting meetings as required
Minimum of 6+ years of current management liability/commercial crime insurance experience required
Undergraduate degree required
Graduate degree and/or industry designations would be a definite plus
Strong financial acumen and collaborative management style (roll-up-your sleeves)
Demonstrated ability in setting and meeting objectives and getting peers and subordinates to “buy in.”
Flexible and spontaneous qualities are key elements to the success of this position
Interpersonal skills necessary to achieve desired goals and to interact effectively as well as a high level of confidence, integrity, energy and enthusiasm, executive presence and a personality that fits the “Markel Style.”

119

Brokerage Property Senior Underwriter Resume Examples & Samples

Minimum 7 years of underwriting expertise in surplus lines, with at least 5 years in underwriting brokerage property accounts
Proven, recent expertise in brokerage property underwriting
Four year college degree and/or CPCU or similar designation preferred
PC literate with emphasis on Word, Excel and PowerPoint
Strong analytical and organizational skills
Must be a team player that enjoys a flexible and spontaneous business environment

120

Senior Underwriter Resume Examples & Samples

Applies appropriate pricing of techniques according to company filings and state/bureau conformance
Establishes and executes insured and agency visits, independently or with Risk Engineering, Claims, Underwriting Manager and Regional Underwriting Executive
Establishes and implements effective production plan with agents and brokers in their assigned territory
Determines if reinsurance is needed and procures quotes from various internal and external markets
8+ years underwriting multi-line middle market commercial business ($75,000 to $1m), with a minimum of 5 years in a production a role
Experience with advanced underwriting concepts such as large deductible and loss sensitive programs is preferred
Able to work independently and remotely
Ability to travel (same day and overnight) using all forms of transportation (30%)

121

Senior Underwriter Resume Examples & Samples

Reviewing large, complex or specialist cases and delivering underwriting decisions within agreed timeframes, in order to secure profitable business within authority level and risk appetite
Work with account managers to input into segment and local business development plans which identify existing and regular flow of new business opportunities
Establishing an effective relationship with Account Management colleagues and others to have common goals and act as one team
Actively managing and developing a portfolio of accounts to maximise profitable revenue potential from new and renewal business
Supports Account Managers in identifying, prioritising, negotiating and winning of new Account relationships in line with strategy
Accessing and applying all appropriate sources of information and insight in order to meet the needs of selected brokers and clients, whilst balancing business requirements
Clearly and positively articulating proposition and risk appetite internally and externally
Reviewing allocated existing business and following up on new business cases through working with Account Management colleagues
Effectively negotiating and delivering underwriting decisions through following agreed processes at designated authority levels
Developing a trusted, deep and long term relationship with colleagues and select brokers to generate, progress and close new, up selling and cross selling business opportunities
Working with Account Managers and managing others to take responsibility for effectively and promptly resolving broker and/or client complaints to maintain quality and continuity of relationships
Adhering to our regulatory framework at all times
Support the Technical Underwriting and Pricing team to providing guidance to the production of new policy wordings to ensure policy documentation is current and accurate
Providing expert guidance and coaching to less qualified/experienced colleagues and support them in their license progression through the creation of development plans
Contributing to the wider development of effective business strategies, priorities and market propositions, drawing on own knowledge, understanding and interpretation of local markets, competitors and Accounts
Leading and/or contributing to technical audits and peer review processes as required to support and enable the maintenance of an effective control environment
Leading or contributing to the development and monitoring of Account plans, gaining agreement to and implementing them in order to secure renewals and optimise profitable new business growth potential at individual account level
Capturing and recording of data in timely and accurate fashion

122

Senior Underwriter SC Resume Examples & Samples

P&C Underwriting "hands on" experience is required for this role*
Bachelor degree, preferred, or equivalent combination of education and work experience required
Finds opportunities to be a peer leader including driving change management

123

Senior Underwriter Resume Examples & Samples

Ensure that rates and products are within Key’s policy
Accurate and concise messages to Key Private Banking, Key Centers & Telesales/Sales Support
Develop and conduct Underwriter Training
FID/ACAPS Install Testing
Partnership Demonstrations
Develop Underwriting procedures
Key Private Banking (KPB) applications
Out of footprint applications
Process special program loans
Servicing of the co-op loan portfolio
Act as a liaison between the CLC and the collection group
Act as a liaison between the CLC and the CRA group
Act as a liaison between the CLC and the Key Centers on declined CRA related loans
Act as a liaison between the bank and various non-profit organizations seeking to establish a partnership lending program with Key and their clients
Represent the bank as a source to prospective borrowers seeking information regarding various programs
Complete thorough 2nd review of all declined KEO & HMDA reportable loans
Process all requests that fall under Sec 35 (Reg Z)
Process all request that fall under Sec 35 (Reg Z) that require escrow
Demonstrate teamwork and leadership skills
Have keen attention to detail and time management skills to effectively process work flow
An expert level understanding of personal financial documents like W-2, tax returns, and accounting statements
Two to Three years prior financial services environment and knowledge of credit scoring and consumer lending regulations

124

Senior Underwriter Resume Examples & Samples

Prepares and structures written loan presentations for final approval which should include all the fundamentals of the proposed loan to ensure compliance with established policies, procedures and guidelines. Establishes underwriting requirements for loan funding
Coordinates with Loan Processing/Closing Department and outside counsel, as needed, in the preparation, review and approval of loan documentation
Participates in department/unit training activities

125

Senior Underwriter Resume Examples & Samples

Complete a thorough analysis of entire loan package to determine compliance with company and investor guidelines
Provide training for Loan Officers, when needed
Be available to Production and Processing staff for interpretations and questions in general or for specific loan files
Thorough knowledge of reviewing Residential appraisals
Ability to calculate qualifying income including analyzing tax returns and financial statements
Assume additional duties as they arise, cross-train within the department, and be responsive to the department

126

Senior Underwriter, Medical Resume Examples & Samples

Minimum 5-10 years of underwriting expertise in surplus lines, with at least 5 years in the medical field (prefer excess and surplus lines medical expertise)
Four year college degree preferred
Must have excellent oral and written communication skills
Up to 25% travel

127

Senior Underwriter Resume Examples & Samples

Responds to requests from existing brokers or potential clients in order to secure business or enhance existing service
Reviews and analyzes submissions, examines past claims, and determines degree of risk
Assesses exposure and determines rates and terms and conditions of coverage in accordance with guidelines
Assists in the negotiations by providing backup information and data on best terms & conditions of individual accounts
Selects appropriate rating plans in order to make marginal commercial risks acceptable and profitable
Review information resources like financial reports, inspections and internet or other sources in order to identify potential problems
Negotiates terms and conditions with brokers, binds coverage and initiates issuance of documents
Acts in a leadership role to various underwriting review meetings and general file consultation
Meets with representatives to discuss technical program issues
Acts as a knowledgeable resource in the product line, both inside and outside the office
Communicates in a concise, tactful, prompt and effective manner both over the phone and by email
Assists in training of employees
At least 6 years of industry related experience required
Strong analytical and judgment skills and excellent problem solving ability
Comfortable with MS Office Suite

128

Senior Underwriter, Burbank Resume Examples & Samples

Partner with Sales and Account Management and other key internal stakeholders to create and execute a business plan that optimizes our opportunities across book of business
Produce accurate quotes in compliance with Underwriting and authority guidelines and state and federal laws for existing and prospective business
Recommend and implement new and existing policies, procedures, and methodology

129

Commercial Bank Risk-ccb Senior Underwriter Resume Examples & Samples

Lead and/or participate in client due diligence and transaction negotiations
Use financial models to develop a forward-looking credit risk assessment based on key value drivers and sensitized assumptions
Credit Approval Process
Prepare credit approval materials, ensure all credit risk policies are followed, and present and recommend credits for approval at the appropriate level
Review and negotiate legal documentation and coordinate with counsel to ensure terms are appropriate and consistent with credit approval
Ensure risk ratings are accurate and reflect a current forward-looking view of the client
Work with bank examiners and internal credit reviewers to validate credit quality and integrity of the credit process, and comply with regulatory and policy requirements
Work closely with Credit Support Specialists to ensure accuracy of credit system data
Completion of a major corporate or investment bank credit training program, or equivalent experience, and a thorough understanding of bank credit policies and procedures
Minimum of 7 years of corporate or investment banking lending experience including extensive credit, structuring, and marketing

130

Senior Underwriter Resume Examples & Samples

Builds rapport and leverages customer relationships with existing and potential borrowers with the goal of meeting customer needs and exceeding their expectations
Analyze customers' financial situations and provide the appropriate solution by advising customers as to the appropriate loan product for them
Excel in a fast paced environment with the ability to multitask and follow up with multiple customer and work on multiple files each and every day
Accept multiple live, qualified inbound leads daily
Lock loans at point of sale, request initial documents from the customer, and submit an initial, paperless loan package to production staff
Structure and price loans accurately
2+ years' full time refinance loan origination experience; call center environment preferred
Strong desire to succeed in a sales environment and be a top producer
Ability to correctly and accurately structure and price loans
Complete knowledge of conventional and government loan programs (purchase and refinance)
Current CA DBO and NMLS license
Four or more additional state NMLS licenses preferred
Excellent communication and relationship skills
Self-motivated, self-starting professional
Detail oriented with strong organizational and follow through skills
Truly independent mortgage sales professional
Bilingual; ability to read, write and speak Spanish is a plus but not required
Two or more recent years' full time loan origination experience, preferably in a call center environment
Minimum of four approved state licenses through the NMLS

131

Senior Underwriter Resume Examples & Samples

Reviews due diligence reports, loss control surveys, loss runs, financial reports, timeliness of premium payments, and takes appropriate action when necessary. Collaborates with specialists such as premium auditors, claims adjusters, and loss control specialists for risk assessments
Manages work and delegates tasks to underwriting assistants, associate underwriters, and underwriters assigned to the team. Responsibilities include the delivery of proposals and quotes within stipulated time frames, reaction time to compliance issues, and requests from internal departments such as claims, loss control, SIU, operations, and IT, as well as external requests from agents, brokers, and policyholders
Responsible for the development and training of underwriting assistants, associate underwriters, and underwriters assigned to the team. May take on additional management and underwriting responsibilities or authority as directed by the Underwriting Supervisor or Manager. Must be capable of serving as team-leader for the assigned underwriting team in the absence of the Underwriting Supervisor or Manager
Presents accounts to management for underwriting approval accompanied by the appropriate underwriting data and recommendations. Communicates fundamentals of the designed insurance program to agents and accounts. Serves as surrogate for the Underwriting Supervisor and Manager when necessary
Maintains current knowledge of governing rules and regulations, market conditions, and corporate underwriting utilizing available tools, such as Silver Plume and the NCCI Website
Collaborates with the marketing department and senior management on presentations, proposals, and onsite visits. Communicates on a regular basis with agents and brokers

132

Senior Underwriter Resume Examples & Samples

Underwrite a full range of mortgage loans including Agency, Jumbo and FHA /VA loans
Validate that all GSE and PennyMac credit risk requirements have been met
Validate that HUD requirements have been met on FHA loans
Include Fraud Review on each Risk analysis
Complete Excel based income and asset related tools
Write clear, concise and accurate stipulations
Articulate recommendations for loan ineligibility situations or exceptions
Min 5 years of mortgage underwriting experience required
Conventional Underwriting expert and/or Proficient in FHA/VA
DE Designation required in some cases
Expert ability to navigate and interpret all agency guidelines
Proficient in Personal and Business tax return analysis
Proficient analyst of both Desktop Underwriter and Loan Prospector
Ability to work independently, prioritize workload and meet published deadlines
Experience working with productivity and quality metrics
Experience presenting Risk findings in a committee format
Experience in Fraud detection
Proficient in Excel and Word

133

Senior Underwriter Resume Examples & Samples

Underwrite a full range of mortgage loans including agency, jumbo, and FHA loans
Reviews to insure GSE requirements have been met on all conforming loans as well as PNMAC overlays
Perform a risk based review on all loans based on expected performance and ability to repay, aside from GSE or HUD specific requirements
Compliance reviews that fall into the Underwriting purview must be accurately performed and escalated as required
Support Operations, Sales and Clients in conveying PNMAC underwriting philosophy and education
College Coursework or Equivalent Min 5 years of mortgage underwriting experience required of which at least 2 years underwriting FHA loans
Ability and willingness to train and mentor less experienced or new underwriters
Experience working with automated loan origination systems
Organized and detail oriented

134

Senior Underwriter Resume Examples & Samples

Gather, analyze and evaluate risk exposure through appropriate risk documentation. Adopt proactive actions and/or make proactive recommendations to improve risk profitability
Apply knowledge and understanding of garage coverage forms, rating plans and guidelines in the selection and pricing of individual risks. Ensure adequate pricing of individual risks through proper classification, accuracy of information and adherence to company underwriting standards and philosophy
Work within specific authority level to quote,accept, decline, modify and renew risks within territorial assignment in
Must have valid state-issued driver’s license in good standing. Travel required approximately 10% of time
Must have 5-7 years of underwriting experience

135

Commercial Bank Risk-senior Underwriter VP Resume Examples & Samples

Identify the key risk factors associated with clients, transactions, and industry sub-sectors across an assigned portfolio
Attend client, bank, and other meetings to develop a thorough understanding of client companies, management teams, and industry sectors
Recommend and approve appropriate credit structures relative to risk assessment and policy considerations
Analyze and negotiate financing terms and conditions as part of a deal team
Analyze, prepare, and present for approval all required waivers, amendments, and extensions
Assist Credit Risk Executive in training and developing junior underwriters
Superior credit, corporate finance, negotiation, loan documentation, and financial modeling skills
Strong interpersonal and communication skills
Minimum of 7 years of corporate or investment banking lending experience including extensive credit, structuring, and marketing. Experience working with technology industry clients is preferred
BA/BS degree is required, MBA and/or CFA is preferred

