| Job Description : |
Description:
Tower Hill Insurance Group has an exciting opportunity for a talented Underwriter, Personal Lines who enjoys intellectual challenges and is seeking a rewarding career with a company that is experiencing growth. Not only is Tower Hill Insurance one of Florida’s most trusted names in homeowners insurance, but it offers great opportunities for career advancement and personal growth, along with very competitive benefits and rewards. We are growing at a consistent pace and seek professional individuals with drive, team mentality, who want to make an impact, and are committed to a long-term career in the insurance industry.
SUMMARY:
The Personal Lines Underwriter is a key individual whose focus is customer service and building relationships with our Agents through telephone interactions and written communications. Primary duties include a balanced responsibility for underwriting new business and renewal policies, endorsements and helping to maintain a profitable in-force book of business based on Underwriting Guidelines. The position requires strong communication, time management and decision-making skills.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
Reviews insurance applications and endorsements to evaluate submissions information required to accept or reject new policies based on underwriting guidelines.
Assesses risk quality for in-force book of business through renewal review process to ensure compliance within company guidelines and initiates appropriate loss prevention actions.
Research and follow through with requests for missing information from agency partners.
Communicates daily with agents via telephone, internal diary and email to assist in risk placement and rating, to obtain information and answer agent inquiries.
Maintains a high level of customer service.
Communicates with field reps and other insurance or inspection companies to obtain information, answer inquiries, or explain company underwriting policies.
Develops and maintains effective business relationships with internal and external customers / coworkers including, Actuary, Marketing, IT and Claims in order to attract and retain profitable business.
Interprets and explains products and services.
Travel periodically to assigned field.
Ability to use independent judgment and initiative to support business goals.
Provide guidance and assistance to other team members.
Additional duties as assigned.
SUPERVISORY RESPONSIBILITIES:
This position has no supervisory responsibilities.
. Requirements:
QUALIFICATIONS:
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
REQUISITE SKILLS AND COMPETENCIES:
Strong organizational, time management and analytical skills are essential, along with the ability to handle priorities in a fast-paced work environment along with excellent attention to detail.
Ability to make independent and cognizant decisions.
Strong written and verbal communication skills to build and leverage excellent customer relationships.
Must be highly customer service oriented being able to communicate effectively in a fast-paced team environment.
High-level of motivation with willingness to take on challenges, and focus on personal responsibility.
Must have hands-on experience with various computer systems including but not limited to rating systems, MS Word and Excel, Outlook.
EDUCATION and/or EXPERIENCE :
Underwriter I – Bachelor’s degree (B. A.) from four-year college or university and 1 year or less industry experience; or 1 – 2 years industry experience and/or training; or equivalent combination of education and experience.
Underwriter II – Bachelor’s degree (B. A.) from four-year college or university and 2 years or less industry experience; or 2 – 4 years industry experience and/or training; or equivalent combination of education and experience.
Underwriter III – Bachelor’s degree (B. A.) from four-year college or university and 3 years or less industry experience; or 4 plus years industry experience and/or training; or equivalent combination of education and experience.
COMMUNICATION SKILLS:
The ability to gather and disseminate information to and from other departments is a critical element of this position. Qualified candidates must be able to display exceptional communication skills with respect to gathering, organizing, and communicating information to other departments including management.
LANGUAGE SKILLS:
Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from various departments and managers.
MATHEMATICAL SKILLS:
Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to work with mathematical concepts such as probability and statistical inference. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.
REASONING ABILITY:
Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
CERTIFICATES, LICENSES, REGISTRATIONS :
Insurance designations are desirable.
ADDITIONAL REQUIREMENTS:
To perform this job successfully, an individual should have working knowledge of internet/intranet software and the MS Office products including Word, Excel, and Access. Must have knowledge of computer equipment.
PHYSICAL DEMANDS:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to stand; walk; sit; use hands to finger, handle, or feel; reach with hands and arms; and talk or hear. The employee is occasionally required to climb or balance. The employee must frequently lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, and ability to adjust focus.
WORK ENVIRONMENT:
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The noise level in the work environment is usually moderate.
DISCLAIMER:
The above statements are intended to describe the general nature and level of work being performed by employees assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and skills required of employees assigned to this position
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