Underwriter

• 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

• Establish and ensure adherence to risk appetite, risk selection, coverage analysis, underwriting guidelines and underwriting authority for assigned line(s) of business.
• Create consistency in underwriting and pricing decisions and enhance monitoring standards to assess underwriting results at the portfolio level.
• Provide subject matter expertise and support for complex referrals.
• Acquire and leverage market intelligence to compare to peers’ and ensure a competitive fit for our agency customers.
• Work with Product leadership to develop new product ideas and review coverage language.
• Assist in underwriting governance by participating in underwriting audits, monitoring exception thresholds and working with regional management on improvement plans.

Underwriting Consultant

• Calculates renewal rates for large complex cases based on thorough analysis of experience, location, demographics, etc.
• Determines and provides guidance to medical underwriters concerning the risk selection of applicants applying for individual health coverage.
• Coordinates with other departments to ensure accuracy and consistency of overall account reporting.
• Proposes rates for prospective business utilizing a combination of other carrier experience, demographic data and manual rates.
• Performs post-sale reviews.
• Prepares or supervises preparation of annual settlements, ERISA reports, rate projections, or benefit change increments and decrements.
• Surveys existing product portfolios by market, monitors sales results, trends and needs, recommends product portfolio changes.
• Assists in establishing rating and administrative procedures.
• Participates in major multi-functional teams as underwriting representative.
• Assists in the technical development of underwriting associates.

Group Underwriting Consultant

• Execute quality reviews by reconstructing Employee Benefits underwriting cases to validate adherence to compliance and regulatory standards, pricing protocols, underwriting standards, documentation protocols and guidelines.
• Perform targeted audits on emerging trends, areas of concern or process changes to inform Risk Management practices and guidelines.
• Complete root cause analysis on quality reviews and audit results by evaluating data for quality trends and opportunities from multiple sources including, but not limited to independently run reports.
• Deliver meaningful feedback in a respectable manner to Underwriters and or their leaders when reporting Quality results, trends, and recommendations.
• Support Strategic Reserve by underwriting cases during peak periods; collaborate effectively with business customers (Underwriting & Sales) to meet customer deadlines.
• Identify learning opportunities based on quality findings: prepare and present training materials when applicable.
• Lead or participate in strategic initiatives exhibiting thought leadership by providing insightful input and expertise to influence and deliver optimal business outcomes.
• Function as an Underwriting Subject Matter Expert: stay current with guideline, best practice, tool and system enhancements.
• Competently articulate enhancements to Underwriters to ensure consistency across the organization when deviations are identified.
• Effectively coach and mentor Underwriters, provide insightful and comprehensive consultations, tailor conversations based on individual needs to instill expertise among our Underwriting organization.
• Manage own time and workload efficiently: balance multiple priorities to fulfill all commitments within established timeframes.

Quality Underwriting Consultant

• 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

• Evaluates and underwrites new and renewal business in accordance with Company underwriting guidelines and risk appetite.
• Analyzes risk data to make informed decisions on coverage, pricing, and terms.
• Collaborates with actuaries, agents, brokers, and clients to obtain necessary information and clarify details.
• Orders and reviews additional reports and screens, such as motor vehicle reports, loss history reports, outside inspections, etc., to inform decisions.
• Ensures proper documentation of underwriting decisions and compliance with state and federal insurance regulations.
• Evaluates existing policies for potential renewal or modification.
• Communicates underwriting decisions clearly and effectively to internal teams, agents, and brokers.
• Stays updated on industry trends, regulatory changes, and market conditions.
• Develops and maintains effective business relationships with internal and external customers/coworkers, focusing on generating new business and retaining profitable business.
• Interprets, explains, and markets products and services.
• Performs other duties as assigned.

Senior Underwriter

• 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

• Lead commercial underwriting operations and manage underwriting staff performance.
• Establish and maintain underwriting guidelines defining acceptable classes, restricted risks, and target profitable segments.
• Develop and manage Florida commercial auto underwriting appetite and eligibility standards.
• Review, approve, modify, or decline complex fleet and transportation risks.
• Evaluate risk factors including driver quality, vehicle type, radius of operation, commodity hauled, DOT compliance, loss history, garaging territory, and financial stability.
• Monitor portfolio concentration by class, territory, and fleet size to ensure balanced risk distribution.
• Analyze loss trends and portfolio performance to recommend underwriting strategy adjustments.
• Ensure compliance with Florida regulations and applicable state and federal transportation requirements.
• Monitor underwriting KPIs, quality standards, and operational performance benchmarks.
• Partner with claims, actuarial, product, and executive leadership to support profitability initiatives.
• Provide coaching, technical guidance, and leadership development to underwriting staff.
• Drive process improvements and operational efficiencies.

Commercial Auto Underwriting Manager

• Provides leadership, coaching and direction to the underwriting team to ensure growth and profitability.
• Identifies opportunities to develop new business.
• Ensures the Equine book of business meets budget and performance targets.
• Develops and maintains strong relationships with brokers and agents by providing excellent customer service in order to attract and retain profitable business.
• Has accountability for the risk selection / rejection, pricing, retention, growth and profitability (within scope of authority and per divisional objectives).
• Oversees receipt and analysis of submissions and decisions of what terms to offer (policy limits, credit limits, deductibles, coverage options and conditions, etc.).
• Works with Predictive Analytics to ensure business is priced in accordance with company guidelines.
• Approve and monitor underwriting guidelines, rules, practices and systems necessary to maintain and develop profitable commercial lines business
• Works with other functional units within the division to identify goals and strategies to optimize customer service and satisfaction.
• Ensures the appropriate utilization of underwriting and desktop systems.
• Assesses risk quality and compliance within company guidelines and may initiate appropriate loss prevention actions.
• Performs other duties as assigned.