136

Senior Underwriter Resume Examples & Samples

Excellent communication skills (both verbal and written)
Strong understanding of medical terminology
Ability to make sound decisions with attention to detail
Must be able to use available information to make logical conclusions
Excellent time management skills
College degree preferred or equivalent work experience
Prefer 5 to 10 years life underwriting experience
2+ years supervisory experience required
Experience in substandard underwriting required
Prior experience using SQL & Excel is preferred
Should have or made progress toward the FLMI designation
Completion of AALU exams a plus

137

Senior Underwriter, E&S Property Resume Examples & Samples

Underwrites targeted new and renewal business of by reviewing and analyzing insured's (or prospective insured's) loss history, financials, and other pertinent information at the direction of the manager
Makes independent marketing calls to brokers and prospective insureds
Bachelor's degree or advanced degree required
3-5 years underwriting experience required. E&S Property underwriting preferred
Requires knowledge of underwriting concepts, practices, and procedures

138

Senior Underwriter Resume Examples & Samples

Manage an integrated prospect experience leveraging inbound/outbound tactics, including email / SMS marketing and messaging
Learn the operations behind email/SMS service provider(s) and act as single point of contact for all email /SMS matters
Be subject matter expert for email /SMS marketing and champion best practices within the organization
Design and execute email lead nurturing campaigns from idea creation, creative, copy, design, deployment, scheduling, segmentation, production, A/B testing, and optimization
Execute, report on and continuously optimize email marketing campaigns
Manage messaging stream, cadence & strategy across marketing/deepening, and account servicing emails with an understanding of impact to lifetime value
Ensure campaign objectives align to business priorities across marketing channels and deliver on financial goals
Utilize quality assurance reviews to improve email deployments and maintain health of ESP(s)
Manage multiple work streams, project manage to ensure timely delivery on objectives, and handle a very fast-paced timeline-driven environment
Manage email marketing budget with a focus on delivering optimal outcomes at efficient levels of marketing spend (CPM, CPA, MROI)
10+ years' experience in a business related role; minimum 5+ years' experience in digital marketing (prefer a focus on integrated demand generation)
Financial services experience is a plus and/or experience in regulated industries
Experience in identifying target audiences and driving qualified traffic through email / SMS campaigns that engage, inform and motivate
Strong analytical skills and data-driven thinking
Comfortable presenting ideas to stakeholder groups and leadership -- strong written and presentation skills
Experience with A/B and multivariate tools/techniques
Experience managing and forecasting budgets and performance across marketing channels
Innovative thinker -- willing to consider novel approaches to solving difficult problems
Self-starter -- driven to get results, needing little or no management oversight
Passionate -- always strive for excellence and have pride in your work
Bachelor's Degree required, MBA preferred

139

Senior Underwriter / Underwriter Resume Examples & Samples

Underwriter conducts risk review and analysis and determines terms and conditions as well as appropriate pricing in accordance with granted authority and XL Catlin underwriting guidelines
Underwriter effectively negotiates and secures policy terms that align with XL Catlin directives
Underwriter cultivates key broker relationships in the region to maintain a steady stream of business within our underwriting appetite
Underwriter cultivates effective business relationship with accounts, providing risk stewardship including initial setup of service commitments and ongoing consultation. Completes all required steps on account setup, documentation, and account management. Partners with service providers to build long-term relationships between customers/brokers and XL Catlin and manages expectations of all parties
Underwriter cross-markets with other XL Catlin lines; meets with brokers and insureds as required
Minimum 5-10 of years underwriting experience with large accounts
Ability to develop and maintain relationships with customers and producers
Strong demonstration of initiative, interpersonal skills, and a professional demeanor are critical

140

Senior Underwriter, Casualty Resume Examples & Samples

Managing and underwriting a portfolio book of new and renewal business per XL Catlin’s underwriting guidelines, with emphasis on growth and excellent service standards
Conducting risk review and analysis and determining terms and conditions as well as appropriate pricing in accordance with granted authority and XL Catlin guidelines
Minimum 5 years of casualty underwriting experience
Has the ability to work in a fast paced environment and takes the initiative on key tasks

141

Senior Underwriter Resume Examples & Samples

Manages and Underwrites profitable book of new and renewal business per XL Guidelines
Cultivates key broker relationships to maintain a steady stream of business within our core appetite
Reviews submissions per authorized guidelines
Price, quotes and binds business
Reviews Engineering Surveys
Cross markets XL products to brokers
Meets with brokers and insureds as required
Attends trade shows and broker meetings as required
Thrives in a collaborative, team focused environment, as we operate within a collaborative work environment where team work and strong communications are vital traits of success
Profitably produce Gross Witten Premium (GWP) Budget (including new business responsibility)
Market to producers in the city of domicile, as well as other cities/states within the assigned territory
Support unit's service standards in delivery of product
Special projects as assigned
Minimum 3-5 years of experience in environmental and/or casualty insurance or Environmental consulting/engineering experience or risk management experience
Ability to execute business strategy, establish broke and client relationships
Professional demeanor
Education: Bachelor's Degree Required
Travel is estimated at 10 - 15%

142

AVP Senior Underwriter Resume Examples & Samples

Supporting the successful execution of the North Central region’s strategic plan
Handling an existing renewal portfolio of Primary business and grow the portfolio with profitable new business to support the unit's overall budget
Creating visibility in the assigned territory by communicating underwriting appetite and capabilities to generate new opportunities as well as maintaining strong renewal relationships
Working independently, you will be granted underwriting authority based on experience level
Cultivating key broker relationships in the region to maintain a steady stream of business within our underwriting appetite
Providing clients with a service that supports the positive image of the company
Cross-marketing with other XL lines; meeting with brokers and insureds as required
Seven to ten years of Primary Casualty Underwriting Experience
Strong marketing relationships within their assigned territory
Possess in-depth underwriting expertise across general classes, and is able handle complex accounts
Strong Communication: Excellent verbal and written communication, collaboration and presentation skills and willingness to mentor others
Travel is estimated at 25%

143

Senior Underwriter Resume Examples & Samples

Production and underwriting of profitable new and renewal business
Strategic marketing of commercial casualty products
Compliance with underwriting rules and guidelines within assigned authority, development of new and existing key broker/agent relationships, contribution to teams and special projects as assigned
Reviewing submissions including applications, policy wording, inspection reports, and financial reports while conducting appropriate research to determine degree of risk for each account
Calculating appropriate risk premium by considering the inherent risk cost
Proactively advising, assisting, servicing and following up with clients on insurance and risk management matters to ensure satisfaction and fulfillment of their insurance requirements
Effective relationship management to initiate opportunities for cross-selling offered products and ensuring account retention
Controlling timely implementation of new and renewed accounts according to quality standards
Minimum of five years of general liability underwriting experience
Preference for experience in Oil & Gas, Construction and Products
Proven progressive ability to analyze, quote and service CGL and excess policies
Team player within a strong collaborative team
Ability to manage deadlines and workflow effectively
Excellent broker management and customer service skills
Excellent negotiation, verbal and written communication skills
Strong computer skills (Microsoft Office) are critical for the success of this position
Ability to travel up to 20%

144

Senior Underwriter Resume Examples & Samples

Accountability for soliciting and underwriting risks in support of the successful execution of territorial strategic operating and marketing plans ensuring delivery of positive financial performance
Oversight of proper risk selection, mix of business management, pricing strategies, adherence to underwriting guidelines, quality analysis for Marine
Responsible for managing assigned agent / broker relationships
Providing necessary underwriting and tactical support to peer underwriters and junior underwriters
Collaborating with other business units to advance the enterprise and reputation of the marine unit within the enterprise
Assisting, as necessary, on project work to expand the marine unit appetite and product offerings
A Bachelor’s Degree is required for this role. Designations or progress towards same is preferred including, but not limited to: CPCU, CIC, AU, AAI, CLCS, CRM, and ARM, preferred
A minimum of 4- 5 years of marine insurance underwriting experience
Business development leader with a successful track record driving profitable growth
Excellent analytical and decision-making skills
Excellent communication, networking, marketing, collaboration skills evidencing public speaking and presentation experience
Ability to develop and maintain relationships with customers, producers and trading partners
Strong technical skills with Microsoft Office and other relevant systems
Travel of up to 35 - 40% of the time is anticipated

145

Senior Underwriter Resume Examples & Samples

Review and analysis of public and private M&A transaction documentation and due diligence reports in order to identify
Practicing solicitor with strong corporate M&A experience at top-tier law firm with detailed understanding of complex corporate structuring and financing arrangements
Experience in running legal aspects of M&A transactions
Experience underwriting or broking transactional risk insurance a plus
Specific knowledge of transactional legal exposures (warranty breaches, tax structuring issues, price adjustment

146

Senior Underwriter Resume Examples & Samples

Developing and structuring tailor-made solutions by considering the Property Underwriting guidelines and Underwriting policy to win new business and retain existing customers
Evaluating appropriate risk premium by considering the risk costs inherent to the Property Sector, reinsurance cessions as well as the underwriting and general administration costs to ensure profitability
Initiate opportunities for cross-selling
Control timely implementation of new and renewed accounts according to quality standards (including policy- and invoice issuance)
Monitor premium collection according to standards and take actions
Advise, assist and service clients on insurance and risk management matters to ensure clients satisfaction and respond to client and XL Catlin queries in a timely manner
Ensure timely implementation of Policy endorsements and ensure proper hand-over for implementation
The Senior Underwriter may have a responsibility for the development of skills, knowledge and competencies of less experienced colleagues
They will develop best practice and the sharing of underwriting knowledge within the team.Proactively foster positive relationship with clients to get mutual understanding of their needs
Minimum 5-10 years underwriting experience with thorough technical knowledge of underwriting, rating methodologies, forms and business processes
Proficiency required in large global and domestic property underwriting. HPR background is a plus
Bachelor’s Degree preferred; professional designations CPCU, ARM a plus
Excellent marketing, presentation and negotiation skills
Solid leadership and management skills
Travel is estimated at 20%

147

Senior Underwriter Resume Examples & Samples

Originating SRS opportunities: marketing to brokers and clients, plus internal networking
Analyzing SRS opportunities, in conjunction with others in the SRS team
Structuring, negotiating and executing SRS deals, in conjunction with others in the SRS team
Following all internal Underwriting protocols, including the SRS Manual, Deal Memo and Deal Committee processes
Following all internal and external rules and requirements (e.g. Legal and Compliance, Actuarial, Tax, Accounting, ERM, Audit etc.)
Managing existing SRS deals, in conjunction with others in the SRS team
Undertaking other duties as required and requested by the Global Head of SRS
Excellent communication and networking skills
Strong analytical and structuring skills as either an Actuary or P&C Underwriter
Experience and sound judgment regarding non-traditional (re)insurance opportunities and transactions
Efficient, diligent and conscientious
Strong execution skills

148

Large Group Senior Underwriter Resume Examples & Samples

1-3+ years of current or recent experience in underwriting pricing methodologies & funding arrangements required
Knowledge of rating and/or accounting & underwriting concepts
Demonstrated analytical & independent thinking skills
Must be able to communicate effectively with internal & external constituents
Ability to use standard corporate software packages & corporate applications

149

Senior Underwriter Bus Bkg Resume Examples & Samples

De-construct competitive best practices in email marketing from leading brands
Navigate effectively from high level strategy down to tactical, email channel optimization with a focus on personalization/customization
Develop contact management strategy to influence customer experience and relationship deepening
Partner with creative teams to define creative needs (e.g. write creative briefs, partner to develop effective and efficient creative templates, streamline creative development processes, etc.)
Continuous use of A/B and multivariate testing (test, learn, apply, optimize) methodology to optimize email marketing activity
Measure performance of email marketing activity with KPI's including deliverability, open, click, revenue contribution at campaign level and present to senior leadership
Understand marketing technologies and methodologies
Demonstrable experience leading and managing email marketing and marketing database segmentation
Passionate/knowledgeable about optimized design and user experience
Demonstrated ability to work with external agencies and manage day to day interactions
Energetic -- high energy, willing to work hard and enjoy success and willing take risks
LI-LT1

150

Senior Underwriter Resume Examples & Samples

Analyze health benefit plan characteristics and assess risks as to frequency and potential severity of loss of clients
Utilize established underwriting criteria and policies to provide proper rating methodologies
Represent and negotiate rates and plan options with insurers to optimize cost-competitive health benefit plans
1+ years’ experience in healthcare underwriting

151

Senior Underwriter Resume Examples & Samples

Identifies credit strengths, weaknesses, industry risks, and anomalies that lead to further investigation. Determines or amends applicable loan agreement covenant and monitoring requirements
Supports management of the Relationship Manager portfolio by addressing convenant violations, completing annual review/renewals, and identifiying opportunities
Expert knowledge of Bank of the West Policy and Procedures

152

Senior Underwriter, Crisis Management Resume Examples & Samples

Communicates with other product line underwriters and claims analysts in order to provide comprehensive customer service
3-5 years underwriting experience and underwriting highly technical risks preferred
Demonstrated strong verbal and written communications skills required
Crisis Management underwriting experience including product recall; contaminated products; kidnap, ransom & extortion is preferred

153

VA / FHA Senior Underwriter Resume Examples & Samples

Analyzes requests for exceptions to Bank policy and determines. acceptability to the Bank's risk requirements and escalates appropriately for approval
Communicates with residential lending sales and operations staff regarding loan decisions, conditions and underwriting guidelines
Maintains a sound knowledge of business/industry practices as they impact residential mortgage underwriting and credit risk
The position requires an active DE and VA SAR actively used in the last 6 months
Understanding of TILA /RESPA (TRID), ATR and QM regulations

