Underwriter Jobs in Maine

Looking for your last career stop? Interested in an industry change? Seeking work-life balance? The Dorr Agency is seeking a motivated, coachable licensed and non-licensed agent to join our team. We specialize in helping families and businesses with life, health, and wealth solutions. We utilize a proprietary platform that enables you to make an impact and increase your earnings with the industry's most competitive solutions. All of this in a team based/collaborative environment, that is engaging to bring out your best with a positive culture based on relationships. As your last stop, you're going to need three components to reach your destination of the ultimate work life balance. Those include a repeatable process, innovative technology, and resources, among many others of course. Our process has been developed through data-driven analytics over 15 years and thousands of agents. If you are coming from another industry or not, our training will guide and assist toward success. Based in a coaching/mentorship culture, we will help guide you through the process of each level of your career's last stop. Secondly, you will need industry best technology. Our technology will enable you to drive business from prospects to clients in an efficient, customized, and repeatable experience. Our internal CRM of automation and our business processing technology will assist in leveraging your impact for families and business owners in a variety of life, health, and wealth solutions. Lastly, you will need resources. We have a proprietary and organic lead generation system that will consistently drive new opportunities for you to grow your business. Whatever your personal goals, our exclusive lead program will enable you to have consistent weekly production. Our deeply knowledgeable advanced markets team will be a valuable resource in expanding your education and industry certifications, that will enable you to become a specialized market expert (SME). Additional Information: Strong work ethic and desire to succeed to your goals. Flexible schedule Performance based promotions every 1-2 Months Remote Commission-based opportunity USA Based Only

Our Middle Market department is seeking a Sales Underwriter to join our growing team in our New Hampshire and Vermont T erritory . **This is a Full-time, Exempt role. This is a Hybrid position.** * Responsible for identifying, soliciting, underwriting and selling new and renewal Middle Market accounts that drive profitable growth and align with Industry Segments, appetite and mix goals. * Apply advanced technical, sales and analytical skills to provide insurance solutions that help Hanover's customers manage risk. Demonstrates a thorough understanding of Hanover's strategies and appetites and will use internal and external data to make appropriate individual and portfolio risk decisions. * Operates within a broad Letter of Authority for all underwriting decisions and with limited direction while managing an assigned book of business, generally with high technical complexity and coordination. **Position Overview/Summary:** **Responsibilities/Essential Functions:** * Technical Underwriting * Knows and applies advanced underwriting concepts including risk selection, exposure and hazard identification and control, coverage implications, and loss analysis. * Uses all appropriate underwriting tools (e.g. RQI, WC RST, UWWS, and CLAY.), disciplines and knowledge of strategies to ensure underwriting guidelines are followed. * Advanced knowledge of pricing components and rating methodology and correlates pricing to exposure, financial and competitive analysis. * Completes file documentation according to best practices guidelines and state regulations and can clearly explain account decisions. * Adheres to CAT guidelines and underwriting discipline to minimize exposure and appropriately price individual risks. Applies increased knowledge of CAT aggregation to decision making. Portfolio Management & Financial Acumen: * Manages assigned portfolio to achieve gross written premium, profitability, rate, retention, industry and LOB mix, new business and portfolio management goals. * Reviews key metrics and uncovers trends that may lead to new business opportunities with agents while achieving profitable growth in accordance with business strategies. * Demonstrates an understanding of the market factors and trends that can affect pricing (i.e. distribution channels, competition, organization's growth/ profit strategy, regulation, reinsurance costs and branding). * Prepares or analyzes information on adverse underwriting decisions, rate appeals, underwriting requirements, status and declinations in order to drive results within the assigned territory. * Supports the implementation of profit improvement initiatives with key agents. Sales Acumen & Customer Advocacy: * Can identify, solicit, pipeline, negotiate, and close accounts aligned with MM branch strategy. * Ability to profile assigned agency plant and to strategically market our capabilities to agents. + Operates with a franchise perspective to identify and drive enhanced sell opportunities and create growth within other lines of business and customer segments. + Utilize our value proposition to enhance agency economics, partner conversion and product specialization in partnership with local management. * Prioritizes and drives effective relationship management and producer activities to build trust, facilitate negotiation, and secure commitment in order to improve yield and retention ratios. * Keeps current on state/territory issues, regulations and trends. Utilizes market and competitor information to enhance agent relationships by becoming a trusted advisor. * Through stewardship process engage at the customer level for the most complex and prominent accounts within their territory. * Independently implements territory business plans, monitors performance, adjusts plan to ensure a substantial pipeline for future profitable growth. * Makes sales presentations to agents and customers on a regular basis and participants in more complex accounts: + Utilize Industry Solutions partners to augment sales process through enhanced knowledge transfer, strategic producer visits/sales calls, and effective training sessions for both agents and customers. + Effectively utilize Claims, Risk Solutions and Operations to display service and/or technical expertise to build confidence in customers to further secure business opportunities. **Required Skills, Key Competencies and Experience:** * Bachelor's Degree or equivalent experience * 3-7+ years Underwriting experience, with a minimum of 3 years of experience underwriting MM accounts. * 3+ years of experience driving agency relationships resulting in profitable new and renewal business. * May specialize /certify in one or more Industry Segments. **BENEFITS:** We offer comprehensive benefits to help you be healthy, build financial security, and balance work and home life. At The Hanover, you'll enjoy what you do and have the support you need to succeed. Benefits include: 401K with a company match The Hanover values diversity in the workplace and among our customers. The company provides equal opportunity for employment and promotion to all qualified employees and applicants on the basis of experience, training, education, and ability to do the available work without regard to race, religion, color, age, sex/gender, sexual orientation, national origin, gender identity, disability, marital status, veteran status, genetic information, ancestry or any other status protected by law. Furthermore, The Hanover Insurance Group is committed to providing an equal opportunity workplace that is free of discrimination and harassment based on national origin, race, color, religion, gender, ancestry, age, sexual orientation, gender identity, disability, marital status, veteran status, genetic information or any other status protected by law.” As an equal opportunity employer, Hanover does not discriminate against qualified individuals with disabilities. Individuals with disabilities who wish to request a reasonable accommodation to participate in the job application or interview process, or to perform essential job functions, should contact us at: ********************** and include the link of the job posting in which you are interested.

