Commercial Underwriter

• Responsible for growing Columbia Insurance’s commercial property and casualty book of business by building strong, productive relationships with assigned agencies.
• Make regular in-person visits to assigned agencies with the goal of growing Columbia Insurance's brand awareness, building professional/personal relationships, soliciting new account submissions, facilitating mutually beneficial renewal strategies, and facilitating agency accountability discussions.
• Develop and cultivate a new business pipeline of profitable risks for each agency and producer to be reviewed and quoted.
• Evaluate risks and make critical underwriting decisions regarding insurability based on nature of operations, insured geographic location, risk controls, policy pricing, policy terms and conditions, and other third-party data as necessary.
• Assist in Risk Control in the communication and resolution of recommended risk improvements for newly written accounts, as needed.
• Collaborate with renewal underwriters, as appropriate, to address key and challenging renewal accounts to ensure mutually beneficial outcomes for assigned agency partners and company.
• Primary decision maker for setting premium on new business opportunities.

Commercial Lines Field Production Underwriter growing Columbia Insurance’s business in Nashville area

Commercial Lines Field Production Underwriter

Commercial Lines Field Production Underwriter at Columbia Insurance responsible for growing commercial property and casualty business. Building agency relationships and managing underwriting decisions with in-person agency visits.

• Accountable for managing and monitoring a portfolio of accounts.
• Review and recommend credit decisions.
• Partners with the Relationship Manager, forming the “coverage team.”
• Ensure loan structure is correct regarding borrowers and guarantors, deal structure, credit terms and conditions, and financial covenants.
• Value collateral.
• Expected to contribute to work flow or process change and redesign, and to form a strong basic understanding of the Credit Lending process.
• Focus on execution within defined credit lending process.
• Perform final risk rating analysis.
• Capture and document credit decisions, conditions, and modifications.
• Perform Monitoring action and conduct periodic relationship Review.
• Execute decisions to renew or modify deals.
• A focus on continuous learning to keep up with ever-changing market dynamics.
• Analyze new credit requests and Provide loan decisions and/or credit recommendations based on a review of all underwriting criteria, including loan structure, collateral, interest rate, and fees.
• Effectively communicate loan decision to loan originator (Relationship Manager).
• Identify and review all necessary due diligence items.

Commercial Core Underwriter & Portfolio Manager at Fifth Third Bank

Commercial Core Underwriter – Portfolio Manager

Commercial Core Underwriter & Portfolio Manager managing business portfolios and recommending credit decisions at Fifth Third Bank. Collaborating with stakeholders to ensure optimal loan structures and risk management.

• Review applications for class acceptability, completeness (request additional info, if appropriate), and risk acceptability
• Evaluate classification for accuracy
• Review Dunn & Bradstreet Reports or financial statement as appropriate to ensure client liquidity
• Coordinate pricing with the broker and Field Representative by determining expiring price as well as target price and who competition is. Obtain commitment from broker regarding account placement if we meet the target price
• Develop any additional underwriting information necessary to determine risk acceptability and if appropriate, have a tentative quotation developed
• Run location specific CAT model using JLT’s CATography software
• Secure Reinsurance quote, if needed
• Coordinate quotation’s release with the Field Representative
• Establish a diary on the quotation for follow up with broker to ascertain initial acceptability, re-diary for follow up prior to effective date to ascertain our success and, if appropriate, consider last minute revisions
• Refer risks exceeding underwriting authority with a recommended handling action to the Underwriting Manager
• Process all quotations by broker’s “need by” date
• Review file for completeness of underwriting information and, if necessary, coordinate/obtain any missing or incomplete information
• Contact broker and implement the renewal retention program as outlined under separate cover
• Complete a loss analysis
• Evaluate most recent Technical Service information; if necessary obtain updated or new report. Confirm status of recommendations that are outstanding (or may be)
• Make renewal decision, i.e. renew (and, if so, at what price) or non-renew
• Confirm policy construction issues
• Involve Underwriting Manager as appropriate
• Process all renewals at least 30 days prior to effective date unless the broker or insured delays processing by withholding information
• Review requests for completeness of information
• Evaluate request for acceptability
• Consider any pricing issues
• Process all endorsement requests within 10 days of receipt
• Verify drivers' list is complete including full names, dates of birth, drivers’ license numbers and, states of licensing. Underwrite this information in light of the risk you are reviewing
• Order MVRs. Re-underwrite driver information once the MVRs are available
• Develop detailed loss information by reviewing hard copy from prior carriers

