Underwriter

Job Summary: 

This position reviews Citizens’ homeowners’ insurance applications from an underwriting perspective and determines eligibility of the property for homeowners’ coverage based on Citizens’ guidelines.

Essential Functions:

  • Review applications for insurance coverage, reports from loss control consultants, and other information to determine if application is acceptable for the program(s) available.
  • Review and complete at least 80 applications per day.
  • Evaluate the experience of a risk against the class of business under review.
  • Evaluate the loss potential due to catastrophe, severity, and/or frequency.
  • Utilize knowledge of automated systems to develop information for new or renewal policies.
  • Review requests for cancellation, endorsements, etc.
  • Request additional documentation necessary for the processing of an application, endorsement or cancellation.
  • Research and/or enter information into computer system.
  • Must be able to sit for extended periods of time and perform concentrated, high volumes of work.
  • Must be able to take direction and work well with others.
  • Must be able to work under the stress of deadlines.
  • Must be able to concentrate and perform accurately.
  • Must be able to react to change productively and to handle other tasks as assigned.
  • Must be able to lift/handle documents and materials, up to 20 lbs.
  • Must be able to come to work promptly and regularly.
  • Work overtime as requested.
  • Check current and previous rate policies for proper rating.
  • Perform other duties as may be assigned.
  • Present a professional and helpful appearance.

 Knowledge, Skills, and Abilities:

  • Must have knowledge of Florida Insurance Statutes and Florida Department of Insurance regulations and policies.
  • Active 2-20 or 4-40 license preferred.
  • Must have strong analytical skills with an attention to detail.
  • Must have excellent oral and written communication skills with the ability to compose correspondence.
  • Must have resourceful and controlled assertive behavior characteristics.
  • Ability to perform basic mathematical functions required for insurance rating, computation of ratios, percentages, fractions, etc.
  • Ability to work independently and to carry out assignments to completion within parameters of instructions given, prescribed routines and standard accepted practices.
  • Establish and maintain effective professional working relationships with co-workers, every level of management, vendors, and service providers.