Underwriter Resume Samples

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R Beatty

Reina

Beatty

6084 Hand Burgs

Chicago

+1 (555) 315 5896

6084 Hand Burgs

Chicago

Phone

p +1 (555) 315 5896

Experience Experience

Houston, TX

Underwriter

Houston, TX

Cremin Group

Houston, TX

Underwriter

Develop strong working knowledge of The PrivateBank Credit Policy and Risk Rating Framework
7) To assist Senior Credit Risk Managers in compiling Management MIS / reports for Credit Committee, other forums
Develop and maintain positive working relationships with Underwriters, Account Management team members and multi-site coordinators
Effective Collaboration with Relationship Managers, Loan Coordinators, Senior Portfolio Manager, Team Leads and Senior Management
Develop strong working knowledge of The PrivateBAnk Credit Policy and Risk Rating Framework
Work with manager to design, develop, and implement a broker/agency sales and marketing plan specific to assigned territory
Assists in development, management and of timelines for projects of assigned accounts, as well as execution of assigned project components

present

Detroit, MI

Underwriter

Detroit, MI

Sipes, Mitchell and Schuppe

present

Detroit, MI

Underwriter

present

50 % - Plan, manage and evaluate work of staff, as well as make decisions regarding pay, performance management, employment and staffing
Responsible for accuracy and timeliness of all work performed, including proper management of timelines and meeting deadlines as established
Working collaboratively in a team environment, assisting underwriters, underwriting assistants and management team
Guides, assists and provides technical assistance to lower level analysts
Perform other assignments provided by the Senior Risk Manager
May provide guidance and assistance to lower level positions or may have responsibility for the performance and coaching of staff
Functions as subject matter expert assisting management, staff, producers, carriers and account managers with resolving complex issues

Education Education

Bachelor’s Degree in Business

University of South Florida

Bachelor’s Degree in Business

Skills Skills

Flexibility and adaptability; able to quickly adjust in a rapidly changing environment
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
Solid knowledge of mortgage underwriting and of basic automated underwriting systems
Analyzes quality, quantity, and profitability of risks underwritten and prepares reports for management review
Strong attention to detail
Capability of working in a fast-paced environment, under pressure and meet time-sensitive deadlines, all while maintaining a high level of professionalism
Advanced knowledge of Microsoft Office programs; specifically Excel (including ability to manage if not write macros), Outlook, Word, Powerpoint
Negotiates with brokers to reach positive and profitable outcomes
Excellent attention to detail and a meticulous eye for identifying inconsistencies or inaccuracies in data entry or data outputs

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Underwriter Resume Examples & Samples

3 to 5 yearssub primeunderwriting experience preferred,Auto Finance experience preferred
Requires excellent oral and written communication skills
Requires strong problem solving, organizational, negotiation, and interpersonal skills
Must be highly skilled in credit decisioning and have a solid understanding of consumer credit, applicable federal and state regulations relative to consumer lending
Requires a comprehensive knowledge of indirect loan and lease programs, as well as a broad knowledge of bank products and services
Must be PC literate and have a good working knowledge of common application software
A results orientation and high level of personal initiative are also required. Sub-prime lending experience required

Underwriter Resume Examples & Samples

1- 3 years Auto Finance underwriting experience required
A results orientation and high level of personal initiative are also required
Sub-prime lending experience required

Underwriter Resume Examples & Samples

Minimum of three (3) years of credit experience required
Two (2) years of underwriting experience preferred
Experience in heavy call volume environment strongly desired
Auto Finance experience preferred
College degree in field related to finance is preferred
Sub-prime lending experience is a plus
Strong problem-solving, organizational, negotiation, and interpersonal skills
Critical thinking and attention to detail
Knowledge of fair lending procedures
Knowledge of financial products and procedures
Customer service orientation and ability to develop and maintain relationships

Underwriter Resume Examples & Samples

Environmental Understanding (Basic)
Business Acumen (Basic)
Negotiation (Working)
Problem Solving (Working)
Risk Management (Working)
Sales & Service (Working)
Technology Understanding (Working)

Underwriter Resume Examples & Samples

Render credit decisions within credit policies, procedures, and fair lending guidelines while exercising good judgment
Communicate adverse decisions to clients while maintaining strong business rapport
Negotiate decision change requests as warranted, and manage exceptions
Manage workflows within assigned markets to enable excellent servicing levels, responsiveness, and accessibility
Serve as client’s primary source of credit-related information
Develop, nurture, and maintain relationships with clients
Cultivate and develop internal relationships with Sales counterparts to grow volume, as well as with Documentation and Collections teams
Negotiate and resolve program and product policy exceptions regarding residuals, pricing, and documentation issues
Contribute to your market’s profitability level through volume generation and efficiency management; this will include scheduled outside visits
Meet or exceed targets for ROE, volume, conversion ratios, dealer performance and other metrics. Maintain an acceptable level of loss performance
Perform credit investigations in support of due diligence
College degree in field related to finance or business preferred
A minimum of two years credit analysis experience; or related business experience within the auto finance industry
Indirect lending experience preferred
Excellent communication, influencing and negotiating skills
Experience in a heavy call volume environment
Professional and has ability to work in a constantly changing environment
Quality driven, detail oriented, and dependable
Motivated to succeed and resourceful
Knowledge of financial products and procedures and fair lending regulations
Customer Service oriented with the ability to maintain relationships
Strong analytical skills with ability to compare and contrast data

Underwriter Resume Examples & Samples

Understanding of Commercial income property valuation techniques including discounted cash flow analysis
Market research tools for commercial real estate including apartments and mixed-use properties
Strong financial analysis skills including property operating statement for variety of property types and personal financial statements of individual sponsors
Minimum requirements of 5 + years experience in commercial real estate lending, credit analysis, underwriting and or 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 requirement

Underwriter Resume Examples & Samples

Requires 2+ years of consumer credit underwriting experience, Auto Finance experience preferred
Must be skilled in credit decisioning and have a solid understanding of consumer credit, applicable federal and state regulations relative to consumer lending
Prefer a comprehensive knowledge of indirect loan and lease programs, as well as a broad knowledge of bank products and services

Underwriter Resume Examples & Samples

A comprehensive knowledge of indirect loan and lease programs, as well as a broad knowledge of bank products and services required
Strong problem solving, organizational, negotiation, and interpersonal skills required
Sub-prime lending experience preferred

Underwriter Resume Examples & Samples

Superior credit, lending, documentation, and transaction experience
Entertainment industry experience a plus
Knowledge of credit and JPMC and similar bank policies

Underwriter Resume Examples & Samples

Minimum of one year experience as a mortgage underwriter
High level knowledge and understanding of government lending. Generally working to obtain the government designations (DE, VA Auto/Lapp)
Ability to communicate well in difficult situations

Underwriter Resume Examples & Samples

Lead and/or participate in client due diligence meetings as necessary
Develop and recommend appropriate credit structures relative to risk assessment
Provide a well-researched and thoughtful risk assessment of each assigned client on an ongoing basis
Prepare and present semi-annual portfolio review material to senior management
Assist Senior Credit Executive in training and developing junior underwriters
Work closely with PMAs/Credit Assistants to ensure accuracy of credit system data
Meaningful corporate credit transaction experience, ideally involving lending to technology industry companies
Knowledge of credit and JPMC (or similar bank) policies and procedures
Minimum of 5 years of commercial / corporate banking / lending experience including extensive credit, structuring, and marketing experience

Underwriter Resume Examples & Samples

Five years of credit experience, with Auto Finance experience required
Highly skilled in credit decisioning, with a solid understanding of credit and applicable federal and state regulations relative to consumer lending
PC literate with a good working knowledge of common application software
Full spectrum lending experience is preferred
Experience reviewing credit bureaus

Underwriter Resume Examples & Samples

Possesses significant accounting and finance knowledge, and commercial banking experience
Highly motivated, independent worker within a team-oriented culture
Familiar with Microsoft Word, Microsoft Excel

Underwriter Resume Examples & Samples

Three to five years of underwriting experience, with Auto Finance experience preferred
Highly skilled in credit decisioning, with a solid understanding of consumer credit and applicable federal and state regulations relative to consumer lending
A comprehensive knowledge of indirect lending
PC experience with a good working knowledge of common application software
Experience reviewing credit bureau reports required
Prior sales experience a plus

Underwriter Resume Examples & Samples

Requests and evaluates all financial statements (business and personal tax returns, fiscal year-end and interim statements and personal financial statements). Identifies recurring and non-recurring income/expenses. Comprehends all schedules, notes, and K-1's. Understands and adjusts for differences between cash and accrual accounting methods. Analyzes related documents including; receivable aging’s, purchase agreements, invoices, lease agreements, brokerage statements, etc
Collaborates with Business Banking Officers and Branch Staff, communicating the reasoning for a particular decision, serving as an expert credit resource answering questions and providing guidance on financial matters, collateral, and loan structure
In-depth working knowledge of Bank of the West Policy and Procedures

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 Correspondent to ensure timely resolution so borrower is not adversely impacted
Minimum 3-5 years as Mortgage Underwriter required
Knowledge of non agency underwriting requirements
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

Underwriter Resume Examples & Samples

Responsible for conducting comprehensive underwriting review of existing auto, home and umbrella business. This involves reviewing all the information necessary to renew a policy such as motor vehicle reports, claims history, credit, risk data, home inspections, etc and deciding to make a renewal decision within letter of authority. Role also serves as backup for new business
Responsible to manage and support initiatives focused on maintaining profitability for a territory of states by accurately matching rate to risk, monitoring claim coverage frequency, severity, loss ratio, and profile of business written and initiates corrective action
Responsible to be in direct contact with the Sales, Client Service, Underwriting staff to gather necessary information on which to base decisions. Build and establish relationships with these groups and assist them through the process of selecting business
Responsible to act as subject matter expert on corporate projects, training and mentoring of associate underwriters
1 to 3 years relevant experience
Underwriting experience or exposure
Strong analytical and decision-making skills
Strong organizational and interpersonal skills
Excellent relationship building skills to be able to help other departments select business that is profitable for the company

Underwriter Resume Examples & Samples

Investigate new lease structures and lease strategies
Participate and share information at Department team meetings
Build and maintain positive, professional relationships with Group Risk Management by presenting comprehensive and well-written Equipment Financing solutions to Account Managers and Risk Managers
Leverage the expertise of key contacts in Tax, Legal, GRM, Commercial Markets and Capital Markets to enhance lease-structuring capabilities
Seven to ten years of experience in lease financing in a credit and collections capacity
Ability to read and understand equipment appraisals
General knowledge of lease and conditional sale documentation required to properly secure a finance transaction
General knowledge of security registration in Canada
Bilingual (French and English) both written and verbal
Some travel required (0-25%)
LI-SV1

Underwriter Resume Examples & Samples

Analyzes financial information including calculation of income and debt ratios, verification of assets, collateral review and credit review
Analyzes problems and identifies potential or innovative solutions, identifies documentation deficiencies within review and communicates findings
Achieves work goals for productivity, quality and turn time
Knowledge of Mortgage Insurance policies

Underwriter Resume Examples & Samples

Prepare loan approval documentation that is presented to the TCF Retail Lending Senior Management. With guidance, determine all non-conformity with TCF policies and procedures
Verify accuracy of information on all submitted loan documents. Ensure application information matches what is displayed in ARGO; verify property is properly titled, calculate/verify income information, verify tax and employment information; review all other related documents
Effectively communicate with originators, branches, processing, closing and secondary departments regarding all conditions needed. Actively answer questions and give direction regarding TCF loan policy for lenders, Branch Lending Managers, and Region Managers
Be familiar with and adhere to prudent underwriting standards, industry best practices, credit risk guidance, and Senior Management directives as reflected in the UA related sections of the TCF Retail Lending Policy Manual
Ability to work with and understand a variety of software applications
1+ year experience in consumer or mortgage lending, underwriting, credit analysis, finance

Underwriter Resume Examples & Samples

Prepare loan approval documentation that is presented to Senior Management. Review loans for eligibility within the bank’s lending authority for OPD and Premier Checking Plus products originated through the branches and/or contact center. Determine all non-conformity with TCF policies and procedures
Verify accuracy of information on all submitted loan documents. Ensure application information matches what is displayed in TCF systems by calculating/verifying income information, employment information, and reviewing all other related documents
Assess applicants’ risk factors and decide if applicant is a good risk for loan approval. Analyze credit policy exceptions, and make appropriate approval/counter-offer, and proper override reasons while maintaining acceptable levels of delinquency. Recommend/submit approvals based on risk factors. Put loans into closing status with approval authority up to $250,000
Effectively communicate with originators, branches, and processing, closing and secondary departments regarding all conditions needed. Actively answer questions and give direction regarding TCF loan policy for lenders, Branch Lending Managers, and Region Managers
Review ODP and Premier Checking Plus products for necessary corrections/updates and to ensure that existing policies adhere to prudent underwriting standards, industry best practices, credit risk guidance, and Senior Management directives
2 years work experience in residential/mortgage lending, underwriting, credit analysis, finance or other related field
Good understanding of how to calculate debt-to-income ratios, loan-to-value ratios, understand title examinations; understand how to view an appraisal
Experience with ODP and Premier Checking Plus products

Underwriter Resume Examples & Samples

Prepare loan approval documentation that is presented to Senior Management. Review loans for eligibility within the bank’s lending authority for OPD and Premier Checking Plus products originated through the branches and/or Contact Center. Determine all non-conformity with TCF policies and procedures
Assess applicants’ risk factors and decide if applicant is a good risk for loan approval. Analyze credit policy exceptions, and make appropriate approval/counter-offer, and utilize proper override reasons while maintaining acceptable levels of delinquency. Recommend/submit approvals based on risk factors. Put loans into closing status with approval authority up to $250,000
Report service levels to manager. Identify process and/or product improvements
1 year of work experience in consumer or mortgage lending, underwriting, credit analysis, finance or other related fields
Excellent analytical, conceptual, writing, communication and negotiation skills

Underwriter Resume Examples & Samples

The position is responsible for support in a variety of functions to include but not limited to the following
Associate's Degree or two years relevant work experience
Minimum two years collections experience
Minimum of one year post charge off collections, repossession, remarketing, REO, foreclosure, or bankruptcy experience
Working knowledge of utilized word-processing, spreadsheet and departmental software
Knowledge of skip tracing software and BK servicing systems
Demonstrated ability to provide direction and lead others
Motivated team player with a positive and friendly attitude
Understanding of local / state laws and regulations governing the repossession and sale of collateral
Basic understanding of the bank's general operations and system functionality
One year of accounting or finance experience
Bilingual

Underwriter Resume Examples & Samples

Handles most complex accounts with the following areas of specialization: Foreclosure, Bankruptcy, REO/Property Preservation, Repossession, Remarketing or Post Charge Off Collections
Investigate and conduct skip tracing as required by utilizing the numerous resources available
Submit recommendations for account placement with third party collection agencies, attorneys, brokers and property preservation firms
Initiate direct contact with borrowers (consumer, mortgage, deposit overdraft, business banking), assessing the prospect of repayment, arranging repayment schedules or other solutions and / or contacts business partners and vendors to ensure services provided are meeting predetermined SLA’s. Possess
Enhanced settlement authority in either situation
Participate in loss prevention by employing advanced strategies that provide adequate protection for the Bank with respect to its’ interest in the collateral securing the loan, while maximizing the cost containment opportunities
Review collateral condition and establish asset value
Negotiate sale with prospective buyers and conclude sales transaction with limited oversight
Develop a thorough understanding of the business and its functions, processes and operations
Keep abreast of business and market trends that may affect business department
Perform other related assignments / projects as requested by management
Associate's Degree, or in lieu of a degree a minimum of 2 years work experience

Underwriter Resume Examples & Samples

Thorough understanding of underwriting policies and procedures, as well as investor guidelines and regulatory updates including knowledge of FNMA and FMLMC guidelines and standards
Work with Vendors and team members (Underwriters and TIAA-CREF Executives) to identify potential solutions/alternatives for difficult/denied loan files
Ensure accurate application of secondary and company policies
Review and maintain guidelines to stay up-to-date with all requirements
Ensure compliance with applicable state and federal laws
3+ years real estate lending experience
3+ years of mortgage underwriting experience
Experience with due diligence UW reviews on third party originated loans
Technical experience necessary: Windows, Excel, Word, PowerPoint, Underwriting software and systems
Demonstrated track record of delivering high quality loans for both investor and portfolio origination

Underwriter Resume Examples & Samples

Minimum of two years proven experience in mortgage operations, credit analysis or equivalent
Bachelor's degree in business, related field or equivalent experience
Proven mathematical, analytical and communications skills
Working knowledge of mortgage credit regulations and guidelines

Underwriter Resume Examples & Samples

0 (investment approval delegations) and with the objective of minimizing exposure to credit losses. This a 12 months assignment
Prepare written investment approval
University degree qualified with five to seven years’ experience of commercial/corporate credit underwriting, preferably with experience and solid understanding of receivables finance
Awareness and familiarity with financial legal contracts and their enforcement
Fluent spoken and written Italian and English language
Strong IT skills including financial modelling experience
Self-confident and decisive personality, strong interpersonal skills and team player
Fleuncy in Italian and proficiency in English
Communication skills: ability to write and speak in a concise and cogent fashion
Cross-functional teamwork: ability to pull together teams comprised of individuals from multiple functional backgrounds and drive results

Underwriter Resume Examples & Samples

Underwriting loans from pre-approval to final approval
Reviewing approval conditions for accuracy and structure loans according to policy requirements and credit quality
Assisting with training all new processors and loan officers regarding underwriting guidelines
Answering scenario phone calls from the loan officers
Maintaining contact with the Product Development team and investor changes to underwriting guidelines; informing staff when guidelines change
Assisting with resolving post closing issues and quality control audits
Ability to work independently, prioritize tasks and multi-task is required
Must be team-oriented and be able to take a hands-on approach to learning the job
Strong credit and analytical skills are necessary
Must have an active state MLO license in each state where business is to be conducted
High-school diploma or GED and a minimum
1-year lending origination experience
Strong PC skills, including Power Point, Excel, Word and Lotus Notes
Solid knowledge of state and local real estate markets

Underwriter Resume Examples & Samples

Identify, analyze and balance transactional borrower and property related risks and offsets to arrive at a loan decision of approval, suspense, counter offer or denial
Ensure that the quality of loans conforms to government regulations, company standards and standards for sale to the secondary market
Must have CHUMS number from FHA
Ability to work in a team environment with minimal supervision

Underwriter Resume Examples & Samples

Strong verbal and written communication skills as well as excellent teamwork with internal employees and external customers/business partners
Demonstrates a determination to get the job done right the first time while ensuring loan decisions meet all program and product specifications
Minimum of 3 years experience as a residential mortgage underwriter
College degree in business and/or equivalent work experience preferred
Government designations preferred (VA Credit, VA LAPP, FHA DE)
Knowledge of Federal and State regulatory requirements

Underwriter Resume Examples & Samples

Resolves difficult and challenging problems by identifying potential or innovative solutions, determines documentation deficiencies within review and communicates findings with clarity
Government designations may be required (VA Credit, VA LAPP, FHA DE)
Knowledge of Federal and State regulatory requirements a must

Underwriter Resume Examples & Samples

Approve loans within credit authority and in accordance with MSPBNA credit policy and credit culture
Proactively manage assigned pipeline
Assist in identifying or recommending alternative loan solutions
Prefer private bank experience
Experienced underwriting non-conforming loans
Experience structuring and underwriting loans held in entities i.e. LLCs and Trusts

Underwriter Resume Examples & Samples

Primary responsibilities include risk assessment / credit analysis – structuring and underwriting of new business in accordance with Company Policy
Recommendation of solutions whilst respecting specific client needs
Advising Business Development and Client Management Teams on technical issues associated with the Non Recourse quotations provided
Daily underwrite of new and renewal credit limits, across all sectors and up to agreed underwriting authority. Including a full financial analysis of companies using relevant ratios, cashflows and sector knowledge to make an appropriate decision
Yearly review of client’s terms and conditions. Analyse profitability, loss ratio and overall structure of the facility recommending renewal terms to Client Management team
Liaise with clients in respect of credit limit issues
Support the Business Development teams in the development and retention of new business
Present to Credit Approval Committees for large/sensitive credit limit applications with appropriate recommendation
Undertake meetings with a variety of companies in the SME/Mid Market range
Other activities as notified from time to time by Head of Department
Undertake technical analysis and manage a portfolio of claims in accordance with Claims assessment guidelines
Provide department statistics as and when required
Solid understanding of receivables finance and asset based lending
Knowledge and understanding of the Credit Insurance Market
Experienced in Commercial and Credit underwriting
Full clean driving licence
Ability to travel throughout the UK as required
Strong PC skills including Microsoft Excel and Powerpoint
Able to build key relationships at all levels within the organisation
Able to work independently as well as working as part of a team
Ability to present ideas in a concise and considered manner
High levels of drive and motivation
Proven Financial-modelling expertise
Educated to degree level
Directly related underwriting experience a significant advantage
Claims experience would be an advantage

Underwriter Resume Examples & Samples

Review and evaluate credit requests, making credit decisions in accordance with the Company’s Policies and Procedures, as well as the credit evaluation system, for all RFCS programs
Assist merchants and customers with inbound call requests related to all aspects of credit programs
Must be able to meet flexible schedule expectations as stated in the Essential Responsibilities section
Demonstrated working knowledge of Windows-based PC applications for 2+ years
Four year degree in Business or Finance or 5 years of underwriting experience at a large Financial Institution
Ability to work, interact and accept direct requests from all levels of management when needed
Demonstrated ability to make process change recommendations when needed
Previous Consumer Underwriting Experience
Knowledge of loan origination and account servicing systems, scoring, and credit bureaus

Underwriter Resume Examples & Samples

Analyze application and information focusing on medical and financial condition and other standard factors, which can affect mortality and/or morbidity
Refer case with amounts greater than stated signature retention authority to an assigned designee
Assumes more complex life cases.Ability to work on own and ability to manage workload within accepted SLA
Exhibits regular, reliable, punctual and predictable attendance
A minimum of 2 years life or health underwriting experience
Demonstrated skill in AWD or similar system, MS Office skills, and strong demonstrable communication skills
Effective decision making and problem solving skills
Excellent customer service and communication skills

Underwriter Resume Examples & Samples

Financial modeling
Researching and evaluating market data
Performing site visits in conjunction with senior staff
Preparation of investment committee packages
Coordination with internal and external consultants on due diligence reviews
Collecting project-specific documentation and working with internal and external counsel to achieve a timely close
Assistance in initial marketing efforts to new developer relationships
Maintaining an in-house marketing database
The qualified candidate will have an undergraduate degree in Finance, Real Estate or other relevant area or an equivalent education provided by depth of experience
Strong working knowledge of Excel and Word