JOB\_DESCRIPTION.SHARE.HTML CAROUSEL\_PARAGRAPH JOB\_DESCRIPTION.SHARE.HTML * Portland, Maine * Sales/Production * 13061 * $52,000-$101,500 mail\_outlineGet future jobs matching this search or ** Job Description** **Introduction** At Risk Placement Services, we're more than just a team - we thrive on collaboration, creativity, and tackling challenges head-on. Our culture fosters an environment where every idea counts, and every individual's contribution matters. Step into a world of excitement and innovation as we work with top-rated carriers to design robust coverage for our clients. Unleash your potential and join our spirited team, where you'll have the freedom to explore and the support to grow. We believe that every candidate brings something special to the table, including you! So, even if you feel that you're close but not an exact match, we encourage you to apply. **How you'll make an impact** Primary focus is to assist Underwriter/Broker Senior in servicing and operational management of accounts. Underwrites, services, and manages assigned accounts. Has Production and Service goals assigned and is measured on attainment of both. Underwrites individual insurance applications to cover property and casualty with guidelines set for the issuance of policies on a standard or substandard basis. Determines whether to accept, modify or decline a risk through evaluation of the property's value, location, usage, and safety features, and other information pertinent to the decision. Has frequent contact with field to gather information on which to base and defend underwriting decisions. **About You** Required: Bachelor's degree and 3 years related experience required. Working knowledge of Microsoft Windows applications and Microsoft Office. Preferred: Behaviors: Assignments are broad in nature and usually require originality and ingenuity. **Compensation and benefits** On top of a competitive salary, great teams and exciting career opportunities, we also offer a wide range of benefits. Below are the **minimum core benefits** you'll get, depending on your job level these benefits may improve: * Medical/dental/vision plans, which start from day one! * Life and accident insurance * 401(K) and Roth options * Tax-advantaged accounts (HSA, FSA) * Educational expense reimbursement * Paid parental leave **Other benefits include:** * Digital mental health services (Talkspace) * Flexible work hours (availability varies by office and job function) * Training programs * Gallagher Thrive program - elevating your health through challenges, workshops and digital fitness programs for your overall wellbeing * Charitable matching gift program * And more... **We value inclusion and diversity** to review our U.S. Eligibility Requirements Inclusion and diversity (I&D) is a core part of our business, and it's embedded into the fabric of our organization. For more than 95 years, Gallagher has led with a commitment to sustainability and to support the communities where we live and work. Gallagher embraces our employees' diverse identities, experiences and talents, allowing us to better serve our clients and communities. We see inclusion as a conscious commitment and diversity as a vital strength. By embracing diversity in all its forms, we live out The Gallagher Way to its fullest. Gallagher believes that all persons are entitled to equal employment opportunity and prohibits any form of discrimination by its managers, employees, vendors or customers based on race, color, religion, creed, gender (including pregnancy status), sexual orientation, gender identity (which includes transgender and other gender non-conforming individuals), gender expression, hair expression, marital status, parental status, age, national origin, ancestry, disability, medical condition, genetic information, veteran or military status, citizenship status, or any other characteristic protected (herein referred to as “protected characteristics”) by applicable federal, state, or local laws. Equal employment opportunity will be extended in all aspects of the employer-employee relationship, including, but not limited to, recruitment, hiring, training, promotion, transfer, demotion, compensation, benefits, layoff, and termination. In addition, Gallagher will make reasonable accommodations to known physical or mental limitations of an otherwise qualified person with a disability, unless the accommodation would impose an undue hardship on the operation of our business. CookieExpiryDomainCompanyPurposeCookie i18nExpiry SessionDomain jobs.ajg.com Company Purpose Under review This cookie is currently under review and its purpose is being assigned. Once complete, this description will be updated accordingly. This cookie is currently under review and its purpose is being assigned. 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Not just another job, but an opportunity to work for one of the best insurance companies in the country and reap the rewards that go along with that level of success. We're a 195 year old company that works hard not to act our age; as a result, we have been recognized as one of the “Best Places to Work in Vermont”. An open and collaborative environment, coupled with exceptional compensation and benefits help to make us one of the most attractive employment opportunities in the country. We are looking for experienced Underwriters to join our growing team. Our Underwriters focus on writing new business and maintaining positive relationships with our Independent Agents; in doing so, we have contributed to some of the best results in our industry. These positions offer a dynamic environment for insurance professionals who enjoy creative problem-solving and working with others If you have qualifications that you feel would allow you to contribute to the continued success of Vermont Mutual, we'd love to hear from you. **How to Apply:** Submit cover letter, salary requirements and resume, in strict confidence.