154

SC, Senior Underwriter Consultant Resume Examples & Samples

Achievement of or actively pursuing CPCU, CIC, ARM or other relevant industry designation preferred
Strong Technical Underwriting skills and a resource designation. A strong underwriting competency in the construction industry is preferred
Strong Interpersonal Skills; Able to build effective relationships
Effective Communication Skills; Ability to lead and manage change
Strong Negotiation and Influencing Skills
Strong organizing and planning skills; Able to optimize direct resources and influence business partnerships in order to drive results
Broad business acumen; Strong financial acumen and analytical skills
Strong customer service skills; highly professional
Takes personal ownership for achieving unit objectives; doesn’t make excuses
Exhibits a relentless drive to deliver exceptional results, overcoming obstacles through problem solving, influencing skills, and determination
Drives and hold oneself accountability for process consistency within area of responsibility
Drives productivity, process improvement and customer satisfaction
College Degree or equivalent experience required
7 + years of commercial UW experience

155

Senior Underwriter / Underwriting Consultant Resume Examples & Samples

Analyzes data related to the risk being underwritten to determine what benefits, if any, can be offered
This position requires extensive or prolonged typing/keyboarding
This position may require constant standing or walking for extended periods of time

156

Senior Underwriter Resume Examples & Samples

Analyze insurance applications and evidence of insurability
Where decisions are unfavourable for the client, try to negotiate a better decision from our reinsurers, in accordance with reinsurance treaties and internal rules
Respond to inquiries from financial advisors and general agents without revealing confidential content
Document decisions in underwriting system
Maintain medical knowledge and stay current on underwriting approaches
Analytical, judgement, problem-solving and decision-making skills
Ability to influence and negotiate
Strong knowledge of medicine and risk factors
4+ years as an Individual Life Underwriter
Specialized training: ALU certificate and commitment to ongoing education with a goal of attaining the Fellow, Academy of Life Underwriting (FALU) and Fellow, Life Management Institute (FLMI) designations

157

Senior Underwriter / Credit Analyst Resume Examples & Samples

Underwrite and assess risk for products and accounts in a market segment. Make appropriate decisions within own underwriting authority in addition to considered, intelligent, and complete recommendations to segment/business leadership
Consistent with Travelers underwriting principles underwrite more complex accounts and risks and consider different approaches toward risks to maximize profitability (e.g., pricing, retention, endorsements, limits, indemnity, security)
Make prompt, sound decisions within underwriting authority and based on appropriate underwriting information
Negotiate terms and conditions consistent with market segment requirements and standards within submission timeframe
Understand and execute segment strategies to produce budgeted results. Continuously manage book of business (maintain quality of business required by market segment strategy)
Understand, embrace, execute, and foster Travelers Canada and Business Segment Guiding Principles/Best Practices
Establish and maintain collaborative relationships with colleagues in Head Office, Risk Control, Claims, Actuarial, and as needed, any other parts of the organization. May act as a Regional or resident industry expert
Actively engage and seek out training opportunities within market segment to further develop industry expertise
Effectively develop and execute sales plans. Sales activity should include some of the larger and more important brokers/clients
Create and achieve sales plans that identify and capture new business opportunities and effectively cross sell Travelers products/businesses (e.g., Business Insurance, Financial and Professional Services, Surety)
Act as a responsible business partner with assigned brokers and clients, managing interests of Travelers Canada
Seek out and maintain collaborative relationships with colleagues in other business segments and Regions to foster business development
Actively participate in regularly scheduled market segment underwriting and/or sales meetings
Demonstrate superior customer service standards (consistency, quick response, knowledge of products). Convince / persuade others to help achieve underwriting, sales and production goals and understand and work towards strategic objectives
Demonstrate operational excellence by complying with Best Practices, and managing desk to meet customer expectations

158

Senior Underwriter Resume Examples & Samples

Product / Market Understanding - In depth knowledge of mortgage product and bespoke underwriting capability. Mandated role in alignment with lending authority
Customer Orientation - Ability to demonstrate delivery of world class customer service
Supplier / Partner Relationships - Building and maintaining relationships with Mortgage Brokers / Advisors and other third parties
Organising / Decision Making - A methodological approach and attention to detail, ability to make clear, reasoned and informed decisions at all times
Self-Management and Control - Ability to manage, prioritise and organise their own caseload. Ability to multitask and prioritise workloads
Communications and Influence - Excellent written and verbal communication skills
Relationships and Team-working - Ability to communicate on a professional level to internal and external customers
Innovation and Creativity - Ability to approach challenges from a different direction and find alternative routes to establish the best solution
Job Training / Experience - Previous experience of mortgage underwriting, the mortgage business, its products, marketing approach and processes

159

Senior Underwriter Resume Examples & Samples

Conduct competitive analysis of all coverage lines and present financial and contractual findings
Underwriter to handle self-funded business
Post Graduate Degree in Math, Finance, Business or related degree

160

Senior Underwriter Resume Examples & Samples

The underwriting and development of Argo’s Directors and Officers, Errors and Omissions, Employment Practices
Liability, Cyber and Wage & Hour insurance business
Participating in underwriting meetings with senior insurance brokers, and CFO’s, General Counsel, Treasury and Risk Managers of our existing and prospective clients
Maintaining and developing relationships with Bermuda, US and international brokers to produce and maintain
Profitable business
Maintaining relationships and active involvement with various industry and trade organizations
Assisting with the development of new products and wordings
At least 5 years prior professional lines underwriting experience, specifically related to Directors and Officers Liability Insurance, Employment Practices Liability Insurance, Errors and Omissions Liability Insurance
Demonstrate knowledge of analysis and quantifications of professional liability risk exposures for large market
Capitalization companies
Demonstrate understanding of information security and privacy risks including risk mitigation practices
In-depth understanding of Professional Liability contracts
Extensive knowledge of and established (good) working relationships with brokers in the North American and
Bermuda markets
Strong relationship management and communication skills (both written and verbal)
Undergraduate degree and/or professional insurance designation (e.g. CPCU, ACII, RPLU)
Strong analytical problem solving and decision making skills
Strong marketing, financial analysis, negotiation and presentation skills
Business travel is required

161

Senior Underwriter Resume Examples & Samples

Responsible for the profitability, growth and retention of assigned book of business that is consistent with overall business line objectives
Review large and highly complex excess/umbrella policies to verify acceptability based upon company underwriting guidelines and granted underwriting authority
Market Colony Specialty’s products and services through an assigned agent territory, including management of agents and agency travel
Assist the Underwriting Manager with the administration and monitoring of underwriting rules and guidelines
Resolve premium audit disputes within assigned territory
Consult with general agents/brokers to obtain further information needed to develop quotes and properly rate accounts or explain underwriting guidelines
Mentor less experienced team members
Conduct educational sessions within the department
Bachelor’s degree or seven year to ten years related insurance experience and/or equivalent combination of education and experience
Eight to ten years underwriting experience with authority, preferably in excess and surplus lines
Detail oriented with initiative and the ability to work independently in a fast paced environment
Advanced knowledge of computer programs, including Word, Excel, and Outlook

162

Senior Underwriter Resume Examples & Samples

Underwrite and analyze new business and renewal submissions. Products include primary and excess: D&O , EPL , Fiduciary and crime lines
Ensure our marketing initiatives are achieved and that consistent communication of our products and services are provided to our appointed brokers
Assist regional manager and product leaders in further developing existing broker relations as well as establish new relationships to attract business opportunities
Develop and maintain a submission pipeline sufficient to achieve overall production and business mix objectives
Three to five years underwriting experience in professional liability with expertise in D&O , EPL Fiduciary and crime. Experience in FI lines beneficial but not required
Strong relationships with professional liability specialist brokers in the Eastern U.S., especially in the metro NYC marketplace
Strong computer skills. Proficient in Powerpoint, Excel, Outlook, and Word
Excellent organization skills, very strong analytical, oral and written communication skills required
Strong customer service and teamwork skills and a professional attitude needed
Must be able to quickly evaluate the accuracy of data and information
Ability to interact and communicate with various levels of the organization to cross sell or address processing requirements
Ability to work independently with guidance and procedures provided
Actively participate in client and broker meetings, as required
Use market contacts to bring in management liability business, gather and share market intelligence and cross sell Argo Pro and other Argo Group products
Participate in special projects and assignments as requested

163

Senior Underwriter Resume Examples & Samples

Underwrite and analyze new business and renewal submissions. Products include primary and excess: Cyber, Miscellaneous Professional and Technology/Media E&O
One to five years underwriting experience in professional liability with expertise in MPL, Technology, Data Privacy & Security and Media
Strong relationships with professional liability specialist brokers in the Central/Midwest United States., especially in the Chicago marketplace
Use market contacts to bring in E&O business, gather and share market intelligence and cross sell Argo Pro and other Argo Group products

164

Senior Underwriter Resume Examples & Samples

Establishes and maintains relationships with the retail and wholesale brokerage community to facilitate marketing of LIU products and services
Bachelor's degree or advanced degree; 3-5 years Excess or Umbrella underwriting experience
Strong personal relationship skills and marketing skills

165

Senior Underwriter Resume Examples & Samples

Assist in setting and delivery of PC strategy and budget including policy retention and NLI
Maintaining underwriting standards across the PC
Maintain and improve broker and client relationships to increase client retention
Be aware of and meet deadlines for reporting PC strategy and budget development to senior management
Financial analysis skills
Detailed knowledge in Trade Finance and export documentation
Strong country knowledge – Macro economic and political risks and trade sector dynamics
Competent in IT packages and AIG systems
Comprehensive insurance background
Track record of successful change management
Proven people management skills
Strong commercial background
Proven ability to develop and execute strategic business plans
Proven track record of leading and delivering profitable returns
Managing multiple distribution channels

166

Senior Underwriter Resume Examples & Samples

Preferred minimum of 5-8+ years experience in Singapore market
In depth experience in Marine Cargo, Marine Liability and Inland Marine (preferred)
Experience of understanding and executing underwriting guidelines, rating algorithms and product development preferred
Good broker relationship and service oriented mind set
Strong, effective strategic leadership
Strong negotiator
Strong influencing, relationship building and communications skills
Ability to work across multiple areas of company
Strategic orientation, managing vision and purpose, developing organizational capability
Team Player
Strong multi-culture awareness

167

Senior Underwriter Resume Examples & Samples

3+ years of Financial Lines industry experience, preferably E&O/Cyber
Strong technical background and understanding of financial and insurance concepts
Applicant should be a self-starter with a strong marketing presence, demonstrating experience in marketing and sales, underwriting and managing accounts
Excellent analytical, negotiation, inter-personal and relationship management skills
Support improving regional business mix/rap profitability by achieving regional growth targets on key divisional initiatives
College degree preferred. Finance or Risk Management major a plus

168

Field Senior Underwriter Resume Examples & Samples

Minimum 3 years of Commercial Insurance Company, Agency or Brokerage experience
Proven ability to build and maintain strong professional relationships
Working knowledge of US Casualty lines of business (Workers Compensation, Auto Liability/Physical damage, and General Liability) including product features, forms, regulatory environments and risks etc
Demonstrated sales, marketing, and relationship building experience

169

Senior Underwriter Resume Examples & Samples

Reviews applications and financial requirements for risks requiring underwriting
Determines appropriate pricing based on financial and competitive analysis in line with compliance requirements
Analyzes quality, quantity, and profitability of financial institutions risks underwritten and prepares reports for management review
Production and underwriting of profitable new and renewal business across Canada to support global programs
Advanced knowledge of underwriting and insurance industry theories and practices
Demonstrated high level of technical expertise and industry knowledge relative to the financial institutions space
Ability to exercise independent judgment and to make critical business decisions effectively

170

Senior Underwriter SME Package Resume Examples & Samples

Undertake regular portfolio management to identify and develop action plans to address under-performing segments of the portfolio and under-performing producers & distribution channels
Contribute to the overall strategic direction and development of the SME portfolio in Australia including systems and user interface design, product development and design, review and refinement of risk appetite, review of electronic trading platform (Transact) business rules and rating algorithm and improvements in operational efficiency
Participate in research involving new emerging exposures
Undertake Peer Review process as / when required to determine and areas for underwriting quality improvement and opportunity to improve underwriting consistency

171

Senior Underwriter Resume Examples & Samples

Produces, selects and underwrites Inland Marine risks within delegated underwriting authority, including construction, transportation or other classes of Inland Marine as authorized
Applies appropriate account selection, coverage and pricing techniques according to department guidelines
Establishes and executes effective and efficient producer and client visits (in conjunction with other internal units and Marketing Representatives as necessary) in order to maintain existing accounts and develop new business
Enhances underwriting expertise in the area of Inland Marine including assisting in training and development of Department staff
Bachelor’s degree or equivalent business experience preferable. CPCU/ insurance designations encouraged
5+ years of marine hull and liability underwriting experience, demonstrated productivity and profitability and strong business acumen related to building a profitable book of business
Strong knowledge and technical expertise of commercial Inland Marine exposures, risks, forms, coverages, and market capabilities
Strong portfolio management, production, organization and time management skills with an understanding of the company’s business objectives
Excellent communication and people management skills
Effective computer and software skills, including Microsoft products Word, Excel and Outlook
Ability to travel as required within the Central and Gulf regions of the United States for production and producer management activities

172

Senior Underwriter, Property Resume Examples & Samples

Measure exposure/analyze risk
Assist in training and developing staff
Diagnose and develop recommendations to solve unique business unit and customer problems
Monitor and review work undertaken across a number of small to medium scale projects or a large complex project in order to ensure appropriate use of resources and adherence to schedules
Provide advisory services to colleagues on a daily basis, measuring exposure and analyzing risk in order to provide appropriate coverage that meets the organization´s risk and compliance processes
Research best practice and provide consultancy to support senior management in developing and improving processes and systems relevant to underwriting
Assess complex customer cases, evaluate their unique needs and apply technical techniques and know-how to recommend a solution
Build relationships with customers by handling a range of queries and provide advice with the development of an account to create additional value for the organization and customers
Bachelor Degree and 5 years or more years of experience in related field
Demonstrated strong presentation skills and a solutioins and service orientation