Underwriter Resume Examples & Samples

Underwrites insurance applications, within guidelines set for the issuance of policies on a standard or substandard basis
Determines whether to accept, modify or decline a risk through evaluation of an individual’s medical history or physical condition, occupational hazards, financial background, insurable interest and other information pertinent to the decision
Consults with superiors or medical department concerning any questionable medical or personal situations. Has contact with the field force to gather information on which to base decisions
Has authority to approve cases up to specific standard and substandard limits with referral and second signature
Reviews applications for completeness, accuracy, and acceptability. If necessary, contacts Insurance Agent to obtain additional required information. Sets appropriate premium rates. Answers questions to insurance agents regarding underwriting processes and decisions

Underwriter Resume Examples & Samples

Previous experience in loan review or front-end underwriting
Mortgage quality assurance experience
Proficient in Microsoft Excel for reporting

Underwriter Resume Examples & Samples

Achieve specific bottom-line, top-line and process performance goals, both at the individual and work unit level
Contribute to high quality risk assessment and management within the work unit
Support customer focus for internal and external customers
Understand and contribute to rating, information collection, and workflow improvements
Contribute to focused project responsibilities designed to enhance and advance the core underwriting process
Minimum of 2-3 years experience in a Head Office Group Underwriting position
Proven collaboration/team player mindset
Bias towards customer service
Demonstrated PC skills and ability to maneuver through many systems applications designed to support underwriting decision making
Creative problem solving /analytical reasoning skills
Ability to assess and incorporate a broad range of information to arrive at appropriate decisions
Ability to think conceptually and outside the box, rather than in a “rules” framework
Prioritization skills; ability to manage multiple tasks concurrently
Demonstrated ability to work independently
Strong negotiation, persuasion and conflict resolution skills
Solid communication skills, both verbal and written
LI-DC1

Underwriter Resume Examples & Samples

Have completed the AALU Certification, while working towards FALU
Ability to meet high productivity demands for self and staff. Strong decision making and problem solving skills
Ability to work independently and possibly work in remote setting with virtual environment and team

Underwriter Resume Examples & Samples

Contributes as Underwriting Team member
Make underwriting decisions based on filed guidelines and within our risk appetite
Accurately complete and maintain various exception reports, and internal logs
Respond to file referrals (abeyances) within SLA
Manage internal email referrals in accordance with established procedures
Participate in Underwriting initiatives as required
Adhere to established service level agreements
Work with business partners to support complaint resolution
Liaise with Management regarding the outcome of file reviews and provide feedback
Adapt quickly to system changes/enhancements/environment
Interact with various departments to obtain information as required
Stay abreast of changes to processes and procedures; effectively incorporates these changes into daily routines
Complete policy renewals for both home and auto
Customer contact, as needed

Underwriter Resume Examples & Samples

Build relationships with Underwriting partners within carriers and become team expert in their underwriting guidelines, rules and niches
Frequent interaction with Financial Advisors, Branch Office Administrators and Prudential Life Consultants to gather information for carrier positioning and/or to prepare them in delivering adverse information
Negotiate with carriers to obtain the best possible rating for the customer and then communicating with the Life Consultant and Financial Advisor in a way that builds confidence, cooperation and ensures a long standing business relationship
Meet or exceed quality, customer satisfaction and service expectations
Review client history and suggest carrier aligned to most favorable anticipated underwriting decision
Bachelors degree or equivalent business experience
3-5 years or more of life insurance underwriting experience, multi-carrier experience preferred
Knowledge of multi carrier underwriting process, rules
Expert working knowledge of life insurance products, services and case management
Good understanding of medical terminology, mortality and morbidity
Periodic travel required

Underwriter Resume Examples & Samples

Minimum of one to four years recent manual underwriting experience
Minimum of 2 years experience underwriting first mortgage
Proven negotiation and communication skills
Must show strong capacity to address credit related issues and points of risk to ensure that underwriting meets quality assurance standards
Ability to meet production, quality and service standards along with providing direct coaching and feedback to ensure quality
Strong Customer Service Skills. Accepts direction well
Computer proficiency including high comfort level with Microsoft office product suite
Math Proficiency

Underwriter Resume Examples & Samples

Assist with new capital markets business opportunities by triaging proposals
Work with GIB to prepare new business “pitches”
Based on a discussion of the client’s needs and appropriate risk exposure for the Bank, structure new Capital Market ABL loans. This structure also may include cash management, foreign exchange and trade components if required. Typically, the loans structured at the Director level will be more complex in nature
Prepare and present ETRs for new loans and obtain both business and risk approval. This may include (but will not be limited to ) the preparation of financial models/forecasts as required and review and assess due diligence
Complete/assist with profitability model calculations
Participate in initial deal committee and assist when required
Review uploads with Junior Underwriter, Portfolio Analyst and Portfolio Manager to ensure transaction/model works
Ensure ongoing contact with client to ensure expectations are met
Ensure transaction time-table is met
Coordinate initial due diligence with the client as well as internal and external counterparties
Coordinate legal counsel
Negotiate and execute loan documents including sign off of conditions precedent
Prepare, negotiate and execute cash management documents if required
Complete KYC/AML documents
During the transaction negotiation process ensure that all approvals are obtained on material items. This will also include preparation of Capital Markets Commitment’s Committee document, LUC documents, etc
Ensure approved ETR is in line with actual transaction at closing and if it is not, prepare closing ETR to ensure any changes to the transaction are documented and approved by risk and the business (as required)
Conduct relationship review when required to determine or complete Single Name Limit (“SNL”)
Lead deal teams for both syndicated and bilateral transactions
Provide leadership to junior team members

Underwriter Resume Examples & Samples

Responsible for reviewing, analyzing, approving and underwriting difficult, complex individual consumer mortgage and HELOC requests within company and industry guidelines
Promote effective communication with business partners to achieve optimum feedback and improve the value of the recommended actions to the business managers
Ensure all actions are aligned with RBC values and goals
Embrace change, acting as a role model and promoting a mindset of continuous improvement
5+ years mortgage underwriting experience

Underwriter Resume Examples & Samples

Meet or exceed production goals as assigned by Southern Cross
Underwrite new and renewal business
Supervise a multi-person team ensuring all pertinent information is communicated
Develop and maintain excellent relationships with clients
Market all Southern Cross products and services to clients
Communicate properly and timely with all producers regarding submissions and decisions for new or renewal business
Approve and disapprove endorsement requests according to internal and Company guidelines
Monitor accounts to ensure compliance with the firm’s policies and procedures
Monitor production, hit ratios, renewal retention ratios spread of risk and other production and quality measures to minimize risk and predict future success
Review and handle policy servicing requests (endorsement, audits, Company requests, Certificates, Premium Finance Notices and Cancellations, etc.) appropriately
Review inspection reports and compare to the conditions that were represented at the time of binding and take appropriate or needed actions
Meet or exceed file documentation standards, comply with underwriting authority level standards and pass all audits – both internal and external
Maintain necessary licenses to produce business
Must be able to understand and analyze necessary components of insurance policies
Ability to understand the client’s needs and have knowledge of the risk profiles associated
Recognize new trends and developments in the insurance industry and be able to incorporate into strategies
Must have knowledge of commercial multi-line underwriting and rating
Must have ability to use company automation to include Windows, Delphi, Word, DocuCorp, Rackley ISO Rating Software
Ability to develop, foster, and maintain an excellent working relationship with agencies
Provide necessary instruction to underwriting support staff
Exercise discretion in making decisions
Leadership and team playing skills a must
Maintain current knowledge of the insurance industry
Good written and verbal skills are required
College degree or appropriate insurance designation required
At least 3 years of experience in production and marketing of new accounts is a must
Must be licensed in corresponding areas of insurance

Underwriter Resume Examples & Samples

Requires a Bachelor's in Finance, Business, Accounting or other related field
Credit, Financial Spread Analysis, Lending, underwriting concepts, practices and procedures or other directly related experience
Ability to analyze and research financial statements, credit reports, debt ratios and loan to value information, appraisals and environmental reports
Must have good customer relations and communication skills
Must be accurate with strong attention to detail
Working knowledge of various related software applications including Moody's or Buker's tax analysis, Microsoft; Excel, Word and Outlook
A combination of education and experience may meet qualifications

Underwriter Resume Examples & Samples

Elaborate Credit Write-Ups
Prepare rigorous risk analysis with a clear and consistent approach to mitigate risks
Get knowledge of account's characteristics (collateral, credit conditions, covenants, financial situations, change in ownership, payment trend)
Lead negotiation of terms and conditions for new transactions
Comply with all audit requirements regarding back-up documentation for approval purposes
Set clear expectations with counterparts on all deals (approval time, required terms and conditions, feasibility)
Participate in deal prescreening and PIC processes, articulate key concerns, additional requirements and next steps; document agreements
Develop a thorough understanding of the business, its products and customer base
Participate in internal and external negotiations
Bachelor’s and Master’s degree - Economics, Management, Finance, Engineering, Accounting, Actuarial Sciences, Applied Mathematics or related fields
Work experience in financial analysis, commercial lending or credit experience from a top tier financial institution, is a plus

Underwriter Resume Examples & Samples

Reporting to the Underwriting & Portfolio Leader this position will be responsible for underwriting and for monitoring and management of portfolio exposures in the Corporate Lending /Leasing Business including Auto Leases
The role also shall be responsible for the management of collateral/assets related to the various commercial lending segments of the company
Support the underwriting for the corporate finance businesses including auto lease segment in compliance with Risk Policies and Procedures of the Company
On-boarding auto lease of clients and managing end to end requirements for auto lease customers
Manage the wing-to-wing risk data submission and certification process each month to ensure accurate and accessible data is available for monthly Risk Reporting and Analytics
Manage, monitor and report on portfolio of accounts. Manage accounts in accordance with the company’s account strategy
Performs rigorous analysis of transactions to monitor credit quality and early warning signs and resolve problem accounts in partnership with other teams and specialists
Ensures compliance with Risk policies and procedures
Manage all asset management requirements for the CAG, ALS and HFS business
Coordinate all asset management activities – vendor management, lease end of term activities for IT & auto leases, maintain all databases and valuation exercises
Master’s degree with minimum of 4-5 years of underwriting OR portfolio management OR asset/project management
Have existing strong understanding of the target market
Good knowledge of industry sectors and industry structures
Strong understanding of financial statements and financial statement analysis
MBA / CA - Strong analytical and modelling skills - Working knowledge of asset /collateral valuation and management - Results-oriented Individual - Excellent communication skills, both written & oral

Underwriter Resume Examples & Samples

Validate customer names and ID’s with third party credit bureaus and credit insurance providers and perform credit assessments, going through various financial and trade history metrics of debtors using various commercial trade reports
Review and maintain credit rationale for credit limits in systems. Present these rationales to senior management and broader risk audience during various portfolio reviews
Support maintenance of trade credit insurance, which includes: applications, amendments, cancellations, reconciliations, adjustments and documentation
Assist in managing early read opportunities received from clients
Support Sr. Underwriters in preparing files for underwriting and execute operational processes to ensure timely funding
Support in the validation of client monetization reporting, present these reports to relevant clients and handle inquiries on non-funded drivers; coordinate efforts with internal stakeholders
Participate in various cross-functional initiatives to support compliance and process enhancements
Support in the sales accruals preparation / true-ups reconciliation process
Partner with RIC – Risk Information Center for validating or maintaining various risk and credit reports
Undergraduate University degree in Business, Commerce or Finance
1+ years’ experience in credit and/or factoring business
Knowledge of financial statement analysis
Ability to gather financial information, interpret financial performance, and assess risk
Demonstrate analytical mind-set, problem solving and process oriented skills
Advanced Excel (ability to handle large amounts of data) skills
Proven appetite to acquire deep knowledge in relevant industries/geographies and stay up-to-date with their current developments
Well organized. Able to manage several deliverables and meet strict deadlines
Able to develop a network of internal and client-side contacts, leverage these working relationships to solve ad-hoc day-to-day problems
GE experience and/or knowledge of WCS dynamics with various GE industrials
Ability to understand Moody’s Risk Analyst and/or Moody’s Risk Analyst software or similar products
Exposure trade finance and commercial credit products preferred

Underwriter Resume Examples & Samples

Influential with immediate team and other peer groups of Underwriters
Shows initiative in daily tasks, does not need direction to be productive. Initiative also in assisting team and Underwriting Department
Good sense of organization, who to go to, to get questions answered. Understands own role within the team and how their actions impacts broader team and organizational success
Shows willingness to question established practices and challenge others in a professional manner

Underwriter Resume Examples & Samples

First point of contact for TVPs, RVPs and brokers/agents requesting a quote or proposal of outside of the standard website proposals
Priniciple underwriting resource for account management, customer service and eligibility units
Principle underwriter for unique cases and new products
Evaluates risk, establishes rates when necessary and determines underwriting offer and participation requirements for groups over 5,000
Creates proposals and offer details to field partners on groups that fall outside of the web proposal parameters
Follows department procedures and company policies for communicating and documenting all offers
Maintains unit standards for the accurate and timely production of group life, health and disability proposals and group insurance renewal actions
Provides approval and verbiage to be used when amending or endorsing a Master Contract
Establishes and maintains excellent business relationships with field partners, Account Management Department, Marketing Department and other business units
Works with other Underwriting staff and Actuary team members for approval on unique cases and new products
Recommends ideas and changes for process improvements

Underwriter Resume Examples & Samples

Conduct comprehensive underwriting review of existing auto, home and umbrella business. This involves reviewing all the information necessary to renew a policy such as motor vehicle reports, claims history, credit, risk data, home inspections, etc. and deciding to make a renewal decision within letter of authority. Role also serves as backup for new business
Manage and support initiatives focused on maintaining profitability for a territory of states by accurately matching rate to risk, monitoring claim coverage frequency, severity, loss ratio, and profile of business written and initiate corrective action
Responsible to be in direct contact with the Sales, Client Service and Underwriting staff to gather necessary information on which to base decisions. Build and establish relationships with these groups and assist them through the process of selecting business
Act as a subject matter expert on corporate projects, training and mentoring of associate underwriters
Bachelor’s Degree or equivalent relevant experience

Underwriter Resume Examples & Samples

Review the credit bureau and credit worthiness of the application while adhering to the stated turnaround time
Analyze financial data including personal tax returns; pay stub,W-2’s, pension/award letters, business tax returns, K-1’s, personal financial statement, hoi etc
Queue management to ensure 1st in 1st out process is adhered
Phone & email communication processed in a professional and productive method
Compliance with all regulatory requirements, including accurate GMI reporting and Dodd Frank procedures
Review application for Policy Exceptions/Overrides when warranted
Ensure all Clean Desk procedures are followed
Compliance Testing completed as required/assigned
Have a college degree or equivalent work experience
Have ability and confidence to make a decision based on their review of specific data
A moderate understanding of personal financial documents like W-2, tax returns, and accounting statements
Availability to work Monday - Friday 8 a.m. - 5 p.m. Available to occasionally work Saturday 9 a.m. - 3 p.m. Available to occasionally work late shift from 11:30 a.m. - 8:30 p.m. Availability to work overtime as needed
Two to Three years prior financial services environment and knowledge of credit scoring and consumer lending regulations a plus

Underwriter Resume Examples & Samples

Assess and evaluate credit proposals, in line with the Banks prevailing Lending Policies, processes and procedures
Being able to make fully developed recommendations for sign off/approval of cases to a dual Credit authority (including appropriate distressed credit treatment strategies) in a timely manner
Candidates will be expected to have a proven track record in credit and strong commercial awareness
Display a high level of commercial awareness and experience of assessing multi layered credit applications, particularly in a distressed Credit environment
Display evidence of high standards of professionalism in relation to Credit and compliance with all governance, regulation and Policy and standards
Be solution focused with strong negotiating skills and evidence of ability to interact, engage and influence
Ability to interpret and understand complex credit cases to be in a position to provide informed advice and/or approval in relation to credit decisions
Restructuring experience would be an advantage

Underwriter Resume Examples & Samples

One to three years of underwriting experience strongly desired
Auto Finance experience desired
Experience reviewing credit bureau reports preferred

Underwriter Resume Examples & Samples

Reviews applications for eligibility based on admitted health history, product, state or filing restrictions, MIB and any other source of information provided for review to include life face amounts <$250,000
Review referred files from the claims area where information has been developed that was not disclosed on the original application
Reviews requests for policy changes and reinstatements to determine eligibility
Maintain positive relationships with our internal and external customers through effective Written and Verbal Communication skills, including agents, proposed insureds, and State Departments of Insurance
Risk Selection decisions are handled in a quality, timely, and productive manner
Process/underwrite specialty products, projects as assigned (i.e. Good For Life, DI6, etc)
4 years underwriting experience in Life and health

Underwriter Resume Examples & Samples

Evaluates, makes decisions and processes policies for multiple states based on Encompass underwriting strategies, underwriting guidelines while using underwriting judgment to access potential future profitability of the policy. Must document underwriting thought process
Using their underwriting expertise, answers inquiries on complex issues regarding policies, procedures, rules, regulations, contract and rates countrywide
Must be able to articulate corporate underwriting strategy and be able to fully explain underwriting decision
Handles underwriting disputes and complaints by researching and resolving customer communications, concerns, conflicts and issues
Negotiates mutually acceptable solutions for the agent and the company
Optimizes sales & contributes toward growth targets by providing a superior level of underwriting service and attention to Encompass agents
Prioritizes work based on multiple distributions of agency contacts via inbound calls, outbound calls, e-mail and fax
Has authority to make underwriting exceptions within established authority levels to continue the policy
Insures legal compliance for work processed when taking termination action. Prioritizes work to meet legal requirements and established service level agreements
Understands and evaluates the potential risks the company is exposed to after a loss and takes appropriate action
Pulls external reports or obtain documents from agents to verify policy information. Based on that information, ask underwriting questions in order to fully develop the account
Understands and evaluates reports such as environmental remediation reports, inspections reports, and motor vehicle reports
Underwrites and evaluates policies for misrepresentation or non-disclosure of information to determine eligibility and/or rate
Analyzes and recommends modification to underwriting referral rules as appropriate
Actively builds relationships with team members & other business units to improve processes through collaboration, problem solving and achievement of common goals and objectives
Reports/works with the manager in identifying, coordinating, communicating and implementing training needs within team or other units
Consults and assists the agent with the development of coverage levels appropriate for complex and unique high value exposures
Accountable for individual underwriting decisions as a part of large loss reviews
Able to transfer process and underwriting knowledge to others
Partners with Claims for SIU investigations
Accountable for individual risk decisions as a part of large loss reviews
College degree and/or equivalent insurance experience
Moderate knowledge of underwriting policy for multiple lines, complex single lines and across regions
Moderate knowledge of the fundamental principles of insurance and underwriting
Ability to perform moderate tasks using analytical and problem solving skills with minimal supervision
Able to communicate information clearly with agents and other internal customers/clients

Underwriter Resume Examples & Samples

3) To provide strong credit support to the Senior Credit Risk Managers in implementing the strategy and business plans agreed by the GM & CEO with the Management Committee for DBS in India
4)To assist the Senior Credit Risk Managers in establishing credit controls and procedures and also help the Business Lines grow, such that the business runs seamlessly
1) To evaluate and approve credit proposals as per DOA / recommend / provide studied and balanced credit opinions on lending propositions, to Credit Risk Managers with a view to achieve a quick turnaround. To review the Weak credit risk notes for presentation to Committees
2) To have a sound knowledge of the Indian market in terms of risks associated with industries, companies, geographies and products
3) To apply knowledge of RBI Regulations/ MAS Guidelines that govern credit dispensation, including the Loan Grading, Provisioning and Asset Classification regulations and to update Local credit / Lending Policies as applicable
4) To assist in implementation of new credit evaluation tools, techniques and policies and help other credit staff and business unit staff to smoothly move into the new methodologies
5) To actively monitor the allocated portfolio for ensuring compliance to financial covenants and keep abreast of company performance and industry developments
6) To maintain and assist the Senior Credit Risk Managers in maintaining compliance with regulatory, audit and statutory requirements and assist in inspections and audit (external and internal) inputs in all credit areas, along with compliances
7) To assist Senior Credit Risk Managers in compiling Management MIS / reports for Credit Committee, other forums
T) have a working knowledge of the general Legal / regulatory framework in which the bank operates in India and apply the same
10 to 12 years of relevant banking experience, preferably underwriting experience in IBG3+ equivalent segment in Northern region

Underwriter Resume Examples & Samples

Manually underwrite conventional, FHA, and VA loans and appraisals in accordance with investor guidelines and company policy
Complete decision documents in LOS system
Upload and file applicable documents into Imaging system
Communicate decisions to originators and processors
Assist Team Lead as directed
Provide direction and training to junior underwriters, coordinators, and sales staff
Review loans for second signature up to authority level
Submit exceptions to and track responses from private investors as needed
Ability to review documents and spot inconsistencies and errors
Ability to review appraisals, assess accurate and appropriate data, and determine value range
Ability to work within a fast-paced environment that often demands multiple tasks in a short time frame
Able to make accurate and timely decisions
Training and mentoring skills are required
Familiar with government and conventional agency Underwriting Guidelines
Familiar with input into and use of Desktop Underwriter and Loan Prospector
Familiar with major correspondent lenders (Wells Fargo, Bank of America, GMAC, Chase, etc.)
Must have 10 years of mortgage banking experience
5 years of underwriter experience
VA automatic underwriter preferred
SAR preferred
USDA Underwriter preferred
HECM experience preferred but not required
Position can work from home or center locations in Georgia, California and Texas

Underwriter Resume Examples & Samples

Minimum high school education
Industry training courses in underwriting and appraisal review
Approved Direct Endorsement Underwriter
Approved VA Automatic Underwriter in designated markets (noted on requisition)
LAPP SAR designation required in designated markets (noted on requisition)

Underwriter Resume Examples & Samples

Conduct research in order to secure additional data needed to make determinations on benefits and rates
Communicate with sales, brokers, and/or other sources concerning underwriting requirements and procedures
This job posting is reflective of the Associate Underwriter essential functions, qualifications, and physical requirements. The Underwriter, Sr Underwriter and Underwriting Consultant levels have variable essential functions, qualifications and physical requirements. Competency and skill set will determine level of placement within the posted job family
Minimum of 3 years of Group underwriting experience required
Ability to negotiate and resolve conflict
Ability to make decisions and justify the decisions with sound and logical reasoning
Analytical and problem-solving skills
Solid mathematical aptitude
Strong relationship building skills
Ability to effectively communicate verbally and in writing
Knowledge and experience with the group life, disability and dental product lines

