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

• Select, price and develop coverage terms for small commercial lines accounts to achieve profitable underwriting results and assist with providing leadership, support and coaching for the underwriting function
• Review new business applications to evaluate degree of risk involved
• Accept or decline risks based on company’s underwriting policies
• Review application for completeness
• Contact agents for missing or incomplete information
• Using sound underwriting judgment and technical skills, and continued personal development to meet the company goals of quality and timeliness
• Assist data entry unit on the processing of new business, renewals, policy changes and all other related transactions
• Interpret insurance coverage’s for agents and insureds; answer telephone inquiries from agents and insureds regarding coverages and pricing
• Maintain and establish good working relationship with agents and communicate underwriting decisions to agents and insureds
• Review policy renewal information to determine if properly priced based on exposure; determine if policy should be renewed based on company criteria
• Review and approval all policy changes submitted
• Assist other functions or departments with enhancing and developing existing products in order to enhance the underwriting process

Small Business Underwriting Assistant

Underwriting Assistant

• 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

• 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

• Manages the work activities, performance, and professional development of the underwriting department, including leading and supporting a geographically dispersed remote team.
• Manage agency relationships and book management.
• Coach underwriting leaders, mentor underwriters, and contribute to the design and delivery of underwriting training programs; travel is required.
• Makes recommendations on underwriting policy and pricing strategy to Business Unit Lead.
• Reviews and manages the application of underwriting policy and pricing for all risks.
• Drive key initiatives and business strategies.
• Represent the organization at key industry events and conduct agency visits.
• Partner with the Product department to develop new products and enhance underwriting approaches.
• Work with the Claims team to review large loss reports and take corrective action when necessary.
• Work with the Actuarial team to review pricing, underwriting results, and portfolio performance.
• Coordinate with the Marketing team to communicate value propositions and underwriting messages to agency partners.
• Stay current on state and territory regulatory requirements, industry activity, and market trends.
• Lead and participate in projects as assigned.
• Perform other duties as needed.

Underwriting Manager

• 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

• Maintain and enhance sales support mechanisms for prospective clients
• Calculate risk of pricing metrics and value derived from the relationship with the client
• Review, pro-actively identify, and support implementation of opportunities for rebate, pricing, and discount performance improvement via analysis
• Research external and internal pricing trends and forecasts to contribute to overall pricing strategy
• Maintain databases to support business decisions and inform responses to client or prospective client requests
• Track and report client performance impacts of relevant programs. (e.g. Savings Connect)
• Monitoring of forecasted results as they compare to actuals
• Identify opportunities for client savings or program enhancements
• Perform analyses as requested by internal and external business owners, or in support of identified business objectives
• Develop an understanding of contractual terms and performance to assist in development of program strategies, pricing decisions, and contract language
• Perform quality assurance to ensure accuracy of pricing and processes
• Other duties as assigned

Analyst, Pricing and Underwriting

• Support preparation of credit approval packages.
• Assist in due diligence, underwriting or asset reviews of individual transactions in compliance with policies and procedures.
• Support portfolio management activities by monitoring financial performance and risk exposure.
• Conduct financial analysis and modeling to assess feasibility.
• Gather market data to support underwriting, asset or portfolio reviews.
• Partner with internal teams to ensure adherence to regulatory and internal policies.
• Lead the analysis and evaluation of opportunities, ensuring financial viability aligns with the organization's risk appetite, and social impact goals.
• Monitor the portfolio performance for both financial health and social impact performance, collaborating with internal teams to ensure ongoing compliance with CDFI certification and grant funding requirements.
• Identify and implement process improvements for capital deployment, impact reporting, and partner relationship management to maximize community reach and operational efficiency.
• Contribute to process improvements to enhance operational efficiency.

Principal Associate, Underwriting – CDFI

• Calculates proposed rates for large complex prospective cases based on thorough analysis of other carrier experience, location, demographics, etc.
• Coordinates with other departments to ensure accuracy and consistency of overall account reporting.
• 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.

Senior Group Underwriting Consultant

• 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.

• 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 team of associates to underwrite and manage a portfolio of assets
• Engage with internal and external stakeholders to complete due diligence, risk assessment/mitigation
• Drive process improvements to enhance operational efficiency and risk management practices
• Mentor and develop junior associates, providing guidance on underwriting, risk assessment, portfolio management and financial modeling
• Represent Capital One in industry forums and build strong relationships with market influencers and key stakeholders

Senior Manager, Underwriting & Portfolio Loan Management

• 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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