This job analyzes Individual and/or Group medical risk factors for new enrollment, yearly renewals, and amendments of group insurance contracts, or of self-funded plans in conformance with established underwriting policies, practices, and standards; analyzes associated policies, guidelines and market data to continuously improve risk management and gain appropriate enrollment or manage existing membership; analyzes data such as individual health, type of industry, characteristics of employee groups, or past claim experience to determine what benefits can be offered, which is a necessary component of the rates; prepares and presents first and second level medical underwriting appeals and applicable clinical records to physician advisors; and analyzes high medical cost claimants and prepares analytical reporting of current medical costs and predictive medical condition costs for purposes of assessing the group's renewal rates and impact on future potential medical claims. And if applicable, completes referral requests for case/care management or provider review. The incumbent must communicate effectively with various internal departments to manage risk through process/guideline improvements, referrals and project work. **ESSENTIAL RESPONSIBILITIES:** + Risk Analysis of New and Pre-Screen opportunities + Applies medical review and medical underwriting principles to all New and Pre-Screen Individual, Small Group and Large Group Medically Underwritten product member applications, attending physician's statements, medical and drug claims history. Uses established guidelines and all information to make enrollment and rating decisions. + Apply corporate risk management policies and adjust for unusual situations that may not have been considered in the standard pricing formula. + Understands and effectively uses underwriting systems and tools. Actively participates in system enhancement and strategic planning to meet corporate goals. + Support other internal initiatives including but not limited to fraud detection, wellness/disease management, product development efforts. + Prepares and presents thorough clinical record reviews to first and if applicable, second level appeals to physician advisors. + 2. Risk Analysis of Ongoing and Renewal Members / Groups + Provides current and predictive reporting regarding high and potential high medical costs for members/groups. + Gathers claims history data from multiple sources, interprets and provides clinical judgment on diagnosis and estimates to the requestors regarding the impact on future potential claims. + For claimants over a specific threshold, or with aberrant medical claims or inconsistent information, performs analysis of all details for possible fraudulent / abuse referral to FIPR and / or Legal. + 3. Fulfills Highmark's mission to provide and maintain affordable products, by performing ongoing review of the medical underwriting guidelines and departmental procedures. Interfaces with physicians, regulatory / compliance staff, privacy and legal advisors to resolve medical risk issues while promoting efficiency, consumerism and customer service. + 4. Quality and Production + Participates in the department Quality Improvement Process by providing peer Inter-Reviewer Reliability [IRR] and Validity reviews to measure consistency with departmental goals. + Meets annual development, productivity and quality goals + Actively participates in bi-annual multi-disciplinary medical underwriting guideline review workgroup. + 5. Risk and Compliance + Understands and complies with all Regulations in regards to security and confidentiality of Protected Health Information, including HIPAA, GINA and PPACA. + 6. Communicates effectively while interacting with all internal and external customers. Ability to communicate with clinicians and non-clinicians regarding medical condition findings. + 7. Other duties as assigned or requested. **QUALIFICATIONS:** Minimum + High School Diploma/GED + 5-10 years of relevant, progressive experience in the area of specialization + Current RN licensure in state(s) of practice Preferred + Additional relevant knowledge, skills or experience in relevant field + Professional health claim coding/ billing certification + 3 years of clinical practice + Bachelor's Degree or 8-10 years of clinical or underwriting experience **Knowledge, Skills and Abilities** + Communicate effectively. This position requires skilled and knowledgeable interaction with various internal departments and external stakeholders. + Demonstrate the ability to use applicable computer systems, electronic tools and applications. + Demonstrate the ability to be responsible for projects across a continuum from routine to highly complex. + Engage in teams/workgroups and contribute to successful accomplishment of departmental or team goals or output. + Demonstrate ethical business practices with adherence to all privacy and confidentiality policies and regulations. **Language (Other than English):** None **Travel Requirement:** 0% - 25% **PHYSICAL, MENTAL DEMANDS and WORKING CONDITIONS** **Position Type** Office-based Teaches / trains others regularly Occasionally Travel regularly from the office to various work sites or from site-to-site Rarely Works primarily out-of-the office selling products/services (sales employees) Never Physical work site required Yes Lifting: up to 10 pounds Constantly Lifting: 10 to 25 pounds Occasionally Lifting: 25 to 50 pounds Rarely **_Disclaimer:_** _The job description has been designed to indicate the general nature and essential duties and responsibilities of work performed by employees within this job title. It may not contain a comprehensive inventory of all duties, responsibilities, and qualifications required of employees to do this job._ **_Compliance Requirement_** _: This job adheres to the ethical and legal standards and behavioral expectations as set forth in the code of business conduct and company policies._ _As a component of job responsibilities, employees may have access to covered information, cardholder data, or other confidential customer information that must be protected at all times. In connection with this, all employees must comply with both the Health Insurance Portability Accountability Act of 1996 (HIPAA) as described in the Notice of Privacy Practices and Privacy Policies and Procedures as well as all data security guidelines established within the Company's Handbook of Privacy Policies and Practices and Information Security Policy._ _Furthermore, it is every employee's responsibility to comply with the company's Code of Business Conduct. This includes but is not limited to adherence to applicable federal and state laws, rules, and regulations as well as company