Underwriter Resume Examples & Samples

1 year mortgage operations experience or 1 year of experience in a financial analysis field is preferred
Must have strong customer service skills, excellent communication skills (verbal and written) and must demonstrate strong attention to detail, strong analytical skills and sound decision making ability
Must demonstrate interpersonal skills with the ability to interact with other departments and third parties in a professional manner
Must demonstrate the ability to manage multiple priorities and meet deadlines in a fast paced, high volume work environment with proven follow up and organizational skills required

Underwriter Resume Examples & Samples

Bachelor's degree or higher, preferably in business with Finance or Accounting concentration
Extensive knowledge of credit policy and credit administration procedures
High level of analytical skills
Knowledge of credit policy and credit administration procedures
Ability to analyze financial information
Computer literacy is required
Must be self-motivated and able to work in teams and individually
Understanding of the issues related to the decision-making process; ability to analyze situations fully and accurately, and reach productive decisions
Knowledge of and ability to help an organization adapt to applicable federal, state, local, and company-specific regulations, policies, and guidelines affecting business practices
Knowledge of and ability to use tools and techniques for collecting, collating and analyzing information on existing or potential markets in order to meet market needs
Knowledge of specializations, tools, practices and regulations within the real estate industry; ability to operate a real estate enterprise to achieve business success
Knowledge of the processes, techniques and requirements for formal decision-making; ability to reach an agreement on and close transactions for real properties

Underwriter Resume Examples & Samples

Knowledge of the processes and the ability to identify, capture and document relevant business information in an auditable, organized, understandable and easily retrievable manner
Understanding of effective communication concepts, tools and techniques; ability to effectively transmit, receive, and accurately interpret ideas, information, and needs through the application of appropriate communication behaviors
Knowledge of major functional processes and associated operating requirements; ability to apply this knowledge appropriately to diverse situations

Underwriter Resume Examples & Samples

Assess business model risk and determine credit exposure risk on new and existing merchants to determine appropriate course of action
Analyze financial and bank statements to assess credit worthiness
Prepare persuasive underwriting packages as required
Assist Account Management and Sales with customer calls requiring explanation of specific internal credit policies and decisions related to those policies
Monitor and investigate merchants’ credit card processing activities using internal and external Risk monitoring tools
Answer internal and merchant inquiries regarding risk management issues
Stay current on merchant industry trends specific to the industries we support

Underwriter Resume Examples & Samples

Minimum of 1 year customer service experience strongly preferred; call center experience a plus
Minimum of 1 year previous underwriting/credit lending experience strongly preferred
Must be PC proficient and have a good working knowledge of common application software

Underwriter Resume Examples & Samples

Analyzes and investigates
Provides explanations and interpretations within area of expertise
Uses pertinent data and facts to identify and solve a range of problems within area of expertise
Investigates non - standard requests and problems, with some assistance from others
Works exclusively within a specific knowledge area
Prioritizes and organizes own work to meet deadlines
Provides explanations and information to others on topics within area of expertise
Intermediate level of proficiency with Excel
Experience in underwriting
Medical, dental and vision underwriting experience

Underwriter Resume Examples & Samples

Understand the terms and conditions of a borrowers loan so that they may be clearly explained to, and met by, the borrower
Understand the underwriting process in order to minimise risk to Capita and clients
Ensure information relating to borrowers and their loans is current and accurately recorded on CMS’ systems
Receive and resolve loan enquiries from borrowers and their advisors
Inform borrowers of lending decisions
Liaise professionally with third parties
Report problem issues accurately, proactively and in a timely and professional manner, making recommendations as necessary and expressing balanced and technical opinions
Identify, recommend and implement enhancements to processes and procedures
Provide training and guidance to other team members as necessary
All tasks to be completed in accordance with current mortgage regulations
Ensure that all porting applications are responded to within agreed SLA’s
Ensure that all underwriting criteria is met and that all documentation issued is accurate
Ensure that recommendations made to clients in respect of partial releases of security are accurate and contain all relevant information
Ensure that requests for information are responded to accurately and within SLA’s
Ensure that amendments to borrowers accounts are made accurately and in accordance with procedures and regulatory requirements
Ensure that enquiries for changes to borrowers accounts are dealt with within mandated levels and in accordance with procedures. Report any breaches to the Special Servicing Manager
Ensure that procedures reflect current practices. Report any required amendments to the New Lending Manager

Underwriter Resume Examples & Samples

5 years of underwriting experience with a working knowledge of mortgage regulatory compliance requirements, quality assurance, and mortgage operations
Current underwriting experience and knowledge of conventional Fannie Mae and Freddie Mac agency guidelines
Underwriting experience and knowledge of Conventional, FHA, USDA and VA Loan Programs
Proficient computer skills (i.e., Microsoft Word, Excel, Outlook, any other mortgage/banking software, etc.)
Professional demeanor and interaction with all organization levels
Effective interpersonal and communications (written and verbal) skills
Ability to work effectively in a team-oriented environment as well as independently
High level of attention to detail while handling a high volume of work with multiple interruptions
College Degree from a four year accredited institution is preferred or work equivalent

Underwriter Resume Examples & Samples

High School diploma or GED required; Bachelors Degree or JD preferred
5+ years title underwriting experience or 5-8 years of Title Examining experience
Ability to collaborate and act decisively

Underwriter Resume Examples & Samples

7+ years' experience underwriting jumbo mortgage transactions for high net worth individuals; or 2-5 years of underwriting if experience includes jumbo and/or non-conforming loans
College Degree
Proven background with self-employed borrowers
Experience underwriting non-conforming loans
Pipeline management experience
Proficient with Microsoft Office Suite
Complex self-employed income analysis experience
Advanced Degree
Private Bank experience

Underwriter Resume Examples & Samples

Underwrite debtors to establish trade credit lines for up to $1 million independently
Prepare historical or pro forma financial models to determine operating performance, assess risk and perform valuation analysis in order to make supportable credit recommendations
Review and maintain underwriting rationale for credit limits in systems and portfolio quality reports
Manage debtor validation and grouping process; contact clients as necessary
Perform Enhanced Due Diligence (EDD) on debtors flagged by AML / Bridger checks
Manage trade credit insurance process, which includes: applications, amendments, cancellations, reconciliations, adjustments, and documentation
Co-ordinate syndication activities, execute asset sales and manage reporting with Capital Markets
Manage client reporting and handle inquiries on non-funded drivers
Support coding of debtors / invoices in systems as required
Participate in portfolio reviews and provide inputs as required
Participate in various cross-functional initiatives to support compliance and process enhancements; this includes but is not limited to operational risk, regulatory compliance, audits, systems enhancements, client engagement rules, process optimization studies, etc
Assist Sr. Underwriters in preparing credit write-ups when required
3+ years' experience in underwriting or portfolio management
Experience in financial statement analysis, financial modeling, and valuation
Experience preparing financial information, interpreting financial performance, and assessing risk
Experience preparing and delivering presentations to management and peers
Strong analytical & data management, problem solving and process oriented skills
Superior Excel, Power Point, and database querying skills
Well organized; ability to manage several deliverables and meet strict deadlines
Flexible working schedule to accommodate global clients in various time zones, including weekend work as required
Detailed knowledge of or work experience in the Aviation, Transportation, Energy, Oil & Gas or Healthcare sectors preferred
Experience with Moody's RiskCalc or similar products
Exposure to leasing / lending businesses and financial products preferr

Underwriter Resume Examples & Samples

In depth knowledge of Credit Risk Management principles with a strong capacity to address credit related issues and points of risk to ensure underwriting meets quality assurance and investor standards
Ability to perform a comprehensive validation review of credit, income, assets, compliance, policy or program requirements, based on automated or manual underwriting results
Familiarity with secondary marketing requirements
Experience reviewing complex financial documents such as personal and/or business tax returns and financial statements

Underwriter Resume Examples & Samples

Bachelor’s Degree or equivalent experience is required
Minimum of 2 years of residential mortgage underwriting experience is required
Experience in a high volume loan center reviewing a variety of mortgage loan products is required
Must have the ability to analyze credit quality and application information, review and interpret financial statements, read and understand the data in both personal and business bureaus
Knowledge and experience with industry standard operating systems is required
Must possess excellent oral and written communications skills to interact with both internal and external customers
This position requires independent thinking and will be able to effectively balance the need for growth with prudent lending practices in individual decision-making, coaching and collaborating with our internal customers
Must have thorough knowledge of credit and regulatory policy
Must be able to work in a deadline driven environment
Must be proficient in using Windows and Microsoft Office
Incumbent will be required to stand for intermittent periods of time
Dexterity is mandatory as this job requires frequent use of hands and fingers
The incumbent will be required to walk, reach with hands and arms, push items overhead, occasionally climb or balance, stoop, kneel, crouch or crawl
The incumbent will also be required to talk, hear, see, read and write
This position requires adaptability, assessing, analyzing, calculating, dependability, memorizing, good judgment, stress control, prioritization, social skills and speaking
This position requires comprehension, organization, reasoning and decision-making, communication and mathematical ability
Incumbent must possess the capability to understand, remember, and apply oral and/or written instructions or other information, organize thoughts and ideas into understandable terminology, prioritization of own work schedule, apply common sense in performing job duties and making decisions which have impact on immediate work unit
Incumbent must be able to understand and follow basic instructions and guidelines, complete routine paperwork, use existing form letter and/or conduct routine oral communication, communicate with individuals using a telephone, hear and speak effectively on the telephone, express or exchange ideas by means of spoken word, communicate orally with others accurately and quickly, at an audible level that others can hear

Underwriter Resume Examples & Samples

Produce accurate quotes in compliance with Underwriting&authority guidelines and state&federal laws for existing and prospective business
Lead limited peer review to ensure accuracy&appropriateness of quote
Adhere to business processes and policies that support for all job levels particularly in areas of rate actions, benefit structure, customer engagements, etc
Comply with new and existing policies, procedures, and methodologies
Comply with continuous quality improvement programs
Assist in positioning Underwriting as an integral partner in the creation of effective business solutions
Establish relationships with Sales/Account Management to understand business potential with purchasers, brokers&consultants
Develop solutions that establish credibility with Sales/Account Management and external customers
One (1) year of experience performing analysis work
Previous experience working with employee group benefits

Underwriter Resume Examples & Samples

To deliver an accurate, efficient and quality service in line with the Capita Life and Pensions service level agreements and receive good feedback following internal and external underwriting audits
Provide thorough and robust justifications of decisions and refer cases to third parties, including CMO, reassurers and client company contacts in an accurate and clear manner
To communicate well both verbally and in writing to give clear instruction, adhere to TCF, manage customer expectations and portray Capita’s high standards of underwriting services
Provide support to less experienced members of the group by sharing experiences, knowledge and ideas
May learn and develop skills to deal with complaints/appeals and or analysis
Liaise with Team Leader to agree, plan, implement and monitor daily/weekly targets and service levels
Identify training/gaps in knowledge and liaise with Team Leader or a Senior Underwriter to discuss training approach
To have all cases/decisions checked outside of agreed autonomy level, referring any cases/scenarios that are stipulated in the relevant philosophy
Maybe responsible for authorising casework for others within your agreed authority levels
Demonstrate a good knowledge of systems, relevant products, processes and procedures in relation to underwriting
Maybe responsible for writing and checking procedures
Demonstrate a full awareness and understanding of client philosophy(s)
Demonstrate that you are able to provide a first class experience for Customers/Clients and to share knowledge and expertise with other team/group members
Demonstrate good relations with the reassurers and where appropriate the client company representatives
May be appropriate to build a professional working relationship with the Financial Ombudsman
Maybe responsible for MI reporting which could include trend analysis summaries
Completion and competence in relevant training modules within the Capita Claims and Underwriting Training Academy
Willingness to study for FA1, FA2 & CF1 or its equivalent
Has foundation knowledge of relevant client philosophies
Foundation knowledge of medicine and industry wide issues together with appreciation of risk factors and ethical considerations
Passionate about delivery of customer service
Ability to work in a team / team player, liaising with other Underwriters, Claim Assessors and Claim Administrators within the team and across Capita sites to gain advice to ascertain an excellent underwriting service
Excellent verbal and written communication skills with the ability to write non-standard letters of a complex nature
Excellent judgement and decision making skills

Underwriter Resume Examples & Samples

Independently determines and reviews the extent of risk to the Company and assigns a classification
Evaluates underwriting requirements through a variety of correspondence, reports and forms
Determines if additional underwriting requirements in excess of the regular requirements (i.e., age/amount requirements) are needed
Makes underwriting decisions that produce claim results within the Company's mortality expectations
Determines appropriateness of applied coverage (i.e., sufficient financial justification, appropriate insurable interest)
Complies with federal and state rules and regulations (i.e., MIB, Fair Credit Reporting Act, blood testing, Replacements, 1035 Exchanges, etc.)
Communicates clearly and provides accurate information verbally and in writing to the field force, vendors, reinsurers, various Home Office associates, etc., while following proper rules of punctuation, grammar, dictation, and style
Underwrites policy changes, reinstatements, rate reduction or removal
Gives proper guidance and direction to the New Business support staff
Effectively works within a team composed of associates who are at various levels of experience and expertise in addition to various job levels
May periodically prepare procedures to be used in work-related procedural and training manuals and also to prepare formal reports in conjunction with department projects
Develops and presents structured job-specific training as management directs, applying appropriate adult-learning principles
Maintains confidentiality of information, including sensitive medical, financial, personal and payroll information
Proven strong analytical skills, including demonstrated experience identifying and quantifying problems and providing effective resolutions
Proven experience working in a customer-oriented field and effectively articulating information to clients in a patient and understanding manner while managing multiple tasks/issues involving clients
Possesses and displays excellent verbal and written communication skills with ability to convey information to internal and external customers in a clear, focused and concise manner
Must provide examples of handling difficult situations effectively while maintaining high volumes of work
Demonstrated strong attention to detail with excellent organizational skills. Cite examples of organization and time management methods used to manage or prioritize workload demands
Ability to continuously make repetitive motions of the wrists, hands and/or fingers
Must provide examples from working experience of going above and beyond the call of duty to assist team members. Works independently
Proven experience adapting and demonstrating flexibility associated with changes to policies/procedures
Working knowledge of word processing and spreadsheet applications

Underwriter Resume Examples & Samples

Utilizes underwriting standards and guidelines within delegated authority limits, to evaluate, classify and rate properties for insurance
Minimizes company's liability exposure. Pay taxes on time and in a manner according to county guidelines
While reviewing a file maintain open communication with internal and external customers so they understand the process and if we are not able to accommodate them, they will still have had a positive customer experience

Underwriter Resume Examples & Samples

Make sound investment recommendations and present the investment to the real estate investment committee for approval
Research and evaluate market data, which may require travel to review comparable properties in primary market area
Performing site visits, (travel is expected to be up to 25% of time)
Financial Analysis of guarantor financial statements
Use of Salesforce to update project status changes
Work with and provide information as needed to Aegon’s Distribution group and respond to investor inquiries as necessary
Special projects will be assigned by manager on an as needed basis
The qualified candidate will have an undergraduate degree in Finance, Business, Planning, Real Estate or other relevant area or an equivalent education provided by depth of experience
Ability to exercise sound and independent judgment

Underwriter Resume Examples & Samples

Assist in the due diligence process (including market analysis, financial modeling, and cash flow and valuation analysis)
Review and communicate possible risks in third party reports throughout the closing process to senior staff
Take an active role in the transaction execution process by participating in transaction calls, developing distribution lists and schedules and coordinating the project underwriting and closing process with other members of the team
Assist in preparing investment committee packages
Prepare executive summaries and pre-screen summaries for senior management
Research and evaluate market data, which may require travel to comparable real estate sites
Assist team with letters of intent and term sheets for client review and execution
Maintain Salesforce database with project/developer specific information
Manage tax credit application and award lists for teams designated territory
Special projects will be assigned as needed by manager
Undergraduate or graduate degree with an emphasis in finance, accounting, mathematics, real estate, business and/or economics
One (1) to three (3) years of work experience in real estate with a focus on multifamily housing, preferably with a financial institution, private equity firm or a low income housing tax credit syndicator
Highly organized individual able to manage multiple assignments at once
Proven quantitative analysis and Excel spreadsheet modeling skills
Must have strong initiative and be able to work with limited supervision
Ability to work well with a team

Underwriter Resume Examples & Samples

Analyze financial data including personal tax returns; pay stub,W-2’s, pension/award letters, business tax returns, K-1’s, personal financial statement and home owner’s insurance
Phone & email communication is delivered in a professional and productive method
Demonstrate ability and confidence to make a decision based on their review of specific data
A basic 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 are preferred

Underwriter Resume Examples & Samples

Detailed working knowledge of real estate and covenant assessments, legislation and land title systems in all provinces
Detailed working knowledge of principles of credit analysis and risk management related to residential mortgages, including the establishment of margins on security to ensure the value continues to be acceptable and the implications of releasing security
Knowledge of financial analysis sufficient to understand financial statements and assess financial viability
Knowledge of PC software (e.g. Excel, Word) and mainframe applications (e.g. CLASS, Target) sufficient to input data, call up information and create and edit documents/spreadsheets
Working knowledge of the options of CIBC Mortgage and related areas typically acquired through two years general mortgage and related CIBC experience
Working knowledge of information sources (e.g. REAVS, MLS/TEELA Services, CMHC/Genworht/CG Lenders Handbook)
Detailed working knowledge of current real estate market trends and economic and social factors influencing the value of real estate, including construction costs and land values
Working knowledge of national mortgage market (e.g. economic conditions and other pertinent characteristics on a National basis)
Interactive skills sufficient to communicate detailed factual explanations
Writing skills sufficient to prepare clear and concise written materials

Underwriter Resume Examples & Samples

Minimum of 2 years experience working in group insurance environment and 1+ year experience working in underwriting environment. Can be concurrent experience
Proficiency in insurance concepts, underwriting and rating techniques is required
Strong analytical and mathematical skills as well as the ability to recognize, research and resolve discrepancies is required
Must be detail oriented, skilled in problem solving, mathematics and algebraic concepts
Knowledgeable of insurance concepts, basic rating techniques, and underwriting technology
Knowledge of the Microsoft office suite of products (Access, Word and Excel) and ability to learn internal underwriting support systems

Underwriter Resume Examples & Samples

Graduate with a minimum of 2 A Levels at Grade C or above (or equivalent) and 5 GCSE’s including English and Mathematics at grade C or above (or equivalent)
Excellent telephone manner and inter-personal skills to develop close rapport with brokers
Ability to develop a thorough professional technical underwriting knowledge and then make accurate, clear underwriting decisions within referral criteria

Underwriter Resume Examples & Samples

General understanding of real estate laws
Must be well versed in all aspects of title related work
Significant verbal and written communications skills
Excellent customer service skills, supporting our vision of being "The Most Admired Real Estate Service Company"
Completion of a High School
Minimum of 5 years of experience in title industry operations which includes experience in title clearance

Underwriter Resume Examples & Samples

Evaluate, price and modify plan design for renewals and new business quotations in compliance with underwriting authorities
Evaluate renewals and work with relevant sales representatives, brokers and clients to implement required rating actions
Manage portfolio of accounts balancing profitability and persistency
Analyse results looking for trends and patterns that may need management currently and into the future. Work with sales and the client to implement changes
Investigate any non-compliance of benefit adjudication and liaise with appropriate managers to ensure compliance
Work with sales to improve their knowledge of the technical aspects of the business. Provide concise and clear instructions on what is happening to a risk and provide options to manage costs into the future
Be market aware, understand the competition, the environment (local social security system etc.,) and the clients needs
Support the management of the underwriting function including the recruitment, training and development of staff

Underwriter Resume Examples & Samples

Completes payment, claim reporting and inquiries from calls
Demonstrates excellent listening skills and verbal communication skills
Able to type 40 words per minute
Experience with MS Outlook, Word and Excel
Basic understanding of NFIP (National Flood Insurance Program) Program a plus

Underwriter Resume Examples & Samples

Handle renewal, rating and adjustment enquiries generated from the allocated client portfolio
Signing off and processing new business taken up
Handle claims cover requests in accordance with the companies laid down service standards, referring as required internally or to Insurers
Knows the Key Performance Indicators and/or Service Level Agreements which apply to own
Role and works in accordance with these
Have an unwavering appetite for contacting brokers pre-renewal & during renewal negotiations seeking further opportunity to upsell/cross sell across our product range
Liaise as required with Accounts, Insurers and Claims departments
Compile and provide statistics as required by Technical Underwriters
Sign off referrals from Underwriting Assistants in respect of mid-term adjustments
Check policy documentation prior to issue
Develop knowledge of the coverage provided by the PEN Division
Operate within the confines of the agreed personal delegated underwriting authority

Underwriter Resume Examples & Samples

Does not have any assigned Production goals
May provide support to Underwriter Senior in servicing and management of accounts
Bachelor's degree and 2 or more years related work experience

Underwriter Resume Examples & Samples

Analyzes commercial lines accounts to make decisions based on individual risk characteristics, exposure analysis, hazard recognition and controls. Utilizes 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 renewal business to ensure a profitable book of business
Trains and educates agency staff in Company products, services and underwriting philosophy
Ability to effectively and independently manage workload while exhibiting good judgment
Ability to build relationships with agents and other departments and must also exemplify teamwork

Underwriter Resume Examples & Samples

Reviews, rates and underwrites targeted new business and renewal accounts at the direction of the manager
Reviews and negotiates policy terms and conditions with assistance from the manager
Will attend marketing calls to brokers and prospective insureds, generally with the assistance of manager. Begins to develop independent marketing capability
Bachelor's degree or advanced degree or equivalent
Negotiation, analytical, and decision-making skills are also required

Underwriter Resume Examples & Samples

Responsible for managing a field of agents to achieve Company growth and profitability targets. Develops on-going relationships with agents, conducts outbound calls with agents to discuss market appetite, quality of submissions and encourage profitable growth. Additionally, keeps agents up-to-date on underwriting and/or product changes
Bachelors degree or equivalent experience (insurance experience preferred)
Proficient in underwriting and thorough knowledge of regulatory and policy differences among states in which business is transacted
Actively working toward professional designation(s) preferred
Proficient PC skills and capable of working multi-faceted systems
Ability to effectively and independently manage work load while exhibiting good judgment
Strong verbal communication and phone skills and strong negotiation skills preferred

Underwriter Resume Examples & Samples

Identify and calculate the potential risk of loss from policyholders while establishing appropriate premium rates following Zurich guidelines
Underwriting and analyzing new and renewal business, utilizing the Zurich Way of underwriting framework and within delegated, authority levels on assignment of higher technical complexity and coordination
Developing and maintaining relationships in support of business retention and acquisition and working directly with customers to determine their insurance related needs and provide solutions
Collaborate with Line of Business representatives on referrals and other items
3+ Years of Underwriting or Related Insurance Experience (e.g. Claims, Premium Audit, Insurance Operations)
PC literate
Bachelor’s Degree, preferred
In-depth knowledge of lines of business and the legal and regulatory guidelines within insurance
Solid knowledge of processing methods and workflow procedures, and knowledge of insurance underwriting and regulations for assigned territories
Strong knowledge of underwriting philosophy, techniques, national/local filing regulations and guidelines (ability to effectively assess risk)

Underwriter Resume Examples & Samples

Perform underwriting, financial, and risk analysis support for internal sales teams and their respective consulting clients
Prepare plan design and financial analysis for existing and prospective customers by utilizing modeling tools and various reporting techniques
Validate renewals and proposals for accuracy
Assist with 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
Participate in prospective client data analysis and presentations
Participate in special underwriting projects as needed
Research and 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 2 years experience in the Benefits Brokerage, Consulting, or Insurance industry is preferred
Intermediate working knowledge of MS Excel is required (i.e. ability to perform pivot tables and intermediate formulas)
Excellent troubleshooting, decision making and problem solving skills
Must be a goal oriented self-starter
Solid interpersonal, verbal and written communication skills
Ability to follow through on and successfully execute tasks while adhering to specified quality standards
Demonstrated ability to provide superior customer service and maintain positive relationships with client contacts
Proficiency in Microsoft Office Suite, including MS Word (intermediate), Excel (advanced) and Access (intermediate)
Proficiency in use of PC such as keyboard skills and electronic folder/file organization and management

Underwriter Resume Examples & Samples

Analyzes and screens new submissions to determine desirability per carrier
Process endorsements, cancellations and reinstatements, and handle billing issues
Completes policy issuance, order inspections, request driving records, handle account transactions by obtaining mutual agreement
Maintains business relationships with agents, marketing personnel and with underwriters where there are contracts
Reviews commercial renewals that refer by obtaining necessary information for proper evaluation of the risk including loss experience, etc
Initiate action to non-renew accounts that are unacceptable or unprofitable
Maintains a positive working relationship with agents, customers, coworkers and others
At management's direction, perform other duties that are not specifically set forth but inherent to the wholesale brokerage business
Sets own priorities subject to supervisor's approval
Solves problems by drawing on experience and judgement
Knowledge in Commercial Property Insurance, General Liability, Commercial Automobile, Workers Compensation, Crime, etc
Associate Degree or CIC or CPCU or AAI or AU designation
Bachelor degree, preferably in insurance or business
At least 3 years of industry-related experience required. Strong analytical and judgement skills, excellent problem solving ability
License required and additional certification helpful (CPCU, ARM, etc.)

