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

• Develops internal capabilities for commercial lending to automotive dealerships
• Manages all aspects of commercial credit underwriting for floorplan, term loans, construction loans, and real estate loans
• Develops and implements strategy for field sales support and serves as a point of contact for new credit requests
• Develops commercial lending system strategies and manages implementation
• Provides leadership, coaching, guidance and training for credit analyst development

Manager, Commercial Credit – Underwriting

• 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

• Review and analyze commercial title searches, surveys, and due‑diligence materials
• Identify and resolve title issues, exceptions, and underwriting risks
• Draft and approve title commitments, endorsements, and final policies
• Collaborate with escrow, production, attorneys, and national underwriters
• Provide guidance on complex deal structures, entity documentation, and closing requirements
• Communicate underwriting decisions clearly to internal teams and clients
• Ensure compliance with state regulations and underwriter guidelines

Title Insurance – Commercial Underwriting

• 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

• Provide high level qualitative and quantitative analysis of FHA Healthcare transactions
• Collaborate and support LEAN Underwriters, closers, and originators for FHA Healthcare group
• Prepare deliverables in Excel, Word, and Power Point
• Pursue and develop internal and external relationships for effective real estate transactions
• Follow established processes for underwriting real estate transactions
• Work with underwriters to analyze deals under HUD rules
• Collect and organize exhibits for HUD/FHA review
• Complete HUD forms for pre-application and application submissions
• Identify and assess transaction risks
• Maintain productive relationships with all partners
• Complete all compliance requirements related to transactions

Underwriting Analyst – FHA

• Directs effective product development, pricing and underwriting
• Manages all components of profit, loss, and expenses for a significant specialty product line
• Achieves profitability and growth goals through the development and execution of annual strategic plan
• Analyzes book trends and manages catastrophe plans
• Communicates and acts on regulatory and legal environments information
• Develops methods for building and mobilizing a technically competent and highly effective staff
• Ensures compliance with underwriting standards and authorities
• Directs underwriting decisions and participates in the creation of underwriting guidelines

Underwriting Director – Inland Marine

• 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, as appropriate based on market conditions
• 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
• Makes underwriting decisions to accept, decline, or modify risks within broad underwriting authority
• Develops superior working relationships with producers

Underwriting Specialist – Inland Marine

• Assists in the development and execution of strategic initiatives that contribute to the growth and profitability for a line of business
• Key advisor to Senior Management, leader or participant on projects, and high level referral point for a particular line of business
• Manages all components of development, growth and profitability for book of business in assigned territory
• Focused on new business production, renewals and large account management
• Underwrites and manages a book of business of highly complex accounts within highest line of business authority levels of new and some renewal business
• Acts as a coach or mentor to new or junior members of the department and provides technical training as needed
• Maximizes opportunities for profitable new business, as appropriate based on market conditions, by leveraging business relationships, product knowledge and underwriting acumen
• Develops and maintains an active target account list tracking prospects and account rounding and/or missed opportunities
• Manages financial performance of all assigned products in assigned territory
• Ensures compliance with standards and assigned underwriting authorities

Senior Underwriting Consultant – Inland Marine

• 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

• responsible for underwriting risk for the underwriting lifecycle from submission through policy issuance
• Performs underwriting analysis and documentation to determine acceptability of risk
• Handles endorsement requests within delegated authority
• Handles assigned renewal book and demonstrates ability to triage renewal applications/specs
• Works as a liaison within the branch to resolve issues
• Documents assigned files ensuring completeness, compliance, and quality
• Executes on advanced pricing strategy on behalf of the Underwriter
• Completes quote proposals and negotiates with external partners
• Expert on systems and workflows, serves as a resource to others
• Keeps current on line of business strategy, state/territory issues, regulations and trends

Underwriting Associate, Commercial Construction P&C

• Review submissions, obtain pertinent underwriting information to enable or assist the underwriter to accurately identify and assess exposures and risk hazards
• Perform and/or coordinate completion of transactional underwriting duties with timeliness and accuracy including: preparation of proposals and binders; account invoicing; policy and endorsement issuance and processing of reinsurance transactions
• Complete other underwriting account support tasks with minimal supervision as per company guidelines
• Adhere to all service standards and respond with urgency to all internal and external customer requests
• In partnership with the underwriter, provide complete and detailed documentation of the underwriting file for all discussions and decisions
• Handle complex accounts and lead as a technical subject matter expert
• Work with IT to represent the needs of the user group including user acceptance testing
• May be responsible for onboarding/training/mentoring of new or less experienced UAs
• Willingness to lead, take charge and offer opinions and direction

Senior Underwriting Assistant

• Support the development, growth, and maintenance of an assigned book of business working directly with UW staff.
• Maintain and develop strong technical Skills including both product and system knowledge.
• Support Underwriting efforts to develop, cultivate, and strengthen relationships with our Agency/Broker partners.
• Maintain strong relationships internally to support underwriting team efforts as well as cross departmental and cross office.
• Perform specialized rating functions as they relate to assigned product line.