policies and training requirements._ **Pay Range Minimum:** $26.49 **Pay Range Maximum:** $41.03 _Base pay is determined by a variety of factors including a candidate's qualifications, experience, and expected contributions, as well as internal peer equity, market, and business considerations. The displayed salary range does not reflect any geographic differential Highmark may apply for certain locations based upon comparative markets._ Highmark Health and its affiliates prohibit discrimination against qualified individuals based on their status as protected veterans or individuals with disabilities, and prohibit discrimination against all individuals based on their race, color, age, religion, sex, national origin, sexual orientation/gender identity or any other category protected by applicable federal, state or local law. Highmark Health and its affiliates take affirmative action to employ and advance in employment individuals without regard to race, color, age, religion, sex, national origin, sexual orientation/gender identity, protected veteran status or disability. EEO is The Law Equal Opportunity Employer Minorities/Women/Protected Veterans/Disabled/Sexual Orientation/Gender Identity ( _********************************************************************************************************* ) We endeavor to make this site accessible to any and all users. If you would like to contact us regarding the accessibility of our website or need assistance completing the application process, please contact number below. For accommodation requests, please contact HR Services Online at ***************************** California Consumer Privacy Act Employees, Contractors, and Applicants Notice Req ID: J254095

When you join the team at Unum, you become part of an organization committed to helping you thrive. Here, we work to provide the employee benefits and service solutions that enable employees at our client companies to thrive throughout life's moments. And this starts with ensuring that every one of our team members enjoys opportunities to succeed both professionally and personally. To enable this, we provide: Award-winning culture Inclusion and diversity as a priority Performance Based Incentive Plans Competitive benefits package that includes: Health, Vision, Dental, Short & Long-Term Disability Generous PTO (including paid time to volunteer!) Up to 9.5% 401(k) employer contribution Mental health support Career advancement opportunities Student loan repayment options Tuition reimbursement Flexible work environments *All the benefits listed above are subject to the terms of their individual Plans . And that's just the beginning… With 10,000 employees helping more than 39 million people worldwide, every role at Unum is meaningful and impacts the lives of our customers. Whether you're directly supporting a growing family, or developing online tools to help navigate a difficult loss, customers are counting on the combined talents of our entire team. Help us help others, and join Team Unum today! General Summary:General Summary This position is responsible for producing consistently accurate and timely rates for customers with a vast range in complexity. Specialists support the evaluation and selection of risk and the establishment of premium levels which ensure profitable acquisition of new cases and/or the continued profitable retention of inforce cases. Primary accountability is to determine the proper plan design and census manipulation needed to build the appropriate rate. The quality, accuracy, and reasonableness of the rate serves as the foundation for accurate risk assessment and ultimate pricing decisions that follow. This role requires a strong partnership with Underwriters, peers and other partners to ensure all data needs are met, work hand-offs are effectively communicated, and due dates are managed. The incumbent must have strong technical understanding of products in the Unum US portfolio that may include: Group Long and Short-Term Disability, Group Life & AD&D, Dental, Vision, Paid Leave, Statutory Disability, Stop Loss, or the Voluntary Benefits Portfolio. In support of the sales teams and underwriting, the Specialist is accountable to understand requested plan designs through the analysis of complex inforce contracts and supplied materials, make appropriate decisions about the application of risk rules or escalation needs, and generate accurate rates to be used toward the creation of proposals. This individual may also provide specialized subject matter expertise on various products and processes as needed to support complex business. Principal Duties and Responsibilities Manage the quote process for quote requests by evaluating and executing technical aspects of the rating process to generate accurate rates for each product requested Identify standard and non-standard business procedure and process appropriately. Apply underwriting risk and escalation rules, accurately evaluate SIC classifications for the customer, handle PII census data according to department standards, and generate rates and proposals within service standards Leverage tools appropriately to come to the right risk and pricing outcome on new business, inforce business and/or renewals Determine the useability of and ensure accurate preparation of complex census data using word and excel When provided, demonstrate ability to most closely match in-force plan designs based on a review of Requests for Proposal, Benefit Summaries, complex contracts, and/or internal Unum systems (i.e. CME, EDS, etc.) Utilize critical thinking skills to be able to make appropriate assumptions to present rates to the Underwriter in cases that require Underwriter involvement, taking initiative to provide viable plan options Develop a recommended rate along with positioning points and create a comprehensive customer package May complete case rate calculation for various product lines such as STD, Life, LTD, Dental, Vision, etc. May evaluate claims & enrollment reporting/history and input required claims data to assist experience review Assist in development and execution of ad hoc special processes Identifies problems early in the process and works with appropriate resources to resolve or escalate as needed Provide clear and complete documentation of assumptions/best estimates made in the instance of missing data and system limitations requiring alterations to the requested plan designs Partner closely with Underwriting to determine reasonable timeframes, reporting and customer needs to deliver on priority and time standards for each case Consult with Underwriters and Pricing partners for guidance and signoff on non-standard and/or complex plan design requests Provide superior customer