Underwriter Resume Examples & Samples

High School Diploma or Equivalent and 2 or more years of experience in the Insurance area
Bachelor's Degree with one or more years of experience in the insurance industry area OR retail automotive industry
Basic knowledge of the insurance industry and the legal and regulatory environment
Underwriting or claims knowledge and skills
Strong writing skills

Underwriter Resume Examples & Samples

Underwriting Expertise
Manages assigned portfolio to achieve gross written premium, profitability, rate, retention, product mix, new business and portfolio management goals
Demonstrates in-depth knowledge of CNA’s products and appetite while clearly communicating CNA’s position at the point of sale
Develops producer relationships to build pipeline, agency intelligence, and drives performance to meet and exceed results
Knowledge of underwriting processes, coverages, and tools to gather and evaluate information in order to reach appropriate decisions on renewals and new business
Ability to effectively interact and communicate with all levels of external and/or internal business partners within scope of responsibility, team and/or matrix environment
Ability to exercise judgment, negotiate and make sound business decisions effectively based on level of authority
Strong ability to identify, analyze and solve problems as well as the ability to learn rapidly, adapt quickly to change, exercise influence, and manage and prioritize multiple concurrent projects

Underwriter Resume Examples & Samples

Receive daily loans for underwriting that have been assigned by the Regional Underwriting Manager
Prioritize RUSH’s, CU conditions and newly submitted loans to meet the required turn-around time
Bachelor's degree (B. A.) from four-year college or university; or one to two years related experience and/or training; or equivalent combination of education and experience
FHA Direct Endorsement

100

Underwriter Resume Examples & Samples

1-3 years of Underwriting experience
1-3 years Consumer Lending experience
Must have extensive knowledge of all standard mortgage loan documents including, but not limited to: appraisals, title reports, income verification, purchase contracts, lease agreements, trusts, warranty deeds, Loan Estimates and closing disclosures
Excellent written and verbal communication skills, as well as organizational skills
Must understand product profile pricing/criteria in relation to credit decisions
Must be able to accurately interpret and apply policy and procedures and be able to proficiently explain to internal partners
Must be able to work in a high volume environment with minimal supervision while maintaining all production service levels
Strong analytical skills with attention to detail
Must be customer-service oriented, with the ability to work in a multi task environment while maintaining a high-level of flexibility

101

Underwriter Resume Examples & Samples

Jul 2005
Range
Average No. of Monthly Approvals 70 - 100
Average Approval Amount US$80 k
General Credit and Overdraft Authority US$ 100 k
Minimum of three years proven and progressive commercial lending, credit and portfolio management experience or equivalent
Proven communications, analytical, planning, organizational, problem-solving, lateral thinking, decision-making and interpersonal skills
Thorough knowledge of the Company’s lending and credit approval processes and regulatory, economic and competitive market forces affecting small business

102

Underwriter Resume Examples & Samples

Minimum 1yr of experience in underwriting property credit with lender approved
Full package final sign off authority within the past 5yrs
HS Diploma or GED Preferred Currently in an Underwriter II for the past 12mos Minimum 3yrs experience in underwriting property and credit with full package final signoff authority
Or 2 years recent experience in Conventional, Government, FHA,VA loans
4 year degree in finance or accounting NMLS licensed preferred

103

Underwriter Resume Examples & Samples

Reviews customer applications for Property and Casualty insurance coverage to determine if applicant is an acceptable risk for an insurance policy with Acceptance Insurance
Evaluates individual file characteristics, risk exposures, and potential for future losses, aligned with underwriting guidelines and compliant with insurance regulations
Assures adequate pricing of individual risks; correct policy forms, discounts, and coverages used, and recommends policy changes when appropriate
Reviews customers' loss history report and motor vehicle report to validate correctness of application information for policy rating
Recommends declining a risk for which an equitable price level cannot be charged or which may not fit in the company’s line of insurance products offered or within established underwriting guidelines for acceptance
Processes daily workload in a timely manner and within quality standards set by underwriting manager
Requests and follows up on any missing policy documents from agent or customers, as required by underwriting guidelines and insurance regulations
Supports agents, call centers, and other department employees with questions and feedback related to underwriting processes and procedures
Facilitates resolution of unresolved customer issues within a timely manner to ensure proper and satisfactory closings are obtained
Supports ongoing evaluation of underwriting processes for efficiency and effectiveness in meeting underwriting objectives
Participates as subject matter expert on project level assignments of low complexity with other departments, as directed by underwriting manager
Familiarity with property and casualty insurance products
Ability to communicate effectively and professionally in verbal and written channels with both internal and external customers
Self directed in completing daily workload assignments according to productivity and quality standards
Basic knowledge of and experience using Microsoft Word, Excel, and Power Point software tools
Expedient in data processing and typing skills
Ability to multitask and remain flexible to shift between assignments
Ability to sit in front of a computer screen while working within a structured time schedule

104

Underwriter Resume Examples & Samples

Underwrite all new applications consistent with approved Underwriting Guidelines
Periodically review existing merchants to ensure compliance with Underwriting Guidelines and risk standards
Verify all information provided on the merchant application and supporting documentation is correct and consistent
Understand and read credit reports
Ability to read and understand financial statements, tax returns and other financial documentation
Ability to provide recommendations of merchant applications that do not fall within the guidelines when applicable
Ability to call merchants regarding their applications when needed to make an underwriting decision
Provide recommendations for approval, credit holds or declines of merchant applications
Communicate decisions effectively in both verbal and written communication
Additional primary duties will be assigned as required
Good analytical skills
Ability to make decisions independently and work well as part of a team
Good Internal/External customer service skills
Working knowledge of Windows applications including Outlook, Excel and Word and General PC knowledge
Ability to function effectively in a fast-paced environment with multiple priorities
Previous knowledge of credit card processing industry preferred
Ability to read credit reports
Familiar with business financial statements preferred
1-2 years related experience and/or training; or equivalent combination of education and experience in related field, bachelor's degree preferred
Ability to accurately represent facts, offer solutions, identify concerns, resolve issues and support decisions
Good interpersonal and team work skills, must have ability to work with individuals from diverse cultural backgrounds and maintains cordial and effective relationship with coworkers, and other business contacts

105

Underwriter Resume Examples & Samples

Bachelor’s degree or above in Finance, Accounting, Economics or related fields
3 years’+ risk experience in commercial lending, leasing or relevant functions
Possess good knowledge of risk management, financial products, industry and markets, as well as good credit and financial analysis skills
Able to work proactively to solve problems, work on multiple tasks at the same time, and work under tight schedules with high quality deliverables
Clear thinker with concise communication, good presentation skills, excellent commercial judgment and business sense
Good team player showing strong work ethic and commitment
Fluent in both spoken and written English and Mandarin

106

Underwriter Resume Examples & Samples

Assists in all aspects of general underwriting for assigned accounts and/or programs
Provides general underwriting and analytical support to assigned service team(s) and clients
Meets with Producers, clients, Underwriters, Account Executives and Benefits Analysts as needed to define and accomplish projects
Assists in development of pricing evaluations for options as requested by clients and/or service teams
Assists in development, management and of timelines for projects of assigned accounts, as well as execution of assigned project components
Works with internal staff and external vendors to complete projects and manage deadlines accordingly
Maintains data tracking and reporting for financial management, underwriting models, client reports and other analytical reporting deliverables
Responsible for working knowledge of carrier and TPA reporting systems of assigned clients to obtain data necessary for financial analysis and underwriting
Performs basic underwriting tasks and projects independently with peer review from other Underwriters
Maintains files and historical data on all assigned clients and/or programs
Actively engages in educational opportunities to further underwriting knowledge, market trends and regulatory environment
Responsible for accuracy and timeliness of all work performed, including proper management of timelines and meeting deadlines as established
Addresses incoming correspondence and responds as required in a timely manner
Peer review of other Underwriters’ work for accuracy and completeness
0 - 2 years related work experience

107

Underwriter Resume Examples & Samples

Underwrites a book of business both new and renewal in accordance with underwriting guidelines
Analyzes policies and endorsements to identify errors, omissions or discrepancies to ensure agreement with application, quote, proposal, and/or binder
Orders necessary reports or documents that are critical to the underwriting process such as credit, location, motor vehicle, and/or inspection reports, as well as building cost estimates
Analyzes inspection reports to accept or reject new business
Prepares Renewal Specifications as required by management
Maintains and manages coverage bordereaux
Services Account Manager calls, answers questions regarding client coverage, limitsand deductibles
Maintains client suspense and conducts follow-ups as appropriate
6 - 8 years related work experience; knowledge of insurance industry preferred

108

Underwriter Resume Examples & Samples

Reviews submission data to determine outstanding requirements and requests required additional information
Quotes new and renewal business by performing tasks leading to the issuance of the proposal, including but not limited to loss analysis and loss rating, NCCI and ISO rating and experience rating, and completion of underwriting review and analysis forms
Prepares Proposals of Coverage and Confirmation of Coverage
Rating skills to include manual/basic limits, full limits, and experience rating
Performs all servicing functions during the policy term including authorization of endorsements or amendments of coverage
Assists in premium audit review and account completion
Maintains contact by phone or written correspondence with various Astrus brokers, internal compliance personnel and underwriting management in order to resolve issues and foster good business relations
Assists in the coordination and participates in claim reviews with the client
Makes off-site safety visits with risk control personnel
Performs administrative functions, including but not limited to policy file maintenance and proofreading in order to assist in efficient department operations
Attends department, broker and client meetings as required
6 - 8 years related work experience; prior experience underwriting contractors preferred

109

Underwriter Resume Examples & Samples

Support the management of a high quality, diverse, and complex customer base across multiple industries
Build and maintain successful relationships with assigned agents and brokers
Work with manager to design, develop, and implement a broker/agency sales and marketing plan specific to assigned territory

110

Underwriter Resume Examples & Samples

Examines such documents as real property information, maps, abstracts and other related reports to determine degree of risk
Minimizes company's liability exposure
While reviewing a file to open communication with internal and external customers so they understand the process and if we are not able to accommodate them, they will still have had a positive customer experience

111

Underwriter Resume Examples & Samples

Evaluates more complex situations that potentially involve higher risk
Monitors trends and identifies the need for new or revised underwriting policies, procedures, and practices
Provides guidance and assistance to less experience underwriters
Makes contact with client or customer to resolve questions or issues that remain
Engages in basic quality assurance activities
Works under minimal supervision
May periodically assist in orienting, training, assigning and checking the work of lower level employees
Distribute bulletins following the quality standards to internal and external customers for compliance or rate and form changes
Monitor tropical and catastrophic activity and issue moratoriums on areas that are at risk
Respond to the Department of Insurance complaints timely and accurately
Develop underwriting guidelines that are clear, concise, and which complies with state and federal laws as well as achieving company desired results
3-4 years of related experience in the function or similar activity outside the organization
Knowledgeable in all the duties of the Underwriter II position, or similar positions
Is completely familiar with computer system
High level of technical expertise and in-depth knowledge in assigned lines of business

112

Underwriter Resume Examples & Samples

Underwrites and evaluates new and renewal business, including risk selection and quotation, in accordance with established underwriting guidelines in order to achieve goals of profit, rate and growth
Interfaces with insurance carriers to negotiate underwriting authority and manage referrals
Underwrites accounts profitability and uses sound judgment in support of established underwriting guidelines and carrier profitability objectives
Works with program’s insurance markets to formalize and implement annual business plan
Evaluates necessary reports
Works with other business units to support market penetration objectives and seek out cross-sell opportunities as appropriate
Functions as subject matter expert assisting management, staff, producers, carriers and account managers with resolving complex issues
Develops and executives on a marketing plan that reflects competitive market conditions
Provides leadership, mentoring and guidance to underwriting team
Manages and delegates work to underwriting and administrative staff; monitors to ensure timely and accurate completion
Maintains updated logs covering all submissions, including both written and lost business
Coordinates underwriting audits
8 - 10 years related work experience, including successful production underwriting

113

Underwriter Resume Examples & Samples

Understands and analyzes credit scores, bankruptcy navigator scores, debt to income ratios and loan to value analysis
Possesses a thorough understanding and capable of analyzing financial statements
Reviews paystubs, W2 income, and analyzes consumer tax returns for income verification of applicants
Reviews appraisals for loans secured by real estate to ensure the collateral meets the Bank’s standards
Provides exceptional analytical and judgmental skills to underwrite a loan request for approval, counter offer or declination and documents loan decisions within the sales pro system
Maintains a thorough knowledge of the Bank’s lending policies, guidelines and procedures and utilizes sound analytical judgment
Adheres to all company policies and procedures required for this position
Analyzes loan applications for credit risk and approves or rejects loan requests
Records loan rejections, specifying institution guidelines and basis for declining application, such as insufficient income
Responsible for conditioning, loan structuring, pricing, proofing and ensuring loan applications meet bank policy and guidelines before approving loan to be closed
Responsible for consumer credit quality and bank delinquency for properly pricing and structuring loans for profitability
Reviews the monthly Portfolio Review Report for credit quality and possible line closure – products include Handy Line, PLOC’s, HELOC’s and Credit Cards
Identifies and decisions additional cross sell opportunities within the loan application
Reviews and decisions monthly Credit Card Forecast Report for credit risk
Associate's degree or equivalent from two-year college or technical school; two to four years related experience and/or training; or equivalent combination of education and experience
Previous experience of lending and reviewing credit bureaus
Proficient operation of computer, and computer based software programs

114

Underwriter Resume Examples & Samples

Possesses a good understanding and capable of analyzing financial statements
Reviews appraisals for loans secured by real estate to ensure the collateral meets the bank’s standards
Maintains a thorough knowledge of the Bank’s lending policies, guidelines and procedures, and utilizes sound analytical judgment
Reviews the monthly Portfolio Review Report for credit quality and possible line closure – products include Handy Lines, PLOC’s, HELOC’s and Credit Cards
Associate's degree or equivalent from two-year college or technical school; up to two years related experience and/or training; or equivalent combination of education and experience
Previous experience of lending and reviewing credit bureaus is preferred

115

Underwriter Resume Examples & Samples

Assist in preparation of diligence requests, and participate in related discussions with borrowers, consultants, auditors and appraisers
Prepare cash flow, pricing, and enterprise value models, including discounted cash flow analysis
Help perform analysis of historical financial results, vet management projections and assist in the preparation of related sensitivities
Assist in the preparation of initial deal screens and approval memorandum, as appropriate and directed by the Senior Underwriter and deal leader
Actively participate in the presentation of new transactions to the Ally CF Credit Committee
Assist in monitoring performance trends of existing accounts, prepare portfolio reviews, and process requests for modifications and new financings
For agented transactions, maintain dialogue with syndicate members post-close and coordinate dissemination of requested information
Help ensure transactions close in compliance bank regulations and Ally CF credit policy
Remain current on developments in the healthcare sector, participate in recurring industry briefings, and attend select conferences
Assist with special projects, as appropriate
BA or BS in Accounting, Finance or Economics preferred
4-8 years of directly related experience including financial modeling, company specific/industry due diligence, and credit analysis
Strong culture fit with team-first mentality
Highly analytical, detail oriented with emerging problem solving and critical thinking skills
High level of accountability, able to prioritize assigned tasks and meet time-sensitive internal and external deliverables
Technical: Strong knowledge of MS Office: Word, Excel, PowerPoint Access, and financial forecast models

116

Underwriter Resume Examples & Samples

Demonstrate thorough knowledge of mortgage industry credit guidelines and policies for VA, FHA, FNMA, FHLMC & USDA
Must possess a complete understanding of Fannie Mae's DU and Freddie Mac's LP systems
Exhibit working knowledge of appraisal evaluation to identify deficiencies therein
Perform pre-funding underwriting review of recently closed Correspondent mortgage loans to identify and set pre-funding conditions

117

Underwriter Resume Examples & Samples

Achieve targeted underwriting profit through utilisation of underwriting skills
Provide qualitative service levels to internal and external stakeholders
Degree/ Diploma in Risk management and Insurance, or any Business/ Finance related degree
Minimum of 3 years underwriting experience, preferably in Commercial and Specialised Underwriting
Sound understanding and knowledge of Botswana Insurance and Reinsurance market
Sound knowledge of statutory and legislative requirements
Commercial and Specialised knowledge
Financial and Business acumen
Strong underwriting skills
Sound leadership skills

118

Underwriter Resume Examples & Samples

Underwrites a book of business, both new and renewal, using sound judgment in accordance with underwriting guidelines
Analyzes information provided by retail brokers and agents to ensure agreement with program underwriting guidelines
Analyzes critical information to facilitate underwriting recommendations
Coordinates issuance of policies and endorsements, binds coverage and coordinates binders/evidences
Prepares renewal specifications as required by management
Services accounts by researching and collaborating with Underwriters to answer questions regarding client coverage, limits and deductibles
Supports new business growth by developing and executing on marketing plans that reflect competitive market conditions
Accountable for delivering the highest level of customer service
Manages a group of assigned agents and brokers to support market penetration objectives and seek out cross-sell opportunities
Serves as a subject matter expert to resolve complex issues
Mentors and guides other team members
7 – 10 years related work experience; experience with casualty and/or property account servicing that includes underwriting within a carrier and/or program manager organization required

119

Underwriter Resume Examples & Samples

2+ years of experience in underwriting
Intermediate level of proficiency in Excel
Intermediate level of proficiency with MS Office suite (including Word, Excel and PowerPoint)
Medicare underwriting

120

Underwriter Resume Examples & Samples

Two years of customer service or sales experience required
Two years of experience working within the MOCHA system required
Working knowledge of Acceptance company guidelines, billing structure and underwriting regulations
Excellent communication skills (verbal and in writing)
Ability to build rapport, solve problems, and work collaborate with others to reach a resolution
High school diploma or general equivalency degree G.E.D. required
Basic reading, writing, and mathematic skills are required
Computer literate with the ability to learn software applications
Job involves sitting, with structured time schedule, working in front of a computer screen

121

Underwriter Resume Examples & Samples

Achieve targeted underwriting profit by assistance and performance of underwriting skills by underwriting medium to high complexity risk
Contribute to proposition development
Minimum of 3 years technical expertise in underwriting, preferably in commercial underwriting
Must have RE
Good relationship building skills
Strong People management skills

122

Underwriter Resume Examples & Samples

Enthusiasm, motivation and desire to maximize and achieve business objectives through a common sense lending approach
Customer service guru!
Administrative skills and ability to prioritize in a high-risk and high-volume team environment
Underwrite, price and set terms and conditions on 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, including underwriting broker-originated Alt A conventional residential mortgages
Contribution to the achievement of departmental volume targets and lender fee income goals
Conduct the underwriting function within WAVE, D&H Express and Oscar loan origination systems
Provide ongoing support and guidance to the Business Development Managers

123

Underwriter Resume Examples & Samples

Delivers continuously improving year on year expense results by improving processes and increasing productivity
Supports rigorous quality, control and compliance programs to include an ongoing control/compliance self-assessment process
Performs data entry, system coding, inventory audits, reconciliations, etc. to ensure alignment between vendor systems and Ally systems
Basic knowledge of general/standard office and administrative procedures and methods
Oral and written communication skills sufficient to provide routine information, greet visitors, answer inquiries, and refer calls
Computer skills sufficient to prepare policy manuals and enter data on spreadsheets
In limited subject areas judgment is required to determine the applicability of guidelines or policies to specific situations
Some ingenuity and initiative required to collect information, coordinate activities with others, and resolve routine and/or factual problems

124

Underwriter Resume Examples & Samples

Performs case-specific risk assessments
Responsible for account level rate development and conducting customer negotiations with other underwriting areas and Sales on varied complexity book of business
Evaluates claim experience and analyzes total case profitability
Becomes familiar with local competition, networks, and provider discounts to assist with recommendations for sales strategy, product positioning and market pricing decisions
May assist Sales as financial consultant on case-specific issues
Manages accounts with varied complexity for the regional segment with multiple products and funding options
Basic understanding of manual rating models and related pricing tools
Basic knowledge of pricing adjustments and available plan designs
Basic understanding of logic and concepts of Experience Rating, including translating competitor plan designs/experience, to develop appropriate, projected claim costs and rates
Ability to assess financial risk based on multiple information sources
Leadership ability
Customer-centric approach to all customers we serve (internal and external)
Team building/positive influence on peers and organization
Analytical skills/critical thinking
Consultative/solution oriented, creative thinking
Ability to handle, or learn to handle multiple funding options
Work with high degree of autonomy while producing desired results for the business
Key competencies include: priority setting, dealing with ambiguity, conflict management and perseverance

