Underwriter

Job Summary:

Reviews, evaluates, and rates insurance applications. Determines eligibility of risks when compared to guidelines of programs available.  Evaluates the degree of risk involved anddetermine appropriate course(s) of action.  Participates in surveys and studies to produce production and loss analysis reports as required.

Essential Duties and Responsibilities:

• Teamwork
• Communicates with co-workers, management, vendors, and others in a courteous and professional manner.
• Effectively collaborate within the Underwriting, Operations, Product Management, Claims, and Sales teams.
• Proactively initiates and participates in various Underwriting related projects.
• Customer Focus
• Build, maintain, and manage successful producer relationships to achieve new business development and retention.
• Assist agents with comments or questions about applications and the likelihood of acceptance by the company.
• Participates in agency management activities.
• Answers questions from policyholders and prospects.

Risk Evaluation

• Reviews applications and additional information to determine risk acceptability for the program(s)available within underwriting authority.
• Evaluate individual prior loss experience for selected risks.
• Evaluate the loss potential due to catastrophe, severity, and/or frequency.
• Handles high value risks and exceptions within authority.
• Reviews requests for cancellation, endorsements, etc.
• Reviews inspections for eligibility.
• Reviews policies for renewal consideration.
• Rate policies or check previously rated policies for proper rating.
• Utilizes knowledge of available systems to develop information for new or renewal policies.
• Requests additional documentation necessary for the processing of an application, endorsement or cancellation.
• Maintains the integrity of the company and products offered by complying with federal and state regulations as well as company policies and procedures.

Job Qualifications:

• Associate’s Degree or Bachelor’s Degree preferred.
• 2-20, 20-44PL, or 4-40 Licensure preferred.
• Three years of property and casualty agency or company experience required.  One year of property and casualty underwriting experience required.
• Knowledge of departmental regulations and policies and standard accepted underwriting practices.
• Proficiency with Microsoft Office products and internet research tools required.
• Excellent communication skills and ability to interact on a professional level with internal and external personnel.
• Demonstrated customer service focus / superior customer service skills.
• Resourceful and skilled in gaining consensus to solve problems.
• Results driven with strong problem solving and analytical skills.
• Ability to work independently in afast-pacedenvironment; and manages changingpriorities effectively.
• Detail-oriented and exceptionally organized.
• Collaborative partner; ability to contribute to a positive work environment.

General Information:

All employees must pass a pre-employment background check. Other checks may be needed based on position: driving history, credit report, etc.

The preceding job description has been designed to indicate the general nature of work performed; the level of knowledge and skills typically required; and usual working conditions of this position. It is not designed to contain, or be interpreted as, a comprehensive listing of all requirements or responsibilities that may be required by employees in this job. Nothing in this job description restricts management’s right to assign or reassign duties and responsibilities to this job at any time.

Heritage Insurance Holdings, Inc. is an Equal Opportunity Employer. We will not discriminate unlawfully against qualified applicants or employees with respect to any term or condition of employment based on race, color, national origin, ancestry, sex, sexual orientation, age, religion, physical or mental disability, marital status, place of birth, military service status, or other basis protected by law.