service and demonstrate ownership and expertise with customers, ensuring total client satisfaction with business partners Builds and nurtures effective partnerships in interaction with peers and partners. Instills confidence and trust in one's abilities, and fosters healthy relationships as an extension of the field sales team Acts with a continuous improvement mindset to maximize process efficiency Demonstrates alignment of shared objectives with Sales, Underwriting and other partnering teams by setting a pace and appropriate tone of urgency and demonstrates a desire to win Provide support to peer group for high volume transaction periods and during absences Partner with other teams to provide support across the organization during high demand May partner with sales team and all necessary internal partners to ensure a complete, accurate, timely, and smooth submission of sold cases to include Broker Compensation Services as necessary to ensure proper payment of broker commission during implementation process Verify final sold plan and that the case is within underwriting guidelines, consulting with internal partners on exceptions May assist with training for new Underwriting Specialists and refresher training for incumbents Leads others through change, models appropriate behavior Work on Business Initiatives as assigned by Manager May perform other duties as assigned Job Specifications 2 or 4 year college degree preferred or related industry experience Experienced in customer interactions, with an ability to effectively communicate with sales reps and Market Distribution Partners Strong verbal and written communication skills Proven ability to develop strong working partnerships to achieve shared goals Strong ability to prioritize, organize, complete multiple tasks and accurately handle a high volume of work in a fast-paced environment Operate with a high sense of urgency, meeting deadlines and productivity targets Highly motivated and proactive, with the ability to work well independently and within a team Strong attention to detail with a keen focus on quality and accuracy Ability to anticipate the needs of partners and clients Strong work ethic with sensitivity to handling Personally Identifiable Information (PII) Strong critical thinking skills, with an ability to effectively analyze and solve problems, and analyze outputs for reasonability and making appropriate corrections to produce accurate results Solid math skills Proficient in Word, with exceptional skills in Excel with ability to navigate formulas, filtering, merging, formulas and pivot tables Proficiency with MS Outlook, Salesforce, and Unum quoting systems Willingness to adapt to a rapidly changing environment with an open mind and high degree of engagement to ensure the success of the organization Demonstrates leadership skills through positive behavior by contributing to the building of a productive environment and being a role model Unum and Colonial Life are part of Unum Group, a Fortune 500 company and leading provider of employee benefits to companies worldwide. Headquartered in Chattanooga, TN, with international offices in Ireland, Poland and the UK, Unum also has significant operations in Portland, ME, and Baton Rouge, LA - plus over 35 US field offices. Colonial Life is headquartered in Columbia, SC, with over 40 field offices nationwide. The base salary range for applicants for this position is listed below. Unless actual salary is indicated above in the job description, actual pay will be based on skill, geographical location and experience. $40,000.00-$75,600.00 Additionally, Unum offers a portfolio of benefits and rewards that are competitive and comprehensive including healthcare benefits (health, vision, dental), insurance benefits (short & long-term disability), performance-based incentive plans, paid time off, and a 401(k) retirement plan with an employer match up to 5% and an additional 4.5% contribution whether you contribute to the plan or not. All benefits are subject to the terms and conditions of individual Plans. Company: Unum

Built on meritocracy, our unique company culture rewards self-starters and those who are committed to doing what is best for our customers. Arrowhead General Insurance Agency, Inc. is looking for an experienced commercial lines Underwriter to join our auto dealer program, Accelerate by Brown & Brown. In this position, you will be responsible for underwriting and analyzing new and renewal business. This position will administer and monitor underwriting rules, guidelines, insurance laws, and regulations and will also work within assigned letter of authority and defined guidelines on moderately complex risks. Accelerate by Brown & Brown is a narrowly focused provider of insurance products and services to the franchised automotive industry. The Accelerate program offers exclusive access to business insurance programs via our program administrator Arrowhead General Insurance Agency, Inc. Arrowhead General Insurance Agency, Inc. offers a benefits and compensation package that meets today's most important need and includes: * A challenging and stimulating career that provides growth and development. * Group medical, dental, vision, life, and disability benefits. * Paid time off and a 401(k) retirement plan as well as an Employee Stock Purchase Plan that allows our employees to purchase Brown & Brown stock at a discounted rate. The pay range for this position is $60,000 - $93,000/year. If you want to be part of a growing organization that is energetic and driven, contact us today. JOB DUTIES: * Executes underwriting strategy as established by the program. * Accepts, modifies, or declines new and renewal business within delegated level of authority. * Reviews and analyzes exposures of risks. * Monitors and reviews new and renewal business results to ensure growth and profitability as established by the program. * Consistently adheres to underwriting letter of authority, guidelines, and insurance laws. * Manage results of book of business and implement underwriting action when applicable. * Identifies the steps that facilitate movement from the problem to the resolution stage. * Other duties as assigned. REQUIREMENTS: * Bachelor's degree and three or more years related experience in the insurance industry and/or an equivalent combination of education and experience. * Ability to effectively present information. * Ability to define problems, collect data, establish facts, and draw valid conclusions. * Have high levels of accuracy and detail along with a specific focus on timeliness, productivity, and quality. * Able to prioritize and manage multiple tasks. * Excellent written and oral communication skills. * Garage Policy Underwriting