125

Underwriter Resume Examples & Samples

Manage due diligence on all assumptions in cash flow model for new land projects
Recommend structures to optimize returns and margins
Research, analyze and make recommenations on market forces and market data
Prepare investment committee books and participate in presenting same
Coordinate and interface with potential fund partners (developers, opportunity funds, etc.)
Manage timelines and schedules during entitlement and development phases
Manage project consultants
Manage all aspects of project budgets
Prepare all financial reports and coordinate with corporate accounting requirements
Prepare quarterly updates for each project
7 to 10 years of similar/related experience
Command of all aspects of a complex land development (i.e. understand what questions to ask and how to find answers)
Master knowledge of various debt and equity structures and partnerships in large land development financings
Microsoft Excel Expert - ability to program complex cash flow models from the ground up

126

Underwriter Resume Examples & Samples

Must have 3-5 years of lending experience, with proven ability to render sound credit decision on own authority
Must have knowledge in Consumer loan underwriting and analysis, including the review of tax returns
This position requires independent thinking and will be able to effectively balance the need for growth with prudent lending practices in individual decision-making

127

Underwriter Resume Examples & Samples

Demonstrated strong performance in managing key relationships and/or key markets to drive business plan results
HS diploma or equivalent required. Bachelor's degree in related field strongly preferred. 5+ years in auto finance underwriting (prime, sub-prime, and/or non-prime) is needed. A least 2 years leadership experience preferred
Contribute to and manage projects
Exemplary dealer relationship management skills
Advanced knowledge of Microsoft Office Programs

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Underwriter Resume Examples & Samples

1+ years professional work experience
Proven analytical and mathematical skills
Excellent communication skills, both written and oral
An intermediate level of knowledge of Microsoft Excel
Strong organizational, multitasking and prioritization abilities skills
Underwriting experience

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Underwriter Resume Examples & Samples

As an Underwriter you will
Assess information available and make effective risk decisions in accordance with established company guidelines and procedures, eventually leading to new business sales and continuance of existing business
Act as a consultant to internal partners and customers, providing benefit recommendations to potentially improve program financial performance and the customer’s retention and satisfaction results
Be responsible for relationship management and a positive customer experience
Perform financial analysis to determine risk classification according to company guidelines
Communicate with the salesforce, brokers, and internal partners for the purpose of acquiring necessary information, solving problems, and conveying decisions
Undergraduate degree in Risk Management, Finance, Business or Mathematics is preferred with a minimum GPA of a 3.0 on a 4.0 grade scale
Effective use of Microsoft Outlook, Word, Excel and PowerPoint applications
Strong math skills to analyze financial data
Strong analytical skills coupled with the ability to make accurate decisions in a limited timeframe
Demonstrated ability to solve problems creatively
Prior knowledge of Group Insurance products/processes is a plus
Exceptional interpersonal skills including written and verbal communication skills

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Underwriter Resume Examples & Samples

Underwrites new submissions to ensure new policies are correct, per NFIP guidelines
Completes policy issuance
Respond to Agent inquiries by phone support, online chat and emails
Proper grammar, language, spelling to professionally represent the organization
At management's direction, perform other duties that are not specifically set forth
Previous experience in the insurance industry helpful but not required
Basic to intermediate technical knowledge of systems and procedures

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Underwriter Resume Examples & Samples

Clears and records new and renewal underwriting submissions received
Quotes new and renewal business by performing tasks leading to the issuance of the proposal, including but not limited to loss analysis, rating, and data entry for submission tracking purposes
Issues policies and endorsements with conformance to carrier rules and broker specifications. Prepares state-specific bureau filing as necessary. Expedites needed corrections to ensure legally accurate, well-communicated, and timely documentation of agreed-upon insurance coverages
Policy issuance to include Commercial General Liability, Commercial Auto, and Workers Compensation
Provides quality control of policies for accuracy
Performs billing functions including, but not limited to preparing invoices for policies and premium-bearing endorsements, working with the Client Services Manager towards resolution of billing problems in order to assist in the smooth, and timely payment and collection of premiums
Issues notices of cancellations and reinstatements, as well as conditional and non-renewal when necessary
Maintains contact by phone or written correspondence with various Astrus brokers, state bureau, administration and internal compliance personnel in order to resolve issues and foster good business relations
Performs administrative functions, including but not limited to policy file maintenance, proofreading, and photocopying in order to assist in efficient department operations
4 - 6 years related work experience; prior experience underwriting contractors preferred

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Underwriter Resume Examples & Samples

Analyzes data related to the risk being underwritten for smaller, less complex cases, in order to determine what benefits or policies, if any, can be offered and at what rates, under direct supervision
Conducts research in order to secure additional data needed to make determinations on benefits and rates
Prepares proposal information and coordinates final proposal presentation, including preparation of all required exhibits
Analyze, verify, and prepare comparison statements on internal replacements, correspond with appropriate field personnel regarding the replacement activities and potential options available, and process replacement cases
Completes other projects as requested
Strong relationship building with people who are, or may some day be, useful in achieving work related goals
Ability to work in a fast paced production environment
6 months medicare supplement experience

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Underwriter Resume Examples & Samples

Decisions full range of mortgage loans, preferably including FHA loans
Review all mortgage applications and documentation for accuracy and completeness
Perform other related duties as required and assigned

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Underwriter Resume Examples & Samples

Approve or deny mortgages on a timely basis
Ensure the quality and accuracy of each loan
Min 3 years of mortgage underwriting experience required
Demonstrated computer skills, including proficiency with basic automated underwriting systems
Knowledge of mortgage laws and regulations required, including Home Mortgage Disclosure Act
Ability to effectively prioritize workload and meet deadlines
4 Year college degree (Bachelor) or equivalent work experience
Minimum Years of Experience 3+years

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Underwriter Resume Examples & Samples

Produce quality work in the form of Loan Presentations, Material Ammendments and other credit requests in a timely manner and in accordance with agreed upon deadlines
Ensures integrity of data captured in underwriting / processing and compliance logs / systems
Effective Collaboration with Relationship Managers, Loan Coordinators, Senior Portfolio Manager, Team Leads and Senior Management
Continually work to increase market and professional knowledge through training classes, seminars and special projects
Develop strong working knowledge of The PrivateBAnk Credit Policy and Risk Rating Framework
Manage activities appropriately relative to cost/expense control management
Community Involvement
Understanding of the high net worth and ultra-high net worth client profile and typical product offerings
Ability to structure credit solutions for HNW and UHNW clients with complex balance sheets and cash flows
Ability to analyze client's balance sheet, cash flow, risk tolerance and financial objectives to propose a customized, complex credit structure that meets the client's needs and falls within the Bank's risk parameters
Prefer a minimum of 2 - 3 years of underwriting experience
Strong organizational skills, with the ability to manage multiple assignments and priorities is essential while delivering desired results
Strong teamwork and partnering skills with ability to effectively manage the expectations of multiple internal/external constituents
Excellent analytical skills; ability to quickly understand complex problems and recommend solutions
Strong knowledge of complex personal and business financial analysis, tax returns and balance sheet analysis, including cash flow analysis
Effective written and verbal communication/presentation skills
Intermediate user of MSWord and MS Excel

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Underwriter Resume Examples & Samples

Current knowledge of FNMA/FHLMC guidelines, standards, and practices
Safe Act Compliant, registered as a MLO in NMLS preferred. Required to become compliant within 6 months of hire date
Advanced mortgage loan appraisal review and tax return analysis skills required

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Underwriter Resume Examples & Samples

Answer incoming calls from agents responding to inquiries on coverage, and making adjustments to policy information based upon prescribed authority on Commercial Property and Casualty lines of business. Conduct outbound calls and follow-up work to agents required to close out inquiry/transaction
Work within specific authority level to quote, accept, decline, modify and renew risks within territorial assignment in accordance with accepted underwriting guidelines. Work in unison with Agents, Regional Underwriters, AMS, and other departments to grow and maintain a profitable book of business
Provide guidance to Agents and other departments regarding various underwriting information. Effectively communicate underwriting decisions and appetite to agents. Reinforce the ease of doing business with Selective by meeting or exceeding agent expectations and service quality on a consistent basis
Develop and maintain effective working relationships with internal and external customers. Communicate openly and in a timely fashion. Participate in the development of team goals and work diligently to achieve them. Support all team decisions
Increase renewal premium by cross-selling additional coverage, products or service
Conduct continuous profit and growth analysis by territory and agency as assigned. Monitor premium retention with the use of electronic reporting tools
Trains and mentors lower levels. May be viewed as line specialist for one or more commercial lines of business
Must have 2-5 years of underwriting experience
Demonstrated ability to effectively communicate with internal and external customers/peers
Demonstrated ability to adapt to change as the company moves forward in its strategic vision
Must have valid state-issued driver’s license in good standing

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Underwriter Resume Examples & Samples

Plans, executes and delivers primary underwriting and analytical support to assigned accounts and/or programs
Independently handles all primary underwriting calculations for assigned accounts and projects
Works with internal staff and vendors to establish project timelines, identifies critical deadlines for completion and performs necessary functions to ensure project completion
Assists with the development of new reporting tools and models
Responsible for detailed knowledge of carrier and TPA reporting systems of assigned clients for all data analysis and reporting needs
Confidently analyzes and challenges insurance company renewal calculations for fully-insured contracts (Health, Dental and Vision)
Assists with development and training of other Underwriters
Assists with the development of training materials and presentations
Performs basic and mid-level complexity underwriting projects independently with final peer review by other Underwriters
1 - 4 years related work experience

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Underwriter Resume Examples & Samples

Reviews, interprets and processes data from various sources, including applications, forms and loss history
Able to articulate and practice principles of risk management within specific limits of authority including knowledge of exposure/hazard identification and control
Clearly communicates appetite, underwriting standards, declination reasons and coverage advantages to Agents and internal partners to ensure profitability and generate a flow of quality new business submissions and retention
Cultivates strong business relationships (internal and external) by proactively communicating and conveying ownership and commitment
Gathers information and stays informed of laws and regulations
May require additional training and/or advance insurance education to further expand underwriting knowledge and expertise
Traveling in support of agency visits/Industry functions
Productivity
Underwriting Quality
Contribution to profitability (underwriting decisions are made within assigned authority level and properly documented)
4 year Bachelor’s degree
Ability to multi-task and adapt to new situations quickly
Strong relationship management mindset
Robust experience in working with teams and/or external groups/vendors
An entrepreneurial appetite
A high degree of self-motivation
Marketing and sales orientation
Financial management and mathematical reasoning
Consultative skills

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Underwriter Resume Examples & Samples

Minimum of 3 years Banking/Accounting/Finance experience required with emphasis on SBA lending preferred
Understand and follow BSA/AML/OFAC policy and procedures as applicable to job function and promptly report suspicious activity when identified
Proficient in Microsoft Office with particular skills in Excel, ITI, One Point, etc
Minimum of BS/BA in Business, Finance, Accounting or comparable degree
Clear understanding of Bank and SBA loan policies, procedures and regulations
Clear understanding of financial statements analysis along with strong accounting skills
Manage client relationships with varying degrees of complexity
Ability to underwrite transactions/updates/action plans of client accounts with varying degrees of complexity
Strong communication and collections skills
Proactively monitor accounts/problem accounts by using appropriate and timely reporting
Understand loan documentation including funding request, Business Finance Agreements, UCC perfection, etc
Develop new business as required. Cross-sell other bank products and services
Excellent client service skills

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Underwriter Resume Examples & Samples

Successfully manages Agency portfolios for premium, mix of business and loss experience by agent audits and policy reviews
Selects, underwrites, and prices risks outside of the agents’ authority
Maintains underwriting quality and service standards and ensures customer satisfaction
Creatively responds to unusual requests or agent demands
Develops and maintains effective broker relationships
Travel as necessary, up to 20%
Mentor younger, less experienced underwriters
Willingness to take on new responsibilities as necessary
Minimum of 5 years experience
Wholesale (E&S) agency relationships; not retail/standard lines
Ability to work effectively in a team oriented office
Strong interpersonal, communication, and negotiation skills
Ability to effectively interact with all levels of company’s internal and external business partners
Flexibility and adaptability; able to quickly adjust in a rapidly changing environment

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Underwriter Resume Examples & Samples

Underwrite first and second mortgage loans for various lenders according to their prescribed guidelines, using DU/LP and any other automated underwriting engines
This position may require frequent over time, at times on a daily basis; must be available to work additional hours on short notice as determined by management to meet client service level agreements
Perform other related duties as assigned or directed

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Underwriter Resume Examples & Samples

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
Work within specific authority level to quote, accept, decline, modify and renew risks within territorial assignment in accordance with accepted underwriting guidelines. Work in collaboration with Agents, AMS, team members and other departments to grow and maintain a profitable book of business
Provide guidance to Agents and other departments regarding various underwriting information. Effectively communicate underwriting decisions and appetite to agents. Reinforce the ease of doing business with Selective by meeting or exceeding both internal and external customers’ expectations and service quality on a consistent basis
Develop and maintain effective working relationships with internal and external customers. 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
Develop and maintain effective working relationships with manager, peers and agents. Communicate openly and in a timely fashion to team members on individual progress and share information
Conduct agency visits as required
May provide CLAS coverage and system training to both internal and external customers
Develops knowledge of industry information, products, and competitors
1-3 years of commercial underwriting experience preferred

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Underwriter Resume Examples & Samples

Responsible for account level rate development for both New Business and Renewals
Develops and monitors account earning plans to achieve growth and profitability
Develops strategic recommendations related to market competition, products and pricing
Assists Sales with customer presentations and acts as financial consultant on case-specific issues
Collaborates with product/pricing matrix partners to provide input on market level product and pricing needs
Conducting customer negotiations with other underwriting areas and Sales on assigned inforce book of business
Requires Bachelor's degree or equivalent work experience
A minimum of 2 years of Group Underwriting experience required
Thorough knowledge and understanding of manual rating models and related pricing tools
Thorough knowledge and understanding of pricing adjustments and available plan designs
Thorough knowledge and understanding of logic and concepts of Experience Rating to develop claim costs

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Underwriter Resume Examples & Samples

Evaluate customer specific claims and demographics to project renewal and new business medical costs
Work with our Sales Team in a consultative manner in order to provide pricing justification to our existing customers and prospective customers
Responsible for explaining their analysis and will be able to explain how they tie back to the financial goals of the underwriting department
Proven analytical and mathematical skills either from educational study or professional experience
At least an intermediate level of proficiency with MS Office, especially Excel
Possesses strong organizational skills by prioritizing work, anticipating and meeting deadlines
Demonstrates a conscientious attitude toward workload and relationships
Understands drivers of costs
Understands expenses and profit
Possesses a good working knowledge of accounting and financial principles

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Underwriter Resume Examples & Samples

Competent in all major areas of general underwriting including, but not limited to, pricing forecasts for medical, pharmacy, dental, vision, life and AD&D, disability and EAP pricing for both rate development as well as option pricing
Competent in special pricing and marketing projects such as: medical network changes, claim re-pricing, disruption analysis, migration analysis, insured to self-funded modeling, contribution structure change modeling, as well as others
Expert in understanding actuarial plan values and how they are used in various pricing and analysis projects. This includes ability to competently use software available for such types of plan analysis and pricing
Full understanding of underwriting models and reporting templates, with ability to fully modify and customize to meet customer needs
Assists or leads all assigned client underwriting projects, including the ability to present analysis to clients directly in a confident and easy-to-understand manner
Competent in multiple carrier data and reporting systems as needed to obtain claim data for reporting and analysis purposes
Serves as mentor to Underwriter I and II
3+ years related work experience

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Underwriter Resume Examples & Samples

Manage annual certification process, business as usual revisions, development of new procedures and archival of old procedures
Draft and/or review and edit, or oversee drafting and/or review and editing of procedures
Responsible for analyzing information and developing and implementing solutions. Also responsible for ensuring effectiveness of implemented changes and solutions
Provide regular communication to Mortgage and key business partners regarding Procedure changes and maintain artifacts
Bachelor's degree in business related discipline preferred. 4 + years in financial services industry is a plus
Ability to collaborate across the organization with varying levels of leadership
Strong organizational skills with the ability to work independently, be self-directed, apply analytical skills, and think creatively
Ability to write clearly and succinctly in a variety of communication settings
Strong grammar and usage to support review and editing documents
Ability to facilitate group meetings and discussions
Prepare technical reports and work with project managers/key stakeholders
Work under general supervision and follows established procedures

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Underwriter Resume Examples & Samples

Degree with mathematical or engineering focus or CII qualification or equivalent
Minimum 10 years’ experience in treaty sector; underwriting experience in treaty reinsurance; Claims experience in treaty reinsurance
Solid compliance experience in Company and or Lloyd’s markets
Experience in a Financial Services environment
Up to date appreciation of the technical requirements of the role
Proven ability in identifying and analysing problems, creating good solutions, deploying sound decision making skills
Proven track record of knowing what it takes to provide a consistently first class customer service internally and/or externally
Demonstrable evidence of interpreting & manipulating data clearly and accurately with the ability to extract & clearly articulate key points
Demonstrates excellent communication skills, a confident and articulate presenter to internal/external audiences, exercising appropriate discretion in dealing with people from all levels of the Company
Able to organise self (and others if applicable) including effective scheduling, prioritisation and time management skills, completing tasks to tight deadlines. Demonstrates a ‘can do’ attitude
Comfortable taking ownership for own work, identifying the need for action (using initiative) whilst working effectively within a team
The role would suit highly driven self-starters, with a strong desire to challenge and deliver
First class report writing skills, ability to develop and present ideas and reasoned arguments clearly and concisely to various audiences preferred
Advanced knowledge of Microsoft Office programs; specifically Excel (including ability to manage if not write macros), Outlook, Word, Powerpoint preferred

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Underwriter Resume Examples & Samples

Evaluate new and existing project documentation including, but not limited to, appraisals budgets, Project Questionnaires, financial statements, reserve studies, Covenants, Conditions & Restrictions (CC&Rs), Offering Plans (& Amendments), By-Laws, surveys, plat maps, Engineers Report, Insurance Declarations and Policies, to determine acceptability with Chase lending policies
Work with internal partners to assist in determining if a project or individual loan requests meet eligible Condo, Cooperative and Attached PUD classifications and product specifications
Achieve targets for productivity, quality and partner satisfaction
Minimum 2 years experience in processing or underwriting credit and collateral
1-3 years experience underwriting condo or cooperative transactions
Database input
Working in a fast paced high volume environment

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Underwriter Resume Examples & Samples

Reviews field underwriting submissions to ensure internal credit quality and investor compliance
Presents transaction for loan committee approval
Preparation of Borrower credit analysis including determination of net worth, liquidity, overall financial strength and acceptability of proposed borrower structure
Acts as primary liaison between loan producer, investor, legal counsel and closing officer throughout the underwriting process
Performs property and market level due diligence, reviews third party reports and legal documents to ensure compliance with internal credit tolerances as well as investor requirements
Other related tasks include credit and real estate analysis, processing incoming exhibits and preparing final delivery of investor packages

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Underwriter Resume Examples & Samples

Five or more years' mortgage underwriting experience
Current experience underwriting VA mortgage loans
High School diploma or equivalent

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Underwriter Resume Examples & Samples

Strong oral and written professional communication skills
Proficiency in working with Excel, Word, PowerPoint
Bachelors Degree in Math, Finance, Business or related degree
2+ years experience in underwriting preferred

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Underwriter Resume Examples & Samples

Applies underwriting and risk selection techniques to determine the acceptability of new and renewal insurance risks
Responds to inquiries regarding underwriting processes and decisions, interpretation of policy forms and coverage's, and premium levels
Uses clear guidelines, an underwriting manual, and established authority levels
Makes independent decision within guidelines and procedures
Works under direct supervision
Selects from a variety of established procedures to accomplish assigned tasks
Stay informed on product changes through State Filings and possibly through other compliance related channels and take action if necessary as it relates to the underwriting function
Under guidance from lead or manager, develop underwriting guidelines that are clear, concise, and which complies with state and federal laws as well as achieving company desired results
2-3 years of related experience in the function or similar activity outside the company
Knowledgeable in all the duties of the Underwriter I position, or similar positions
Has gained knowledge & experience with computer system and company products & services

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Underwriter Resume Examples & Samples

Respond and Analyse risks submitted by brokers/cedant/producers, work together with senior underwriter and present XL Catlin quotation and risk solution to brokers
Understand Terrorism/PV or broader insurance products, understand XLC risk appetite and present clearly to brokers our strategy, product offering
Communicate with brokers/cedants on daily basis, including travels,engaged with broker according to broker relationship metrics, take up accountability on business and broker relationship, drive business and deliver business plan
Be team-player but independent role of decision making
Adopt Underwriting best practice, follow underwriting R&G and operational procedures
Engage and collaborate with other product lines for cross-selling opportunity and projects
Diploma / Degree qualification
Ideally 3 years in Property or General Insurance field
Track record of effectively managing a team of similar size/dynamics
Advanced knowledge of Microsoft Office programs; specifically Excel (including ability to manage if not write macros), Outlook, Word, Powerpoint
Desirable skills: Solid compliance experience in Company and or Lloyd’s markets; Experience in a Financial Services environment; Proven track record of knowing what it takes to provide a consistently first class customer service internally and/or externally; First class report writing skills, ability to develop and present ideas and reasoned arguments clearly and concisely to various audiences; Displays a resilient and adaptable style, track record of remaining calm in demanding circumstances, adjusting comfortably to changing conditions / priorities

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Underwriter Resume Examples & Samples

Reviews and analyzes submissions for management liability coverages such as directors & officers liability, employment practices liability, crime insurance, kidnap/ransom insurance, and professional liability for non-profit and for-profit organizations
Identifies and obtains additional information required for proper analysis of risk including cross referencing with other departments
Corresponds with other insurance professionals to obtain further information, quote rates, or explain company underwriting policies
Negotiates terms and conditions with brokers
Determines whether to accept, modify, or decline risks
Develops relationships with brokers and drives new business submission flow
Presents well during technical discussions, social interactions and relationship management
Delivers best-in-class service with attention to detail in a high volume flow environment
Assists in special projects in alignment with strategic business plans
College degree, preferably in insurance or finance
Bilingual Spanish preferred