Head of Underwriting – Equine Division

• Underwrites and manages a book of business of highly complex, specialty accounts within broad authority levels
• Assists with the development and execution of strategic initiatives that contribute to the growth and profitability for that book of business in assigned territory
• Maximizes opportunities for underwriting profitable new and renewal business
• Develops and maintains an active target account list tracking prospects and account rounding and/or missed opportunities
• Manages financial performance of assigned territory
• Executes underwriting strategy as determined by management
• Develops superior working relationships with producers
• Monitors agency action plans and participates in account management, agency planning and marketing meetings

Underwriting Specialist – Entertainment

• Participate in a program that equips you with learning experiences
• Develop knowledge and understanding of AIG and the insurance industry
• Learn new skills through on-the-job experiences and instructor-led masterclasses
• Build connections with colleagues across the organization

Early Career Underwriting Analyst

• Overseeing and managing daily business operations to ensure efficiency, quality, accuracy, customer service, and cost effectiveness
• Assisting with the managing of underwriting operations, policy execution
• Developing, implementing, and improving operational policies and procedures and workflows for the Public Auto Department
• Managing the Policy Services Department responsible for all policy related functions
• Ensure internal and external compliance with company policies, carrier underwriting authority, guidelines and regulatory requirements
• Maintain operational quality controls

Operations/Underwriting Manager – Commercial Auto

• Own the Senior Underwriting production team
• Drive profitable new business growth and new product development
• Serve as the primary referral authority for the Senior Underwriting team
• Establish and communicate underwriter performance goals
• Review submission referrals and manage overall performance
• Handle FCCI Specialty's most complex accounts
• Accurately assess account eligibility
• Lead product and process improvements
• Determine rating methodology and manage successful growth of E&S Division

Director, Underwriting – Surplus Lines Casualty

• Own the Senior Underwriting production team and drive profitable new business growth and new product development.
• Serve as the primary referral authority for the Senior Underwriting team.
• Establish and communicate underwriter performance goals and reviewing submission referrals.
• Manage overall performance management and training.
• Handle FCCI Specialty's most complex accounts and assess account eligibility.
• Lead product and process improvements, and determine rating methodology.

• Build pricing and underwriting models and analyses to guide new deal pricing and review of existing pricing arrangements.
• Perform detailed medical cost, utilization, and trend analyses to support rate development and pricing recommendations.
• Evaluate profitability of quotes, renewals, and book-level performance relative to pricing assumptions.
• Track performance of existing contracts.
• Support evaluation of risk and pricing strategies for new and existing products through multiple scenarios, such as base, downside and upside cases.
• Analyze and assess the integrity of the data being used for underwriting.
• Identify and recommend mechanisms and contract terms that mitigate known and unknown risks and uncertainties.
• Partner with operations, medical economics / business analytics, product, sales, account management and others as appropriate.

Underwriting Analyst

• Calculates renewal rates for large complex cases based on thorough analysis of experience, location, demographics, etc.
• Determines and provides guidance to medical underwriters concerning the risk selection of applicants applying for individual health coverage.
• Coordinates with other departments to ensure accuracy and consistency of overall account reporting.
• Proposes rates for prospective business utilizing a combination of other carrier experience, demographic data and manual rates.
• Performs post-sale reviews.
• Prepares or supervises preparation of annual settlements, ERISA reports, rate projections, or benefit change increments and decrements.
• Surveys existing product portfolios by market, monitors sales results, trends and needs, recommends product portfolio changes.
• Assists in establishing rating and administrative procedures.
• Participates in major multi-functional teams as underwriting representative.
• Assists in the technical development of underwriting associates, which may include monitoring reports and workflow to provide recommendations on productivity and efficiency improvements.
• Updates and monitors departmental processes and procedures in compliance with system, regulatory and business requirements.

• 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

• Lead underwriting strategy and governance for National Accounts
• Ensure disciplined risk selection and pricing across Group Life, AD&D, STD/LTD, PFML/Statutory Disability, and fee based arrangements
• Monitor portfolio performance to achieve National Account sales, profitability, and persistency objectives
• Build, develop, and engage a high-performing team of experienced underwriting professionals
• Partner with Sales, Actuarial, Product, Finance, Legal, and Operations to support customer solutions and underwriting outcomes
• Champion continuous improvement in underwriting execution, service delivery, and talent utilization

Director of Underwriting, Employee Benefits

• Maintains a current and comprehensive knowledge of Lending Program Guidelines
• Conducts in-depth review of sponsor/guarantor financials, including balance sheets, income statements, tax returns and real estate schedules to determine ability to support guarantees
• Assists Underwriters in scrubbing and analyzing information from Client for accuracy
• Communicates with sponsors regarding due diligence items required from the borrower/sponsor
• Assists borrowers with agency forms, ensuring they are accurate and complete
• Follows up with internal team and clients to obtain all necessary information and to clarify any financial and/or property specific information
• Tracks orders for appraisals, title reports, environmental reports, legal formation documents, credit reports and any other documents required for processing the loan
• Works with internal and external counsel to deliver loan documents, obtain appropriate signatures, and deliver to escrow for closing
• Assists underwriters with completing required forms, and reviewing and verifying customer due diligence to ensure adherence to all compliance policy
• Completes post-closing funding procedures and deliver closed transactions to Loan Servicing
• Prepares loan status reports and documents as required
• Actively interacts with lending personnel to ensure timely analysis and closing of proposed loans
• Actively interacts with multiple internal and external parties involved in the lending process, including originators, brokers, sponsors, third party report providers, counsel, and credit officers

Real Estate Capital Markets Underwriting Analyst

• 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.

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