Associate Underwriter Resume Sample
Adolph Romaguera
89976 Doyle Street,
Houston,
TX
+1 (555) 628 3372
Work Experience
Associate Underwriter
07/2015
-
PRESENT
Philadelphia, PA
- Develop and maintain positive and constructive working relationships with the company’s marketing professionals and their production sources in order to attract and retain clients
- Prior experience with private banking lending
- Familiarity with, and understanding of, credit underwriting/approval methodologies and their use
- Under direct supervision, analyzes data related to suitability for Direct to Consumer Life cases, in order to mitigate financial and compliance risk to the company
- Under direct supervision, communicates with applicants concerning outstanding requirements and procedures
- Analyze and verify comparison statements for internal replacements, determine if case is suitable, correspond with applicants regarding the replacement requirements and process replacement case. Review industry publications and stays abreast of Federal, State and business regulations governing Life Insurance products
- Working knowledge of our DTC Life Underwriting processes
Associate, Underwriter
11/2012
-
03/2015
Houston, TX
- Analyzes data related to the risk being underwritten for small new business cases, in order to mitigate financial risk to the company
- Communicates with sales, brokers, and/or other sources concerning underwriting requirements and procedures
- Evaluates renewal business and other rate and risk bearing analysis for inforce groups
- Maintains current knowledge of underwriting guidelines, pricing guidelines and product knowledge
- Consistently meets or exceeds quality of work and time service expectations
- Reviews industry publications and stays abreast of Federal, State and business regulations governing group insurance products
- Maintain composure, negotiate and resolve conflicts
- Make quality decisions and justify the decisions with sound and logical reasoning
- Commitment to active self-development and proactive technical learning
Entry Level Associate Underwriter
08/2006
-
08/2012
Philadelphia, PA
- Travel to the field to visit the group offices, attend broker events, for training purposes, or other industry functions (conferences etc.)
- Promote a favorable image of the Company to potential and existing clients
- Contribute to efficient loan processing and closing by maintaining a thorough understanding of the Company’s guidelines and procedures, compliance requirements, and federal and state laws and regulations
- Perform in-depth review and complex credit analysis
- Promptly report to the Credit Manager or Senior Management any adverse events or information that would have a material effect on the lending operation or any event or situation that could be a conflict of interest
- Contribute to loan decision by providing independent analysis, making process and maintenance of portfolio credit quality by providing in-depth credit analysis of loan applications
- Prepare a Credit Approval Memo to recommend a loan request that presents the following information
Education
Southwest Minnesota State University
2001 - 2005
Bachelor's Degree in Finance
Professional Skills
- Demonstrates excellent verbal and written skills, interpersonal skills, and analytical and problem solving skills
- Excellent oral and written communication skills. Strong negotiation skills
- Strong interpersonal skills and ability to form strong client relationships
- Excellent analytical and computer skills, with a demonstrated ability to use data analytics and make appropriate conclusions based upon results
- Strong prioritization skills to meet daily demand and deadlines to meet all service requirements
- Developing strong computer skills including internet knowledge
- Detail orientation and strong analytical skills: Think critically, clearly and independently to assess risk and pricing
How to write Associate Underwriter Resume
Associate Underwriter role is responsible for interpersonal, microsoft, analytical, insurance, underwriting, excel, basic, negotiation, word, research.
To write great resume for associate underwriter job, your resume must include:
- Your contact information
- Work experience
- Education
- Skill listing
Contact Information For Associate Underwriter Resume
The section contact information is important in your associate underwriter resume. The recruiter has to be able to contact you ASAP if they like to offer you the job. This is why you need to provide your:
- First and last name
- Telephone number
Work Experience in Your Associate Underwriter Resume
The section work experience is an essential part of your associate underwriter resume. It’s the one thing the recruiter really cares about and pays the most attention to.
This section, however, is not just a list of your previous associate underwriter responsibilities. It's meant to present you as a wholesome candidate by showcasing your relevant accomplishments and should be tailored specifically to the particular associate underwriter position you're applying to.
The work experience section should be the detailed summary of your latest 3 or 4 positions.
Representative Associate Underwriter resume experience can include:
- Professional level experience utilizing technical expertise and/or a solid knowledge base and skills set to process significantly important work with minimal experience
- Strong interpersonal skills and ability to work independently in a collaborative environment, as well as being a team player
- Strong understanding of basic sales principles and negotiation skills
- Demonstrated strong attention to detail as well as ability to independently multi-task and prioritize daily work
- Superior verbal and written communication skills needed and good client interaction abilities
- Strong insurance systems and PC software skills (ImageRight, Microsoft Office suite (Word, Excel, Access, Adobe, Power Point)
Education on an Associate Underwriter Resume
Make sure to make education a priority on your associate underwriter resume. If you’ve been working for a few years and have a few solid positions to show, put your education after your associate underwriter experience. For example, if you have a Ph.D in Neuroscience and a Master's in the same sphere, just list your Ph.D. Besides the doctorate, Master’s degrees go next, followed by Bachelor’s and finally, Associate’s degree.