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Underwriter Resume Examples & Samples

Review policies to verify acceptability based upon company underwriting guidelines and granted underwriting authority
Determine whether to accept, modify, or decline risks
Oversee and approve endorsements as indicated
Consult with general agents/brokers to obtain further information, quote rates, or explain underwriting guidelines
Manage assigned underwriting territory, including management of agents and travel to agent offices
Broker office visitations and marketing calls
Bachelor’s degree or one to three years related insurance experience and/or equivalent combination of education and experience
2-5 years of excess and surplus primary GL experience with authority,
Established Wholesale broker relationships
Adhere to underwriting guidelines established by the division

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Underwriter Resume Examples & Samples

Under technical direction, works within significant limits and authority to review moderately complex policies to verify acceptability based upon company underwriting guidelines and granted underwriting authority
Price and quote accounts within company guidelines
Continuous interaction with claims and loss control teams for analysis on account performance and pricing strategies to meet business objectives
Meet or exceed new business and renewal underwriting production goals
Resolve premium audit disputes within assigned accounts
Manage assigned accounts, including management of agents and travel to agent offices and insured locations
Good business acumen (i.e. understand how an insurance company works and makes money, including how this role impacts both Argo’s and our customers’ ability to be profitable)
Bachelors’ degree is preferred
Experience in insurance underwriting is preferred
Demonstrates an understanding and ability to effectively engage in the negotiation process
Independent decision maker – takes full responsibility for making decisions and consequences associated with decisions
Intellectual curiosity – the ability to consistently consider all options and is not governed by conventional thinking
A team builder, someone who understands that success is dependent upon the performance of the team and not individual team members
Excellent analytical skills, particularly with forms analysis and comparison
Ability to build commitment both internally and externally
Proficient in the use of computer programs, including Word, Excel, and Outlook, and preferably Access
Ability to travel on occasion, sometimes overnight

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Underwriter Resume Examples & Samples

Continuous interaction with actuarial team for analysis on account performance and pricing strategies to meet business objectives
Bachelors’ degree in business or related field. CPCU, ARM or other Insurance Institute coursework also required
A minimum of 3 years’ experience underwriting profitable business. Commercial auto underwriting experience is required. A background in multi-state commercial insurance is strongly preferred
Possess a strong understanding of the Forest Products/Timber practice sub-segment, along with demonstrating technical knowledge of the forest industry. A minimum of 1 year of insurance underwriting experience of the forest/timber industry is preferred
Demonstrates significant contribution to underwriting profit
Ability to travel, sometimes overnight, approximately 10% of the time. Employees are expected to have sufficient credit available to incur travel expenses (i.e. airfare, lodging. meals, rental car) for duration of the trip and be reimbursed by the company
Rate filing experience is strongly desired but not required

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Underwriter Resume Examples & Samples

Develop rates and apply them across the book of business to meet financial results
Manage the health plan renewal process for the small business segment
Discuss case specific strategy with the health plan
Process requests for renewal reviews or appeals
Provide new business pricing
Complete ad-hoc projects and reporting
Provide explanation and interpretations within area of expertise
0-2 years’ experience in underwriting

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Underwriter Resume Examples & Samples

Review all required loan data, reports, and inspections to insure the collateral is acceptable to investor, company, and FHA guidelines
Sign off conditions in a timely manner set by management
May be requested to make recommendations for improving Internal Audit’s policies and practices
Effectively communicate underwriting decisions with processors and advisors
High school diploma, GED, equivalent certification, or military experience
Must have mortgage industry experience – strongly preferred in reverse mortgage field
Acute attention to detail
Good judgment with the ability to make timely and sound decisions -
Ability to effectively present information and respond to questions
Ability to effectively communicate with people at all levels and from various backgrounds
Bilingual skills a plus

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Underwriter Resume Examples & Samples

Responsible for analyzing, evaluating, and approving consumer credit applications
Communicates with lenders regarding credit decisions and loan information
Inputs credit information into the Decision Pro System for analysis and evaluation
Work with lender to restructure credit request as needed or as necessary and to assist with any consumer lending related question
Performs other duties and responsibilities as assigned
Ability to read and comprehend simple instructions, short correspondence and memorandums
Ability to read, analyze and interpret financial reports and/or legal documents
Ability to write routine reports and business correspondence
Ability to respond in writing to customer complaints, regulatory agencies or members of the business community
Knowledge of lending principles and compliance issues related to lending
Knowledge of credit risk analysis/underwriting principles, methods, practices, and regulatory requirements
High school diploma or its equivalent is required, and
Two to four years of work-related experience, on-the-job training, and/or vocational training

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Underwriter Resume Examples & Samples

Bachelor’s degree or equivalent work experience preferred
Experience with brokerage distribution marketplace
Life underwriting experience with demonstrated competence and experience handling large face amount cases
Approval authority minimum of $1,000,000
FLMI, FALU and/or CLU designations preferred

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Underwriter Resume Examples & Samples

2+ years of business experience or a background in financial lines insurance; preferably management liability
Bachelor’s Degree; preferably RMI or Finance
Working knowledge of financial statements and analysis
Excellent interpersonal, communication and analytical skillset
Excellent organizational skills and ability to handle multiple tasks in a high-volume, fast-paced environment
Ability to facilitate cross-function collaboration, especially regarding technical aspects and other product offerings

164

Underwriter Resume Examples & Samples

Bachelor’s degree (or equivalent)
One to three years of Personal Lines Property & Casualty Insurance experience
One to two years experience of underwriting highly technical risks preferred
Knowledge of underwriting concepts, practices, and procedures
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

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Underwriter Resume Examples & Samples

1-2 years of experience in an underwriting capacity is preferred
Proficiency in software packages Microsoft Outlook, Cap IQ, Salesforce
Solid organizational and communication skills are essential
BA required, MBA preferred

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Underwriter Resume Examples & Samples

1-2 years of insurance industry experience is preferred
High degree of critical thinking
Demonstrated experience in Marketing & Sales, underwriting, and managing accounts is a plus
Strong negotiation, inter-personal and relationship management skills
Applicant should be self-motivated and results oriented

167

Underwriter Resume Examples & Samples

Prepares quotes and answers questions from brokers, policyholders or other external contacts and escalates issues to management along with proposed solutions as necessary
Analyzes quality, quantity, and profitability of risks underwritten and prepares reports for management review
Develops and maintains broker/client relationships
Utilizes underwriting policies and guidelines, rating manual rules and insurance laws and regulations
Production and underwriting of profitable new and renewal business to support global programs
Ensure files are well documented and comply with company and department standards

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Underwriter Resume Examples & Samples

E & S license
Five years of Personal Lines Property & Casualty Insurance experience
Three years’ experience of underwriting highly technical risks

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Underwriter Resume Examples & Samples

Understanding of rating factors
Basic organizational and analytical skills
Demonstrate the ability to achieve stated time service standards as outlined for particular role/function
Demonstrate the ability to achieve quality objectives as outlined for particular role/function

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Underwriter Resume Examples & Samples

Accountability
Budgeting
Business Acumen
Business Plan Development
Competitive Analysis
Conducting Presentations
Decision making

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Underwriter Resume Examples & Samples

Complete a thorough analysis of entire loan package to determine compliance with company and investor. Government experience would be preferred
Be available to Production and processing staff for questions in general or for specific loan files
Understand and review Residential appraisals
Understand and maintain a thorough knowledge of all company, investor, correspondent programs and requirements
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 changing needs within the department
Minimum three years senior level loan processing or loan underwriting experience or related industry experience
Good at problem solving, researching, and decision making
Maintain effective communication and working relationship with manager, co-workers, branches, home office departments, correspondents and brokers
Must be a self-starter, dependable, accurate in completing responsibilities with strong attention to detail and organizational skills
Able to accept and facilitate change whether indicated by corporate needs, market, or regulatory requirements
Data entry skills

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Underwriter Resume Examples & Samples

Accepts, rejects or modifies new and renewal business for all Personal Lines with limited guidance to ensure a profitable personal book of business with a focus on high-net worth experience. Reviews risk acceptability to make subjective decisions based on underwriting guidelines; ensuring standards for state compliance regulations are met. Ability to use creativity and underwriting knowledge to engineer risks and retain business with a particular focus toward high-net worth business
Manages a complex book of business to maximize profitability and growth and grow the affluent market. Reviews loss ratios and growth for agents when evaluating and making agency exceptions. Mentors newer underwriters and is a resource within underwriting department
Partners with Agency Performance Management team and Territory Managers to identify trends and patterns that might create problems and works with agents to correct
Trains and educates agency staff on Company products, services, underwriting philosophy, etc
May promote the Company's product and services by speaking to insurance-related groups, CPCU meetings, etc., and by networking within the insurance community to stay abreast of changes within the industry
Travels with Territory Manager to different agent locations to develop agency partnerships
One to two years of underwriting or relevant experience required with high net-worth experience ideal
Demonstrates negotiation skills
Achieves excellent quality results and the highest referral list

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Underwriter Resume Examples & Samples

Analyze, interpret and underwrite complex multifamily real estate transactions in compliance with respective agency guidelines (Fannie Mae/Freddie Mac)
Conduct detailed economic and demographic research to determine feasibility of transactions
Upon completion of due diligence work with Underwriters, presentation to loan committee
Develop and maintain strong relationships with origination and closing departments and external agency investors
Conduct comprehensive inspections of physical real-estate assets on an as needed basis
Bachelor’s degree in Accounting, Finance, Economics, Real Estate or other related fields
Able to travel a minimum of 10-20%
3-5+ years of direct Fannie Mae/Freddie Mac underwriting experience with large loans- GSE multifamily experience is preferred
Prior DUS underwriting experience with extensive familiarity of Fannie Mae and Freddie Mac Multifamily Guides

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Underwriter Resume Examples & Samples

Support the development of an organization focused on high quality risk assessment. This requires the incumbent to
Minimum 2-3 years insurance experience
Consistently meet quality and quantity standards as outlined by department expectations
Strong knowledge of products for which they underwrite
Ability to navigate and partner/collaborate effectively throughout all departments in Operations
Demonstrated initiative and results orientation
Demonstrated ability to be persuasive and negotiate
Ability to work independently and address problems through own initiative and creativity
Flexibility to work well under pressure, manage multiple priorities and tight deadlines
Demonstrate ability to work both independently and as part of the team
Demonstrated ability to mentor associate UW’s
Other responsibilities as defined by manager
Meets the standards for this position, as defined in the Talent Management framework

175

Underwriter Resume Examples & Samples

Determine degree and acceptability of insurance risk for personal lines policy applications, endorsements and renewals by analyzing property characteristics, identifying hazards and reviewing inspector comments as required to ensure profitable risk selection
Perform due diligence by 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 processing policies in a timely and efficient manner to meet department production requirements, state regulatory requirements and agent expectations
Facilitate the resolution of basic Department of Insurance (DOI) inquiries by evaluating written policies and clarifying information to communicate underwriting process and assist with determining validity and compliance of underwriting decisions
Build relationships with agents by conducting training sessions, informing on new products and programs and clarifying and explaining underwriting decisions to ensure understanding of Personal Lines goals and objectives
Foster a partnered approach to underwriting by sharing knowledge, developing underwriting skills and engaging Associate Underwriters to perform support and administrative tasks
2 years relevant experience

176

Underwriter Resume Examples & Samples

Underwriting new business and renewals providing quotes in a timely and professional manner in line with agreed service standards
Responding to customer enquiries in a timely and professional manner
Working with Service Standards as agreed with Manager
Two years underwriting experience is preferable but not essential
Relationship development, including visitations, with a variety of brokers
Experience of developing a growing portfolio
A self-motivated individual you will have excellent communication skills, problem-solving and process improvement experience
Relevant insurance or tertiary qualifications desirable

177

Underwriter Resume Examples & Samples

Prior experience with Defense Base Act insurance is a plus but is not required
Experience underwriting domestic workers compensation is also beneficial
Ability to interact with insurance brokers and clients
Strong computer skills including Excel
Ability to work in a fast paced environment and be able to meet deadlines

178

Underwriter Resume Examples & Samples

Knowledge of state and Federal regulations including California Health & Safety Code Section 1357
Three years of experience as an underwriter
Ability to function independently and make sound decisions based upon thorough investigation of available information
Ability to handle complex tasks and shifting priorities
Demonstrated strong financial and analytical abilities, including ability to disseminate and weigh numerous relevant facts
Demonstrated ability to manage several concurrent projects, while prioritizing accordingly to meet relevant timeliness
Must have strong financial and analytical abilities, including ability to disseminate and weigh numerous relevant facts
Ability to manage several concurrent projects, while prioritizing accordingly to meet relevant timelines
Proficient in Excel, Word and Access programs
Experience in a Healthcare or Plan operations

179

Underwriter Resume Examples & Samples

To support the design, development, analysis, interpretation and presentation of statistical personal lines underwriting data, obtained from information systems
To interpret and provide accurate and timely personal line underwriting information to managers in a format that is easily understood and relevant to the decision making process
To perform quality control evaluations on personal lines portfolio renewals and multi claimants. To demonstrate specialized personal lines product and market knowledge in assessing referred risks
Grade 12 and AIISA or FIISA (or working towards)
5 years experience of which 2 years must preferable be in portfolio management
NQF Level 4
Sound knowledge of how to optimize underwriting performance at a policy and portfolio level
Expert portfolio management knowledge and understanding portfolio management principles
FAIS compliant, 60 credits would be an advantage
Above average presentation skills
Strong portfolio management skills
Strong portfolio audit skills

180

Underwriter Resume Examples & Samples

Renewal underwriting of middle market sized E&S hazard US Casualty business
Collaborating with in-house team of production underwriters to support a growing and diverse book of profitable renewal business
Adhering to underwriting rules and guidelines and developing strong producer relationships via quality service
Lines of business include General Liability, Excess Casualty, Automobile and Workers Compensation

181

Underwriter Resume Examples & Samples

Preparing client deliverables (reports, letters, presentations) primarily with MS Excel and Word
Responding to client requests for advice, information, explanations, or schedules through phone and e-mail
Working with large insurance carriers such as Blue Cross Blue Shield, United HealthCare, Aetna, Cigna, and Humana to collect data and other reports
Exceptional administrative, organization and business skills. Friendly and engaging personality that enjoys meeting various types of people from all areas of the country
Natural attention to detail with the ability to manage multiple projects
Ability to work independently within a team-based environment
Flexibility within a customer first attitude
Previous experience in underwriting capacity a plus but not required

182

Underwriter Resume Examples & Samples

Reviews to insure all HUD requirements met on FHA loans, loan is insurable and PNMAC overlays applied
Review on jumbo loans to insure all investor requirements
Reviews should contemplate Fraud and all “red flags” addressed or escalated as appropriate
Input all required information into Lending Space underwriting module accurately and within established time frames
Suspensions posted to the Client must be accurate and necessary
All loan decisions must be performed within the established SLA’s but never sacrificing quality for quantity
Must currently be an FHA Designated Underwriter
Proficiency with automated underwriting systems such as Desktop Underwriter and Loan Prospector
At least 2 years experience at underwriting borrowers with complex financial and income statements
At least 2 years experience preparing cash flows on partnerships, s-corporations and corporations
Knowledge of mortgage lending laws and regulations
Functional knowledge of state and federal agency mortgage loan guidelines and regulations
Willing to speak up, voice opinions and offer constructive advice in a professional manner
Must maintain confidentiality of sensitive information

183

Underwriter Resume Examples & Samples

Marketing, underwriting, and servicing of Public Company Directors and Officers (D&O), Employment Practices (EPL), Fiduciary Liability, and Crime
Building and maintaining broker relationships through visitations and relationship building
Drive underwriting efficiencies and profitable growth strategies on renewal and new business book, utilizing all available operational tools
Responsible for renewal retention, new business production and account rounding
Develop new business opportunities as well as develop cross-sell opportunities by collaborating with other AIG divisions

184

Underwriter Resume Examples & Samples

Reviewing and analyzing public and private M&A transaction documentation, due diligence reports, and target company financial statements/quality of earnings reports in order to identify deal risks, assess target company financial strength and perform pre-underwriting analysis used in quoting warranty and indemnity insurance
Drafting and submitting custom-tailored quotes for new proposed M&A insurance policies and following up with brokers to win new business
Interacting with and supporting senior underwriters on day-to-day business issues and throughout the underwriting process including performing detailed analysis of issues raised on underwriting calls and in due diligence reports
Negotiating and drafting insurance policy terms and language specifically addressing the risk and issues in each transaction
Collaborating with and helping supervise outside counsel hired to represent XL Catlin with due diligence on each transaction
Developing and cultivating relationships with M&A insurance brokers, lawyers, private equity firms, deal principals and internal XL Catlin colleagues
Gathering underwriting information via the Internet and other publicly available sources and completing underwriting analysis for each unique risk
Conducting financial analysis on target companies and potential insureds
Contribution towards the running of the accounts. Monitoring & managing status/progress of accounts implementation from quote processing to policy issuance, premium collection and policy maintenance (certificates, endorsements etc.)
Some experience of Warranty and Indemnity or Financial Lines underwriting, or
Substantial corporate experience working in a transaction-oriented role such as underwriting and analyzing M&A credit facilities, preparing valuation analysis, acting in an investment banking, private equity or other financial services advisory capacity, in-house corporate legal team, internal corporate development team at a strategic acquirer or a transaction advisory services role at an accounting firm, or
Some experience as qualified lawyer with a focus on Merger, Acquisition and other corporate transactional work
Basic knowledge of transactional legal exposures (warranty breaches, tax structuring issues, price adjustment mechanisms, litigation, and computation and measure of damages)
Ability to comprehend financial statements and comfort addressing tax issues and other commercial matters
Financial Accounting / Auditing experience a plus
Specific experience underwriting, procuring, broking or negotiating representations and warranties insurance or other transactional risk insurance on behalf of deal clients is a strong plus
Strong negotiating skills and comfort working with legal documents
Self-starter, highly focused, enthusiastic and creative thinker
Strong interpersonal skills and ability to work collaboratively within a team environment is essential
Organized, and able to work in a fast paced environment with tight deadlines and deal-time pressures
A 2.1 degree (or higher) in Finance, Accounting, Economic, Law or Business required

185

Underwriter Resume Examples & Samples

Working with Underwriting Regional Leaders in furthering the XL Catlin Design Professional Platform and achieving business’ financial plan
A minimum of three years of commercial insurance experience (e.g., underwriting, claims, or insurance risk management or insurance related business development experience)
Collaborative team player who provides creative solutions and ideas for resolution
Travel +/- 30%

186

Underwriter Resume Examples & Samples

Review, evaluate and price business by applying sound underwriting judgment and adhering to company policy and state regulations within established authority
Underwrite insurance risks under 100K 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
Participate in the review and analysis of the portfolio to identify progress toward business objectives
Research and obtain market intelligence in order to enhance organizational profit goal
Comply with all legal and regulatory requirements to ensure obligations are met
Adhere to underwriting standards, instructions and good practice to minimize risk and maximize efficiency
Understand and comply with any reinsurance requirements to minimize risk and to deliver business plan objectives
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 Commercial Lines goals and objectives
Contribute to assigned special projects by assisting with Commercial Lines audits, participating in department product and process improvement initiatives
Working knowledge of commercial lines products and insurance concepts
Working knowledge of underwriting processes and procedures
Working knowledge of laws and regulations related to area of responsibility
Knowledge of risk profiling, pricing tools and loss models
Commercial business acumen
Effectively and efficiently present logic, reasoning, and analysis to managers
Negotiate skillfully in tough situations with both internal and external groups to settle differences with minimum noise
Recommend improvement opportunities and translate them into tangible business deliverables

187

Underwriter Resume Examples & Samples

Meet or exceed agreed upon targets for return on equity (ROE), volume, conversion ratios, and other business metrics
Coordinate with Manufacturing Relationship Managers and assist with on-going business development via telephone and
Highly skilled in credit decisioning, with a solid understanding of credit and applicable federal and state regulations

188

Underwriter Resume Examples & Samples

2+ years of Commercial Insurance Company, Agency or Brokerage experience
Knowledge of US Property lines of business, including product features, forms, regulatory environments and risks etc
Strong sales, marketing, and relationship building experience
Willingness to be flexible, learn on the job, and maintain a can-do attitude

189

Underwriter Resume Examples & Samples

Evaluates credit package and collateral for residential mortgage loans to ensure an investment quality loan product
Verifies accuracy of all calculations
Maintains company productivity level and complies with designated turnaround time for underwriting of files
Complies and provides required reports to management as needed
Keeps Encompass updated as required
Responds to reviews and audits in a timely manner
Maintains a professional image and adheres to standards consistent with company policies and procedures

190

Underwriter Resume Examples & Samples

Credit and/or collateral Underwriting
Residential Mortgage Underwriting
Capacity to analyze complex borrower documentation, determine income and repayment ability, assess borrower hardship as applicable for borrower assistance files, housing expenses, potential fraud and determine proper loan resolution
Knowledge of specialized systems, tools, spreadsheet calculators, process and contractual requirements
Strong commitment to customer service

191

Underwriter Resume Examples & Samples

A basic understanding or ability to quickly learn and understand the technical aspects of Inland Marine Underwriting
Exceptional Customer Service attitude
Strong teamwork/Interpersonal skills
Must have excellent MS office incl. Excel & PowerPoint skills
Industry Inland Marine experience a plus - general insurance underwriting interest and/or experience

192

Underwriter Resume Examples & Samples

Under general direction underwrites assigned risks
Analysis and recommendations including major underlying assumptions, decision-making processes and conclusions are reviewed by senior underwriters or management. U
Nderwrites assigned risks within individual authority across numerous product lines
Engages brokers and develops excellent working and production relationships
May make independent sales calls to market and cross-market products
Develop underwriting skill through on-the-job training and participation in training courses

193

Underwriter Resume Examples & Samples

Used independent judgment and initiative to support business growth. Maintains a high level of customer service
Analyzes coverage and limit requests and determines terms to be 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
Interprets, explains and markets products and services to both internal and external customers/coworkers
Applies underwriting rules and guidelines and insurance laws and regulations
May provide guidance and assistance to lower level positions or may have responsibility for the performance and coaching of staff
Must be flexible with job responsibilities
Must have a Bachelor’s degree and a minimum of 3 years commercial property and casualty underwriting experience, or equivalent work experience
Certifications such as CPCU, AMIM, AIC, INS, ARM, etc are strongly desired
Progression toward certification in area of expertise preferred; appropriate certifications could include AU, CPCU, CIC, INS or ARM
Must have strong analytical, decision making, and problem resolution skills
Position requires occasional travel, including overnight trips

