Underwriter

• As the Operations Manager, Underwriting you will be responsible for the operational performance of the underwriting function, with two primary areas of accountability.
• Leadership and development of the Underwriting Assistant (UA) team.
• Management and optimization of workflow, service delivery, and operational productivity across the underwriting operation.
• Ensure efficient and consistent workflow management across the underwriting lifecycle.
• Maintain capacity planning and service delivery metrics for underwriting leadership.
• Collaborate closely with the Underwriting Manager to align operational execution with portfolio priorities and production goals.
• Attract, select, retain, lead, and develop a team of Underwriting Assistants.
• Provide performance coaching and technical mentorship to Underwriting Assistants.
• Own underwriting operational performance end-to-end.
• Monitor submission, renewal and endorsement volumes and manage workload distribution across the team.
• Maintain production dashboards and operational reporting to support underwriting leadership.

Underwriting Operations Manager

• Achieving earnings, persistency, growth, service and expense objectives within South Texas
• Assisting/developing and achieving business plans
• Setting strategic direction and managing/developing an Underwriting staff
• Meeting key brokers, sales offices and target clients to assess market trends
• Developing strategic focus and adjusting market goals as necessary
• Assisting in broker/client development and handling high risk major impact negotiations directly
• Responsibilities span all products offered including specialty products

Risk & Underwriting Manager

• Design and execute underwriting strategies that drive profitable growth while ensuring strong, risk-adjusted returns.
• Establish and oversee underwriting guidelines, pricing models, and risk selection standards to ensure consistency and sound decision-making.
• Monitor and evaluate portfolio performance, underwriting KPIs, and loss trends to identify opportunities for improvement and optimize results.
• Lead, coach, and develop a high-performing team of commercial underwriters, ensuring alignment with company goals and fostering professional growth.
• Conduct quarterly quality assurance audits, assess underwriting accuracy and compliance, and present actionable insights to senior leadership.

Commercial CAT Underwriting Manager

• Manage a team of staff insurance professionals in planning, developing, and administration of USAA Group P&C products and programs which support both corporate and P&C operational performance objectives
• Directs the identification, analysis, development, and implementation of complex initiatives that maintain the relevance and integrity of our underwriting policies, processes and programs
• Implementation may include overseeing business configuration efforts, including testing and deployment
• Directs the development, maintenance and optimization of existing processes and systems to comply with legal and company requirements while delivering maximum ROI
• Ensures adherence to established policies and effective program support
• Manages identification and implementation of opportunities to improve processes and systems to increase member conductivity, employee experience, risk mitigation, and operational efficiency

Director, P&C Underwriting – Focus on Process Excellence

• Responds to Production Support tickets, isolates root cause, and determines path to resolution.
• Facilitates best practice user-training exercises
• Suggests and prioritizes product improvements based on materiality
• Communicates to business users and other ecosystem stakeholders using professional and customer service focused demeanor
• Leverages understanding of the business to ensure product requirements are accurately captured and communicated
• Develops tools and procedures to create efficiencies in areas such as testing and defect resolution
• Assists with UAT and broader testing efforts to minimize future defects stemming from initial development
• Develops financial analyses to support future modeling improvements
• Designs technical solutions and reporting capabilities addressing Business issues and concerns.

Manager, Underwriting Model Product Support

• Ensure the efficient and effective management of all information necessary to support the underwriting activities of the organization
• Process incoming submissions, including clearance, review of information received and data entry into the system
• Assist Underwriter with confirming new/renewal business conditions and subjectivities
• Process Requests to Bind including electronic delivery of Binder Confirmations and invoices to agents
• Prepare policy output that complies with company standards/guidelines
• Monitor Underwriter workflow when Underwriters are traveling and/or out of the office
• Perform underwriting/policy audit review; summarize audit results and recommend corrective action as required
• Participate in departmental projects as required