173

Senior Underwriter Resume Examples & Samples

Utilize internal and external information, tools and resources to evaluate account risk quality, underwrite, and
Communicate as required with both the South and senior US underwriter on your underwriting decisions
Support the sales and marketing effort of the group by promoting our brand and service capabilities to prospective
Clients and brokers - maintaining strong industry relationships
Enhance the environment at XL Catlin by participating actively in special projects and XL Catlin initiatives
Lend your expertise and experience to continually expand the knowledge and personal development efforts of other
Team members
Your role will include up to 50% travel within Texas and Central Zone of the US
The ideal candidate will either currently be an assistant underwriter, underwriter, or insurance broker in the Dallas Texas
Area with a focus on E&S property risks, although other relevant work experience will be considered
Excellent communication and collaboration skills
Ability to summarize large amounts of information
Strong customer relationship and negotiation skills
Good work management and organization skills – ability to prioritize
Motivated to continuously improve skill set

174

Senior Underwriter Resume Examples & Samples

Assess risks within the product line appetite,
Underwriting to our Guidelines and Best Practices
Actively market and promote K& R products through the XLC client distribution network, including cross-sell and collaboration with complementary XLC lines
Nurture existing and build new producer relationships
Actively support and assist in achieving 2017 K&R North American plan
A minimum of 5 years underwriting experience within management liability and preferably kidnap & ransom lines
Proven broker knowledge and relationships
Ability to travel up to 35% of time
Exhibit qualities of self-motivation and collaborative work style

175

Senior Underwriter Resume Examples & Samples

Supporting the successful execution of the Central Region’s strategic plan
Handling an existing renewal portfolio of Umbrella and Excess business and grow the portfolio with new profitable new business to support the unit's overall budget
Creating visibility in the assigned territory at a high level communicating underwriting appetite and capabilities to generate new opportunities
Working independently, you will be granted underwriting authority based on experience level and subject to the Casualty Regulations and Guidelines and NAICS Guidelines
Five to seven years of Excess Casualty Underwriting Experience
Strong marketing relationships within the Central Region
Possess in-depth underwriting expertise across general classes or a particular specialty, and is able handle complex accounts
Strategic Thinking: Visualize what doesn’t exist and know how to get there. Can invent, design and build

176

Senior Underwriter Resume Examples & Samples

1) Support long and short term business strategies to effectively achieve profit and growth objectives for assigned location(s) through responsible marketing and sound underwriting
2) Underwrite and price accounts and captive programs in support of strategic business planning activities designed to increase the presence of the business group in the market; retain the appropriate mix of business; and achieve overall growth and profit objectives
3) Respond to underwriting and marketing strategies and standards by developing a marketing plan that reflects market competitive conditions and, at the same time, meets growth and profit goals
4) Ensure that production and underwriting objectives with respect to profitability are achieved
5) Marketing and underwriting responsibilities include but are not limited to: Meeting with agency program management and captive management personnel to maintain and develop positive and productive relationships. In this capacity, assure that our contractual commitments are met and negotiates programs of insurance. Represents the company and our underwriting strategy in the locations(s) to agent, program managers, captive managers, insureds, employees and the community. Working with other business units as appropriate to support market penetration objectives and seeks out cross-sell opportunity as appropriate
6) Maintain the highest level of customer service
7) Assist in the delivery of excellent account and program administration services
8) Develop and maintain effective relations with internal resources (e.g. Risk Control, Claim, Operations, etc.) to ensure delivery of all related services to clients
9) Perform all functions to support profit, growth and expense management goals

177

Senior Underwriter Resume Examples & Samples

Underwriting: Underwrite terms and conditions and establish pricing for new and renewal property facultative business by gathering, reviewing, and analyzing account information. The territory includes Southern California as well as potentially any other area on the West Coast. Achieve consistent satisfactory internal/external audit results by adhering to underwriting guidelines, regulatory and rating guidelines. Effectively communicate with underwriting, actuarial, legal, underwriting service department (USD) and claims staff to ensure profitability of accounts. Maintain and service a book of business by analyzing endorsement requests, participating in large loss and customer account team meetings, audits and provide top quality customer service to brokers and cedants
Business Development: Participate in the strategic planning and implementation of business development activities including but not limited to: identification of key brokers and markets; participation in marketing to external brokers, which includes activities and events; completion and implementation of action plans from marketing activities; and accompany other underwriters on broker/client visits as needed
Collaboration: Work effectively in a team setting; contribute to the creation and sustaining of a high performance team by embracing and understanding team and unit goals, perform job functions at a meet expectations or above level, and contribute to and implement actions to improve performance and efficiency
Performs other related duties
Complete special projects and other functions, as required
Bachelor's degree in Liberal Arts or related degree
The candidate must have a minimum three years of experience in the insurance industry, with an emphasis on commercial property insurance
Understand policy rating and be proficient in the use of policy rating systems
Familiarity with policy and contract wording
Math Aptitude
Underwriter must be detail oriented and accurate, have demonstrated organizational skills and flexibility, have excellent verbal and written communication skills as well as interpersonal skills, have the ability to apply creative, analytical and mathematical skills to problem-solving; have the ability to work independently, have excellent customer focus, responsiveness and multi-tasking abilities, be team-oriented and have a consistent commitment to excellence, have the ability to enter information accurately and have the ability to work in a fast paced environment

178

Mortgage Senior Underwriter Resume Examples & Samples

Review, analyze and make final determination on loan submissions using manual underwriting guidelines as well as validating Automated Underwriting recommendations (DU; /LP)
Provide guidance through a second look review for all denial recommendations
Lending Authority Limit: $1,000,000
Underwrite special programs as determined by lending authority set by Underwriting Management
Work with clients and team members to identify potential solutions/alternatives for difficult/denied loan files
Communicate with internal and external clients to ensure high quality loan decisions are made
Research and respond to Underwriting Manager on loans requiring additional escalation and review and ability to summarize issues, concerns and recommendations
Effectively prepare exception requests as needed
College degree preferred. Minimum High School diploma, or equivalent, required. Courses in real estate/mortgage banking helpful
Minimum of 5-7 years underwriting with 3-5 years of experience with Jumbo Conforming required
Ability to handle secure and private information
Ability to stay current with regulatory and industry changes
Excellent customer service skills and analytical skills
Knowledge of TRID requirements
Ability to work independently and adapt to a constantly changing environment
Ability to be a creative and innovative problem solver

179

Senior Underwriter Resume Examples & Samples

Reviews and analyzes submissions, examines application forms and past claims, and determines degree of risk
Develops and maintains an awareness of claims and exposures
Liaison with claims department regarding policy intent, policy interpretation and the course of action on existing claims
Assists manager with preparation of a variety of regular and ad hoc reports related to the departments' operations as required Provides advice and expertise to other underwriters on underwriting issues
College degree, preferably in insurance or business
License required and additional certification helpful (CPCU, ARM, etc.). Prefer 5 years of industry-related experience required, garage underwriter
Strong analytical and judgment skills, excellent problem solving ability
Requires in-depth technical expertise and high level of ability to communicate (verbally and in writing) for both administrative and technical matters

180

Senior Underwriter Resume Examples & Samples

Underwrite, price and set terms and conditions on Alt A A-Caliber, high ratio and conventional residential mortgage applications originating from Optimum & CWB internal customers and referrals within our core operating regions of AB, BC, SK, MB, ON and Atlantic Canada
Assist with overflow applications in all centres
Provide coaching and leadership support to Fulfillment Specialists for ownership of the deal opportunity from the point of inception through to funding
Ensure Bank policies and regulatory requirements, AML, fraud detection, and KYC measures are followed
Treat all stakeholders with professionalism, dignity and respect and support an environment where people can contribute and excel
Demonstrate strong interpersonal skills that contribute to working effectively in a diverse working environment
Accept responsibility and accountability for my actions and results
Promote cooperation and commitment within the CWB Group towards the attainment of common goals enabling productive group interactions
Lending/underwriting experience is a must! With some serious mortgage industry exposure and knowledge. (Are you a proven Mortgage Underwriter but don’t have Alt Lending experience? If you have a strong desire and willingness to learn - we have a dedicated team of professionals committed to ensuring your success. You will be provided with on the job training, resources to reference and have lots of opportunity to practice!)
Do you know T24 and Wave? You're ahead of the game
Solid understanding of Insurer (CMHC and Genworth) eligibility guidelines

181

Senior Underwriter Resume Examples & Samples

Responsible for developing stand-alone Crime business for accounts with revenues over $100 million dollars
Use of extensive contacts in the market, and the ability to sell our value proposition through presentations to brokers and clients at conferences and in the media
Marketing and production visits to key producers throughout the UK and EMEA
Cross-marketing with other XL Catlin units and present producer product training and Continuing Education classes
7 – 10 years of experience in Commercial Crime and/or Financial Institution Crime underwriting
Ability to work collaboratively and independently to achieve business goals
Strong broker relationships and the ability to develop and further those relationships
Ability to travel at least 25% as needed

182

Senior Underwriter Resume Examples & Samples

Review, evaluate and price moderately complex business by applying sound underwriting judgment and adhering to company policy and state regulations within established authority
Identify and minimize risks by utilizing due diligence and applying sound judgment to escalate underwriting issues when necessary and recommend opportunities for a profitable portfolio
Ensure adherence to underwriting standards, objectives and guidelines of program by maintaining files in accordance with policy and procedures to minimize risk
Assist with improvements in underwriting practices, pricing and marketing strategies by providing feedback to upper level underwriting professionals to communicate industry best practices
Mentor junior underwriters by managing projects and training initiatives, answering escalated questions and reviewing financial statement and securities valuation analyses to ensure efficient team performance and profitable delivery
Contribute to recording and measurement of insurance risks to ensure accuracy and good practice
Ensure review and analysis of the portfolio to identify progress toward business objectives
Research and obtain market intelligence in order to enhance organizational profit goals
Foster strong partnerships with customers by informing on new products and programs, communicating opportunities for continuous improvement and clarifying and explaining underwriting decisions to ensure understanding of assigned line/s of business goals and objectives
Contribute to assigned special projects by assisting with audits, participating in department product and process improvement initiatives
Adopt QBE values in personal work behaviors, decision-making, contributions and interpersonal interactions; manage own career development by soliciting feedback and valuing other perspectives
Broad working knowledge of insurance products and insurance concepts
Broad working knowledge of Microsoft Office Suite
Broad working knowledge of underwriting processes and procedures
Broad working knowledge of laws and regulations related to area of responsibility
Broad knowledge of risk profiling, pricing tools and loss models
Insurance business acumen
Use multiple resources to gather and analyze information and use logic to underwrite complex risks
Use wise, astute and insightful judgment and individual credibility to make autonomous, sound underwriting decisions
Prioritize interests of the company and community during decision-making
Clearly and confidently convey information to a wide audience
Maintain confidentiality of private or sensitive information
Keep an open mind, consider unique approaches and be open to change and considerable variety in the workplace
Professional, polished, poised and positive demeanor

183

Senior Underwriter Resume Examples & Samples

Underwrite complex new business and renewals
Provide and deliver reports on actuarial data, budgets, profits, GWP, retention
Monitor and review Underwriting standards, procedures and variations from standards
Develop and implement product strategies at a regional level
Work with National Product Managers to implement specific initiatives
Continually maintain an understanding of market influences to identify growth opportunities
Develop networks and positive relationships both internally and externally
Ensure compliance with corporate and industry regulations and standards
Assist in developing the skills of Underwriters and the Sales team in all facets of the product

184

Senior Underwriter, Accident & Health Resume Examples & Samples

Review, evaluate, and price moderately complex underwriting business by applying sound underwriting judgment and adhering to company policy and state regulations within established authority
Underwrite moderately complex insurance risks in accordance with the business plan and the personal authority to meet business objectives including negotiating rates, terms and conditions for existing and new business, managing production and issue of contract documentation, ensuring compliance with internal and external regulations and guidelines, and ensuring contribution to the business plan and objectives
Ensure adherence to loss ratio goals
Review, classify, evaluate, and price complex business within an established level of authority as a means to achieve department results
Coordinate medical review with Risk Management Team
Broad working knowledge of products and concepts relating to the insurance industry
Accident and Health business acumen
Use wise, astute and insightful judgment to make sound underwriting decisions
Identify and articulate improvement opportunities and translate them into tangible business deliverables
Ability to analyze data and use for decision making
Multi-task and handle competing priorities; adapt and be flexible in a complex changing environment

185

Senior Underwriter Resume Examples & Samples

Foster strong partnerships with customers by informing on new products and programs, communicating opportunities for continuous improvement and clarifying and explaining underwriting decisions to ensure understanding of assigned Specialty Lines goals and objectives
Contribute to assigned special projects by assisting with Specialty Lines audits, participating in department product and process improvement initiatives
5 years relevant experience preferred Insurance industry experience
Efficiently and appropriately prioritize and delegate tasks to ensure timely goal achievement
Share knowledge and mentor others

186

Senior Underwriter Consultant Resume Examples & Samples

Prepare financial modeling for reserve calculation, budget calculation, and other ongoing reviews that directly aligns with client strategies
Validate renewals and request for proposals for accuracy including utilization and experience reporting
10+ years’ experience in healthcare underwriting for any variety of products: PPO, HMO, self-funded, ASO/fully-insured, group or individual
5+ years’ experience with Risk Management

187

Senior Underwriter Resume Examples & Samples

Undertake annual credit submissions to regional credit committee for existing clients
Assess new business applications for surety transactions from brokers and direct clients
Undertake covenant reviews as per the individual client facility terms
Maintain direct client and broker relationships for surety and trade credit products
Develop new avenues for premium generation through existing client base, broker contacts and the wider AIG commercial team
Assess new business applications for trade credit applications of various size and industries
Undertake credit reviews for trade credit new business and renewals
Handle renewal business for AIG’s SME trade credit policies
Underwrite trade credit limits within authority levels and provide recommendations to senior members of the team
Occasional domestic travel may be required
Credit analysis experience, preferably in surety or trade credit but bank experience is acceptable
Exceptional relationship management
Ability to sell and work with brokers and direct clients
Flexibility to work across a number of products
Ability to work in a small team with a fluid environment where ad-hoc tasks are the norm
Willing to be a team player in an expanding team with Australasian remit