194

Underwriter Resume Examples & Samples

Responsible for an assigned book of business in which account information is evaluated, underwritten and priced within authority guidelines. Has responsibility for risk selection/rejection, retention, growth and profitability within scope of authority and per divisional objectives
The position requires the ability to assess a variety of transactions (including IPO’s, mergers and acquisitions, bankruptcy emergence), life cycle phases (from start-up to mature/declining) and levels of sophistication (sole proprietorships to Fortune 500)
The underwriter is expected to perform in depth financial statement and securities valuation analysis of prospective risks and make recommendations on pricing and terms consistent with underwriting guidelines
Maintains a high level of customer service. Communicates directly with Brokers to develop and maintain strong relationships. Promptly issues quotes, policies and endorsements
Bachelor’s degree in Finance, Economics or other Business related field, inclusive of financial statement analysis skills
Underwriting/Insurance experience considered an asset
High level of organizational skills, ability to establish priorities and meet deadlines
Strong verbal and written communication skills in order to leverage excellent customer relationships, and to provide opportunities for marketing products and services
Able to work in a small office setting
Must be open to travel, including occasional overnight travel
Must be bilingual in French and English (able to speak, read and write in both languages)

195

Underwriter Resume Examples & Samples

Timely respond to and create ad hoc or additional reports
Provide technical product training for distribution channel and sales staff
Respond in a timely manner to questions from for distribution channel and sales staff
Other duties as may be assigned by supervisor

196

Underwriter Resume Examples & Samples

Ensure complete and accurate policy processing activities by reviewing and/or data entry of applications, policy changes, actual production history (APH), acreage report (AR) written agreements, and gathering missing information, resolving inconsistencies and confirming next steps
Review all written agreement documents before submission
Proficient with Easy Mapping, Easy Hail, On Base and workflow
Escalate issues when necessary

197

Underwriter Resume Examples & Samples

Participate in review and evaluation of customer accounts, making recommendations on book management issues
Ability to analyze risk and adhere to underwriting standards for risk selection and profitability
Ability to travel as required to meet customer needs
Good organizational and time management skills required

198

Underwriter Resume Examples & Samples

Underwrite 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 coverages to meet desired customer needs. Provides technical assistance to customers regarding policy and endorsement provisions and underwriting acceptability for designated insurance coverages
Develop collaborative relationships with external and internal customers. Work proactively with customer to define profitable risk accounts to underwrite. Provide effective and timely communication on risk selection and decisions and provide ongoing service to endorsement changes. Participate in review and evaluation of customer accounts, making recommendations on book management issues
High School diploma and 1-3 years related P&C underwriting experience with underwriting authority required. Bachelor’s degree and experience strongly preferred

199

Underwriter Resume Examples & Samples

Determine level of qualification for a loan applicant and render decision on applicant’s ability to repay
Input all required information into Harland E3 system
Perform all processes necessary to review loan within the SGM - Imaging file
Must possess a High School Diploma
Must possess the following designations: FHA DE/CHUMS
Must possess a thorough knowledge of Stonegate Mortgage Corporation’s product mix, appraisals, tax returns, disclosure compliance, and AUS underwriting engines

200

Underwriter Resume Examples & Samples

Perform all processes necessary to review loan within the SGM - Imaging file storage system
Perform Fraud review with relation to Interthinx Fraud Guard generated reports
Perform Early Check DU function to check loan parameters of 1003 export against DU findings
Perform FHMLC LQA function to check loan parameters of 1003 export against LP findings
Complete loan lock reconciliation process in order to ensure that loan parameters meet all lock requirements and all data matches per data integrity requirements
Order Mortgage Insurance, as applicable, via the E3 interface connection
Sign and execute all documentation necessary to complete the underwriting of a loan file to forward to the closing department
Record loan rejections, specifying investor and institution guidelines and basis for declining application, to include Mortgage Advisor notification and compliance with HMDA reporting
Manage all daily conditions due within the OLIE system, keeping to service level agreements for turn times
Communicate with Underwriting Team Lead to advise of any sales processing issues
Maintain excellent customer service skills constantly attempting to enhance the customer service experience with all internal and external customers
Provide timely responses to all voicemail and email communications
Perform all other duties as requested or assigned
Desire to take personal responsibility to complete tasks and solve problems
Ability to perform tasks and complete projects with minimal supervision
Represent Stonegate Mortgage Corporation in a professional manner by dressing professionally daily while in the office or when attending events
Practice Stonegate Mortgage Corporation Core Values
Ability to think logically in order to analyze situations and make sound decisions
Flexibility in decision making with strong problem solving skills
Ability to implement an effective daily time management routine
Customer service driven; responsive to client issues and concerns

201

Underwriter Resume Examples & Samples

Authority to approve loans up to $650,000.00
Perform all processes necessary to review loan within the BlitzDoc file storage system
Perform Early Check DU function to check loan parameters of 1003 export against DU
7+ years’ of manual/traditional underwriting experience
Thorough knowledge of Stonegate Mortgage Corporation’s product mix, appraisals, tax returns, disclosure compliance, and AUS underwriting engines
Experience in underwriting DE, VA SAR, VA LAPP, FHA, VA, USDA, Agency, High

202

Underwriter Resume Examples & Samples

Establish and develop good working relationships with intermediaries for the purpose of maintaining and developing profitable business
Ownership and involvement in team projects and strategic initiatives
Experience in commercial insurance products including Property, Liability and Motor
Excellent customer service and relationship building skills

203

Underwriter Resume Examples & Samples

Evaluate the experience of a risk against the class of business under review and loss potential due to catastrophe, severity and/or frequency
Reviews requests for cancellation, endorsements, renewal consideration, etc
Request additional documentation necessary for the processing of an application, endorsement or cancellation
Bachelor degree, preferred, or equivalent combination of education and work experience
Industry designation, such as CPCU, preferred
Minimum 2 years commercial multiline underwriting experience, with preference of focus on small business
Strong analytical skills and the ability to pay attention to detail
Demonstrated effectiveness communicating with and influencing others
Proficiency with Microsoft Office applications and demonstrated ability to learn new software applications

204

Underwriter Resume Examples & Samples

Evaluate, accept, reject, price and service commercial insurance policies within accepted company procedures and guidelines
Analyze commercial lines accounts to make decisions based on individual risk characteristics, exposure analysis, hazard recognition and controls
Determine class fit of small business accounts across our targeted commercial lines of business. Targeted commercial lines of business include auto, business owners (BOP), general liability (GL), property, umbrella and workers’ compensation line of business
Review and determine plan of action for renewals utilizing loss control inspections, loss experience reports and third party data providers
One or more years multi-line underwriting experience
Demonstrates excellent oral and written communication skills
Ability to follow instructions and work independently to carry out assignments

205

Underwriter Resume Examples & Samples

Understand the principals and practice of insurance
Effective use and understanding of technology required to transact business
Detailed understanding of the methods of rating as applied to motor fleet and/or non motor business including the principal of claims triangulations
Basic financial management skills

206

Underwriter Resume Examples & Samples

Determine degree of risk from such factors as applicant loss experience, length of time in business and type of clientele etc
Determine pricing of account or declines risk in accordance with company underwriting policies
Contact agents to obtain further information, quote rates, decline risks, or explain company underwriting policies
Secure authorization of reinsurance when appropriate
Release quotation(s) to agents and brokers via computerized quotation system
Provide ongoing service to brokers on existing accounts
Meet minimum production standards
Handle coverage analysis, pricing, and negotiating both new and renewal business
Ensure that production and underwriting objectives with respect to profitability are achieved
Maintain the highest level of customer service
Other related duties as assigned

207

Underwriter Resume Examples & Samples

Reviews, amends and okays all policies before being issue
Identifies, develops and establishes key producers relationship
Direction setting regarding branch strategy or product specific strategy; And implement underwriting
Insurance/financial/accounting relevant working experiences is a plus
Good with all MS Office application
Must be fluent English/Mandarin, written and spoken
Good financial, analytical, and presentation skills
Marketing oriented preferred
Good with communication and interpersonal skills
Target and result oriented
Tactful in solving problems
Willing & able to learn in a face pace environment
Must be able to work well under pressure

208

Underwriter Resume Examples & Samples

Provide technical supports and advice to producing channels including recommendation on appropriate coverage for risk submitted and assistance in resolving complex problems, provide training to channels
Meet with clients with producers to promote Casualty product, interact and negotiate with clients
Attention to detail and result orientated
Negotiation ability and presentation skills

209

Underwriter Resume Examples & Samples

3 - 5 years mortgage underwriting experience
Jumbo, FHA (DE), USDA and/or VA (SAR/LAPP) certifications are preferred
Work closely with processing to answer specific loan questions, clarify specific conditions or documentation requested and to resolve problems in a timely manner

210

Underwriter Resume Examples & Samples

Underwrite new and existing policies in accordance with organisational policy and underwriting standards
Provide a timely and professional level of service to customers and intermediaries
Deliver timely decisions and problem solving solutions for customers and intermediaries
Develop and maintain strong working relationships with all customers, intermediaries and internal stakeholders
Evaluate risk for new business in accordance with standards, to ensure profitable growth
Identify and convert new business opportunities
Strong Underwriting experience, ideally in the Motor, Property or Liability streams
Strong interpersonal, relationship management and communication skills
Ability to engage key stakeholders, and build positive working relationships
Negotiation and problem-solving skills
Analytical and research skills

211

Underwriter Resume Examples & Samples

Produce, underwrite, manage and service a profitable book of multi-national casualty new and renewal business per XL Catlin underwriting guidelines
Responsible for the XL Global Program Center of Excellence (COE) providing exemplary client services to satisfy Global client needs
Effectively negotiates and secures policy terms that align with XL Catlin directives
Cultivate 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
Effectively cross-markets with other XL Catlin lines; meets with brokers and insureds as required
Minimum 5-10 of years underwriting experience with Multi-national Casualty focus. Ability to develop and maintain relationships with customers and producers
You should possess strong analytical and problem solving skills as well as strong sales and marketing abilities
Mental Agility: Innovative thinker, willing to turn ideas on their head. Bright and can handle highly complex situations

212

Underwriter Resume Examples & Samples

Collaborate with team by escalating issues to upper level underwriting professionals to solicit guidance on complex issues
3 years' relevant experience
Working knowledge of insurance products and insurance concepts
Relevant trends and information within industry
Use wise, astute and insightful judgment to make sound decisions
Understand, monitor, and improve underwriting technical systems
Clearly and confidently convey information to various audiences through speech and writing
Guide oneself with little or no supervision, and depend on oneself to get things done
Appropriately prioritize assigned tasks to ensure timely goal achievement

213

Underwriter Resume Examples & Samples

Offer to selected candidate will be made contingent on the results of applicable background checks
Our policy restricts consideration of applicants needing employment sponsorship (visas) to specialty occupations. Sponsorship will not be considered for this position
Experience with specialty lines products is preferred
Demonstrated experience developing and cultivating relationships with carriers and agents
Demonstrated experience performing complex financial, actuarial or business analysis
Demonstrated experience using carrier quoting engines and dynamic pricing systems
Demonstrated experience with product innovation
Extensive knowledge and understanding of underwriting philosophy and practices
Solid knowledge and understanding of independent agency systems and economics
Solid knowledge and understanding of surplus and specialty insurance
Strong knowledge of insurance industry and insurance-related financial concepts

214

Underwriter Resume Examples & Samples

Budget/Strategy: Contribute to the direction of the portfolio with the aim to achieve the business plan targets and other goals; a particular attention kept on targeted loss ratios as well as provide input relevant to proactive cycle management
Business Focus: Be proactive in marketing Company’s appetite and presence; develop new business opportunities, take part in marketing initiatives with other classes of Reinsurance; escalate issues as required
Communication and Training: Provide adhoc training to junior or personnel from outside the team as appropriate
Distribution: Build strong trading relationships with all key brokers and clients; undertake regular formal and informal meetings with minutes distributed accordingly as applicable; embrace the concept that relationship management and service is an integral part of the Underwriter’s role
Regulatory: Follow relevant procedures and guidelines and ensure compliance with Group and Regional Underwriting Guidelines, Lloyd’s, FSA and appropriate local requirements, as well as with other external legal and regulatory requirements
Reporting / Aggregate Management: Undertake business reporting according to requirements (exposure monitoring portfolio and programme analysis, benchmarking); proactively communicate market intelligence; ensure the Underwriting Manager is kept fully aware of any key issues and developments related to XL Catlin in Australia
Underwriting: Price programmes utilising XL Catlin tools with involvement from Actuaries as appropriate; check slip wordings against preferred wordings and ensure all deviations are documented and referred where required; ensure all risks are recorded within XL Catlin systems in accordance with procedural standards
Guidelines: Adhere to top quality and best practice underwriting according to Company’s standards and guidelines. Ensure that all risks written by the Property Treaty team are within the normal XL Catlin underwriting criteria and maximum line allowable under the personal and team underwriting authorities and referred to a higher authority as appropriate. Ensure that that aggregate exposure is appropriately recorded and within limits prescribed in personal and office underwriting authorities
Peer Review: Take an active role in the peer review process and engage with personnel within the business as appropriate to ensure the best possible outcome is achieved for XL Catlin
Claims: Promptly handover claims to claims team, and support and provide input on settlement of claims as required; be aware of the guidelines in place and reporting protocols to follow; support the large loss protocol the event of a Nat Cat event or significant per risk loss by providing timely and accurate reporting on potential and expected exposure
XL Catlin Group policies and procedures: Adherence to XL Catlin policies and procedures as detailed in the latest available Employee Handbook and Group policies. This also includes the prompt notification to the Principal Officer and/or CFO of any change in circumstances including, but not limited to, personal financial irregularities, criminal convictions, fitness and propriety for the role
Qualifications: University degree or equivalent; ANZIIF or similar industry qualification, or willingness to study towards this
Experience: 5-10 years of relevant industry experience with a minimum of 3 years in a Property Treaty Underwriting role, or similar; existing relationships within the ANZ Reinsurance market with both brokers and cedants

215

Underwriter Resume Examples & Samples

Evaluate and classify medical, non-medical and financial risks on large, complex and challenging risk/cases
Effectively communicates, sells and negotiates RGA’s underwriting decisions
Keeps abreast of industry products, current developments and changes in medical and financial underwriting and maintains/updates professional development
Build and maintain strong working relationships with clients by gaining knowledge of clients’ business and uses effective listening skills to understand their needs
Serve in industry organization and boards representing RGA
Participate in special projects as directed

216

Underwriter Resume Examples & Samples

High School Diploma or Equivalent and 5 or more years of Underwriting experience in the Insurance area
Bachelors Degree with 3 or more years of insurance industry experience
Highly advanced knowledge and practice of line/s of business
Advanced knowledge of underwriting philosophy, techniques, national/local filing regulations and guidelines
Ability to effectively assess risk
Ability work in a team environment

217

Underwriter Resume Examples & Samples

Bachelor’s Degree in business administration, finance or accounting
5-7 years banking or finance company underwriting experience desired, with direct consumer loan, small commercial and mortgage underwriting experience preferred
Thorough knowledge of consumer lending laws and regulations, direct lending practices and applicable consumer lending laws, and banking regulations

218

Underwriter Resume Examples & Samples

Reports to Transaction Management Department Manager
Strong interpersonal and relationship development skills
General knowledge of federal and state regulations relating to real estate title insurance and settlement services
Ability to collaborate, “think outside the box” and make sound decisions to resolve complex matters
Ability to multi-task, prioritize and follow up in a timely manner
An ability to work well as part of a team
Ability to travel and work outside normal business hours

219

Underwriter Resume Examples & Samples

Strong knowledge of the Harland Data Entry & Decision Pro System
Demonstrated credit skills
Bachelor's Degree or equivalent
Minimum of 2 years of broad consumer loan origination and underwriting experience across all relevant product lines
Underwriter 2 requires 4+ years of experience

220

Underwriter Resume Examples & Samples

Adhere to Company underwriting authorities, philosophies and practices to ensure that the department’s technical standards are maintained
Underwrite renewal and new business within agreed income plans, loss ratios and expense budgets
Develop and maintain positive and effective relationships with designated clients/brokers to ensure that development and retention targets are achieved
Work within confines of AIG working practices within the business unit to ensure that customer service expectations are achieved and technical standards are maintained
Control own work-state to ensure effective service in the processing of renewal and new quotations, endorsements, queries and service existing business
Assess risks to ensure the quality of business accepted complies with Company standards and work within agreed decision making standards, limitations and authorities when negotiating
Lead by example. Build trust and respect, Support the development of others
Actively cross sell and up sell on accounts across UK Group Personal Insurances and other Profit Centres
Continually identify and develop best practices and procedures plus look for new ways to improve the service and product offering
Take personal responsibility for career development and pro-actively keep up to date with industry and business issues and changes
To carry out your accountabilities and objectives within the framework of AIG Insurance UK’s TCF policy
Proven track record of underwriting renewals and/or new business
A good understanding of the London marketplace, preferably A&H
Good understanding of the broker and client operational environment
Highly literate

221

Underwriter Resume Examples & Samples

Auditing and processing policy documents
Reviewing insurance documents such as applications, production reports, acreage reports, and applies underwriting rules
Data entry of policy information, production data, acreage report data, and updating records
Communicating with agents, RMA regional offices, field personnel, and policyholders to obtain information, records, and to answer questions and inquiries
Preparing, printing, and analyzing a variety of reports and policy forms
Assisting with training agents and processors
Clearing policies of FCIC errors on a regular basis
Auditing outgoing reports and policy forms for accuracy
Assisting with other duties as necessary
Leadership: Demonstrates managerial courage. Coaches, trains, sets expectations, evaluates and holds people accountable for delivering

222

Underwriter Resume Examples & Samples

Contact applicants and policyholders to develop exposures, make decisions, accept, modify or reject the risk exposures in accordance with underwriting policies, practices and Exchange guidelines
Communicate effectively and document their decisions to applicants and internal business partners
Bachelor’s degree or currently being pursued, plus two or more years underwriting or insurance experience preferred
Strong phone, computer and organizational skills
Solid analytical and problem solving aptitudes
Ability to work in a high-energy, collaborative, team oriented environment

223

Underwriter Resume Examples & Samples

Review initial screening and loan application
Monitor the collection and due diligence materials as well as approval of due diligence materials reviewed by underwriting staff
Serve as the primary point of contact for clients and may be the point of contact on credit and underwriting issues with the Agency, when necessary
Responsible for training underwriting team members
Complete review, analysis and approval of due diligence materials related to a loan submission
Review and provide commentary on third party reports
Finalize the underwriting narrative and model and/or provide direction to underwriting staff
Ensure on-going communication on all aspects of the loan process with key stakeholders
Conduct site visits independently
Ability to take ownership for loan transactions and manage workload with minimal supervision
Thorough product knowledge of Agency financing and general multifamily financing alternatives
Proficient in analysis of Mortgage Credit and Borrower structures
Excellent critical thinking and decision making skills
8 or more years of experience in underwriting roles
Proven management capability

224

Underwriter Resume Examples & Samples

Risk selection and analysis using logical methodical underwriting tools and methods to support decisions
Ensuring all accounts are underwritten and structured with full regard to risk and profitability
Ensuring all files are well documented and comply with Company and Departmental requirements
Executing key strategies to meet goals while adhering to division underwriting guidelines
Review technical environmental reports, underwrite complex casualty risks and negotiate insurance policy terms and conditions
Develop and manage broker and intermediary relationships to target and acquire insurance opportunities
Plan and initiate internal and external marketing and cross marketing activities including the ability to balance business travel with internal responsibilities
Minimum 3-5 years underwriting experience
Knowledge and/or experience in environmental or casualty lines of business and/or an understanding of environmental exposures a plus
Must be positive, energetic, self motivated, possess strong interpersonal, communication and presentation skills, be well organized and have strong negotiating skills
Team player a must
Ability to read, write and speak French a plus

225

Underwriter Resume Examples & Samples

Strong credit underwriting skills – including analysis (research, modelling and use of risk analytical tools), documentation and transaction management (including with a variety of transaction structures, policy wordings, etc.)
Develop and maintain strong broker / client relationships and an ability to generate new business streams in key locations across the Asia Pacific region
Diligent assessment, pricing and underwriting of corporate and structured credit risk, together with contract frustration and political risk business
Support the portfolio management and restructuring of existing risk exposures
Ensure compliance with group guidance on credit and political risk analysis
Use internal modelling systems to support the underwriting process
Undertaking research, using a wide variety of public source and subscription based tools, as part of the underwriting process – including collating and interpreting findings to enable recommendations to be discussed and debated or recommendations presented for underwriting decisions on new risks
The ability to undertake overseas travel as required
Maintaining up-to-date knowledge of key insurance market and Lloyd’s issues, conditions and developments
Use judgment and discretion to solve day to day problems
Follow all internal company procedures where applicable including, but not limited to, administrative procedures, expenses, health & safety
Ensure that, as a XL Catlin employee, you are representing the XL Catlin organisation in a professional and appropriate manner
The role requires individuals of Graduate certification, preferably with proven experience in finance or accounting disciplines; fully or part ACII or CFA qualified, and/or willing to study towards these or similar qualifications
5 to 7 years of experience and demonstrated capability in credit analysis and financial modelling, research etc. Fluency in Mandarin (conversational in business context, ability to review written financial statements and contractual documents etc.) shall be advantageous
Track record of identifying and analysing problems, identifying & evaluating options, deploying sound decision making skills
Ability to build effective working relationships (internally/externally), establishing credibility amongst a wide and demanding client group (if applicable)
Desirable Skills: Solid compliance experience in Company and or Lloyd’s markets; Advanced knowledge of Microsoft Office programs; specifically Excel (including ability to manage if not write macros), Outlook, Word, Powerpoint

226

Underwriter Resume Examples & Samples

Review and evaluate loan documents to ensure accuracy, completeness, and compliance with company standards, federal and agency standards and guidelines, as well as any applicable state-specific and or local regulations, ordinances, etc
Analyze customer’s loan-to-value ratio, debt-to-income ratio, credit report, application, income and assets, source(s) of down payment funds, and supporting documentation to identify potential fraud or misrepresentation
Review appraisals to ensure that loans meet secondary market, investor, and company standards
Use expertise to answer questions and resolve escalated issues from junior-level teammates
High school diploma or equivalent required; college courses/technical training related to Business, Finance/Accounting, Legal, or related field is preferred, along with total recent work experience that includes five or more years underwriting conventional, FHA, VA, or Bond Program loans, and/or five or more years experience underwriting jumbo, or permanent/one-time close loans
Direct Endorsement (DE) certification required; must have current certification(s) for any assigned region with state-specific requirements to originate/supervise loans, along with endorsements including Direct, VA, Auto and SAR
Ability to think critically, including the ability to evaluate facts and data to draw conclusions, and determine the downstream impact of decisions and associated risks
Prior experience using internal data entry systems, Microsoft Word, Excel and PDF/Document Retention programs