Senior Underwriter collaborating with team to produce profitable underwriting accounts

Commercial Lines Underwriter, Senior

Senior Underwriter at Penn National Insurance working with Field Representatives to ensure profitable underwriting accounts. Requires extensive experience and knowledge in multi-line underwriting processes.

• Screen applications for missing information.
• Contact and work with agency to obtain and make initial evaluation of acceptability based on received information.
• Revise TAS worksheets and update as needed based on additional information obtained on the insured.
• Request and evaluate loss runs.
• Review loss activity on renewals.
• Request driver list, order and evaluate motor vehicle reports.
• Initiate cancellation notices.
• Review and screen loss control reports.
• Compare and verify findings with underwriting file information (COPE, sales, payroll, number of employees, etc.).
• Update Underwriting Checklist as needed.
• Follow up on outstanding loss control recommendations.
• Research insured’s website, social media sites and conduct a general search of internet.
• Review and issue endorsements.
• Set and follow up on diary items.
• Prepare and send conditional renewal notices.
• Identify and document marketing classifications.
• Prepare quote proposals.
• Import email, fax and reports into OnBase.
• Follow up on reinsurance certificates.
• Add SIC on Underwriting Checklist for Commercial Edge business.
• Underwrite and issue designated small new non-flow regional business.
• Underwrite and issue designated regional renewal business.
• Review new business 45 day check list to ensure file is in order – reports ordered, outstanding items addressed and diaries are set.
• Form and build relationships with agencies.

Commercial Lines Associate Underwriter/Underwriter Trainee managing applications and renewals at Utica National Insurance Group

Middle Market Commercial Lines Associate Underwriter

Commercial Lines Associate Underwriter/Underwriter Trainee managing applications, loss runs, and relationships with agencies at Utica National Insurance Group. Starting a career in underwriting and growing within the company.

Commercial Lines Associate Underwriter role at Utica National Insurance Group.

Small Commercial Lines Associate Underwriter/Underwriter Trainee

Join Utica National Insurance Group as a Commercial Lines Associate Underwriter. Screen applications and assist in the renewal process in a professional insurance environment.

Commercial Lines Associate Underwriter assessing insurance applications and overseeing underwriting processes

Commercial Lines Associate Underwriter/Underwriter Trainee

Commercial Lines Associate Underwriter at Utica National Insurance Group evaluating insurance applications for acceptability. Involved in renewal processes and relationship building with agencies.

• Handle new business accounts through outbound interaction with various carriers and brokers.
• Work collaboratively and communicate effectively with internal sales staff on new business submissions.
• Underwrite habitational risks by identifying and analyzing risk exposures, loss frequency and severity against desired coverage.
• Develop relationships with both external and internal customers, with the "customer experience" in mind, and deliver exceptional experiences with every interaction, in all modes of communication.
• Provide and create solutions for a broad range of inquiries from brokers and team members.
• Adhere to rating rules with proper file documentation.
• Navigate our online broker portal to complete tasks and troubleshoot.
• Identify opportunities to improve underwriting efficiencies.
• Work independently within deadlines while understanding the necessity for communicating and coordinating work efforts with stakeholders.
• Obtain and understand market intel and trends.
• Handle work with a focus on underwriting profitability.

Commercial Lines New Business Underwriter specializing in Multi-Family and Landlord insurance

Commercial Lines New Business Underwriter

Commercial Lines New Business Underwriter specializing in Multi-Family and Landlord insurance for a national insurance program manager. Working with brokers to manage accounts and underwriting.

