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Senior underwriter skills for your resume and career

Updated January 8, 2025
4 min read
Quoted experts
Janet Ruiz,
Robert Hoyt, Ph.D.
Senior underwriter example skills
Below we've compiled a list of the most critical senior underwriter skills. We ranked the top skills for senior underwriters based on the percentage of resumes they appeared on. For example, 11.1% of senior underwriter resumes contained customer service as a skill. Continue reading to find out what skills a senior underwriter needs to be successful in the workplace.

15 senior underwriter skills for your resume and career

1. Customer Service

Customer service is the process of offering assistance to all the current and potential customers -- answering questions, fixing problems, and providing excellent service. The main goal of customer service is to build a strong relationship with the customers so that they keep coming back for more business.

Here's how senior underwriters use customer service:
  • Possessed superior customer service skills with internal staff and external customers to explain credit decisions and offered alternative options when needed.
  • Provide exemplary customer service to both internal staff and external customer by explaining credit decision and offering alternative options when needed.

2. Portfolio

Here's how senior underwriters use portfolio:
  • Leveraged knowledge of credit scoring and layering of risk to create tailored solutions while maintaining portfolio quality and processing productivity.
  • Transferred Public Finance and Not-For-Profit portfolio to from Baltimore to Philadelphia due to corporate restructuring and larger portfolio growth opportunities.

3. Underwriting Guidelines

Underwriting guidelines are a set of rules and requirements an insurer provides to its agents and underwriters. The underwriter then uses these instructions to judge the prospective insured, whether to accept, modify or reject it. These guidelines help the insurers set the criteria for the customer and let them know the amount of money that should be offered to the client, or whether not to offer an insurance policy in the first place.

Here's how senior underwriters use underwriting guidelines:
  • Participated in Agent Service Seminars throughout the Southern Region providing detailed information on new or updated underwriting guidelines and state statues.
  • Analyzed and evaluated renewals using underwriting guidelines, authority limits and renewal strategies with the primary focus on retaining profitable businesses.

4. Strong Analytical

Here's how senior underwriters use strong analytical:
  • Utilized strong analytical skills including financial analysis.
  • Developed strong analytical and problem-solving skills with the ability to synthesize large amounts of financial and other risk data.

5. SR

Here's how senior underwriters use sr:
  • Maximized seller quality performance and underwriting performance as a Lead Sr Underwriter.
  • Presented Sr. Management monthly market updates using excel and PowerPoint presentations.

6. Excellent Interpersonal

Here's how senior underwriters use excellent interpersonal:
  • Maintain excellent interpersonal relations with Mortgage Counselors.
  • Possess excellent interpersonal, analytical, and organizational skills.

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7. Loan Products

Here's how senior underwriters use loan products:
  • Maintain familiarity with loan products/fees (Chase/investor), rates and regulatory guidelines to comply with established and regulatory procedures.
  • Assisted secondary marketing department with research and development new loan products.

8. Renewal Business

Renewal business deals with pricing, underwriting, and negotiating of endorsements, and renewals, within the appointed authority. The main focus is on assisting key business including account growth and retention.

Here's how senior underwriters use renewal business:
  • Provided guidance to underwriter associates in the preparation and screening of new and renewal business in excess of individual authority levels.
  • Populated new business and renewal business tracking system results into internal systems which were monitored frequently by upper management.

9. Strong Negotiation

Here's how senior underwriters use strong negotiation:
  • Performed management skills and strong negotiation skills on a daily basis.
  • Required strong negotiation skills and ability to prioritize work load.

10. Excellent Organizational

Here's how senior underwriters use excellent organizational:
  • Utilized excellent organizational skills to properly determine premium factors and provide quality service to large accounts.
  • Operated collaboratively across multi-functional teams, ability to manage multiple deadlines in a fast-paced and changing environment with excellent organizational skills.

11. Financial Statements

A financial statement is a report of an individual or a company that includes all the information about the declared assets, the use of money, income, and also the contribution of shareholders over a certain period.

Here's how senior underwriters use financial statements:
  • Performed underwriting department policy services including reviewing applications, endorsements, letters, financial statements, and policy language for interpretation.
  • Analyzed financial statements, credit history and related experience of borrowers, general contractors, developers, and property management companies.

12. Financial Analysis

Here's how senior underwriters use financial analysis:
  • Developed skills in financial analysis and underwriting under the tutelage of senior vice president.
  • Prepared and evaluated financial analysis of renewals for Account Managers.