Additional details to include:
- School you graduated from
- Major/ minor
- Year of graduation
- Location of school
These are the four additional pieces of information you should mention when listing your education on your resume.
Professional Skills in Associate Underwriter Resume
When listing skills on your associate underwriter resume, remember always to be honest about your level of ability. Include the Skills section after experience.
Present the most important skills in your resume, there's a list of typical associate underwriter skills:
- Excellent written and verbal communication with strong influencing skills
- Good problem-solving, organizational, and negotiation skills required
- Work management skills including the ability to multi-task, prioritize, and manage time and workload to meet deadlines
- Strong phone and people skills
- Strong computer skills and knowledge of IT systems and packages such as Word, Excel and Access Microsoft Products
- Responsive with strong communications skills – both written and oral
List of Typical Experience For an Associate Underwriter Resume
1
Experience For Associate, Underwriter Resume
- Strong math, communication, negotiation and analytical skills
- Effective communication skills – written, verbal and presentation abilities
- A track record of effectively leading, developing credit strategies
- Management experience and/or training; or equivalent combination of education and experience
- Adapt to changing priorities as quotes come in from different markets and adapt to new priorities and requirements
- Proficient in Microsoft Office, specifically with Word, Excel, PowerPoint and related computer skills
- Related experience Property and Casualty Experience
- Builds skills to make underwriting decisions and maintain proper file documentation
2
Experience For Entry Level Associate Underwriter Resume
- Insurance and/or Underwriting experience
- Efficiently organize and prioritize day to day routine tasks utilizing offshore resources to assist in more clerical tasks
- Property and casualty insurance experience
- Participate on teams, which develop and coordinate the implementation of new procedures, to enhance the effectiveness of customer service operations
- Related Property & Casualty experience, in an insurance agency or company office
- Assess daily workflow and determine daily priorities working with a team of underwriters to ensure the most efficient use of time
- Related Property & Casualty experience
- Strong computer aptitude and the ability to utilize various databases/software
3
Experience For Crop-associate Underwriter Resume
- Knowledge of and experience with insurance brokers
- Property and casualty insurance experience
- Preparing correspondence as it relates back to title reports/commitments
- Providing world-class service to all internal and external clients
- Working knowledge of personal lines insurance
- Analyzing coverage and limit requests and deciding what terms to offer
- Pricing business in accordance with company guidelines
- Monitoring credit and political risk exposures to companies, governments and countries throughout world
- Assisting Underwriters with claims matters
4
Experience For Associate Underwriter Loan Services Resume
- Participating in broker and client meetings
- Participating fully with the other trainees on any group/team activities, as assigned by the training manager
- Assessing new business development opportunities
- Working with Sales and the program integration team to convert business opportunities into new Vendor program structures within credit appetite parameters
- Monitoring of new programs to ensure the transactions and structure are as approved
- Marketing aptitude – knowledge of company programs and products and ability to sell them
- Prepare selected accounts for renewal, beginning with triage process, solicitation, underwriting, pricing, binding, issuing, and file documentation
- Become the carrier of choice by communicating, publicizing, and providing training to agents and their staff on new products and programs
5
Experience For Associate Underwriter, Advisory Resume
- Answer customer/agent questions regarding coverage availability, terms, and pricing based upon established underwriting guidelines
- Follow up service work on retained renewals, including evaluation of underlying policies, forms, and pricing
- Underwrite renewal business according to current underwriting approach and philosophy in a service oriented environment, ensuring high renewal retention
- Accountable for underwriting and processing new applications and renewals within authority limits
- Determine coverage eligibility and pricing based upon established underwriting guidelines
- Order claims quote from Ralph on bundled or GC deals to make sure we are getting enough claims $’s in our pricing
- Assist Credit Manager with training of Loan Analysts and Credit Officers. Assist cross department training of loan officers and sales employees
6
Experience For Associate Underwriter / Underwriter Resume
- Knowledge of state and federal legislation governing underwriting practices
- Provides underwriting support to company personnel, agents, and customer(s), related to the issuance of real estate title insurance commitments and policies
- Work directly with agents to obtain required underwriting information and resolve any problems or issues
- Influence sales team towards the appropriate pricing and structure of each quote
- Negotiate and placing reinsurance
- Client underwriting and production meetings
7
Experience For Senior Associate Underwriter Resume
- Make decisions according to rules, regulations and procedures
- Follow-up on recorded documents and policies using offshore as needed
- Work with underwriter on clearing Trial Balance regularly