227

Underwriter Resume Examples & Samples

High school diploma or equivalent required; college courses/technical training related to Business, Finance/Accounting, Legal, or related field is preferred, along with total recent work experience that includes three or more years underwriting conventional loans, along with at least one year experience underwriting FHA loans
Direct Endorsement (DE) certification required; must have current certification(s) for any assigned region with state-specific requirements to originate/supervise loans
Detailed knowledge of overall mortgage lending processes, including underwriting, funding, and loan processing
Detailed knowledge of valid documentation related to the processing consumer mortgage applications (e.g., tax returns, financial statements and records, verification of income and deposits, etc.)
Detailed knowledge of underwriting and regulatory requirements; detailed knowledge of federal, state, and regulatory requirements/guidelines related to consumer mortgage lending and internal processes and controls

228

Underwriter Resume Examples & Samples

Review and evaluate loan documents to ensure accuracy, completeness and compliance with Company standards, federal and agency standards, and guidelines, as well as any applicable state-specific and or local regulations, ordinances, etc
Analyze loan-to-value ratio, debt-to-income ratio, credit report, application, income and assets, source(s) of down payment funds and examine supporting documentation to identify potential fraud or misrepresentation
Review appraisal to ensure that loan meets secondary market, investor and company standards
Communicate requests and status to loan processors and loan officers in order to obtain information to finalize incomplete loan packages
Determine and request additional documentation to support value and decisions as needed
Provides options with in guidelines and makes recommendations if borrowers may qualify for suitable programs
Stay current with regulations and industry that affect compliance and decision-making
Evaluate overall loan against approval requirements; ensure file is complete and contains all required supporting documentation
Coach and provide guidance to less experienced Underwriters as needed
Ensure system input is accurate and that company systems match Automated Underwriting System
High school diploma or equivalent required; college courses/technical training related to Business, Finance/Accounting, Legal, or related field is preferred, along with total recent work experience that includes four or more years as an Underwriter for Conventional, and USDA loans, along with at least three years experience underwriting VA, USDA, new construction documentation and approvals for condominium projects
DE-certified; endorsements including Direct, VA, Auto and SAR; must have current certifications for any assigned region that requires a state-specific license to underwrite loans
Expert level knowledge of valid documentation related to the processing consumer mortgage applications (e.g., tax returns, financial statements and records, verification of income and deposits, etc.)
Expert level knowledge of underwriting requirements
General knowledge of federal, state, and regulatory requirements/guidelines related to consumer mortgage lending and internal processes and controls

229

Underwriter Resume Examples & Samples

Minimum 5 years of multi-line underwriting experience
Excess and surplus lines underwriting experience preferred
CPCU, ASLI, CIC or comparable designations preferred

230

Underwriter Resume Examples & Samples

Evaluate each assigned group’s risk and attaches the appropriate rate
Demonstrated analytical and problem solving skills
Business sense including: finance, accounting, economics, and risk management principles
Effective verbal and written communications
Ability to build and maintain positive internal and external customer interactions
Ability to prioritize tasks and meet deadlines
Demonstrated technology proficiency, including Excel, Word, and applicable software applications
Approves renewal changes after verifying rates and product selection
Audits both new and renewing groups as necessary
Determines rates for alternative benefit variations
Ensures that group participation requirements are met
Prepare rate filings
Follows underwriting guidelines, policies, procedures and formulas in developing rates for new and renewal groups
Gathers the appropriate data used to determine the status of account refunds
Maintains spreadsheet information on group renewal history
Prepares memos and other correspondence to communicate changes in rates or benefits which have been approved by underwriting management
Processes the appropriate paperwork associated with renewal rate action and proposal closing
Supports internal sales staff regarding underwriting questions and/or resolves issues
Effectively communicates Underwriting decisions to other departments when necessary

231

Underwriter Resume Examples & Samples

Prepares renewals, new business and endorsement requests for the underwriter by gathering and evaluating exposure data and applications
Must be able to work independently and within team environment to service accounts including policy issuance, change requests, filings and billing needs
Must maintain service standards by responding to requests in a timely manner as related to quotations, binders, certificates, policies, filings or invoices
Provides administrative and general clerical support to assure efficient operation of the team
Performs other duties as required to best serve customer, team and management needs
Knowledge of property and/or casualty insurance coverage, rating procedures, rating plans and systems/workflow preferred
Intermediate computer and software skills -- MS Word and MS Excel

232

Underwriter Resume Examples & Samples

Underwrite Conventional, USDA and FHA loans within company, investor and industry guidelines
Maintain a current knowledge of loan programs
Analyze and issue credit decisions
Review and make informed decisions on financial statements, credit reports and applicable ratios (i.e. DTI and LTV)
Evaluate/examine transactions to ensure accuracy and completeness
Ensure documents are consistent and
Identify red flags on documentation
Assist with restructuring of loans based on lending guidelines
Gather information from agency material to make appropriate decisions
Assign and sign off on appropriate loan conditions
Assist Processing Department with problematic files to expedite submissions
Effectively be able to explain rationale behind credit decision to internal customers and/or auditors
Analyze risk appropriately by assessing property information including; purchase contract, escrow instructions, and preliminary title report
Answers program guideline and borrower qualification questions from loan consultants and processors
Communicate effectively with internal staff to maintain high level of customer service
Proficient in DU (Desktop Underwriter) and LP (Loan Prospector) Programs
Learn how to underwrite VA loans and acquire SARS certification
Calculate income from salary, self-employed and corporate W2s
Able to complete 4 – 6 loans per day
Adhere to department turnaround standard of 24 – 48 hours
Perform other related duties as assigned and required
4 or more years of successful professional experience within the mortgage lending industry preferred
1 -3 years of successful Conventional underwriting required
Valid and current FHA Direct Endorsement (DE) and VA certification perferred
Proficiency in DU (Desktop Underwriter) and LP (Loan Prospector) Programs

233

Underwriter Resume Examples & Samples

Underwrite and sign-off on one to four family residential conventional transactions in compliance with FNMA, FHLMC, FHA, VA Investor specific and State and Federal requirements. Underwrite jumbo mortgage loans
Review processor submissions of complete credit files and make loan decisions based on Investor requirements. This includes all credit, income, asset and collateral documentation as well as Purchase & Sales Agreements and disclosures. All loans must be complete and meet specific program and state guidelines
Review all conditions of the loan approval and ensure all conditions are satisfied prior to submitting the loan to the Closing Department for completion of the closing package
Assist Closing and Post Closing with any underwriting or suspense issues
Provide guidance to sales personnel in the structuring of loans for appropriate programs and assist processors with any questions regarding conditions or required documentation
Minimum of two years experience signing-off on residential mortgage loans
Minimum of five years experience underwriting residential mortgage loans
Must have experience in Government Underwriting
Must have DE & SARS
Jumbo experience preferred
Full knowledge of FNMA, FHLMC guidelines required. Ability to apply specific Investor guidelines with each submission to ensure compliance required
Ability to handle full caseload of submissions of both purchases and refinances with finite lock periods. Must be able to review submissions thoroughly, make sound loan decisions and work at an acceptable pace so as to avoid delays and/or extensions
Excellent follow up, problem solving and analytical skills
Good written and verbal communication skills and strong attention to detail
Must be able to sit, walk or stand for extended pe

234

Underwriter Resume Examples & Samples

Review and analyze documentation provided on each loan including the all Agency specific forms, credit report, income and asset documentation, purchase agreement, title report, etc. to make an informed lending decision in compliance with HUD, VA and loanDepot policies and guidelines
Calculate borrower’s income and debt-to-income ratios based on acceptable loanDepot and HUD/VA/USDA practices
Render a lending decision within assigned lending authority in compliance with established underwriting guidelines and all state and federal reporting guidelines (Including but not limited to HMDA, RESPA)
Document lending decisions and completes required screens in the LOS that include the accurate completion of the required Agency forms as well as adding and/or creating applicable conditions of the loan approval
Review conditions submitted on loans from Brokers and signs off the condition when appropriate
Provide feedback for improvement to Junior Underwriters, Account Manager and/or Team Leads in deficient areas as identified through the review of conditions submitted
Work closely with Account Manager and/or Territory Manager to answer loan specific underwriting questions, to discuss specific conditions or documentation requested and to resolve problems
Perform a comprehensive appraisal review to ensure the collateral is acceptable, meets loanDepot, USDA/VA/HUD guidelines
Run, read and interpret AUS results (to include FHA Scorecard, GUS, DU, LP)
Accurately complete Agency required forms including, but not limited to the VA 26-1802a, HUD 92900LT (Loan Transmittal), the 92900A (HUD Addendum to the URLA) and the 1980-21 (Request for SFH Guarantee)
Adhere to specified underwriting guidelines to fulfill USDA/VA/HUD loan requirements
Display excellent verbal, written and interpersonal skills
Effectively communicate all decisions and any required conditions to the broker, Territory Manager and/or Account Manager
Provide assistance to expedite final approval of the file
Respond to all inquiries in a timely manner as established by company SLA’s
Consistently meet or exceed established minimum productivity levels as determined and required by management for both underwriting and condition management
Provide mentoring, guidance and training to less experienced personnel
Perform other duties and special projects as required

235

Underwriter Resume Examples & Samples

Ability to identify and resolve problems in a timely manner
Intermediate level of proficiency in Microsoft Office (Word, Excel, PowerPoint) programs
Effective decision-making, customer service, sales, customer support and problem-solving skills
Working knowledge of lending compliance and regulations
Minimum of 3 years of current FHA experience
VA Certification or heavy experience
LI-MZ1

236

Underwriter Resume Examples & Samples

Works to underwrite cases where general and some complex underwriting principles will be applied and a strong command of the rating tools is required. Frequency of case review will be based on team lead's decision and in accordance to case level review policies
Executes financial management on a book of business
Assists and participates in creating and negotiating financial arrangements and settlements through Sales
General communications will be mostly with internal business development, sales and finance. There may be limited interaction with brokers
Underwrites a number of new firms or new coverage and major benefit revisions
Collaborates with other areas on understanding and resolving issues that have financial implications
Maintain up-to-date knowledge of applicable health plans and related products
Explain underwriting principles and pricing/underwriting recommendations to sales and brokers and be able to present position based on your knowledge of underwriting, competition, product, understanding of the client needs, etc
Develop and maintain positive working relationships with Underwriters, Account Management team members and multi-site coordinators
Identifies needs and makes recommendations for new/improved underwriting processes and procedures
Support and/or lead underwriting projects as assigned
The incumbent is responsible to achieve profit, growth, service and expense objectives through basic financial analysis and management of a book of business
Underwrites business using basic knowledge of risk assessment and pricing for medical products and stop loss. Can develop required premium and fees and analyze results for reasonability. Makes appropriate decision on how to proceed. Makes recommendations for changes based on financial analysis, underwriting principles and business strategy
Bachelor’s Degree in Math, Finance / Accounting, Business, or equivalent work experience
Demonstrated experience in healthcare pricing, stop loss underwriting or an area that requires financial skills
Strong Microsoft Excel experience
1+ year of Microsoft Office Suite (including Word and PowerPoint) experience

237

Underwriter Resume Examples & Samples

Structure and underwrite credit facilities in a manner which achieves the business profitability goals while staying within its risk parameters
Prepare complex property level pro forma cash flows and develop property valuations to properly size loan requests
Participate in customer and prospect calls as a part of the underwriting and due diligence process
Determine the proper risk rating and complete the required paperwork for any rating changes
Obtain appropriate market information to support the proposed loan
Sound understanding of commercial credit analysis techniques including cash flow, evaluation of collateral and is able to make timely decisions in a fast paced, time sensitive environment

238

Underwriter Resume Examples & Samples

Manage renewal book of business between $4M-$6M in premium
Annual new business goal between $1M-$2M in premium
Develop and manage external (broker and client) relationships through sales and marketing
Develop and manage mutually beneficial, internal relationships with other divisions within AIG
Bachelors degree (or equivalent)
Candidate should be positive, energetic and outgoing; Duties will require working, cooperating and participating in a team environment

239

Underwriter Resume Examples & Samples

Determine the acceptability, quality, pricing and profitability and opportunities for new and existing business within Company Guidelines
Works to identify and generate additional profitable business from assigned agents and/or producers while promoting C&F products and services
Uses available resources including company underwriting guidelines, business unit strategies and consultations with others to ensure adequate understanding of risk procedures
Prepares and participates in proposals to producers negotiating terms and conditions
Oversees the proper issuance of policies, certificates, filings and notifications
Identifies underwriting issues; recommends plans for problem resolution and implements where appropriate
Promotes C&F products and services to customers
Develops exhibits and updates knowledge of company products and services
Refers opportunities to partners in other lines of business
May participate in monitoring and analyzing performance of assigned agents
Keeps team members, partners in other lines of business, employees in other departments and the manager informed of issues and activities that may impact C&F business
Refers matters beyond limits of authority and expertise to manager for direction
Performs other related duties as required or requested
Must develop business relationships with assigned producers that contribute to our production and profitability goals

240

Underwriter Resume Examples & Samples

Develop risk exposures, make decisions, accept, modify or reject the risk exposures in accordance with underwriting policies, practices and Exchange guidelines
Communicate and document their decisions to applicants and internal business partners
Bachelor’s degree or currently being pursued plus two or more years underwriting or insurance experience preferred
Excellent interpersonal, written/verbal communication and organizational skills
Analytical and problem solving aptitudes

241

Underwriter Resume Examples & Samples

Minimum 3 years underwriting experience
Familiarity with pricing methodologies and actuarial principles
Knowledge of the UK market
Excel - Advanced level (Pivot tables, formulae, VLook-up)
Word
Power point
Has enough vocabulary for simple conversations. Understands simple text and notes. Participation in a meeting is not yet possible
Can attend but not participate in team meetings and engage in simple, short telephone conversations. Can write short memos and simple messages
Can take part in discussions on familiar subjects in meetings. Can write memos, simple letters and reports
Can actively participate in meetings and group conversations. Can lead negotiations. Writes complex business letters and reports
Can lead discussions and negotiations at the highest level. Writes complex reports. Rarely makes grammatical mistakes

242

Underwriter Resume Examples & Samples

Risk Selection: evaluates or assesses the business applying for insurance by qualifying accounts; identifying, selecting and assessing risks; determining the premium, policy terms and conditions; obtaining approvals; creating/presenting the proposal to the agent/broker and successfully negotiating deals
Agent/Broker Relationships: Demonstrates a high level of responsiveness and focus on supporting Agents and Brokers objectives through successful negotiations. Develops and maintains the relationship through responsive service, site visits, in person renewal meetings or enhanced knowledge of their customers businesses
Portfolio Management: Manages a book of business by analyzing the portfolio, identifying areas of opportunity for improved growth, profit and diversification, and executing marketing plans to increase market share with preferred brokers

243

Underwriter Resume Examples & Samples

Offer direction to the team for guide compliance, assist with underwriting/closing timeline, and make borrower introductions
Work with clients, underwriter and vendors to ensure that all parties have a clear understanding of their responsibilities
Establish strong working relationships with clients and create high customer satisfaction
Engage, monitor progress, and review reports completed by third party consultants as well as coordinating site inspections
Create and foster relationships with HUD personnel
Analyze property rent rolls and operating statements and determine a pro-forma NOI used for Loan determination, to be reviewed and approved by UW
Complete various sections of the Underwriting workbook, including but not limited to 92013, 92264, 92264a, 92329 and FHA Input data sheets
Complete various sections of the Underwriter’s narrative, including but not limited to the following
Strong time management skill and ability to operate under demanding deadlines
Excellent attention to detail with the ability to audit own work
3 + years of experience in an investment environment or related experience

244

Underwriter Resume Examples & Samples

Evaluate renewal actions for competitiveness and adequacy through the use of various rating techniques (ACR, CRC fully-insured and self-insured). Prepare exhibits and reports for renewal presentations. (35%)
Generate new business quotes on a timely basis for all products and financial arrangements (fully insured and self-insured) by analyzing data provided by other insurance carriers. Assess financial soundness of prospective clients based on review of D & B responses or other source data, monitor existing accounts' experience, and recommend corrective action to deviations from expected results. (35%)
Assist Marketing in the delivery of proposals and renewals. (5%)
Work with Manager of Underwriting to negotiate premium rates, ASO fees, specific and aggregate claim factors with reinsurers; review reinsurance contracts and monitor self-funded group reinsurance. Coordinate submission of aggregate claims, if any, to reinsurers. (5%)
Work with Manager of Underwriting to investigate special case situations with potentially adverse experience and propose options to limit Tufts' financial exposure. (5%)
Complete Ad Hoc requests from Marketing and Underwriting Management on a timely basis. (5%)
Assist in departmental projects as assigned. (5%)
Maintain and update New Business, Renewal, and Quote Revenue Tracker Programs in an accurate and timely manner. (5%)
COMPLEXITY: Ability to analyze complex medical experience information and exercise sound judgment in settling premium rates
PERSONAL CONTACTS: Skilled at working well with varied levels of staff including Sales & Marketing, Senior Management, and brokers, consultants and clients. (Must be able to work cooperatively as a team member.)
CONFIDENTIAL DATA: All information (written, verbal, electronic, etc.) that an employee encounters while working a TAHP is considered confidential
MENTAL/PHYSICAL REQUIREMENTS: Fast paced office environment handling multiple demands. Must be able to exercise appropriate judgment as necessary. Will be required to analyze complex data and make sound decisions in a stressful environment. The position involves working on a PC during prolonged periods of sitting
ADDITIONAL REQUIREMENTS (TRAVEL, WEEKEND HOURS): Work with other companies is required; most often Sales & Marketing representatives or staff will accompany you to the client. Some travel to client

245

Underwriter Resume Examples & Samples

Reviews/analyzes loan files submitted for borrowers to ensure file meets loan program requirements. Includes individual analysis of: loan application, credit profile/report(s), debt and assets, income/financial statements, loan values/loan-to-value ratios, appraisal reports, collateral and supporting documentation
Identifies/calculates loan risk of loss
Conditions files for missing/supporting documentation
Revisits loans to review and clear conditions
Approves, counters or denies loan file
Escalates fraud files to Credit Manager/Risk Management team
Respond within SLA to all loan specific audits/findings
All Caliber compensation will be paid in accordance with state and federal law, including Regulation Z of the Truth in Lending Act
High School Diploma or equivalent required, some college preferred
Minimum 3 years of residential mortgage underwriting experience
Knowledge of FHA, FNMA and FHLMC policies and guidelines
Knowledge of mortgage loan processing, compliance, investor products and underwriting guidelines
Knowledge of mortgage insurance (MI) guidelines
DE certification and Chums preferred

246

Underwriter Resume Examples & Samples

Mortgage Underwriters may be involved in one or several types of mortgage lending (conventional, government-backed, etc.)
You may also be required to respond directly to individual and investor audits
5+ years of mortgage underwriting experience

247

Underwriter Resume Examples & Samples

Reviews and interprets contracts, amendments and other documentation to determine how the benefits under the contract are determined
Under general supervision of a more senior Underwriter
Uses spreadsheets supplied by the pricing actuaries to determine to the interest rate and expenses applicable to premium requirements
Summarizes onto a spreadsheet the outputs from the Pricing system and the pricing spreadsheets to develop the actual premium
Works independently with actuaries and pricing analysts and coordinates the progress of the project with them
Maintains assigned contracts and handles all contract edits, amendments, other documentation needs and/or pricing adjustments on assigned contracts
Keeps abreast of internal policies and pricing procedures as well as Federal and State Legislation
Works with Compliance to be certain that contracts/amendments meet issue state requirements
Works with Legal department to ensure that contract language is accurate
Bachelor’s Degree, or equivalent work experience
Knowledge of MS Word and familiarity with MS Excel
Defined Benefit Plan knowledge is a plus
This is a work from home position, but you will be required to work in our Back Bay Office (200 Berkeley Street) at least once a week

248

Underwriter Resume Examples & Samples

Order necessary requirements based on group material submitted for completeness
Analyze the risk factors on an enrollment form; apply appropriate medical risk for sound risk decisions utilizing approved medical guidelines provided
Evaluate eligibility of the business (this includes participation, legitimacy of the business)
Process data on web based underwriting applications, and appropriate worksheets
Serves as subject matter expert and contact for North Star Marketing and TPA, works collaboratively with sales offices to meet company objectives while balancing risk
Conducts user acceptance testing, adhering to test plans, and meeting all delivery dates
Establish and maintain strong working relationships with outside vendors and acts as liaison between staff and vendor
Analyzes new business quote/proposal for accuracy
Analyzes broker appointments
Evaluate eligibility and enrollment requirements of new enrollees to employer group plan
Evaluate employer changes, such as waiting period change requests, appeals from businesses and TPA
Build and maintain relationships with internal partners to improve agent satisfaction
Assists with special projects or requests
Strong medical terminology and/or understanding of anatomy
Bachelor's Degree or Insurance-related work experience Business, finance, economics, and mathematics are particularly helpful
Knowledge of the health insurance market
Demonstrates strong ability to work independently and to adjust schedule to meet service standards
Proven ability to remain focused in fast paced environment
Ability to work collaboratively with sales staff and department staff
Proficient use of Microsoft Office applications, strong computer skills
Proficient use of computer systems
Ability to analyze and evaluate information from a variety of sources and solve complex problems
Excellent interpersonal skills with the ability to establish working relationships with individuals at varying levels within the organization
Advanced math skills Knowledge and use of Microsoft Access
Ability to read and interpret medical records

249

Underwriter Resume Examples & Samples

University graduate preferable
Exposure in healthcare insurance business
Ability to work independently to achieve ambitious new business targets

250

Underwriter Resume Examples & Samples

Underwrites a wide variety of product and loan types with a higher aggregate credit exposure including underwriting exceptions not determined through DU
Responsible for providing strong and clear communication to processors, underwriters, mortgage professionals and borrowers regarding documents needed for mortgage loan files to ensure quick turnaround time
Provide training and assistance to Underwriters I and Underwriters II to assist with performance improvement and developmental opportunities
Adheres to all applicable internal NPI policies and procedures, and protects the confidentiality of borrower information
Direct Underwriters I or Underwriters II to perform a variety of administrative duties in support of the operation
FHA - Direct Endorsement (DE) designation required VA – Lender Appraisal Processing Program (LAPP) and/or Staff Appraisal Reviewer (SAR) designation(s) required Experience with Desktop Underwriter (DU) or comparable automated underwriting system required
Basic computer skills required. Experience with word processing beneficial. Prefer experience with TMO

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