Underwriting Assistant

• Oversees day‑to‑day operations of the Underwriting & Portfolio teams, including all Account Executives and Commercial Underwriters.
• Performs full managerial duties, including hiring, performance evaluations, coaching, discipline, and staff development.
• Ensures prudent, efficient underwriting by reviewing credit narratives and approving transactions within delegated authority limits.
• Manages department‑level reporting exceptions and establish debtor credit limits exceeding individual approval authority.
• Maintains compliance with credit quality standards, including revenue targets, funding ratios, approval ratios, and portfolio performance metrics.
• Manages credit origination scorecards and approval authorization levels.
• Develops, documents, and maintains departmental policies and procedures; ensure periodic reviews and proper application of risk ratings.
• Utilizes CID and related systems to guide and oversee all facets of the underwriting process.
• Collaborates with BDOs and Revenue leaders to structure proposal letters and provide final approval for all proposals issued; support training of BDOs alongside the Revenue leadership team.
• Partners with Revenue leadership to support sales alignment and funding objectives.
• Works with Collections, Asset Management, and Legal to develop strategies for resolving distressed, delinquent, or troubled accounts.
• Collaborates with the Data Analytics team to develop portfolio reporting, monitor origination trends, and refine credit origination metrics.
• Coordinates responses to internal and external auditor requests and ensure compliance with documentation and reporting requirements.
• Other duties as assigned.

VP, Portfolio & Underwriting – Alternative Energy

• Evaluate policies, endorsements, audits, cancellations, etc., resolve any discrepancies and make changes as needed.
• Review and process policy servicing requests (endorsement, audits, Company requests, Certificates, Premium Finance Notices and Cancellations, etc.).
• Manage file and account documentation.
• Invoice and process new business and renewal binders, premium bearing endorsements, and cancellations according to internal and carrier guidelines.
• Establish New Submissions in the clearance system and handle according to established procedures.
• Produce cancellation and non-renewal notices according to statutory and contractual requirements.
• Manage underwriting files on accounts in which policies are not issued and handle according to Company and internal procedures.
• Maintain pending/suspense system per established procedures.
• Maintain account files in accordance with company policy.
• Perform other duties as assigned.

Underwriting Team Assistant I

• Manage 3 UW teams and develop their skill sets in line with our underwriting philosophy and guidelines
• Maintain relationships and stay on the cutting edge of new third party data offerings. Identify, pilot, and engage new tools to improve underwriting
• Communicate with our insurance partners in concert with Ladder’s business development director who leads the relationship management of our reinsurers and carriers
• Partner with actuary to present mortality slippage each month to Ladder’s mortality team
• Serve as a subject matter expert to engineering and product teams as we build new insurance offerings

Director, Underwriting

• Perform complex underwriting activities in compliance with legal and regulatory requirements.
• Utilize product line expertise to analyze business prospects and recommend profitable risk selection.
• Forge and maintain strong relationships with agency leaders to ensure sound underwriting decision-making and support business growth.
• Optimize portfolio growth by evaluating and rating complex business and communicating high-risk exposures.
• Lead profitability and process improvement initiatives by informing senior leaders on best practices and guiding strategic plans.
• Build relationships and facilitate projects by sharing expertise, resolving issues, and monitoring the impact of change.
• Manage documents following underwriting standards and policies to ensure adherence to profitability objectives.
• Manage budgeted resources by forecasting needs and accounting for expenses to achieve fiscal responsibility.

Experienced Casualty Underwriting

• Play a key role in adapting, monitoring, and implementing the market strategy with Market leadership
• Share market P&L accountability for the local market with MP and market’s Sr DRM/Managing Director
• Build and maintain working knowledge of all lines of business operating within the market
• Support management process that measures and analyzes results and minimizes the impact of variances
• Study financial trends to identify opportunities
• Work with Sr DRM/Managing Director to create financial planning
• Hold matrix and market partners accountable to ensure targets are achieved
• Provide useful risk and financial insights to make better decisions
• Develop and co-own execution of multi-year strategic business plan
• Hire and retain top grade talent and develop the team