- Analyze new business for risk profitability as determined by a review of underwriting, claims and financial data
- Develop and maintain positive business relationships with producers including solicitation of new business opportunities
8
Experience For Associate Underwriter Toronto Resume
- Assist in the development and coordination of product and marketing efforts
- Calculates rates, employs different financial arrangements, interprets pricing policy and adapts to unusual situations
- Risk analysis and pricing
- Basic knowledge of insurance industry and underwriting processes
- Seasoned knowledge of Life underwriting principles
- Occasional travel, including overnight or extended trips, is required
- Diplomacy in dealing with associates
- General knowledge of technical underwriting
9
Experience For Associate Underwriter Life & Disability Resume
- Assignments are routine in nature and instructions are more detailed
- Has minimal latitude for un- reviewed action or decision
- Compute rates for both employer group account renewals and new business consistent with corporate enrollment and financial goals. Provide recommendations for rate adjustments for alternative benefits designs
- Educate internal business areas on underwriting concepts and techniques. Provide support to sales during employer group negotiation processes
- Research underwriting techniques, trends, and environment to ensure organization adopt best practices
- Evaluate overall employer group performance in relation to industry trends
- Monitor rate action adjustments and industry benchmark information. Prepare reports and analyses as requested
- Under direct supervision, analyze information on insurance applications and related claims history. Decision the application as accept or decline based on analysis and current underwriting guidelines in order to mitigate financial risk to the company
- Strong sense of teamwork and ability to work collaboratively with peers and other business associates
10
Experience For Associate Underwriter, Livestock Resume
- Demonstrated ability to collaborate and act decisively
- Working knowledge of Microsoft Office suite of programs and the ability to learn new applications
- Current working knowledge of DTC Health Underwriting processes
- Under direct supervision, communicates with brokers, agencies, and/or other sources concerning outstanding requirements and procedures
- Acquires a general understanding of pricing mechanisms and structures
- Becomes proficient with software, information systems and other underwriting tools and processes
- Utilizes technology as needed
List of Typical Skills For an Associate Underwriter Resume
1
Skills For Associate, Underwriter Resume
- Strong oral and written communication skills with the ability to provide concise and cogent reports, referrals and summaries to senior management
- Managing multiple priorities while continuing to achieve strong rapport with clients
- Commercial / Corporate banking/lending experience including extensive credit, structuring and marketing experience
- Typically proven experience in Underwriting, including identifying and developing new business opportunities
- Previous work experience in an analytical role, credit, leasing or banking equivalent experience
2
Skills For Entry Level Associate Underwriter Resume
- Exercise good judgment, problem solving, independent thinking and strong analytical abilities
- Qualifications 1 year experience working in an insurance environment or strong financial/mathematical background required
- Apply concepts of basic algebra and geometry. Sound financial analysis skills
- Proven ability to work on a team or operate independently
- Interpersonal skills to establish and maintain business relationships
- Independent judgment and problem resolution skills
- Verbal and written communication skills to include correct grammar, word choice, precision, conciseness, structure, audience appropriate tone and language
- Strong ability to plan and prioritize own work
3
Skills For Crop-associate Underwriter Resume
- Function effectively in team environment
- Work effectively in a self-directed, team-based environment
- Team oriented and ability to work effectively with peers
- Demonstrated solid understanding of both top-line and bottom-line objectives and is able to manage both
- Effectively assess risk. Ability to multi-task
- Applying knowledge and judgment to detailed loan analysis in order to offer effective underwriting alternatives to clients
4
Skills For Associate Underwriter Loan Services Resume
- Experience in researching and accurately resolving technical subject matter while working under pressure and within time constraints
- Assist underwriting staff with population of manual rating and experience rating models to support both new and renewal quotes
- Two to three years’ insurance experience in rating or underwriting assistant role in commercial lines
- Experience in Finance, Underwriting or Accounting
- A good understanding of underwriting concepts and local business practices
- Experience and working knowledge of the DTC Health Underwriting processes
- Insurance experience in rating or underwriting assistant role
5
Skills For Associate Underwriter, Advisory Resume
- Experience working within the UR regulatory environment with an understanding of US Compliance
- Support a team of underwriters by entering terms, census, benefits, and experience information into a quoting system accurately and in a timely fashion
- Learn the basic concepts of experience rating versus manual rating
- Minimal underwriting operations, claims, risk management or premium audit experience
- Commercial insurance underwriting or service experience
- Experience working within a deadline driven environment
- Experience with personal lines insurance underwriting; insurance coursework
6