• Primary point of contact for clients, attorneys and sales reps for commercial transactions.
• Review title insurance products such as commitments, pro-formas, policies and endorsements with support of in-house legal team or agency counsel if necessary.
• Work with Buyer/Seller and Lenders to clear and close National Transactions
• Assist coordinators in preparing invoices on National Deals
• Interact with business development team as needed
• Help with possible overflow of settlement statements
• Forward-facing transaction management with heavy interaction between all parties to a commercial transaction
• Work closely with local and/or agency counsel on complex underwriting matters/High Liability approvals
• Pipeline management and ensuring the critical dates and follow-ups are being met
• Coordination of delivery of executed documents for recording/post- closing
• Recognize title defects and work with clients and if necessary in-house counsel and/or agency counsel as to insurability, when necessary.
• Correspond with clients to obtain missing documentation and/or clarify information.

National Commercial Underwriter handling commercial transactions and title insurance products

National Commercial Underwriter

National Commercial Underwriter for a title insurance agency managing commercial transactions. Requires 7+ years experience with excellent organizational and communication skills.

• Assist in the acquisition and retention of profitable commercial lines customers
• Follow sound underwriting principles reflective of company policy
• Work with assigned agents in meeting profitability and production goals
• Manage the pricing and underwriting of an assigned territory of business
• Follow guidelines and establish business relationships

Commercial Lines Underwriter assisting with customer acquisition and retention

Commercial Lines Underwriter

Commercial Lines Underwriter for FCCI assisting in customer acquisition and retention through underwriting principles. Working with agents to meet profitability and production goals.

• Receive, review, and grant approval/issue rejection notices for risks within granted authority.
• Thoroughly review and document risks outside of granted authority for referral to Supervising Underwriter.
• Order and analyze investigation reports on present or potential insureds, using the reports to support underwriting decisions, as appropriate.
• Receive, review, and approve/reject requests for endorsements to policies.
• Interpret available data and information to price policies within company guidelines.
• Build relationships with current agents/agencies, while cultivating potential opportunities/ submissions through proactive call-outs.
• Communicate with agents and other company personnel about insureds, potential insureds policy endorsements, and coverages.
• Keep current on agent’s/producer's loss ratio and volume, manual changes (rules, classifications, and rate changes), various restricted lists, and changes in company underwriting procedures.
• Prepare written instruction for various processing units regarding endorsements.
• Review claim files in order to determine desirability of risk and/or risk classification information.
• Revise expiring policy files in order to determine desirability for renewal.
• Achieve individual performance metrics in areas such as: Agent call-outs, Written premium, Loss Ratio, All other metrics, as assigned.
• Demonstrate advanced knowledge of forms, coverages, ratings in order to properly review policies.

Commercial Lines Underwriter evaluating and analyzing risks at Utica National Insurance Group

Small Commercial Underwriter

Commercial Lines Underwriter evaluating and analyzing risks for new or renewal business at Utica National Insurance Group. Responsible for managing a profitable portfolio in accordance with company guidelines.

• Evaluate and analyze risks associated with new or renewal business.
• Manage a profitable portfolio in accordance with company guidelines and authority levels.
• Receive, review, and grant approval/issue rejection notices for risks within granted authority.
• Review and document risks outside of granted authority for referral to Supervising Underwriter.
• Order and analyze investigation reports on present or potential insureds.
• Receive, review, and approve/reject requests for endorsements to policies.
• Interpret available data and information to price policies within company guidelines.
• Build relationships with current agents/agencies.
• Communicate with agents and other company personnel about insureds and policy endorsements.
• Achieve individual performance metrics in areas such as agent call-outs, written premium, and loss ratio.

Commercial Lines Underwriter evaluating risks at Utica National Insurance Group

Commercial Lines Underwriter evaluating risks and managing a profitable portfolio for Utica National Insurance Group. Building agent relationships and making strategic underwriting decisions.