experience. * Experience working in or calling on auto dealerships preferred. * CPCU, CIS, or other insurance designations preferred. For more information about Arrowhead General Insurance Agency, Inc., please visit our website at ********************* Pay Range $60,000 - $93,000 Annual The pay range provided above is made in good faith and based on our lowest and highest annual salary or hourly rate paid for the role and takes into account years of experience required, geography, and/or budget for the role. Teammate Benefits & Total Well-Being We go beyond standard benefits, focusing on the total well-being of our teammates, including: * Health Benefits: Medical/Rx, Dental, Vision, Life Insurance, Disability Insurance * Financial Benefits: ESPP; 401k; Student Loan Assistance; Tuition Reimbursement * Mental Health & Wellness: Free Mental Health & Enhanced Advocacy Services * Beyond Benefits: Paid Time Off, Holidays, Preferred Partner Discounts and more. Not reflective of all benefits. Enrollment waiting periods or eligibility criteria may apply to certain benefits. Benefit details and offerings may vary for subsidiary entities or in specific geographic locations. The Power to Be Yourself We are an Equal Opportunity Employer. Brown & Brown is committed to fostering an inclusive environment comprised of people from all backgrounds, with a variety of experiences and perspectives, guided by our Diversity, Inclusion & Belonging (DIB) motto, "The Power to Be Yourself".

WHAT IS THE OPPORTUNITY? The role of the Underwriter II is to evaluate the credit risk against company standards and to determine the borrower's ability to repay a residential mortgage. The Underwriter II analyzes and interprets more complex financial and non-financial data decisioning the requests with the goal of achieving the optimal quality asset for the bank while satisfying the needs of borrower. The Underwriter II is also responsible for LLCs along with other complex borrower types. The Underwriter works within established lending authorities and guidelines, with complex or unusual situations escalated to the next highest authority level for resolution. What you will do * Reviews the loan package received to ensure completeness verifying that all supporting documents are included to make a credit decision per established policies * Identifies issues and recommends appropriate resolution within policy service level agreements * Analyzes and determines the financial capacity of the borrower's ability to repay: * Performs credit analysis, financial statement analysis, cash flow analysis, liquidity qualification and payment calculation spreads * Reviews for stability of residency and employment * Verifies income per established policy * Identifies any exceptions to current policies * Documents a reasonable conclusion mitigating any identified risks supporting the request will be repaid * Accurately sets and clears conditions * Interacts with RLC and Processor throughout the life cycle of the loan, providing information, updates and assistance as required. * Updates System(s) with pertinent information and appropriate data as required * Renders a decision within his/her lending authority. If deal is outside of lending authority, provides a recommended decision and submits for appropriate level signing authority * Originates appropriate client letters; Commitment, Counter Offer, Declination * Certifies and provides a final Workbook to the Processor * Ensures compliance with bank and statutory/regulatory guidelines * Client Satisfaction * Promotes a team environment fostering a positive working environment * Functions as a collaborator and innovator to drive continuous improvement * Provides guidance and support to the RLC and Processor when required * Utilizes systems and tools to ensure that the RLC's are updated on the status of loans * Interacts and communicates daily with all levels as required to support business units, Processors, Funding/Doc Prep to ensure requirements are understood and met * Provides timely, complete and accurate response to inquiries * Handles all situations in a professional and ethical manner * Escalates problems as necessary * Supports and contributes to the quality and customer satisfaction goals of the bank * Productivity * Ensures all goals and service level agreements (SLAs) are met * Tracks, logs and provides daily, weekly, monthly, quarterly reporting of production statistics as defined by management * Consistently meets quality control and data integrity standards * Effectively utilizes available systems, workflow and imaging tools * Performs other duties as assigned by Management, including participation in projects, process improvement initiatives, etc. *Must-Have** * Bachelor's degree required. * Minimum 5 years of experience as an Underwriter in a financial services or mortgage banking environment required. * Minimum 5 years of experience in jumbo underwriting to investor or organization's guidelines required. * Minimum 5 years of experience with state and federal lending regulations (i.e., Ability to Repay (ATR), RESPA, Reg B, Reg O, Reg Z, Fair Lending, etc.). *Skills and Knowledge* * Familiarity with FNMA/FHLMC guidelines. * Computer literate with experience using Microsoft applications with mortgage industry standard software, preferably InterLink E3 or NetOxygen/Gallagher. * Ability to communicate effectively in both verbal and written form. * Strong time management skills to plan and organize a high daily loan volume. * Strong ability to be very detail oriented. * Must be a team player and work constructively with their fellow colleagues. * General knowledge and exposure to funding and loan documentation is helpful but not required. *Compensation* Starting base salary: $37.96 - $60.64 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions. **To be considered for this position you must meet at least these basic qualifications* The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job. *Benefits and Perks* At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues. Get an inside look at our **************************************************************************************************** *INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT* City National Bank is an equal opportunity employer committed to diversity and inclusion. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other basis protected by law.' ABOUT CITY NATIONAL We start with a basic premise: Business is personal. Since day one we've always gone further than the competition to help our clients, colleagues and community flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues to drive phenomenal growth today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies.

