Role Description

The Underwriter is responsible for demonstrating a broad understanding of insurance principles and the underwriting process. They evaluate information/data to make decisions to accept, reject, or modify coverage within their authority level. The underwriter creates a positive customer experience by providing a high level of customer service, educating agents and policyholders on the programs and coverages offered, providing information regarding underwriting requirements, and contributing to the overall effectiveness of TWIA/TFPA by balancing stakeholder needs with the goals of the Associations. This role is remote and open to candidates residing in the United States.

Essential Functions

• Review and process new applications, renewals, endorsements, cancellations, and inspections to determine eligibility and insurability of applicant and property. Communicate underwriting actions to the agents. (Scheduled time approximately 65%)
• Serve as contact for agents (via phone/email) and assist with coverage, rating, eligibility inquiries, and process policy transactions as appropriate. Explain coverage decisions and policy information to agents and policyholders/stakeholders. (Scheduled time approximately 25%)
• Assist Enterprise with additional duties as needed, training, and project work (Approximately 10%)

Qualifications

• Skilled communicator: Demonstrates ability to consistently deliver accurate, clear, and concise messages orally and/or in writing to effectively inform an audience; able to be an effective active listener, to get to the root of stakeholder needs without requiring lengthy explanations.
• Customer focus: Identifies customer requirements correctly, determines specific customer needs and acts proactively to ensure value-added solutions that exceed customer expectations.
• Interpersonal skills: Considers and responds appropriately to the needs and feelings of others with respect, fairness, and consistency allowing for effective interactions with all stakeholders.
• Adaptability and flexibility: Adapts to change, is open to new ideas, takes on new responsibilities, handles pressure, and adjusts plans to meet changing needs.
• Job knowledge: Strong knowledge of insurance rules and regulations and basic underwriting principles for acceptability or rejection of risk; knowledge of building and construction terminology and techniques, and construction rating classifications to determine property and liability exposures on inspection issues.
• Initiative: Effectively work independently. Completes tasks and assignments independently with minimal direction and assumes responsibilities when specific directions are lacking.
• Critical thinking and analytical abilities: Approaches a situation or problem by defining the problem or issue; determining its significance; collecting data; making inferences about the meaning of the data; and using logic and intuition to arrive at conclusions or decisions; evaluates and applies information provided on applications to underwriting guidelines and coverages.
• Problem solving: Gathers relevant data from several sources, arrives at effective solutions to issues and foresees problems before they arise.
• Time management: Prioritization skills to ensure timely responses to stakeholders.
• Computer skills: Proficiency with operating systems, email, word processing, and similar computer applications.

Requirements

• Bachelor’s degree or equivalent work experience.
• Three (3) years of underwriting experience in the insurance industry.

Preferred Education and Experience

• Associate in General Insurance (AINS) designation.
• Chartered Property Casualty Underwriter designation (CPCU), or demonstrated progress toward achieving the designation.
• Bilingual abilities; English, and Spanish or Asian languages (such as Mandarin or Vietnamese).

Physical Requirements

• This position requires the ability to sit, hear, converse over the telephone, and key frequently on a computer for long periods of time.
• This position may require some limited overnight travel to complete training programs, activities, and meetings.