Underwriter

• Leverages intermediate and some advanced business, analytical and technical knowledge to participate in discussions with cross functional teams to understand and collaborate on business objectives and influence solution strategies.
• Applies advanced analytical techniques to solve business problems that are typically medium to large scale with impact to current and/or future business strategy.
• Applies innovative and scientific/quantitative analytical approaches to draw conclusions and make 'insight to action' recommendations to answer the business objective and drive the appropriate change.
• Translates recommendation into communication materials to effectively present to colleagues for peer review and mid-to-upper-level management.
• Incorporates visualization techniques to support the relevant points of the analysis and ease the understanding for less technical audiences.
• Identifies and gathers the relevant and quality data sources required to fully answer and address the problem for the recommended strategy through testing or exploratory data analysis (EDA).
• Integrates/transforms disparate data sources and determines the appropriate data hygiene techniques to apply.
• Thoroughly documents assumptions, methodology, validation and testing to facilitate peer reviews and compliance requirements.
• Understands and adopts emerging technology that can affect the application of scientific methodologies and/or quantitative analytical approaches to problem resolutions.
• Delivers analysis/findings in a manner that conveys understanding, influences mid to upper level management, garners support for recommendations, drives business decisions, and influences business strategy.
• Ensures risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

Mid-Level Decision Science Analyst – P&C Underwriting Analytics

• 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

• Manages an underwriting staff and is accountable for business results through the oversight
• Leads the management of a multi-region renewal portfolio and oversees the work activities, performance, and development of underwriting staff
• Makes recommendations on underwriting policy and pricing strategy to management
• Prepares and presents operational reports to management
• Develops, maintains and cultivates agency and/or broker relationships to ensure positive and profitable outcomes

Underwriting Manager

• Assist with underwriting insurance risks in accordance with the business plan and delegated authority.
• Provide technical underwriting and administrative support to the underwriting staff.
• Analyze underwriting information to triage, prepare and respond to quotes, renewals and policy endorsements.
• Apply underwriting guidelines and ensure compliance with all company filings, rules, and regulations.
• Underwrite and process all endorsement requests within assigned letter of authority statement.
• Document assigned files with quality underwriting information aligned with business strategy.
• Screen new business submissions for assigned underwriters and create file documentation.
• Provide comprehensive analysis and underwriting recommendations to Underwriter when decisions exceed authority.

Underwriting Associate

• Ensure sufficient information is obtained and forwarded to the underwriter for proper risk evaluation
• Using manuals, established procedures, and collected information, prepare the underwriting file for the underwriter by completing loss summaries, reviewing driver acceptability, following up to obtaining missing information and other related tasks
• Process policy change requests within knowledge and authority levels allowing the underwriters to focus on more complex policies and accounts
• Collaborate with other business areas to ensure service and quality objectives are met.
• Build and maintain effective working relationships with underwriters, sales agents and brokers
• Maintain privacy and confidentiality requirements as required by legislation
• Perform other job-related duties as assigned from time to time

Underwriting Support Associate – Commercial Lines

• Responsible for sorting, routing, and processing all incoming and outgoing mail
• Types and proofreads documents as needed
• Scans and attaches documentation into underwriting system
• Orders various reports, such as MVR’s and ISO rate surveys, as applicable
• Processes policy filings, cancellation notices, reinstatement notices, and other insurance-related documents as required, while adhering to time service standards
• Handles conditional renewal notices processing in accordance with state requirements
• Processes incoming new business submissions, while adhering to time service standards
• Processes incoming endorsement requests, including referrals to underwriting and may process basic endorsement transactions
• Assists with special projects as needed

Underwriting Assistant – Operations

• 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

• Underwriting the most complex risks
• Delivering the value of the AIG brand to broker partners and clients
• Developing and maintaining relationships
• Make independent sales calls to market and cross-market products
• Managing an assigned portfolio of renewal business
• Establishing and refining underwriting workflow
• Coordinating activities to achieve volume expected to meet operational requirements
• Monitoring performance of staff members according to established standards
• Training and mentoring new staff
• Supporting management in maintaining high service standards

Underwriting Specialist – General Aviation

• 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

• Provides expert content/professional leadership on complex Risk & Underwriting assignments/projects
• Manages assigned book of business focused on attaining profitable growth, persistency, and earnings.
• Performs case-specific risk assessments.
• Performs account level rate development and conducts customer negotiations with Sales.
• Develops and monitors account earnings plans to achieve growth and profitability.
• Develops strategic recommendations related to market competition, products and pricing.
• Partners with sales department and brokers to deliver customer presentations.
• Conducts ad hoc analyses which have a potential financial impact.
• Responsible for effectively communicating with Leadership, SAM, and other business partners.

Senior Risk & Underwriting Advisor

• 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.

• Reviews applications and financial requirements for risks requiring complex underwriting skills
• Determines acceptability of risk in accordance with company guidelines and standards
• Prepares quotes and answers questions from agencies, policyholders or other external contacts
• Notifies agencies of adverse underwriting decisions, rate appeals, underwriting requirements, status and declinations
• Mentors and guides less experienced underwriters and underwriting associates
• Utilizes advanced functionality in relevant CNA systems to perform day-to-day activities

Underwriting Specialist – Underwriting Hub

• complete basic due diligence, document processing and financial/statistical analysis in support of the underwriting function
• assist in preparation of business case for credit approval, but does not have credit approval authority
• perform basic due diligence, including reviewing relevant forms, providing analysis and ordering reports
• assist in the underwriting process by ensuring the accuracy and/or completeness of relevant information and documents
• perform basic financial analysis, such as cash flow and collateral analysis
• research/respond to internal/external customer questions and inquiries

Underwriting Associate – Commercial

• 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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