You could call it an Underwriter. But we're actually looking for a securer of stability. Deep knowledge of risks is a key factor, both in terms of running successful businesses and building a stable society. In your role as Underwriter you will work closely with our industrial clients, to ensure that their insurance solutions provide the safety net they need. Today and tomorrow. When a business stays solid through challenging times, it gains the financial figures. And most importantly, it benefits our common future. About the role In this role, you will handle complex and interesting risks and contribute to create the best solutions and experiences for our customers. You will assess customer exposures, design insurance programs and calculate premiums as well as negotiate with clients and brokers. We see continuous competence development as a key to our position as frontrunners and you will also contribute to product development. In your role you will work in client teams together with Account Executive, Risk Engineers, Assistants and Claims Adjusters to provide high quality knowledge and service to both new and existing customers. About the team Our Nordic property team consists of 35 property underwriters of which 12 are located in Sweden. With us, you get the opportunity to become part of a team where everyone walks that extra mile - both for our customers and our colleagues. In an organization built on trust and stability we have the possibility to truly put our hearts into our job - even though we sometimes have a short deadline to explain complex matters. Who are you? You have a strong inner drive and a genuine interest for risk and assessing it in an analytical way. The opportunity to contribute to finding good solutions and to keep business running is something that inspires and motivates you. A high sense of responsibility defines you, and you can be trusted to deliver at all times. You are a self-motivated person with a proactive and positive attitude, and you challenge yourself to grow. You also have: * A relevant degree from university level or equivalent. * Solid knowledge of property insurance and associated risks * Several years of experience from industrial property insurance/ global insurance and Shared solutions * Very good communication and negotiation skills * Very good English and Swedish language skills We offer you: A great work environment and colleagues sharing values on supporting each other and sharing knowledge - simply having your back. We offer a competitive remuneration package and benefits besides a culture of caring for employees, employee activities and focus on Health & Well-being. Additional facts and recruitment process Location: Gothenburg, Malmö, Stockholm, or Sundsvall offices in Sweden. Application deadline: December 20, 2024 at the latest. To apply for the position: Please attach both your CV and a personal letter. Travelling: Travelling will be a part of the role due to relationships with customers and brokers. Start: As soon as possible/by agreement. For more information regarding the position, please contact hiring manager: Daniel Martin Vivaldi, Head of Property Underwriting Sweden, Phone: 070 559 07 05, E-post: daniel.martin-vivaldi@if.se. #LI-Hybrid

For more than 170 years, The Hanover has been committed to delivering on our promises and being there when it matters the most. We live our values every day, demonstrating we CARE through our values, ESG initiatives and IDE journey. Our Middle Market department is seeking a Sales Underwriter to join our growing team in our New Hampshire and Vermont Territory. This is a Full-time, Exempt role. This is a Hybrid position. Position Overview/Summary: * Responsible for identifying, soliciting, underwriting and selling new and renewal Middle Market accounts that drive profitable growth and align with Industry Segments, appetite and mix goals. * Apply advanced technical, sales and analytical skills to provide insurance solutions that help Hanover's customers manage risk. Demonstrates a thorough understanding of Hanover's strategies and appetites and will use internal and external data to make appropriate individual and portfolio risk decisions. * Operates within a broad Letter of Authority for all underwriting decisions and with limited direction while managing an assigned book of business, generally with high technical complexity and coordination. Responsibilities/Essential Functions: * Technical Underwriting * Knows and applies advanced underwriting concepts including risk selection, exposure and hazard identification and control, coverage implications, and loss analysis. * Uses all appropriate underwriting tools (e.g. RQI, WC RST, UWWS, and CLAY.), disciplines and knowledge of strategies to ensure underwriting guidelines are followed. * Advanced knowledge of pricing components and rating methodology and correlates pricing to exposure, financial and competitive analysis. * Completes file documentation according to best practices guidelines and state regulations and can clearly explain account decisions. * Adheres to CAT guidelines and underwriting discipline to minimize exposure and appropriately price individual risks. Applies increased knowledge of CAT aggregation to decision making. Portfolio Management & Financial Acumen: * Manages assigned portfolio to achieve gross written premium, profitability, rate, retention, industry and LOB mix, new business and portfolio management goals. * Reviews key metrics and uncovers trends that may lead to new business opportunities with agents while achieving profitable growth in accordance with business strategies. * Demonstrates an understanding of the market factors and trends that can affect pricing (i.e. distribution channels, competition, organization's growth/ profit strategy, regulation, reinsurance costs and branding). * Prepares or analyzes information on adverse underwriting decisions, rate appeals, underwriting requirements, status and declinations in order to drive results within the assigned territory. * Supports the implementation of profit improvement initiatives with key