• Assist in the acquisition and retention of profitable commercial lines customers
• Follow sound underwriting principles reflective of company policy
• Work with assigned agents in meeting profitability and production goals
• Manage the pricing and underwriting of an assigned territory of business
• Build business relationships with agents

Commercial Lines Underwriter for a Florida-Georgia Regional team

Commercial Lines Underwriter assisting in the acquisition and retention of profitable commercial lines customers. Requires strong commercial lines underwriting experience and agency relationships in Florida.

• Provide underwriting guidance, counsel, and authorization to internal teams and customers for the issuance of commercial and residential title insurance commitments and policies.
• Evaluate title risk and underwrite transactions within delegated authority, applying established underwriting standards and company guidelines.
• Analyze and resolve complex title issues, providing practical underwriting solutions that support business objectives while managing risk.
• Serve as a trusted resource to company personnel by providing guidance on title, escrow, and real estate settlement matters.
• Interpret and communicate underwriting requirements, issue underwriting standards and guidelines, and ensure compliance with company policies and applicable regulations.
• Partner with operations, sales, legal, and agency personnel to support successful real estate transactions and deliver exceptional customer service.

National Commercial Underwriter providing underwriting guidance for commercial real estate transactions

National Commercial Underwriter providing underwriting guidance for commercial and residential title insurance. Evaluating title risk, analyzing complex issues while supporting business objectives.

Commercial Underwriter assessing title insurance risks in the Philadelphia area

Commercial Underwriter at First American managing title insurance for real estate transactions. Collaborating with teams to evaluate risks and provide underwriting guidance in Pennsylvania.

• Analyze credit data to estimate degree of risk in extending credit
• Conduct thorough analysis of financial statements of commercial credit relationships of $2,500,000 and greater
• Perform cash flows, financial credit analysis, and collateral valuations for commercial borrowers
• Accompany relationship managers on customer calls and site visits
• Supervise employees of the Credit Analysis Department in manager’s absence

Commercial Credit Underwriter analyzing credit data for high-value loans

Commercial Credit Underwriter

Commercial Credit Underwriter at Origin Bank analyzing credit data for commercial credit relationships of $2,500,000 and greater. Conducting financial analysis, cash flows, and directing team tasks.

• Assess and price endorsements, renewals, and new business according to guidelines and authority
• Provide customer service by responding promptly and courteously to all requests for information
• Ensure timely and accurate preparation and issuance of policies
• Effectively communicate company standards, mission, underwriting guidelines, and requirements to brokers
• Order/review inspection reports to assess risk quality and confirm exposure base accuracy
• Actively manage relationships with assigned brokers and agents

Senior Commercial Underwriter pricing insurance endorsements and renewals at One80 Intermediaries

Senior Commercial Underwriter

Senior Commercial Underwriter pricing endorsements, renewals, and new business for One80 Intermediaries. Involves customer service, policy issuance, and managing broker relationships.

• Selects, grows and maintains a profitable book of business for assigned high-volume territory with a high level of underwriting authority
• Evaluates highly complex accounts, such as different business operations, multiple lines of business or special pricing requirements, for risk selection and pricing purposes
• Analyzes exposure, company and branch risk appetite, account premium and loss history, financial data, line(s) of business, price guidance, motor vehicle records, online sources of information, reports from premium audit or risk improvement and other relevant information to underwrite policies
• Offers appropriate coverage for exposures
• Maintains proper file documentation in connection with accounts
• Develops and fosters agency relationships
• Educates agents on EMC products, underwriting appetite, systems and services
• Visits agencies to discuss accounts and provide agents with updates at EMC in order to maximize opportunities
• Coordinates with marketing and branch management in the agency planning and review processes
• Serves as a mentor for less experienced underwriters
• Answers questions, shares recommendations for complex situations, such as difficult accounts, communication strategies or problematic agency relationships and explains the rationale for recommendations

Senior Commercial Underwriter managing a profitable book of business at EMC.