188

Residential Mortgage Senior Underwriter Resume Examples & Samples

Underwrites residential mortgage files. Evaluating credit worthiness of borrowers. This includes but is not limited to the review of financial statements, tax returns, asset statements, bank account statements. Investigates and documents large deposits and other anomalies in the credit file that may not have been documented by the Mortgage Loan Officer. Reviews appraisals to ensure appraisers used proper guidelines. Reviews and assesses whether documentation meets investor requirements and identifies which loans meet certain investors guidelines in preparation for a secondary market sale if the loan it not retained for servicing by Fulton Mortgage Company. Access and maintain a working knowledge of investor and agency guidelines including nonconforming products. Approves or recommends denial for residential mortgage applications within lending authority limit, including those of a more complex. In denial situations, reviews the reasons why the loan was denied and in some cases recommends other products to the Mortgage Loan Officer where the applicant may qualify. Performs second level review on loans that the less experienced underwriter recommends for denial. Evaluate the loan to determine if there is any other product available before issuance of denial. Underwrites, reviews and recommends approvals or denials for government loans that could include Federal Housing Administration, VA, Rural Housing Service and PHFA and nonconforming products. Provides guidance to less experienced underwriters and as needed will recommend approvals or denials for applications that are over the lending authority of other underwriters
Reviews the Fulton Mortgage Company Quality Control and investor audits and responds as appropriate with additional information or reasoning. Obtains follow up documentation as required
Acts a consultant for Mortgage Loan Officers related to different loan scenarios and what if situations. Answers questions related to underwriting and UNIFI data input and as needed assists the Mortgage Loan Officer with automated underwriting input. Assist with underwriting and product training of corporate management trainees cycling through the mortgage company, Mortgage Loan Officers, branch staff as directed by the Residential Underwriting Manager. Assists the Residential Underwriting Manager and the Secondary Market Manager with the development of new products. Assists with development of new broker and affiliate relationships. Reviews and decisions requests for removal of obligor on existing mortgage removing PMI, and partial releases of excess land
5 or more years Residential first mortgage. (Required)
3 or more years Desktop Underwriter and Loan Prospector. (Preferred)
3 or more years Federal Housing Administration, Veterans Administration and Rural Housing Service underwriting. (Required)

189

Senior Underwriter Resume Examples & Samples

1 to 5 years experience in aviation insurance preferred
Bachelors Degree; aviation or insurance related concentration preferred
Prior aviation industry experience desired
High quality underwriting and customer service skills required to handle complex coverage issues and

190

SBA Senior Underwriter Resume Examples & Samples

Bachelor’s degree required; Master’s degree preferred
4-6 years of progressive selling opportunities
Good understanding of financial institution departments and activities

191

Senior Underwriter Resume Examples & Samples

New business acquisition and marketing to approved brokers in the USA
Creating creative risk transfer solutions to unique customers’ needs while safeguarding XL’s bottom line
Maintaining a profitable portfolio of accounts
Cross-selling with other groups at XL to drive greater product density
Various Administrative duties
Four year College degree or equivalent
1 - 5 years of Construction underwriting experience (SDI, Property, Casualty or Surety) or brokerage equivalent
Experience with Large Loss Sensitive programs and/or Loss Prevention is a plus
Strong analytical and problem solving skills as well as strong sales and marketing abilities
Ability to effectively communicate and negotiate with senior personnel, brokers and clients
Excellent written and verbal communication skills in English are required. Strong computer skills (MS Office) are critical for the success of this position
This position requires willingness for flexible work hours and travel up to 50% of the time, potentially including international travel

192

Senior Underwriter Resume Examples & Samples

Minimum 5 years of underwriting experience; other related experience in mortgage lending related employment will be considered
Must be knowledgeable and proficient in the use of investor automated underwriting systems (Fannie Mae Desktop Underwriting and Freddie Mac Loan Prospector)
Ability to use a personal computer and is proficient on Microsoft Office software, including Outlook, Internet Explorer, Word, Excel, and Access
Ability to use a calculator and typewriter
Demonstrated verbal and written communication skills
Must be able to meet deadlines and handle multiple priorities
Ability to perform job functions with no supervision
Able to work flexible hours including weekends and evenings as needed or assigned

193

Senior Underwriter Resume Examples & Samples

Manage due diligence and loan documentation efforts
Assist with loan monitoring and testing requirements
Prepare written credit approval memoranda and ancillary forms for complex credit facilities
Review and analyze financial statements and supporting materials of Borrowers and Guarantors
Partner with lenders to cultivate excellent client relationships and to proactively manage the loan portfolio. Exhibit a sense of urgency towards meeting client requests while also meeting acceptable risk parameters in order to identify problems/issues to produce timely loan modifications and risk rating changes, as appropriate
Foster an open dialogue and strong working relationship with Credit Administration, Loan Operations, Managed Assets Department and other groups that support the line of business
Partner with in-house appraisal and engineering staff in ordering and reviewing third party reports such as appraisal, environmental and property condition assessments
Perform site due diligence/inspections, as applicable
Assist in the closing of loans, including reviewing internal and external documentation for accuracy
Assist in additional tasks as needed, including exception tracking and clearing, preparing and/or testing client covenant compliance, and assisting in the preparation and monitoring of ongoing financial and collateral reporting requirements
Minimum of 3 years of commercial real estate underwriting experience or commercial relationship management experience is required. Formal credit training is a plus
Possess thorough knowledge of the fundamentals that drive cash flow and values for all commercial property types, including office, retail, industrial and apartments
Knowledge of market trends and forecasts (primarily Illinois) is an essential part of accurate underwriting projections

194

Senior Underwriter Financial Lines Resume Examples & Samples

Determines acceptability of risk in accordance with company guidelines and standards. Also, determines the need for additional evidence of insurability and appropriate strategy
Negotiates with brokers to reach positive and profitable outcomes
Ensure all accounts are underwritten and structured with full regard to risk and profitability
Knowledge of underwriting and insurance industry theories and practices
Strong focus on due diligence and compliance

195

Senior Underwriter Resume Examples & Samples

Must be able to handle multiple tasks in a fast-paced environment, including having strong organizational and analytical skills
Candidates must possess strong IT skills especially Excel
Candidates must possess strong oral and written communication skills, as broker and client facing marketing is a significant part of this role
University Degree preferred
CIP/FCIP an asset

196

Senior Underwriter Analyst Resume Examples & Samples

Evaluating new and renewal submissions received to identify any missing information needed for underwriting purposes; logging submission information into proprietary underwriting systems
Identifying requested coverage and account and location specific risk attributes such as construction, occupancy, protection and other factors that affect risk; assessing the impact such attributes have on the potential for loss
Establishing appropriate structure for catastrophe coverage; securing catastrophe modeling and interpreting catastrophe modeling output data for completeness and accuracy
Evaluating historical loss history, engineering loss estimates, and other relevant risk attributes
Evaluating proposed policy wording against AIG standard wordings
Conducting risk analysis inclusive of engineering and modeling output and recommending capacity and program structure(s)
Working closely with the underwriter to create alternative structures and associated technical prices needed to support underwriter negotiations with brokers, agents, and clients

197

Senior Underwriter Resume Examples & Samples

Under general direction underwrites assigned more complex risks
Underwrites assigned risks within individual authority across numerous product lines
Reviews analysis including major underlying assumptions, decision-making processes and conclusions of lower-level underwriters
Coordinates and administers UW training
Demonstrates proven ability to develop and maintain exceptional working and production relationships
Makes independent sales calls to market and cross-market products
Manages an assigned portfolio of renewal business
Achieves established rating targets as set from by the company
Assists Management in the preparation of business, line reports and agency analysis; assists in the review of procedures to resolve issues; and trains and instructs lower level Underwriters
Participates in research projects involving identification and classification data

198

Senior Underwriter Trade Credit Resume Examples & Samples

Developing strong relationships with brokers and clients to grow the underwriter’s book of trade credit business
Training, mentoring, providing technical direction to underwriters to contribute to group revenue targets and meeting internal operations/audit directives for the division
Underwriting large/complex, new and renewal insurance submissions and negotiating policy terms and conditions
Analyzing domestic and international corporate credits, evaluating financial information, and recommending or approving appropriate credit limits and terms
Professionally maintaining and properly servicing an existing book of trade credit insurance business
Marketing, selling and presenting to brokers and insureds to increase submission flow
Engaging in various underwriting and marketing projects to improve overall company results
Meeting operating and audit guidelines and goals of senior management

199

Senior Underwriter Resume Examples & Samples

Underwrite, manage and service a cyber and technology renewal book and produce new business in accordance with business unit goals
Exercise discretion and independent judgment in the analysis and evaluation of risk
Participate in roundtable discussions on risk assessment
Negotiate with producers within the limits of delegated authority and in accordance with established underwriting standards to achieve profit objectives
Build and enhance relationships with assigned brokers and clients to identify and establish new distribution relationships
Maintain expertise with the products, services, priorities and target markets to more effectively enable clients to uncover hidden cyber risks
Promote the company's expertise by participating in industry conferences and events while regularly conducting and taking leadership roles in client and broker meetings to educate on evolving cyber risk
Maintain compliance with all internal and external underwriting guidelines and legal requirements
A minimum of 3 years Cyber and Technology underwriting experience or Underwriting experience in another area of expertise with a strong conceptual comprehension of data security, privacy, cyber and information risk
Exceptional organizational and time management skills with the ability to perform accurate mathematical calculations
Strong collaborative skills in a fast paced team-centric environment
Strong interpersonal, presentation, written and verbal communication skills
The ability to demonstrate critical thinking, decision making, and problem solving skills
The ability to travel a minimum of 15% of the time is anticipated
A Bachelor's degree is required
Continuing education or professional designations in insurance underwriting and information privacy including Registered Professional Liability Underwriter (RPLU), Certified Information Privacy Professional and Chartered Property Casualty Underwriter (CPCU) are preferred but not required

200

Senior Underwriter Resume Examples & Samples

Analyze claim experience; combine with manual in accordance with credibility factors to determine appropriate rate levels for new business and renewal accounts using a variety of pricing and funding methods
Review plan design and calculate rates for requested or recommended plan changes
Develop and communicate new business and renewal rate recommendations and decisions in accordance with level of authority
Process sold accounts and/or confirmed renewals following established procedures
Manage new business and renewal accounts from assigned regions to balance profitability and growth; monitor performance of assigned book of business and initiate actions to improve performance when needed
Develop and maintain relationships with Symetra sales and service teams including visits to regional sales offices for training and expanding sales activity and persistency
Develop and maintain relationships with Symetra clients, producers and reinsurance partners including participating in external meetings
Provide competitive feedback on rates and products to management
Develop improvements in underwriting practices, pricing and marketing strategies
Manage projects and training initiatives
Act as a mentor to junior underwriters through training, answering questions and reviewing accounts that exceed their authority level
Assist in interviewing and hiring of new staff members

201

Senior Underwriter Resume Examples & Samples

Underwrite complex property and casualty insurance risks within granted level of authorities by identifying and analyzing risk exposures, loss frequency and severity against desired coverage. Use appropriate pricing procedures and rules and modifying coverage's to meet desired customer needs. Provides technical assistance to customers regarding policy and endorsement provisions and underwriting acceptability for designated insurance coverage's
Evaluate and underwrite new and renewal accounts to maintain profitable growth and market competitiveness. Identify changes in account/market risk exposures and loss trends to maximize profitability
Develop collaborative relationships with external and internal customers. Work proactively with customer to define profitable risk accounts to develop, underwrite and bind policies. Provide effective and timely communication on risk selection and decisions and provide ongoing service to endorsement changes
Maintain strong industry knowledge on underwriting expertise and changes in market/account positions. Develop and maintain full knowledge of all forms, coverage's, ratings and manuals for the specific line being underwritten
Provides technical guidance and coaching to others with less experience and knowledge
Bachelor’s degree and 5+ years related P&C underwriting experience with underwriting authority or equivalent combination of high school education and experience required
Ability to develop and strengthen customer relationships required
CPCU or similar insurance designations and training preferred

202

Senior Underwriter Resume Examples & Samples

Assist in managing existing relationships and developing new relationships to build and sustain the Umbrella segment of business, while fostering relationships to grow in complementary areas of business. Works with senior management to accept, decline, modify, rate and quote new and renewal policies
Develop and accomplish sales, profit, expense, service and productivity goals that support and are consistent with organizational objectives
Initially, this position will be an individual contributor, reporting local management. As the business grows they will assume responsibility for leading and coaching associates
A four year college degree preferred
CPCU, ARM, CIC or other relavant industry designations are a plus
3-5 years of relevant experience demonstrating progressively increasing levels of responsibility in underwriting and sales
Active California Property and Casualty Broker-Agent license required
Surplus lines experience and some established broker relationships preferred
Ability to multi-task within a fast-paced team-oriented environment a must

203

Senior Underwriter Resume Examples & Samples

Reviews requests for quotes, develops and reviews bid specifications, benefit plan design features and financial alternatives for complex, fully insured cases as well as alternative funding arrangements
Serves as subject matter expert on underwriting policies and practices and plays a key role on sales presentations to brokers and employers
Prepares ad hoc statistical reports as requested or on regular basis
May assist the sales team in implementing new or existing contracts by reviewing enrollment participation
Comprehensive knowledge of health plans and key financial drivers
Knowledge of advanced analytical software tools. and industry practices
Ability to lead company-wide cross-functional teams of strategic importance
Assists in the mentoring and training of lower level underwriters

