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

• Review of incoming submissions and subsequent documents/reports for completeness along with class of policy (Group or Individual), branch code and other required information
• Work with Underwriters and Sales staff to assess submitted information
• Process reserves in policy issuance system
• Participate as needed in systems and workflow development as required
• Review workload daily to prioritize timelines for medical underwriting review submissions
• Support our Benefits Underwriting Department with daily tasks
• Assist underwriters in managing a book of business and help improve the underwriting process
• Assist the Claims Department with authorized services, narratives, and reserves

Medical Benefits Underwriting Coordinator

• Assist and support benefit underwriters with quoting, rating and issuance of new business quotes, renewals, and endorsements
• Respond to problem situations from brokers and perform customer service tasks as needed
• Review of incoming submissions and subsequent documents/reports for completeness along with class of policy (Group or Individual)
• Work with Underwriters and Sales staff to assess submitted information
• Process reserves in policy issuance system
• Participate as needed in systems and workflow development as required
• Review workload daily to prioritize timelines for medical underwriting review submissions

• Review and rate commercial insurance applications to determine policy premiums using internal systems and guidelines
• Enter data into the Policy Administration System (PAS) based on experience, training, and reference materials
• Upload and organize policy and account documents in underwriting files
• Document underwriting notes and assumptions accurately
• Prepare policy endorsements using application details and system tools
• Analyze state-specific coverages, limits, and underwriting criteria to support automated processing
• Process policy changes, including cancellations, reinstatements, and non-renewals

Underwriting Technician

• Monitors a vast variety of incoming requests from at least nine individual state email boxes and assigns work to appropriate team members.
• Uploads electronic policy level and account level documents to the underwriting file as applicable.
• Orders motor vehicle reports (MVRs) and police reports for Underwriters and enters driving information into Policy Administration System (PAS).
• Sets up decline accounts in the Policy Administration System (PAS).
• Rates commercial insurance policy endorsements by referencing correspondence, enters data in our Policy Administration System (PAS), utilizes Intranet Rater Manual and Technical Trainer instructions.
• Prepares and sends loss runs as requested.
• Researches returned mail and updates policy addresses as applicable in the Policy Administration System.

Underwriting Services Representative

• Lead and manage a large, multi‑functional Business Banking Lending Center (BPLC) encompassing service representatives, underwriters, portfolio managers, and credit approvers.
• Own the end‑to‑end lending operating model, ensuring underwriting and servicing processes are well‑designed, documented, tested, and consistently executed.
• Maintain a strong culture of risk management and control aligned with enterprise frameworks and regulatory expectations.
• Address complex customer concerns, complaints, and escalations to ensure fair, timely, and favorable resolution.
• Partner with senior executives and business leaders to align operational capabilities with growth, risk, and financial objectives.
• Develop and oversee performance, risk, and compliance reporting across operations, training, and automation.

Managing Director, U.S. Business Banking Loan Underwriting, Operations, Transformation

• Evaluates and classifies medical, non-medical, and financial risks on complex risks for life insurance
• Maintains strong client relationships by providing underwriting solutions
• Processes casework load to meet time service/productivity goals
• Collaborates with team members and other departments for quality results

Senior Underwriting Consultant

• Provide day‑to‑day supervisory leadership for an assigned team of Underwriters, with accountability for underwriting quality, consistency, and productivity.
• Support Underwriting associates through coaching, file reviews, referral guidance, and ongoing performance feedback to ensure adherence to underwriting guidelines and operational expectations.
• Execute underwriting initiatives, process changes, and workflow updates as directed by leadership; monitor adoption, effectiveness, and results.
• Review underwriting and operational performance data to identify trends, risks, and development opportunities; communicate insights and recommendations to leadership.
• Support learning and development of new Underwriting associates to ensure successful integration and skill development.
• Foster and participate in special projects and continuous improvement efforts aimed at enhancing underwriting processes, efficiency, and outcomes.
• Serve as an escalation point for underwriting questions and complex referrals, providing guidance consistent with established authority and guidelines.

Commercial Underwriting Supervisor

• Interpret and apply underwriting guidelines and procedures to support service level standards.
• Review and clear accounts for new customers and process policy change requests that do not require underwriting decisions.
• Collaborate with internal teams to ensure timely and accurate policy service.
• Maintain a strong customer service orientation in all tasks and communications.
• Adapt to and support ongoing changes in technology, systems, and workflows.

Underwriting Technician IV

• Lead and manage a large, multi-functional Business Banking Lending Center (BPLC) encompassing service representatives, underwriters, portfolio managers, and credit approvers.
• Own the end-to-end lending operating model, ensuring underwriting and servicing processes are well-designed, documented, tested, and consistently executed.
• Maintain a strong culture of risk management and control aligned with enterprise frameworks and regulatory expectations.
• Address complex customer concerns, complaints, and escalations to ensure fair, timely, and favorable resolution.
• Partner with senior executives and business leaders to align operational capabilities with growth, risk, and financial objectives.
• Develop and oversee performance, risk, and compliance reporting across operations, training, and automation.
• Lead the design and delivery of enterprise learning programs, including digital content, virtual sessions, and on-the-job training.

Managing Director – Head, U.S. Business Banking Loan Underwriting, Operations, Transformation

• 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 a field underwriting organization focused on driving profitable new business growth through direct agency engagement and market-facing underwriting execution.
• Provide leadership and technical expertise through management of people, processes, and agency relationships.
• Partner closely with sales, underwriting, product, and distribution teams to align underwriting strategy with market opportunities.
• Develop underwriting talent, optimize field engagement models, and ensure consistent execution of underwriting standards.
• Prepare and analyze team and state plans and performance reports.
• Communicate and support organization mission, vision, values, policies, and practices.

Commercial Lines Field Underwriting Manager

• Responsible for underwriting and managing a portfolio of commercial insurance accounts with moderate to high complexity
• Apply advanced underwriting knowledge to assess risk, determine appropriate coverage, and ensure profitability
• Collaborate with internal and external stakeholders, support agency relationships, and contribute to enterprise initiatives
• Underwrite new business submissions, renewals and endorsements
• Oversee growth and profitability of an underwriting territory
• Use internal and external data and reporting to support decision-making
• Document underwriting files with sufficient detail and clarity
• Provide territory performance reports and action plans to leadership
• Collaborate with sales, claims, loss control, and agency partners
• Lead agency visits and promote product line benefits and growth/incentive efforts
• Support agency action plans
• Maintain compliance with underwriting guidelines, best practices, rate plans, and the Letter of Authority
• Mentor new associates, Underwriter I, and support training
• Participate in committees and enterprise initiatives
• Navigate conflict and contribute to team solutions

Underwriting Specialist

• Support the execution of timely and efficient underwriting activities by following established guidelines and referral rules
• Assist with profit improvement initiatives for assigned territory by contributing to the development of underwriting plans
• Collaborate with key stakeholders by sharing information and recommending solutions to basic underwriting issues
• Assist team with streamlined underwriting by processing, documenting and organizing assigned policies
• Build relationships with agents by gathering inquiries, researching issues, and supporting agent training
• Participate in project teams by collaborating during business planning and troubleshooting process issues
• Maintain product, system, and process knowledge
• Provide a professional level of services to external customers and internal stakeholders
• Ensure timely communication with relevant stakeholders with respect to processing queries

Associate Underwriting Operations – Commercial Property

• 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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