Skills For Associate Underwriter / Underwriter Resume
- Gains an understanding / experience with customer/producer relationships
- Manage several simultaneous priorities
- Related experience in insurance office
- Proven knowledge of QDIP and lean methodologies/initiatives
- Academic or professional experience in credit and macroeconomic analysis preferable
- Demonstrated success in college, if applicable
- Demonstrates initiative/confidence and is decisive
- Maintain excellent relations with brokers and provide superior service
7
Skills For Senior Associate Underwriter Resume
- Relevant experience
- Relevant insurance industry experience
- Relevant, progressive experience in the area of specialization
- Demonstrated leadership and coaching
- Demonstrated knowledge of the Living Benefits industry and market trends
- Demonstrated consistency in performance over a sustained period of time
- Learns to interpret customer experience data as well as relevant financial data
- Creating and proofreading of title policies, invoicing, revisions to our commitment and performance using company software and survey readings
8
Skills For Associate Underwriter Toronto Resume
- Assisting our Senior underwriters to identify and present critical issues relating to the credit risk of an entity in determining its annual eligibility
- Applying underwriting rules and guidelines, rating manual rules and insurance laws and regulations
- Generating insurance quotes, binders and maintaining underwriting files
- Interpreting, explaining and marketing products and services
- Developing understanding and knowledge of various internal departments and external stakeholder interacts
- Learning investor guidelines and lending policies, as well as required documentation, policies, and procedures of United Shore
- Assisting our Senior underwriters to undertake underwriting risk assessments
- Learning the art of underwriting and how to mitigate risks appropriately
9
Skills For Associate Underwriter Life & Disability Resume
- Assessing risk quality and compliance within company guidelines and initiating appropriate loss prevention actions
- Speaking and meeting with brokers to sell & negotiate insurance terms and conditions
- Developing business and marketing plans for the region
- Evaluating risks, analyzing financials for different classes of business
- Speaking and meeting with brokers to negotiate insurance terms and conditions
- Marketing in the South Central and Gulf Coast Regions including the states of TX, NM, OK, AR, KS, MS, LA, AL, TN and panhandle of FL
- Developing business and marketing plans for the regions
- Marketing in the Southeast territory including the states of FL, GA, TN, NC and SC. Both local and overnight
10
Skills For Associate Underwriter, Livestock Resume
- Marketing in the Midwest territory including the states of IL, MI, MN, WI, MO, IN, IA, KY, and OH. Both local and overnight
- Marketing in the Middle Atlantic territory including the states of NJ, NY, PA, DE, MD, & VA. Travel both local and overnight
- Gathering information and completing tasks to support the underwriters
- Networking with brokers/clients in the Singapore market and assisting with business development
- Assisting with initial due diligence and making recommendations for the program agreement approval
- Communicating to the credit underwriting teams on new program structures
List of Typical Responsibilities For an Associate Underwriter Resume
1
Responsibilities For Associate, Underwriter Resume
- Show support for the achievement of the GSI Underwriting Team’s appropriate top-line growth, achievement of target profit level and achievement of targeted persistency levels
- Strong organizational skills. Ability to follow policies and procedures. Attention to detail and accuracy
- Outgoing, driven, high attention to detail and results focused mentality
- Analyzes the Request for Proposal to offer the most appropriate plan design and for retrieving missing data
- Analyzes pricing recommendation to determine whether pricing meets profitability standards and / or goals
- Support the execution of timely and efficient A&H underwriting activities by following established guidelines and rules within assigned level of authority
- Serve as the primary point of contact for borrowers and be present for all kick off calls, status updates, and closing calls
- Provides assistance to Underwriting Team with review of new business submissions and set up of census and proposal generation system
2
Responsibilities For Entry Level Associate Underwriter Resume
- Provides pricing, risk and plan design approvals for cases with up to 20 lives
- Provides pricing and plan design authority for cases with a total annualized premium of $150,000 or less
- Provide overall support to the underwriting process
- Knowledge of insurance sales/distribution process
- Support and partner with Senior Underwriters through a variety of services that include account coordination, report ordering, data collection and information follow-up
3
Responsibilities For Crop-associate Underwriter Resume
- Maintain the highest level of accuracy, documentation and efficiency on all accounts
- Accurately e-file all related correspondence and approvals
- Review and approve relevant due diligence material
- Articulate issues and possible solutions
- Complete and finalize narrative and model
4
Responsibilities For Associate Underwriter Loan Services Resume
- Prepare waiver requests/exceptions and justifications
- Present deal to Loan Committee with input from other team members
- Ensure Loan Connect data integrity
- Work independently and successfully with others in a fast paced environment
- Travel to inspect properties as well as attend industry meetings, conferences, etc
- Develop and recommend appropriate credit structures relative to the risk assessment
