Commercial Underwriter I (West Coast) - National General
About the position
National General is a part of The Allstate Corporation, which means we have the same innovative drive that keeps us a step ahead of our customers' evolving needs. We offer home, auto, accident, and health insurance, as well as other specialty niche insurance products, through a large network of independent insurance agents, as well as directly to consumers. The Underwriting Consultant II actively participates on a team of underwriters with the responsibility of assessing risk and determining if the case is a good match for the company. This position is responsible for evaluating business placed in the Commercial product from an underwriting perspective to grow the Commercial Auto business profitably. The Underwriting Consultant II will evaluate exceptions and underwriting opportunities for non-fleet business and approve or decline submissions. This position will have the authority to evaluate risks and make underwriting decisions, with exposures outside of the authority being reviewed with Senior Underwriters or the Underwriting Manager prior to finalizing decisions. Essential duties include performing risk reviews and upfront underwriting reviews to determine risk acceptability for new business, renewals, endorsements, and reinstatements. The Underwriting Consultant II will make decisions on risk acceptability, serve as a point of contact for Customer Service and Backoffice teams, and implement agreed-upon underwriting procedures to achieve growth and profit objectives. Involvement with underwriting of new business and renewals will also be part of the role, including providing input into product decisions and procedures. Additionally, the consultant will develop and analyze both internal and external data for assigned business segments to direct pricing, underwriting, and sales decisions, and analyze the quality of assigned books of business through agent and profile reviews, audits, and ongoing communication with Product Managers and Sales.
Responsibilities
Perform risk reviews and upfront underwriting reviews to determine risk acceptability (new business, renewals, endorsements, and reinstatements)
,
Make decisions on risk acceptability
,
Serve as point of contact for Customer Service and Backoffice teams
,
Implement agreed upon underwriting procedures to achieve growth and profit objectives
,
Involvement with underwriting of new business and renewals, including providing some input into product decisions and procedures
,
Implement procedures and guidelines for Commercial Vehicle and make recommendations to Underwriting Manager for changes that will enhance our current book of business and automation of the Commercial Auto product
,
Develop and analyze both internal and external data for assigned business segment(s) and line(s) of business in order to direct pricing, underwriting, and sales decisions
,
Analyze the quality of assigned books of business through agent and profile reviews, audits, and ongoing communication with Product Managers and Sales to determine actions needed for agent rehabilitation
,
Serve as a contact for Commercial Vehicle agents
,
Develop knowledge of state laws and regulations applicable to the underwriting of commercial vehicles and act as a subject matter expert for both agents and customer service.
Requirements
Bachelor's Degree or in-lieu of degree equivalent education, training and work-related experience
,
6+ months of commercial underwriting experience
,
Ability to establish and maintain agency relationships, identify profitable opportunities, and assist in leveraging business opportunities for other divisions
,
Professional phone etiquette and interpersonal skills
,
Effective leadership and diplomacy skills
,
Proficient in Microsoft Office (Word, Excel, Outlook, PowerPoint)
,
Effective verbal and written communication skills
,
Negotiation and sales skills
,
Strong attention to detail, organizational skills, and timeliness in order to meet customer service expectations
,
Ability to work in a fast-paced environment meeting aggressive business deadlines
,
Ability and desire to learn and effectively use computer-based underwriting systems to manage workflow.
Nice-to-haves
Bachelor's Degree in a Business related field
,
1+ years insurance underwriting experience in Commercial lines
,
Willingness to pursue Insurance professional designations such as IIC, CPCU, AU, and/or ARM
,
Thorough knowledge of the Policy Processing systems
,
Ability to effectively prioritize
,
Multi-tasking abilities
,
In-depth business knowledge
,
Effective problem-solving skills
,
Ability to cultivate cross-functional relationships.