204

Senior Underwriter Resume Examples & Samples

Prepare moderately complex quote work up and release within authorized parameters
Identify poor cases within block, achieve expected rate increase average and persistency goals
Establish and maintain relationships with an assigned group of agents and customers in order to understand their needs and provide products that respond to those needs
Collaboration with Policy Administration and Claims Departments when necessary
Build relationships with internal and external customers by gathering inquiries, researching and analyzing issues, escalating problems as required to ensure understanding of A&H processes and procedures
Collaborate with key stakeholders by sharing information, recommending solutions to underwriting issues to transfer knowledge and support the achievement of business objectives
7 years relevant experience
Broad working knowledge of terminology, function and fundamental capabilities of common computer, software, information and communication technology devices, components, and concepts
Use multiple resources to gather and analyze information and use logic to underwrite risk exposures
Effectively and efficiently present logic, reasoning, and analysis to others

205

Senior Underwriter Resume Examples & Samples

Establishing and maintaining relationships and underwriting Primary General Liability, Automobile and Workers’ Compensation for accounts presented by appointed retail agents
Collaborating with Home Office, Loss Control, Claims and Premium Audit on accounts
Other responsibilities will include maintaining awareness of market conditions, competitors' capabilities and strategies. This position will involve marketing approximately 25% of the time
College degree and CPCU preferred
A minimum of 5-10 years of experience underwriting General Liability/Products Liability insurance
Must be self-motivated and able to work independently while maintaining underwriting discipline to achieve strategic objectives
Excellent communication and business development skills

206

Senior Underwriter Resume Examples & Samples

Write and retain a profitable book of business through solid risk analysis, pricing and servicing. Maintains compliance with state filings and adheres to corporate underwriting and pricing guidelines. Operate within written authority grant and makes referrals to Home Office Underwriting as required
Collaborates closely with territory team. Keep peers and Territory Management informed of all issues and activity
In collaboration with Territory Management, develop and implement the territory business plan and share accountability with team in meeting territory goals
Within Home Office authority grant, acts as the referral point for the territory underwriting staff
Provides the pertinent information and guidance to support staff required to process coverage requests in accordance with service guidelines
3+ years of commercial auto experience
Demonstrated ability to interpret and analyze data and make an informed, calculated risk decision

207

Senior Underwriter Resume Examples & Samples

Responsible for marketing, analyzing risk and underwriting all products for Accident & Health – Special Risk, Business Travel Accident, Multi-National, Voluntary & Basic AD&D
Participate in product form and rate review filing
Reviews all new and renewal business submissions, evaluating account performance and assisting in development of profitable terms
Develops and maintains strong working relationships with internal and external business partners
Identifies and targets new business opportunities and takes on account management responsibilities by building relationships with producers
Documents underwriting files according to established guidelines
Adhere to underwriting authority and related guidelines, and ensure appropriate documentation is included in underwriting files based on risk assessment decisions taken
Ensure any/all underwriting audit recommendations are implemented based on the action plan developed
Ensure adherence to all Corporate and Division guidelines and procedures
Develops negotiation strategies
Identifies cross-selling opportunities
Visits selected producers to establish effective relationships
Provides technical direction, training and mentoring to underwriting personnel
Work on various projects as assigned
5+ years of experience with Accident &Health
Must have strong marketing skills and proven success in a production-oriented environment
Proven ability to interact and successfully build relationships throughout a Local and Regional broker network, as well as internal stakeholders
Strong presentation, prioritization, time management, and interpersonal skills
Excellent written, verbal, organizational and analytical skills
Minimum of Bachelor’s degree
Proficient with MS Office, Outlook, etc

208

Senior Underwriter Resume Examples & Samples

Undergraduate degree is required
Minimum of five years underwriting or related experience is required
Must have an extensive knowledge of health benefit programs and financial arrangements from both a risk and cash flow aspect
Must possess superior oral and written communication skills with the ability to present information to a variety of audiences
A creative problem solving ability is required
Must be familiar with Microsoft Office

209

Senior Underwriter Resume Examples & Samples

Handling of new and renewal accounts that generate from $2,500 to $75,000 annual premium
Working with agents and brokers in the production, underwriting, pricing, and servicing of accounts within the assigned territory
Review and evaluate profit, volume, and service results for assigned producers
May be asked to assist in training underwriters, trainees, underwriting assistants and clerks in technical aspects of job

210

Senior Underwriter Resume Examples & Samples

Lines of business underwritten include: workers compensation , general and professional liability, auto liability and physical damage, , umbrella, property and excess liability
Meet profitability, retention and written premium goals determined by the department
Make independent decisions within underwriting letter of authority and maintain proper file documentation
Assist in developing annual business goals for assigned agents/producers. Responsible for analyzing results and maintaining accountability of agency partners within the department
Has an in-depth knowledge of department products and services
Can clearly articulate the department's value proposition and underwriting appetite
Participate in training and initiatives to develop knowledge base
May participate in projects
Travel - up to 25%

211

Senior Underwriter Resume Examples & Samples

Meet profitability, retention, and written premium goals determined by the department
Makes independent decisions within underwriting letter of authority and maintains proper file documentation
Can clearly articulate the department's value proposition
Participates in training and initiatives to develop knowledge base. May participate in projects
Travel may be required (current drivers license)

212

Senior Underwriter Resume Examples & Samples

Underwriting both new and renewal lawyer’s professional liability business within assigned territory. Assisting in achieving profitable premium and rate goals, working with actuarial and claims and successfully delivering results consistent with financial plan
Working with underwriting managers in furthering the XL Catlin and achieving business’ financial plan
Working collaboratively in a team environment with underwriters, underwriting assistants and management team
Ensuring high quality service standards and compliance with all internal audit guidelines
Acting as a representative of the company and our agents by attending internal/external company functions, agent sponsored and industry events
A minimum of 5 years of experience in lawyer’s professional liability underwriting
Professional registration or other designation preferred:, JD, RPLU, CPCU, IIA, CRIS preferred
Demonstrated ability to build and maintain strong insured and broker contacts

213

Senior Underwriter Resume Examples & Samples

Underwriting both new and renewal business within assigned territory. Assisting in achieving profitable premium and rate goals, working with actuarial and claims and successfully delivering results consistent with financial plan
Developing, maintaining and servicing broker relationships within the distribution model. Coordinate with brokers to determine their marketing and education needs supported by XL Catlin Design Professional Platform
Working collaboratively in a team environment, assisting underwriters, underwriting assistants and management team
Developing technical knowledge of design professional risk management to act as a resource on our product including ability to deliver educational programs, contract reviews, assist with policy coverage evaluations
Professional registration or other designations: LLB, JD, BSc, BEng, RPLU, CPCU, IIA, CRIS preferred

214

Senior Underwriter Resume Examples & Samples

Review, underwrite and price applications and endorsements
Secure additional underwriting information
Negotiate terms
Development of programs
Day-to-day involvement and audits
Strong organizational, interpersonal and communication skills
5-7 years Commercial Lines underwriting
Multi-line, countrywide
Commercial Property and Casualty License
Proficient with MS Word and Excel
Strong in forms analysis/comparison
Program background
Rate filing background a plus

215

Senior Underwriter Resume Examples & Samples

Six+ years of prior experience in defined benefit/defined contribution plan design or analysis, structured annuities pricing, insurance or pension consulting or actuarial background with focus on pension products
Demonstrated broad financial acumen including knowledge of financial analysis and actuarial principles
BA/BS in Finance, Mathematics, or Actuarial Science, or related field; progress towards FSA, CFA, MBA or advanced degree coupled with underwriting experience
Ability to work and thrive in a team environment, possess excellent interpersonal, written and oral communication skills and having a high level of comfort with presenting complex material to various levels of senior management in a clear, focused, and concise manner

216

Senior Underwriter Resume Examples & Samples

Responsible for all BPS on-boarding activity from receipt of application through to customer set up and fulfilment (UK, International/ Cross Border)
Supporting digital channels including Barclays Branch network
On-boarding for all customers/ partners and franchises
Cover all aspects from application input through to sanction and e-COMM store creation
Also complete all additional outlets / customer roll outs
Maximising unit flow on and offshore
45% - Case Management
Speed and accuracy are essential attributes for the role as consequences of errors can have a direct impact on Barclaycard income and profit
Take ownership and make decisions on individual cases for the financial assessment in line with the Recruitment Policy
Analyse cases (within a discretionary limit of a minimum of £250k) using information within the internal system , customer accounts, using own judgement and initiative
Maintenance of internal Databases as part of control compliance
Complaint Management level 1
20% - Quality Assurance
To undertake and feedback on quality to colleagues within the team; checking applications to ensure all compliance and legislative requirements are met including Risk Policy, Fraud regulations etc
Recording, reporting and challenging any errors found ensuring any corrections required are followed through regularly feeding information to line manager
Support coaching and development of colleagues in team
20% - Stakeholder Management
Maintain effective and professional relationships with our key stakeholders to ensure a coordinated approach thus minimising time taken to process applications and minimising errors
Liaise with other business areas and team colleagues in order to meet customer requirements & expectations
Provide support in answering queries from key stakeholders on an applications status, policy and application disputes
10% - Change Management
Being close to the role, the job holder is strongly encouraged to identify issues and areas for improvement, offer solutions and implement efficiencies
Drive forward small scale change initiatives within the team
Challenge Risk policy & internal procedures to ensure best possible outcomes can be made for both the business & our customers
Support and assist in new project associated with the Underwriting process
5% - Control
Risk and Control: All Barclays colleagues have to ensure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise Wide Risk Management Framework and internal Barclays Policies and Policy Standards

217

Senior Underwriter Resume Examples & Samples

Review insurance application files for new business, reinstatements and coverage change requests
Establish and maintain effective relationships with producers, including communicating the underwriting decision
Balance investigative costs for tests/assessments versus risk management requirements to make informed underwriting decisions and determine steps to be taken to fully evaluate the application, including identifying additional required information and/or professional resource assessment reports
Order required medical tests/assessments, as required. Arrange for any additional required assessments from professional resource contacts and contact the producer to obtain missing application information
Research, interpret and analyze information relevant to the application, including product details, legislation, rate manuals, medical/drug reference books, applicant insurance history, motor vehicle reports and other relevant sources. Access (decode) confidential medical information related to the applicant through the Medical Information Bureau (MIB)
Efficiently document the applicant file on the Underwriting systems as additional information is received. Code and enter data from received medical reports to the information system
Complete a full underwriting assessment of the application following the receipt and review of all required information, considering potentially competing factors such as new/increased business income to Foresters versus risk of significant financial loss. Consult with Chief Underwriter as required on complex underwriting issues
Finalize the underwriting decision within approval limits as assigned by the Chief Underwriter, carefully distinguishing standard from preferred and preferred plus risks, and authorize issues of the new or revised insurance certificate for approval applications
Initiate processes to refer application files for reinsurance as required
Compose related correspondence to members/producers related to the information required to assess the application; advisory letters to the member and producer regarding the approval/decline of the application, letters containing confidential medical information to the applicant’s physician related to a decline decision
Participate in the research, review and analysis of underwriting related legislation and regulations, and current underwriting issues and trends, and participate in the review and development of new/revised underwriting policies, procedures, systems and standards as assigned by the Chief Underwriter
Work with the Medical Director on cases as required
Travel to Toronto, Ontario, Canada will be required
5 plus years of underwriting experience
Strong medical and financial underwriting knowledge
Experience with simplified issue and final expense type products
Knowledge of underwriting theory, principles, methods, systems, processes and standards attained from Part One of the Academy of Life Underwriting program and underwriting experience
Demonstrated risk assessment skills
Consultation and communication skills to make consistent and appropriate underwriting decisions within Foresters policies and standards
Consultation and communication skills to request information from a broad range of resources/professionals as required; providing detailed information related to the application decision to the producer
Knowledge of the interpretation and application of underwriting legislation and regulations across the US
Knowledge of the Foresters purpose, goals and objectives to ensure compliance of decisions with Foresters policies and standards
Ability to learn and understand in detail, Foresters insurance products and contact provisions to review and assess applications in order to make effective underwriting decisions
Completed LOMA/ALU courses

218

Senior Underwriter Resume Examples & Samples

Manage renewal book of business between $6M-$8M in premium
Annual new business goal between $1M-$3M in premium
Work to become proficient in the suite of Environmental Insurance products offered by AIG (internal training courses provided by AIG)
Assist with staff development and training
Skills desired: Analytical, Strong Communication and Work Ethic, Time Management, Technologically Sound, Ability to Work Independently
Beneficial Skills/Attributes: Environmental Consulting or similar experience helpful, Knowledge of Insurance Market, Portfolio Management, Acquisition & Development, and Sales & Marketing

219

Senior Underwriter Resume Examples & Samples

Develop and maintain highly effective business relationships with assigned agents and brokers in order to attract, develop/grow and retain profitable business in your assigned territory
Performs a hazard analysis by combining knowledge and experience with available information on the prospect's/renewal's and its industry, and where appropriate, collaborates with experienced underwriters and other departments to evaluate a prospect's/renewal's potential exposure to loss
Applies understanding of insurance with the hazards identified for the customer to assess the customer/broker request and determine acceptable coverage grants by line of business that address the customer's critical insurance and service needs
Given the customer/broker request, the hazard, coverage, and loss analyses, and the competitive situation, recommends program structures (coverage, limits/retention, rating plan/pricing, and billing combinations) achieving desired Business Unit goals, including long term profitability
Completes all required steps on documentation and account management
Communicate and collaborate across the organization- such as Claims, Product Management, Loss Control, Legal, Credit, Distribution, and Production-- to provide solutions/recommendations and achieve organizational success
The ideal candidate is a highly knowledgeable and disciplined underwriter with experience managing construction risks and a track record of growing a book of business that performs well over the long term
Excellent knowledge of commercial insurance coverages, contracts and underwriting guidelines as normally acquired and a related bachelors degree eight to ten years of commercial lines underwriting experience preferred
Ability to make good business decisions based upon a mixture of analysis, wisdom, experience, and judgment
Strong communication and influencing skills to build immediate credibility, both internally and externally; an ability to present effectively to a wide range of audiences
Ability to negotiate skillfully in tough situations; gains trust of others and has a good sense of timing
Insurance specific designations (e.g. CPCU, CRIS) desired

