Position Summary:

Analyzes new and existing personal lines business to evaluate degree of risk and potential exposure; accepts, rejects, or modifies coverage; underwrites policies and establishes appropriate premiums according to underwriting authority and guidelines as provided under Company Policies and in compliance with current legislation.

Essential Job Functions:

• Obtains and utilizes pertinent information such as inspection reports, motor vehicle reports, photographs, comprehensive loss reports, registration information, and other third party data to evaluate a personal lines risk and determine acceptability. Reviews endorsements, renewals and other information for existing accounts and re-evaluates the policy in order to determine changes in risk, premium or acceptability per Company guidelines. Ensures accurate and timely processing of updates.

• Influences sales by providing exceptional service and building strong relationships with agents. Helps manage the sales process through assisting agents in placing new business and retaining existing customers.

• Keeps abreast of underwriting developments, products and changes within the Company as well as the industry. Identify opportunities where the Company can position itself more competitively in the marketplace and make significant improvements in pricing and underwriting.

• Participates as a project team member where duties may include: contributing to overall project objectives, completing individual deliverables and providing expertise.

• Other duties as assigned by Leader.

• Regular attendance at work on a full-time schedule of at least 8 hours and 40 hours per week.

Education:

• Bachelor’s Degree required.

Experience:

• 6 months related experience and formal underwriting training

• Or equivalent combination of education and/or experience

Knowledge and Skills:

• Effective and diplomatic verbal and written communication skills to correspond with agents, insureds, marketing and claims personnel concerning policies, coverage, etc.

• Work is of moderate technical complexity, calling for general knowledge of underwriting standards, philosophy and practices.

• Ability to analyze complex data to assist in decision making.

• Requires independent judgment to make decisions beyond the scope of established guidelines and parameters of underwriting, having a moderate to significant impact on the Company in terms of costs, revenue, and customer and agent relations.

• Requires critical attention to detail and strong organizational skill.

• Effective listening skills.