Underwriting Technician – Medical Professional Liability

• Leads and directs an underwriting group and is accountable for business results through overall management, profitability, and business development of a book of business
• Directs the work activities and has full management responsibility for the performance and development of subordinate staff in accordance with corporate strategic direction
• Onboards, trains, coaches, leads and develops underwriters and participates in the development of underwriting training and accountable for granting underwriting authority
• Participates with senior management in the development and implementation of underwriting policy, marketing and business strategy; responsible for reviewing and approving referrals within authority
• Drives regional and business unit initiatives and strategies and holds underwriting team accountable for execution; develops and implements operating plans for enhancing the business and meeting strategic objectives
• Reviews and directs the application of underwriting policy and pricing for all risks within an assigned book of business for new and renewal business; drives adherence to documentation and referral standards and completes file reviews to drive continuous improvement in underwriting quality
• Market products and services through agencies or through the brokerage community
• Develops and maintains agency and/or broker relationships to ensure positive and profitable outcomes
• Reports business progress to senior management
• Keeps current on state/territory issues and regulations, industry activity and trends
• May represent the company in industry trade groups

Underwriting Director – Commercial Construction P&C

• Manage the daily operations of Life and Health Underwriting department
• Manage employees (underwriters) who underwrite individual insurance applicants
• Develop employees through regular coaching and feedback
• Execute process improvements and lead organizational process changes
• Proactively identify opportunities to improve operational effectiveness
• Respond to complex/sensitive customer Service complaints
• Represent department on action teams and other decision-making forums
• Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled

Manager, Life and Health Underwriting

• Determines acceptability of medically underwritten risks for complex cases
• Calculates appropriate group/individual premium rates for new business and renewal
• Proposes new business rates for complex cases ensuring rating compliance
• Calculates renewal rates for complex cases utilizing a thorough analysis of medical experience
• Evaluates medical information to assign appropriate underwriting decision
• Monitors rating compliance reporting with actuaries for assigned business
• Analyzes and responds to written and verbal underwriting inquiries
• Participates in and may lead special underwriting projects
• Interacts frequently with brokers, sales, administration and actuarial areas

Clinical Medical Review – Oncology

• Lead and contribute to complex multifamily mortgage fraud investigations by applying multifamily underwriting expertise, forensic underwriting analysis, and knowledge of multifamily mortgage fraud schemes.
• Assess allegations involving the origination, processing, underwriting, sale, servicing, and disposition of multifamily loans or REO properties.
• Conduct targeted research; prepare well-supported investigative reports and files; and present findings to key stakeholders and senior management.
• Perform forensic underwriting reviews of complex multifamily loan files to identify potential fraud, misrepresentation, data integrity concerns, and other issues relevant to mortgage fraud determinations.
• Plan, conduct, and document inquiries into allegations of multifamily mortgage fraud.
• Analyze borrower and sponsor information, property performance, valuation support, rent rolls, operating statements, third-party reports and inspections to assess fraud indicators and materiality.
• Prepare clear, accurate, and well-supported investigative reports, case summaries, statistical data, and files in accordance with established policies, procedures, and regulatory expectations.
• Present investigative findings, conclusions, and recommendations to stakeholders and senior management.
• Serve as a subject matter expert for internal stakeholders on multifamily fraud investigations.
• Lead collaboration, knowledge-sharing, and training efforts across Financial Crimes, Multifamily, and enterprise partners.

Lead Associate, Multifamily Underwriting Fraud Investigation

• 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

• Oversees Risk Eligibility and Risk Class Underwriting for Commercial Auto, GL and Cargo.
• Manages Effective and Efficient Delivery of Customer Service to Agents and Insureds.
• Ensures timely preparation and submission of performance evaluations, salary adjustment and discipline.
• Provides final approval/denial of risks outside the UW III authority up to (1) Million in liability, fleet policies in excess of $20K in premium, loss history on large accounts and policies with a state or federal filing.
• Alerts Product Management of pricing and/or rule guide discrepancies & systems issues.
• Provides support needs for Director responsibilities when absent.

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