220

Senior Underwriter Resume Examples & Samples

Graduate level degree in business, economics, insurance or marketing
Insurance qualification
FAIS compliant
Minimum 5 years experience in the business. Industry attachments will be considered favourably
Business Plan development
Career Development
Distribution Management
Insurance industry knowledge
Insurance industry regulations / codes

221

Senior Underwriter Resume Examples & Samples

Minimum of 5 years’ experience as a Life Underwriter in New Zealand or a similar market
An industry relevant tertiary level qualification
Excellent organisation and time management skills and ability to prioritise
Negotiation and persuasion skills and an ability to handle conflict
Ability to remain calm and focused under pressure and work to deadlines
A proactive, results-oriented and problem solving approach to ensure business objectives are met

222

Senior Underwriter Resume Examples & Samples

Determine class fit of small business accounts across our targeted commercial lines of business. Targeted commercial lines of business are primarily Workers Compensation and BOP products
Determine plan of action for renewals utilizing loss control inspections, loss experience reports and third party data providers
Assist the Regional Underwriting Vice Presidents in resolving agency disputes or problems
Manage book of business to achieve profitability goals utilizing reporting tools and daily correspondences with claims, loss control, and distribution partners
Build productive and positive relationships with assigned agents
Manage facultative reinsurance placement based on corporate guidelines
Work closely with, and provide direction to, underwriting assistants across all aspects of the underwriting process
Must have completed and/or be participating in technical insurance course programs
Knowledge of property and casualty underwriting procedures and policies in addition to worker’s compensation, BOP, package, monoline auto, monoline GL, and umbrella
Knowledge and understanding of ISO/CLM computer programs and Microsoft Office Applications
Strong analytical ability and organizational skills. In addition, must have a demonstrated ability to lead, plan and work well with others
Experience in and ability to handle commercial risks which generate a premium level up to $150,000

223

Senior Underwriter Resume Examples & Samples

Underwrite and process assigned renewal policies, which includes applying knowledge of coverage forms, rating plans and guidelines in the selection and pricing of individual risks, change requests, and open communication with internal and external customers. Ensure adequate pricing of individual risks through proper classification, Knowledge Management/Predictive Modeling, accuracy of information and adherence to company underwriting standards and philosophy. Refer all outside authority level to the appropriate level
Answer incoming calls from agents responding to inquiries on coverage, and making adjustments to policy information based upon prescribed authority. Conduct outbound calls and follow-up work to agents required to close out inquiry/transaction. Conduct agency visits as required
Provide guidance to internal and external customers regarding various underwriting information. Effectively communicate underwriting decisions and appetite to internal and external customers. Reinforce the ease of doing business with Selective by meeting or exceeding customers’ expectations and service quality on a consistent basis
Develop and maintain effective working relationships with the following: internal and external customers, manager, peers and agents. Communicate openly and in a timely fashion. Participate in the development of individual and team goals and work diligently to achieve them. Support all team decisions
May provide CLAS coverage and system training to both internal & external customers. May provide line of business or product expertise to the department. Participate in training less experienced underwriters
Increase renewal premium by cross-selling additional coverage, products or services
3-5 years of commercial underwriting experience preferred
Ability to effectively communicate with internal and external customers/peers
Ability to adapt to change as the company moves forward in its strategic vision

224

Senior Underwriter Resume Examples & Samples

Pre-qualification Assessments and Evaluations. This Underwriter will evaluate the financial strengths and risks of preliminary financing requests (incorporating the Bank’s credit culture, Bank policies and procedures, and the current economic and industry trends)
Underwriting. This Underwriter will gather due diligence and track supporting documentation required for credit compliance (per Bank and group policies). Underwriter will review credit inquiries, financials, and resumes for the credit’s sponsor and development/property management teams. This Underwriter will analyze and summarize historical financial information, financial projections, third-party due diligence reports (appraisals, environmental phase 1s, market studies, property condition assessments, title reports, insurance policies, etc.) related to the collateral property. This Underwriter will analyze all information necessary to prepare and present accurate and complete financing proposals to senior management and/or Loan Committee for approval. Underwriter will meet with existing or potential customers (when necessary) and will visit and inspect collateral sites
Processing and Servicing of Approved Loans and Bonds. This Underwriter will ensure loans and bonds are processed and booked according to the loan and bond agreements as well as Bank policies and procedures. Underwriter will assist in the collection of customer information and/or documentation to comply with Bank compliance and booking policies. Underwriter will assist in solving problems relative to processing and servicing of loans and bonds within the team’s portfolio. Underwriter will assist in the financial reporting tracking and monitoring of loans and bonds. Underwriter will ensure disbursements are made in accordance with respective agreements and Bank policies
Other Post-closing Responsibilities. Underwriter will assist in negotiations, underwrite and process renewals/modifications of credit facilities
Deposit Account Tracking. Underwriter will review deposit accounts for monthly balances and report any unanticipated findings. Underwriter will assist with the prompt processing of NSF and overdraft matters
Bachelor’s degree from a four (4) year college or university and a minimum of two (2) years of related experience and/or training; or the equivalent combination of education and experience
O Work related experience should consist of a financial analyzing and/or a lending background

225

Senior Underwriter Resume Examples & Samples

Have the ability to self-motivate and thrive under pressure whilst maintaining accuracy and service standards
Understanding of credit risk analytical techniques
Knowledge of legal and regulatory regime regarding the treatment of residential customers in arrears
Preferably experience of manually underwriting mortgages
Ability to work across sites and loan books in line with business/client requirements

226

Commercial Bank Risk-ccb Senior Underwriter Resume Examples & Samples

Lead and/or participate in client due diligence meetings
Use financial models to incorporate the impact of forward-looking risk assessment on key value drivers
Prepare credit approval materials, and present and recommend credits for approval at appropriate level
Work with bank examiners and internal credit reviewers to validate credit quality and integrity of the credit process
BA/BS degree required, MBA/CFA a plus
Meaningful commercial credit transaction experience, ideally involving lending to specialty finance companies or other financial institutions - experience with asset-based structures is preferred
Strong interpersonal skills to interact effectively with clients, bankers, product partners, and senior management
Strong computing and financial modeling skills

227

Senior Underwriter Resume Examples & Samples

Evaluate and price complex Personal Lines business by analyzing property characteristics, identifying hazards, reviewing inspector comments and utilizing authority to approve risk exposures written by lower level underwriters and ensure overall profitable risk selection
Identify and minimize complex, high-coverage risks by performing due diligence through utilizing internet resources, vendor tools and claims risk alert recommendations to identify inconsistencies, review additional exposures and ensure risk selection contributes to business growth
Ensure adherence to Personal Lines underwriting standards, objectives and guidelines by managing own workload and processing complex policies in a timely and efficient manner to meet department production requirements, state regulatory requirements and agent expectations
Coordinate the resolution of complex Department of Insurance (DOI) inquiries by delegating complaints and collaborating with team to gather relevant facts, draft responses and assist regulators with determining validity and compliance of underwriting decisions
Coordinate claim reformations by collaborating with team to gather relevant information, document factors on the reformation form and submit to managers for review and approval
Foster strong partnerships with agents by leading training sessions, informing on new products and programs, communicating opportunities for continuous improvement and clarifying and explaining underwriting decisions to ensure understanding of Personal Lines goals and objectives
Contribute to assigned special projects by assisting with Personal Lines audits, participating in department product and process improvement initiatives and working on refinement of referral rules within automated underwriting system
Mentor new underwriters by sharing knowledge, resolving escalated issues, developing underwriting skills and training on best practices to ensure alignment with Personal Lines underwriting objectives
4 years relevant underwriting experience within a high-production environment, increasing levels of responsibility
Bachelor Degree or equivalent combination of education and work experience
Personal lines underwriting experience; insurance coursework
Chartered Property Casualty Underwriter (CPCU) or Certified Insurance Counselor (CIC) designation
Broad working knowledge of personal lines products and insurance concepts
Advanced working knowledge of Microsoft Office Suite
Advanced understanding of insurance automation, mainframe operating systems and XM processing systems
Advanced working knowledge of underwriting processes and procedures, including rating and protection class information
Advanced working knowledge of laws and regulations related to area of responsibility

228

Senior Underwriter Resume Examples & Samples

Develop and manage assigned agents using the Agency Company Business Plan (ACBP) process
Foster strong partnerships with customers by informing on new products and programs, communicating opportunities for continuous improvement and clarifying and explaining underwriting decisions to ensure understanding of corporate underwriting goals and objectives
Contribute to assigned special projects by assisting with corporate underwriting audits, participating in department product and process improvement initiatives
Broad working knowledge of corporate underwriting products and insurance concepts
Corporate underwriting business acumen

229

Senior Underwriter Resume Examples & Samples

To handle the day-to-day underwriting, including new business, mid-term adjustment, and renewal requirements of the Australian Marine portfolio
To plan, manage and control the underwriting and business development activities with the objective of achieving optimum profitability and efficiency
Contribute to the direction of the portfolio with the aim to achieve the business plan targets and other goals
Build strong trading relationships with all key brokers and clients
Develop new business opportunities; implement leading edge products and solutions
Ensure compliance with Group and Regional Underwriting Guidelines, with Lloyd’s, FSA and appropriate local requirements as well as with other external legal and regulatory requirements
Take active role in the peer review process, acting as referral point at times
Underwriting: Minimum 5 years’ related experience within the insurance sector
Legal & Regulatory Knowledge: Strong knowledge of insurance coverage law and claim regulations in Australia
Strong Collaborator: Develop and maintain productive working relationships with insureds, brokers, claim handlers, and legal counsel. Provide guidance and seek input from others as needed to achieve the best result possible
Strong Communicator: Proven verbal and written communication, collaboration, presentation and influencing skills. Able to communicate effectively with internal and external stakeholders
Results Oriented: Approach tasks proactively, prioritise. Strong analytical and sound judgment skills with the ability to take initiative and to work independently
Continuous Improvement Focused: Willing to ask questions and explore new ideas. Eager to learn and focused on continuously improving technical skills
Willing to travel as required by the business
Customer Service: High dedication to client, team and vendor relations evidencing professionalism and diplomacy in all situations
Ethical approach: Have an impeccable reputation for ethics, integrity and the highest standards of professionalism

230

Senior Underwriter Resume Examples & Samples

Provide assistance to the Northeast Region Property Manager (RVP) in the development of the firm's property insurance business
Underwrite, maintain, and grow a book of business in the E & S Property specialty
Develop and maintain client/broker relationships; evaluate and prioritize submissions; analyze exposure, coverage and contract language; formulate structure and determine pricing; and negotiate the final property insurance product
Prepare and deliver presentations
Bachelor's degree required. Preference will be given to those candidates with professional designations, particularly CPCU & ARM
Prior experience and success in producing business. At least 3 years of property underwriting experience

231

Senior Underwriter Resume Examples & Samples

Responsible for ensuring adherence to HPHC underwriting guidelines for group accounts to develop accurate Premium or ASO rates in a timely manner; works closely with Sales colleagues and Actuarial colleagues to ensure timely and accurate renewals
Responsible for the integrity of the premium setting process and analysis at the group specific level; Ensures adequate premium revenue for Harvard Pilgrim Health Care by evaluating the risk of new/existing membership and the associated claim liability
Applies understanding of all funding arrangements on a daily basis to meet client and plan needs, as book of business assignments reflect high profile employer groups and are typically among the most complex accounts underwritten
Negotiates rates with employer groups, brokers and consultants and attends client meetings as needed
Maintains strong interdepartmental work relationships; participates in assigned cross-functional teams
Prepares analytics and reporting of book of business for Underwriting Management on a regular basis and is expected to meet or exceed contribution and membership targets as defined by senior leadership
Maintains a thorough knowledge of factors that influence market conditions in all states where HPHC conducts business and understands the regional differences
Participates in the strategy-setting meetings for prospects, renewals and RFP rate requests
Performs ongoing review of work processes to ensure continuous quality improvement
As assigned, provides leadership, training, work direction and coaching to fellow underwriters in a team environment
Other duties and projects as assigned

232

Senior Underwriter Resume Examples & Samples

Anticipates customer needs and proactively develops solutions to meet them
Serves as a key resource on complex and/or critical issues
Solves complex problems and develops innovative solutions
Performs complex conceptual analyses
May lead functional or segment teams or projects
Provides explanations and information to others on the most complex issues
Responsible for determining premium rates
Uses underwriting principles, financial and statistical modeling, and trend projections to lead and/or support the development of the organization's pricing and rate setting process
Analyzes risks and selects proper categories and rates
Responsible for assessing and pricing the financial risk associated with group or individual prospective and renewing cases
4+ years’ experience in healthcare underwriting

233

Senior Underwriter Resume Examples & Samples

Minimum of 4 years’ currentconventional non-conforming underwriting experience in a wholesale or retail environment
Current or previous signing authority of $750,000 or more required
Manual underwriting experience preferred
Current knowledge of RESPA and MDIA regulations
Strong knowledge in "A" Paper, FNMA/FHLM; FHA/VA programs beneficial
Proficiency with MS Excel, MS Word, Desktop Underwriter, Loan Prospector, and Calyx Point
Demonstrate high volume productivity
Work independently and be "self-motivated"

234

Senior Underwriter Resume Examples & Samples

Bachelor’s degree (or equivalent)
Five years of Personal Lines Property & Casualty Insurance experience
Three years experience of underwriting highly technical risks
Knowledge of underwriting concepts, practices, and procedures
Analytical and quantitative skills
Strong influencing, negotiation, and communication skills
Must be well-organized and have the ability to work independently as to "own" their book of business
Positive, energetic, self-motivated, and possesses strong interpersonal skills
Microsoft Excel knowledge