Senior Commercial Underwriter responsible for evaluating complex accounts and maintaining agency relationships at EMC. Managing underwriting risks and leading less experienced underwriters.

• Works independently with little or no oversight.
• Exercises exception and elevated approval authority.
• Prepares loan offerings for all types of transactions at any level of complexity or in management of a portfolio as assigned.
• Interacts with internal/external customers.
• Serves as a subject matter expert for certain asset classes, and may represent or lead the department on special projects or assignments.
• Using independent judgment to identify risks and mitigants, prepares offerings and/or scorecards by analyzing credit, collateral strength and financial worthiness of loan/transaction parties.
• If relevant, performs ongoing credit risk management for assigned portfolio.
• May coach and/or review the work of other underwriters and fill in for manager as required.
• Contacts internal/external customers and other parties as appropriate to gather information and to clarify inconsistent, incorrect or missing information.
• Performs relevant pre-approval and post-approval activities.
• Identifies and/or confirms all external regulatory requirements.
• Ensures internal policies/procedures are followed.
• Makes recommendations on credit decisions or makes credit decisions directly, as appropriate.

Underwriter III - Commercial at PNC preparing loan offerings and managing portfolios

Underwriter III – Commercial

Underwriter III - Commercial at PNC with 3+ years experience in credit analysis and customer interaction. Preparing complex loan offerings and ensuring regulatory compliance.

• Builds and maintains strong agency relationships.
• Effectively manages an agency territory to achieve established growth and profit goals.
• Assesses risks and exposures on new and existing business to identify opportunities to maximize assigned territory growth and loss ratio objectives.
• Uses general practices, processes, procedures, and established underwriting authority level to analyze the operations and exposures of different types of risks to write, renew, or modify business.
• Applies demonstrated ability to consistently manage high risk / hazard business.
• Applies degree of knowledge in overall field and recognized expertise in specific areas.
• Proactively mentors team members, resulting in increased effectiveness in one or more areas of knowledge or skill for colleagues.
• Applies high degree of knowledge of coverages, forms, symbols, and endorsements per line of business with the ability to articulate to others.
• Primarily focuses on writing new business as defined by annual goals depending on the region.
• Applies high degree of rating knowledge and experience, including composite rating and scheduled rating.

Senior Commercial Lines Underwriter handling commercial lines accounts for Western National Insurance Group

Senior Commercial Lines Underwriter

Senior Commercial Lines Underwriter developing and retaining commercial lines accounts for Western National Insurance Group. Building agency relationships and managing underwriting risks in assigned territories.

• Analyze, underwrite and act as the final decision authority on commercial loan applications
• Ensure compliance with established underwriting guidelines, quality and production guidelines
• Conduct credit investigations and analyze financial information pertaining to relationships with Commercial Credit exposure
• Underwrite loans and perform historical business financial analysis and cash flows
• Identify credit applications that require credit enhancements and decision respective applications
• Render final credit decision within individual lending authority limits

Commercial Credit Underwriter III analyzing and underwriting commercial loan applications

Commercial Credit Underwriter III – New Money CRE

Commercial Credit Underwriter III analyzing and underwriting commercial loan applications. Ensuring compliance with guidelines and rendering final credit decisions for commercial loans.

Commercial Underwriter jobs in United States

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Commercial Lines Field Production Underwriter

Commercial Core Underwriter – Portfolio Manager

Commercial Lines Underwriter, Senior

Middle Market Commercial Lines Associate Underwriter

Small Commercial Lines Associate Underwriter/Underwriter Trainee

Commercial Lines Associate Underwriter/Underwriter Trainee

Commercial Lines New Business Underwriter

National Commercial Underwriter

Commercial Lines Underwriter

Small Commercial Underwriter

Commercial Underwriter

Commercial Lines Underwriter

National Commercial Underwriter

Commercial Underwriter

Commercial Credit Underwriter

Senior Commercial Underwriter

Senior Commercial Underwriter

Underwriter III – Commercial

Senior Commercial Lines Underwriter

Commercial Credit Underwriter III – New Money CRE