Senior Commercial Underwriter

Position Overview: Reviews and underwrites applications, renewals, endorsement requests, reinstatements and rewrites to appropriately evaluate, classify, and rate individuals and groups for insurance. Responsible for achieving the established customer service, profitability and efficient operation corporate goals by performing the following duties. Essential Duties and Responsibilities: Maintains customer service levels, profitability and efficient operations as outlined by underwriting measurements. These levels will be measured utilizing underwriting audits, workload reports, and agent surveys. Under direction and within authority, reviews and underwrites applications, renewals, endorsement requests, reinstatements and rewrites on an account basis and properly communicates with agents and insureds and documents files and properly closes out work per file. Identifies and reviews accounts that may require underwriting changes to enable profitability and initiates policy non-renewals and/or cancellations as needed. Identifies and reviews accounts that may qualify for an Individual Risk Premium Modification (IRPM) credit or those accounts that require Underwriting review for an Individual Risk Premium Modification (IRPM) debit to be applied to assist in making an account profitable. Performs processing responsibilities, to extent necessary for underwriting and maintaining an above average productivity level and quality. Maintains current knowledge of underwriting work flow, procedures, and systems changes and initiates positive suggestions for more effective and/or more efficient ways to underwrite and service business. Participates in company meetings and educational opportunities. Assists Product Development and IS with development and testing of various products/projects as directed. Works with Directors in the modification of underwriting standards as needed and monitors loss ratio per line of business and recommends changes to improve it. Performs underwriting training and assists as directed with advanced training. Performs underwriting audits and other duties as directed by supervisor as needed.