13. FHA

The Federal Housing Administration (FHA) stands for a government agency in the United States that offers housing insurance to FHA-approved lenders who follow certain conditions.

Here's how senior underwriters use fha:
  • Perform detailed review of appraisal for one-to-four family residential properties to determine acceptability of security for conventional and FHA loans.
  • Performed underwriter approval/declines on FHA, VA, FmHA and conventional loan applications providing financing for one-to-four family residential properties.

14. Va

Virtual assistants are the professionals who provide assistance for businesses virtually from remote areas. These individuals are hired by online businesses to perform management and administrative tasks of the company such as marketing, bookkeeping, and many other services. with virtual assistants, businesses can exist and work virtually without any need for a physical office.

Here's how senior underwriters use va:
  • Utilized DE certification, VA certification authority
  • Underwrite credit and collateral to ensure compliance with investor, FHA, VA, FNMA, FHLMC and USDA requirements.

15. Loss Ratio

Loss ratio is a term used in the insurance industry to represent the ratio of losses to earned premiums. The formula stands for adjustment expenses plus insurance claims divided by the total premiums.

Here's how senior underwriters use loss ratio:
  • Monitored and recommended renewal strategy for accounts on monthly loss ratio exception reports.
  • Assist field marketing with agency book management including monitoring loss ratios.
top-skills

What skills help Senior Underwriters find jobs?

Tell us what job you are looking for, we’ll show you what skills employers want.

What type of skills will young senior underwriters need?

Janet RuizJanet Ruiz LinkedIn profile

Director – Strategic Communication, Insurance Information Institute

The mathematical mind, meet the meaningful purpose (Liberty Mutual). Underwriters are the heart of the insurance process, gathering and researching pertinent information and then, using finely tuned analytical skills to evaluate the acceptability of business and institutional risk. Underwriters are more than just analysts - they are the core relationship builders with agents and clients. They are responsible for managing a profitable portfolio of business by distributing agents and brokers. An underwriting career includes a dynamic blend of analytical and marketing skills. Research, Analytics, Communications, Relationship Building, Marketing.

What technical skills for a senior underwriter stand out to employers?

Robert Hoyt, Ph.D.Robert Hoyt, Ph.D. LinkedIn profile

Department Head and Dudley L. Moore Jr. Chair of Insurance, University of Georgia

The ability to collect information, work with data, and translate this into insights and knowledge is key in insurance going forward. An important focus in our classes is helping students apply what they are learning to real business situations through projects that are often carried out in teams. The growth of digital strategies in insurance means that emerging graduates are excited by and embrace the use and application of such approaches. However, the ability to engage with people to assist them in managing their personal or business risks is what matters most in this business. At the end of the day, building relationships and trust are the key in insurance.
Do you want to know more?
Read more about what experts have to say about senior underwriter

List of senior underwriter skills to add to your resume

Senior underwriter skills

The most important skills for a senior underwriter resume and required skills for a senior underwriter to have include:

  • Customer Service
  • Portfolio
  • Underwriting Guidelines
  • Strong Analytical
  • SR
  • Excellent Interpersonal
  • Loan Products
  • Renewal Business
  • Strong Negotiation
  • Excellent Organizational
  • Financial Statements
  • Financial Analysis
  • FHA
  • Va
  • Loss Ratio
  • Underwriting Process
  • Income Documentation
  • Underwriting Authority
  • Due Diligence
  • Credit Reports
  • Underwriting Decisions
  • Risk Analysis
  • Origination
  • Business Tax Returns
  • Loan Documentation
  • Cash Flow Analysis
  • Credit Analysis
  • Loan Applications
  • Loan Approval
  • Appraisal Review
  • Commercial Property
  • Investor Guidelines
  • Credit Risk
  • Credit Worthiness
  • USDA
  • Fannie MAE
  • Cash Flow
  • Credit Decisions
  • Financial Strength
  • Loan Processors
  • Automated Underwriting
  • Loan Decisions
  • Claims Handling
  • Freddie Mac
  • Underwriting Systems
  • DU/LP
  • FNMA
  • FHLMC
  • Account Executives
  • Loan Programs

Updated January 8, 2025

Zippia Research Team
Zippia Team

Editorial Staff

The Zippia Research Team has spent countless hours reviewing resumes, job postings, and government data to determine what goes into getting a job in each phase of life. Professional writers and data scientists comprise the Zippia Research Team.

Updated January 8, 2025

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