5
Responsibilities For Associate Underwriter, Advisory Resume
- Possesses knowledge of time management
- Works with sales offices to ensure cases are rated appropriately prior to approval. Underwrites new business quotes by analyzing financial and plan design information to decide whether to accept risk and at what premium level
- Underwrites renewals by reviewing current plan’s premium history, claims history, and company financial condition to determine appropriate renewal action
- Assists in the implementation process by verifying quoted plan design information
- Interpret claim reports to properly determine rating action; analyze statistical reports to understand customer block characteristics
6
Responsibilities For Associate Underwriter / Underwriter Resume
- Prices and offers plan changes and responds to broker and customer inquiries. Manages portfolio of low-level complexity
- Updates databases with quote and sales information to track results
- Meets or exceeds specified metrics for completion of new business quotes and renewals
- Apply underwriting judgment in order to review, evaluate and price crop insurance policies along with adhering to company policy, state and federal regulations within established authority
- Process new and renewal medical business opportunities
- Uses pertinent data and facts to identify and solve a range of problems
- Investigates non - standard requests and problems with some assistance from others
- Provides explanations and information to customers on topics within area of expertise
7
Responsibilities For Senior Associate Underwriter Resume
- Understand and apply appropriate mathematical formulas to determine rates, assess risk and financial impact
- Assist team with streamlined underwriting processes by preparing and inputting quotes, entering census information, documenting and organizing assigned quotes, follow-up with producers, plan changes, and review of amendments and plan exceptions
- Underwrite and process mid-term adjustment requests, answer coverage related questions, price indications, and resolve billing issues
- Provide technical support to our regional underwriting teams
- Review, classify, evaluate, and price standard lines insurance within an established level of authority as a means to achieve department results
- Build relationships with internal and external customers by gathering inquiries, researching issues, escalating problems as required to ensure understanding of A&H processes and procedures
8
Responsibilities For Associate Underwriter Toronto Resume
- Collaborate with key stakeholders by sharing information, recommending solutions to basic underwriting issues to transfer knowledge and support the achievement of business objectives
- Administers and monitors underwriting rules and guidelines, rating manual rules and insurance laws and regulations. Reviews, documents and underwrites new and renewal policy transactions within written authority
- Proofs policy information on an assigned territory
- Works closely with Underwriter to manage a book of business as a team
- Develops and maintains effective business relationships with internal and external customers/coworkers in order to attract and retain profitable business. Develops, relationships with agents and brokers through telephone interactions
- Miscellaneous items including importing motor vehicle reports to policy to determine if risk still eligible based on data received, processing requests from other departments/clients, first level review to ensure home inspection is available for underwriter
- Based on roadmap, determine whom to refer questions needed for policy information including rechecking policies, processing paperwork, referrals from other departments, etc
- Work independently as well as part of a team. Ability to readily adapt to change
- Prepares coverage binders, premium and fee billings for policies
9
Responsibilities For Associate Underwriter Life & Disability Resume
- Communicates with carriers, agents and insureds, as well as loss control and claims employees
- Provide support for group agents via phone calls, emails, and faxed requests
- Receive, research, document, and resolve all customer inquiries/requests with accuracy and professionalism to ensure profitability and customer satisfaction
- Work with independent agents to review and gather needed information for new business submissions and renewal reviews. Work with agents and direct customer to evaluate policy change requests to insure underwriting has complete and accurate information to review
- Become an expert on the client's online application; walk agents through the steps required to complete an application online
- Monitor product results and develop ideas to increase productivity and profitability
- Work as part of a larger facultative and treaty team in the Miami office
- Willingness to work on other projects as required
10
Responsibilities For Associate Underwriter, Livestock Resume
- Responsible for a book of business of renewing accounts, or assigned volume of new applications or RFP’s. Utilizes various systems and tools to obtain necessary data and accurately complete and track assigned work
- Recommends appropriate adaptation of policies/guidelines to accommodate client specific or individual situations
- Analyzes member risk and engages internal departments to manage this risk
- In-house position in Gainesville, GA
- Ordering and screening miscellaneous reports needed in the rating and underwriting processes, such as loss history reports, credit checks, outside inspections, loss control, etc
- Providing guidance and assistance to Service Associates
- Calculate rates, employs different financial arrangements, interprets pricing policy and adapts to unusual situations
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