Risk & Underwriting Director

• Responsible for implementing the Go to Market Pharmacy strategy by guiding the pharmacy underwriters through account level rate development
• Directly supporting underwriting and pricing for high-impact cases
• Working to develop strategic recommendations related to market competition and pricing
• Deploy tactics to execute strategy and achieve earnings and growth
• Responsible for supporting the development and achievement of business plans and supporting setting strategic direction
• Assist in broker/client development and assist underwriter in high-risk negotiations
• Provide risk and financial insights to make better case decisions
• Conduct regular touch point meetings with Pharmacy Pricing and Go-To-Market team to gain feedback
• Identify and drive process improvements to increase speed to market on quote delivery and case implementation
• Provide a broad risk management perspective to all strategic conversations
• Always start with and end with customer/client needs, when developing consultative, innovative and affordable solutions and contemplating the resultant risk
• Act as a change agent in ensuring the effective implementation of key business priorities
• Develop direct reports; provide opportunities for project work, coach and provide ongoing formal and informal feedback, ensure development plans are in place

Senior Risk and Underwriting Manager

• Conduct timely assessments of merchant credit risk throughout the merchant life cycle
• Analyze financial and bank statements to evaluate creditworthiness and assess merchant financial health
• Estimate financial exposure and recommend risk mitigation measures where necessary
• Communicate risk insights and recommendations effectively with cross-functional stakeholders
• Maintain accurate documentation and audit trails of underwriting assessments
• Monitor portfolio segments and track seller performance to identify risks and opportunities
• Stay current on industry trends and credit risk best practices to inform decision-making
• Facilitate or participate in special assignments and projects to support business initiatives

Senior Analyst, Credit Underwriting

• Oversee and execute quality reviews of Group Rating Intake Tool (GRIT) requests and monthly production work, ensuring accuracy and compliance with actuarial rating methodologies and underwriting guidelines.
• Conduct actuarial, underwriting, and financial impact analysis, including short/long stop-loss period analysis, credibility studies, and underwriting risk assessments to drive data-backed recommendations.
• Develop and implement training materials, procedure manuals, and departmental documentation to ensure standardization and knowledge retention of actuarial methodologies and underwriting practices.
• Identify and implement efficiencies in underwriting workflows, leveraging automation, predictive modeling, and data-driven process improvements to optimize team productivity.
• Develop and deliver technical training on underwriting practices, actuarial methodologies, rating factor adjustments, and risk evaluation techniques.
• Collaborate with internal and external audit teams to support actuarial and underwriting compliance, quality controls, and regulatory reporting.
• Review and validate with final quality reviews for monthly mailings and other underwriting communications to ensure accuracy and clarity.
• Develop, analyze, and maintain rating factors and risk models that support underwriting and actuarial tools, ensuring data-driven decision-making.
• Support SERFF rate filings with the Kansas Department of Insurance (KDOI) ensuring accurate and timely submission of rate justifications and regulatory documents.
• Oversee enhancements to underwriting tools and actuarial databases, ensuring seamless integration of rating models and optimization of underwriting systems.

Underwriting Quality and Tools Analyst

• Effectively handle all incoming calls and follow up calls – up to 100% of shift handling calls
• Provides superior customer service, responding to requests for interpretations of guidelines and procedures, rating inquiries and premium discrepancies in a prompt and professional manner
• Research policy information and exercise underwriting authority
• Escalate risks beyond designated authority level to Commercial Underwriter/Sr. Commercial Underwriter or Supervisor/Manager
• Process high volume policy change requests from internal and external customers.
• Assist with questions related to billing, compliance guidelines and procedures, rating inquiries, etc.

Commercial Underwriting Associate

• Bring your expertise as an underwriter to cross-functional Ladder work teams.
• Evaluate medical and personal history on life insurance applications up to $8 million face amount.
• Participate in the development of the Underwriting team members.
• Collaborate with the Underwriting Audit team to enhance Underwriting Guidelines and clearly communicate audit finding feedback to the Underwriting team.
• Work closely with the Customer Experience and Compliance teams to answer underwriting related questions and share underwriting knowledge.
• Be comfortable both underwriting and applying your knowledge to systems and processes.
• Report to the Head of Underwriting.

Underwriting Manager

• Responsible for the overall management, business development, analysis and monitoring of a highly complex book of business
• Work within broad limits of authority on assignments requiring a high degree of technical complexity and coordination
• Develop specialized endorsement language for highly complex risk
• Determine appropriate pricing of complex risks for assigned book of business
• Make recommendations on underwriting policy and pricing strategy
• Analyze quality, quantity, and profitability of highly complex risks underwritten
• Develop and maintain agency and/or broker relationships with large producers

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