Benefits
Flexible work environment
,
Opportunities for professional development
,
Diversity and inclusion initiatives
,
Health insurance coverage
,
401k retirement plan
,
Paid time off and holidays
Apply Now
National General is a part of The Allstate Corporation, which means we have the same innovative drive that keeps us a step ahead of our customers' evolving needs. We offer home, auto, accident, and health insurance, as well as other specialty niche insurance products, through a large network of independent insurance agents, as well as directly to consumers. The Underwriting Consultant II actively participates on a team of underwriters with the responsibility of assessing risk and determining if the case is a good match for the company. This position is responsible for evaluating business placed in the Commercial product from an underwriting perspective to grow the Commercial Auto business profitably. The Underwriting Consultant II will evaluate exceptions and underwriting opportunities for non-fleet business and approve or decline submissions. This position will have the authority to evaluate risks and make underwriting decisions, with exposures outside of the authority being reviewed with Senior Underwriters or the Underwriting Manager prior to finalizing decisions. Essential duties include performing risk reviews and upfront underwriting reviews to determine risk acceptability for new business, renewals, endorsements, and reinstatements. The Underwriting Consultant II will make decisions on risk acceptability, serve as a point of contact for Customer Service and Backoffice teams, and implement agreed-upon underwriting procedures to achieve growth and profit objectives. Involvement with underwriting of new business and renewals will also be part of the role, including providing input into product decisions and procedures. Additionally, the consultant will develop and analyze both internal and external data for assigned business segments to direct pricing, underwriting, and sales decisions, and analyze the quality of assigned books of business through agent and profile reviews, audits, and ongoing communication with Product Managers and Sales.
Responsibilities
Perform risk reviews and upfront underwriting reviews to determine risk acceptability (new business, renewals, endorsements, and reinstatements)
,
Make decisions on risk acceptability
,
Serve as point of contact for Customer Service and Backoffice teams
,
Implement agreed upon underwriting procedures to achieve growth and profit objectives
,
Involvement with underwriting of new business and renewals, including providing some input into product decisions and procedures
,
Implement procedures and guidelines for Commercial Vehicle and make recommendations to Underwriting Manager for changes that will enhance our current book of business and automation of the Commercial Auto product
,
Develop and analyze both internal and external data for assigned business segment(s) and line(s) of business in order to direct pricing, underwriting, and sales decisions
,
Analyze the quality of assigned books of business through agent and profile reviews, audits, and ongoing communication with Product Managers and Sales to determine actions needed for agent rehabilitation
,
Serve as a contact for Commercial Vehicle agents
,
Develop knowledge of state laws and regulations applicable to the underwriting of commercial vehicles and act as a subject matter expert for both agents and customer service.
Requirements
Bachelor's Degree or in-lieu of degree equivalent education, training and work-related experience
,
6+ months of commercial underwriting experience
,
Ability to establish and maintain agency relationships, identify profitable opportunities, and assist in leveraging business opportunities for other divisions
,
Professional phone etiquette and interpersonal skills
,
Effective leadership and diplomacy skills
,
Proficient in Microsoft Office (Word, Excel, Outlook, PowerPoint)
,
Effective verbal and written communication skills
,
Negotiation and sales skills
,
Strong attention to detail, organizational skills, and timeliness in order to meet customer service expectations
,
Ability to work in a fast-paced environment meeting aggressive business deadlines
,
Ability and desire to learn and effectively use computer-based underwriting systems to manage workflow.
Nice-to-haves
Bachelor's Degree in a Business related field
,
1+ years insurance underwriting experience in Commercial lines
,
Willingness to pursue Insurance professional designations such as IIC, CPCU, AU, and/or ARM
,
Thorough knowledge of the Policy Processing systems
,
Ability to effectively prioritize
,
Multi-tasking abilities
,
In-depth business knowledge
,
Effective problem-solving skills
,
Ability to cultivate cross-functional relationships.
Benefits
Flexible work environment
,
Opportunities for professional development
,
Diversity and inclusion initiatives
,
Health insurance coverage
,
401k retirement plan
,
Paid time off and holidays
Apply Now