Underwriter

• 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

• Lead, coach, and develop a team of retail residential underwriters — managing daily production, quality metrics, and pipeline turn times
• Partner cross-functionally with sales, processing, and operations leadership to keep file flow moving efficiently and exceptions resolved quickly
• Own the escalation queue — making sound, defensible credit decisions on elevated or exception files while documenting reasoning clearly
• Drive calibration sessions and ongoing training to keep the team aligned on agency guidelines, investor overlays, and internal credit policy
• Identify workflow inefficiencies and collaborate with ops leadership to implement process improvements that protect both speed and quality
• Serve as a credit culture ambassador — modeling sound judgment, clear communication, and a commitment to compliant, borrower-focused lending

Underwriting Manager – Retail Residential Mortgage

• Reviews applications and financial requirements for risks requiring complex underwriting skills
• Determines acceptability of risk in accordance with company guidelines and standards
• Determines appropriate pricing based on financial and competitive analysis in line with compliance requirements
• Prepares quotes and answers questions from agencies, policyholders or other external contacts and escalates issues to management along with proposed solutions as necessary
• Negotiates with agents to reach positive and profitable outcomes
• Analyzes quality, quantity, and profitability of risks underwritten and prepares reports for management review
• Markets products and services through agencies or through the brokerage community and makes field visits
• Develops and maintains agency and/or broker relationships

Underwriting Specialist – Private, Non-Profit Management Liability

• 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

• Process Surety business through data entry, Underwriter support, understanding rating scenarios, and producing error-free work through strong attention-to-detail
• Develop superior working relationships with underwriters and act as the first point of contact with timely service inquiries
• Maintain successful relationships with agencies and clients
• Display and use knowledge with filed rates, minimum premium, rater and assisting with line cards
• Manage internal reports: monthly renewal, status reports, data cleanup projects, submission under review & quoted status
• Provide support to Surety UW Center team (other UAs, account management, bond forms, collections)

Underwriting Assistant, Surety

• 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.
• 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 work flow to provide recommendations on productivity and efficiency improvements.
• Updates and monitors departmental processes and procedures in compliance with system, regulatory and business requirements.

Senior Stop Loss Group 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.
• 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.

Stop Loss Group Underwriting Consultant

• 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

• 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

• Manage the portfolio of a sales region to meet profit and growth objectives for Group LTD, Group Life, Group STD, and VWB.
• Partner with sales management to achieve profit and growth objectives as approved in the regional plan and Corporate Operating Plan.
• Develop a dynamic team of consultative underwriters proficient in providing customer focused delivery of Unum’s entire products portfolio.
• Responsible for development of a regional team focused on consultative underwriting and best in class risk assessment and management.
• Ensure integration of entire Unum portfolio in the sales and underwriting process.
• Make appropriate risk management decisions consistent with the regional plan and Corporate Operating Plan.
• Exhibit a superior understanding of market trends and conditions in assigned region developed by a close partnership with sales management.
• Develop profit and growth plan in coordination with sales management.
• Develop and manage inforce marketing programs in coordination with sales management that capitalize on opportunities within the assigned region.

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