235

Senior Underwriter Resume Examples & Samples

Review complex policies to verify acceptability based upon company underwriting guidelines and granted underwriting authority
Consult with general agents to obtain further information, quote rates, or explain underwriting guidelines
Provide technical expertise to the Underwriting department in determining rate and product changes
Accountable and responsible for the performance of assigned underwriting territory, including growth and profitability
Your focus is to establish strong relationship internally and externally and to act as the critical interface between the agent and the company. You are expected to continuously contribute to improve current working and underwriting practices
3-5 years of Garage underwriting experience
This position requires willingness for flexible work hours and travel up to 20% of the time to the assigned agent offices

236

Senior Underwriter Resume Examples & Samples

Devise and directly negotiate complex financial arrangements and settlements, as required, with client officers and personnel in local and national brokerage firms (with modest supervision); attempt to find solutions that will go beyond cursory responses to quote activity and find creative solutions to sell responsible business
Develop and maintain excellent policyholder, producer and field relations
Advise internal sales and external constituents (with modest supervision) on benefit design, legislative requirements, alternate financial arrangements and industry trend
Monitor trends and identifies the need for new or revised procedures and practices
Recommend improvements in underwriting and marketing strategies
Identify and resolve issues proactively
1+ years of professional experience in underwriting, finance, accounting or actuarial
Previous experience with customer/client interaction such as account management

237

Senior Underwriter Resume Examples & Samples

Has responsibility for risk selection / rejection, pricing, retention, growth and profitability per divisional objectives
Analyzes coverage and limit requests and decides what terms to offer
Prices business in accordance with company guidelines
Assesses risk quality and compliance within company guidelines and initiates appropriate loss prevention actions
Orders and screens miscellaneous reports needed in the rating and underwriting processes, such as Motor Vehicle reports, loss history reports, credit checks, outside inspections, loss control, etc
Develops and maintains effective business relationships with internal and external customers / coworkers in order to attract and retain profitable business
Develops relationships with agents & brokers through telephone interactions
May provide guidance and assistance to lower level positions
2 to 5 years of related experience. Progression toward certification in area of expertise preferred; appropriate certifications could include Associate in Underwriting (AU), Chartered Property Casualty Underwriter (CPCU), Certified Insurance Counselor (CIC), Program in General Insurance (INS) or Associate of Risk Management (ARM)

238

Senior Underwriter Resume Examples & Samples

Assess applications for Life, Critical Illness, Disability, Overhead Expense and EHC up to authority level, within published service standards
Experienced in analyzing medical, non-medical and financial information according to company philosophy
Determine appropriate requirements to maintain morbidity, mortality and pricing objectives
Build and maintain strong service-oriented customer, advisor and TPA (Third Party Administrator) relationships
Develop and maintain positive, co-operative working relationships within Underwriting, New Business and other departments
Engage in telephone contact with customers, advisors and TPAs to expedite file handling
Handle referrals and co-signing requests from Junior and Intermediate Underwriters within service standards
Handle rescissions and contestable claims
Excellent decision-making skills
Extensive knowledge of medical impairments, co-morbidity and non-medical factors
Extensive, in-depth knowledge of insurable interest and financial underwriting. Must accurately interpret tax returns and corporate financial statements
Excellent time-management skills
Excellent customer service and listening skills
Strong team player. Ability to work well in a team environment
Willingness to embrace change and innovation
Proficient in Lotus Notes, Microsoft Word, Power Point, Affinity Markets’ Underwriting system(s)
Preferred location is Toronto, but could also be Kitchener-Waterloo

239

Senior Underwriter Resume Examples & Samples

Minimum 10 years underwriting experience with thorough technical knowledge of underwriting, rating methodologies, forms and business processes
Candidate needs to have basic understanding of global property underwriting along with a solid domestic underwriting skillset. Large account experience and HPR background is a definite advantage
Bachelor’s Degree preferred with Engineering background a plus
Professional designations FCIP or CRM, or working towards same
Travel is estimated at 10– 15%

240

Senior Underwriter Resume Examples & Samples

Responsible for a book of business of renewing accounts, or assigned volume of new applications or RFP’s. Utilizes various systems and tools to obtain necessary data and accurately complete and track assigned work
Identifies questionable claim patterns of renewal clients and issues with competitor’s claims experience for prospect clients and develops recommendations to account for these situations
Risk Analysis
Applies corporate risk management policies and adjust for unusual situations that may not have been considered in the standard pricing formula
Team Role
Guides, assists and provides technical assistance to lower level analysts
Ability to use applicable computer systems, electronic tools and applications
Demonstrate ethical business practices with adherence to all privacy and confidentiality policies and regulations

241

Senior Underwriter Resume Examples & Samples

5+ years of Commercial Insurance Company, Agency or Brokerage experience
Working knowledge of US Property lines of business, including product features, forms, regulatory environments and risks etc
Comfort with analytical tools and technology

242

Senior Underwriter Resume Examples & Samples

Six+ years of prior experience in defined benefit/defined contribution plan design or analysis, structured annuities pricing, insurance consulting or actuarial background with focus on insurance, or pension products
BA/BS in Finance, Mathematics, or Actuarial Science, or related field
Progress towards FSA, CFA, MBA or advanced degree coupled with underwriting experience
Project management experience is highly valuable
Previous experience managing staff at various levels a plus

243

Senior Underwriter Resume Examples & Samples

Uses independent judgment and initiative to support business growth. Maintains a high level of customer service
Analyzes coverage and limit requests and decides what terms to offer. Prices business in accordance with company guidelines. Assesses risk quality and compliance within company guidelines and initiates appropriate loss prevention actions. Orders and screens miscellaneous reports needed in the rating and underwriting processes, such as loss history reports, credit checks, outside inspections, loss control, etc
Develops and maintains effective business relationships with internal and external customers/coworkers in order to attract and retain profitable business. Interprets, explains and markets products and services. Develops, relationships with agents and brokers through telephone interactions
Visits agents, brokers and producers in order to retain existing accounts, build and maintain business relationships and develop new opportunities in support of divisional objectives
Applies underwriting rules and guidelines, rating manuals and insurance laws and regulations
Must have a Bachelor’s degree and a minimum of 3-5 years commercial property underwriting experience, or equivalent work experience
Demonstrates technical knowledge with moderate to complex underwriting concepts
Must also have a thorough knowledge of accounting, finance and economic principles
Position requires occasional travel, including some overnight trips

244

Senior Underwriter Resume Examples & Samples

Assist with the training and development of more junior underwriters
Financial forecasting / budgeting
Strategic thinking on continued growth
Ability to create and develop strong working partnership within a matrix organization
Bachelor’s degree in Math, Finance or related degree
4+ years of experience with healthcare underwriting for any variety of products: PPO, HMO, self-funded, ASO / fully-insured, group or individual
An intermediate level of proficiency with MS Word, Excel and PowerPoint
Superior oral and written communication skills

245

Senior Underwriter Resume Examples & Samples

Manages and Underwrites profitable book of new and renewal business per XL Catlin Guidelines
Cultivates key broker relationships to focus on larger new business accounts
Advocate and cross sell other XL Catlin product lines to further drive the XL Catlin business as a whole. Support unit’s service standards in delivery of product
Participate in special projects as needed
5+ years of experience in the insurance industry
5+ years of underwriting experience preferred
Solution oriented, marketing focused and collaborative
Ability to work in an environment with complex transactions under strict deadlines
Ability to handle a large volume of accounts with the flexibility to take on overflow business from other teammates when needed
Ability to execute business strategies
Ability to establish broker-client relationships
Strong team player who is willing to work in a highly collaborative and fast-paced environment
Travel is estimated at 10 – 15%

246

Senior Underwriter Resume Examples & Samples

Supporting the successful execution of the Western region’s strategic plan
Handle an existing renewal portfolio of Umbrella and Excess business and grow the portfolio with profitable new business to support the unit's overall budget objectives
Broker and Client facing visibility in the assigned territory at a high level to convey underwriting appetite and general capabilities. Strong communication skills required
Working independently, you will be granted underwriting authority based on experience subject to Corporate Casualty Regulations and Guidelines
Cultivate key broker relationships within the region to maintain a steady flow of business opportunities
Underwriter plays an important part in providing clients with a service that supports the positive image of the company
Underwriter cross-markets with other XL business units; collaboration skills required
5-7 Years Excess Casualty experience preferred but Primary Casualty experience will be considered
Strong marketing relationships within the Western Region, specifically in WA, OR, CA, CO

247

Group Health Senior Underwriter Resume Examples & Samples

Assess highly complex and sophisticated client risk, understand the strategic implications of the competitive carrier/product marketplace and make sound underwriting-based assumptions to find solutions to meet assigned client objectives
Maintain good carrier and vendor relationships and understand the impacts of Healthcare Reform on the landscape
Renew and market carriers for assigned book of clients
Analyze client demographics and other data to determine risk and appropriate carrier product solutions
Calculate regular claims analysis for reporting and benefits benchmarking
Communicate results directly to client and/or confer with Group Health Underwriter Manager for more complex situations
Provide direction to other analysts in drafting and distribution of Request for Proposals (RFPs) or Request for Renewals (RFRs) and follow up with carriers, as needed
Analyze and calculate client rates and benefit costs
Analyze annual renewals and proposals from carriers for accuracy and financial soundness on all factors
Negotiate with carriers on behalf of assigned clients
Follow process improvement protocols for department and make suggestions
Design and create presentation reports for assigned clients
Ensure accuracy of premium rates and benefits collected from carriers
Work as a team with account managers to understand expectations for meeting deliverables
Bachelor’s degree in Math or related field, or equivalent education and related training
Five years of experience in the field of health and welfare benefits underwriting or equivalent
Exceptional organizational and multi-project management skills
Attention to detail and quality-oriented
Effectively work within a team environment
Knowledge of alternative funding methodologies
Pursuing Registered Healthcare Underwriter (RHU) and/or taking actuarial exams preferred
Ability to effectively articulate and defend processes and methodology to internal and external clients

248

Senior Underwriter Resume Examples & Samples

Will report to Vice President, Underwriting, Contract Binding Submit/Brokerage Unit
Underwrite, maintain, and grow a profitable book of business in Arch’s Contract Binding Operation’s (“CBO”) Scottsdale Contract Binding Submit (“CBS”) Unit
Develop and maintain relationships with agency partners by travelling to their offices, participating in Web-Ex meetings, as well as phone and email contact on a daily basis
Expertise in evaluating accounts, analyzing exposures, coverage, and contract language for General Liability, Products Liability, and Package/Property Coverages
Will utilize CBO’s portal to assist in developing pricing, terms, quotations, binders and policy issuance
Provide excellent service to our agency partners, with 24-48 hour turnaround time on submissions
College degree or equivalent insurance experience. Professional designations are preferred
Prior experience and success in producing and underwriting business to an underwriting profit
Five to seven years of Property/Package, General and Products Liability experience required
Strong working knowledge of ISO and Property related rules and class codes
Demonstrated analytical and problem solving abilities
Must have well developed business and social skills with capabilities for strengthening client/broker relationships
Strong communication skills; excellent oral and written communication skills a must
Technological capabilities in Microsoft products such as Excel, Word and PowerPoint are essential
Some travel outside of Arizona will occasionally be required

249

Senior Underwriter Resume Examples & Samples

Analyze practical problems and resolve complex transactions when confronted with minimum detailed, concrete or standardized information
Lead Initial (and all follow-up) Deal Team meetings to evaluate strengths and weaknesses of prospective loans, understand Fannie Mae DUS and Freddie Mac Program guidelines and offer direction to the team for guide compliance, establish underwriting/closing timeline, and make borrower introductions
Manage to customer satisfaction and internal timelines for transaction funding
Compile independent data and form conclusions on market conditions, management, property condition, and sponsor
Review reports prepared by third party consultants to determine market value, physical needs, environmental concerns and architectural/cost requirements are being met for multifamily and healthcare properties
Review of specialized documents such as ground leases, regulatory agreements, Section 8 contracts, bond documentation and operating agreements
Perform financial analysis including trend and cap rate analysis, capital expenditure requirements and proforma NOI and DSC calculations
Analyze and evaluate complex ownership borrower structures relative to legal and financial responsibilities and obligations
Complete property site inspections
Prepare waiver/exception justifications
Complete loan narrative incorporating strengths, weaknesses and mitigants in the overall transaction
Work closely with closing and pricing during rate lock to ensure the approved loan amount and structure is appropriately matched to the approved rate lock terms
Review for accuracy the draft commitment letter to be issued to the borrower to ensure commitment accuracy
Review and approve data input
Mentor Analyst and Processor
Additional duties as deemed necessary by management
Bachelor’s Degree with exceptional academic performance
7+ years of experience in underwriting Fannie and/or Freddie multifamily loans is required
Outstanding analytical, written and verbal communication skills, and attention to detail
Strong organizational and time management skills—ability to successfully work on several transactions simultaneously
Ability to operate under demanding deadlines
Ability to recognize and mitigate risk
Ability to work independently and in teams
Ability to travel as needed

250

Senior Underwriter Resume Examples & Samples

Reviews and evaluates initial and renewal submissions; including credit, and makes decisions regarding underwriting of account
Reviews and evaluates rates and forms for adequacy
Reviews premium audits
Prepares appropriate correspondence and other documentation in compliance with Company policies and federal and state rules and regulations
Evaluates, approves and appoints agents and brokers as producers
About 40% field work traveling a state or multi-state territory working with producers including prospecting, appointing, and terminating appointment contracts
Responsible for training producers on products and automation platform(s) and marketing communications
7 years commercial underwriting experience, and either a current professional insurance designation such as AU, CIC, CPCU, or equivalent, or a current agent license, may be substituted for this educational and experience requirement
Must be detailed oriented, organized, and possess strong analytical and interpersonal skills
Knowledge of Microsoft Office Applications and ability to learn new software programs
Must possess effective managerial abilities and excellent communication skills
Strong organizational skills with an ability to plan, prioritize, and execute tasks in an efficient manner without sacrificing quality and accuracy

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