agents. Sales Acumen & Customer Advocacy: * Can identify, solicit, pipeline, negotiate, and close accounts aligned with MM branch strategy. * Ability to profile assigned agency plant and to strategically market our capabilities to agents. * Operates with a franchise perspective to identify and drive enhanced sell opportunities and create growth within other lines of business and customer segments. * Utilize our value proposition to enhance agency economics, partner conversion and product specialization in partnership with local management. * Prioritizes and drives effective relationship management and producer activities to build trust, facilitate negotiation, and secure commitment in order to improve yield and retention ratios. * Keeps current on state/territory issues, regulations and trends. Utilizes market and competitor information to enhance agent relationships by becoming a trusted advisor. * Through stewardship process engage at the customer level for the most complex and prominent accounts within their territory. * Independently implements territory business plans, monitors performance, adjusts plan to ensure a substantial pipeline for future profitable growth. * Makes sales presentations to agents and customers on a regular basis and participants in more complex accounts: * Utilize Industry Solutions partners to augment sales process through enhanced knowledge transfer, strategic producer visits/sales calls, and effective training sessions for both agents and customers. * Effectively utilize Claims, Risk Solutions and Operations to display service and/or technical expertise to build confidence in customers to further secure business opportunities. Required Skills, Key Competencies and Experience: * Bachelor's Degree or equivalent experience * 3-7+ years Underwriting experience, with a minimum of 3 years of experience underwriting MM accounts. * 3+ years of experience driving agency relationships resulting in profitable new and renewal business. * May specialize /certify in one or more Industry Segments. CAREER DEVELOPMENT: It's not just a job, it's a career, and we are here to support you every step of the way. We want you to be successful and fulfilled. Through on-the-job experiences, personalized coaching and our robust learning and development programs, we encourage you - at every level - to grow and develop. BENEFITS: We offer comprehensive benefits to help you be healthy, build financial security, and balance work and home life. At The Hanover, you'll enjoy what you do and have the support you need to succeed. Benefits include: * Medical, dental, vision, life, and disability insurance * 401K with a company match * Tuition reimbursement * PTO * Company paid holidays * Flexible work arrangements * Cultural Awareness Day in support of IDE * On-site medical/wellness center (Worcester only) * Click here for the full list of Benefits EEO statement: The Hanover values diversity in the workplace and among our customers. The company provides equal opportunity for employment and promotion to all qualified employees and applicants on the basis of experience, training, education, and ability to do the available work without regard to race, religion, color, age, sex/gender, sexual orientation, national origin, gender identity, disability, marital status, veteran status, genetic information, ancestry or any other status protected by law. Furthermore, The Hanover Insurance Group is committed to providing an equal opportunity workplace that is free of discrimination and harassment based on national origin, race, color, religion, gender, ancestry, age, sexual orientation, gender identity, disability, marital status, veteran status, genetic information or any other status protected by law." As an equal opportunity employer, Hanover does not discriminate against qualified individuals with disabilities. Individuals with disabilities who wish to request a reasonable accommodation to participate in the job application or interview process, or to perform essential job functions, should contact us at: ********************** and include the link of the job posting in which you are interested. Privacy Policy: To view our privacy policy and online privacy statement, click here. Applicants who are California residents: To see the types of information we may collect from applicants and employees and how we use it, please click here. Other details * Job Family Underwriter * Job Function Underwriting * Pay Type Salary Apply Now * Maine, USA * New Hampshire, USA * Vermont, USA

When you join the team at Unum, you become part of an organization committed to helping you thrive. Here, we work to provide the employee benefits and service solutions that enable employees at our client companies to thrive throughout life's moments. And this starts with ensuring that every one of our team members enjoys opportunities to succeed both professionally and personally. To enable this, we provide: + Award-winning culture + Inclusion and diversity as a priority + Performance Based Incentive Plans + Competitive benefits package that includes: Health, Vision, Dental, Short & Long-Term Disability + Generous PTO (including paid time to volunteer!) + Up to 9.5% 401(k) employer contribution + Mental health support + Career advancement opportunities + Student loan repayment options + Tuition reimbursement + Flexible work environments **_*All the benefits listed above are subject to the terms of their individual Plans_** **.** And that's just the beginning... With 10,000 employees helping more than 39 million people worldwide, every role at Unum is meaningful and impacts the lives of our customers. Whether you're directly supporting a growing family, or developing online tools to help navigate a difficult loss, customers are counting on the combined talents of our entire team. Help us help others, and join Team Unum today! **General Summary:** The Senior Underwriter will demonstrate strong risk evaluation, selection and retention of profitable business within assigned authority limits. This also requires a strong ability to partner with Company sales teams, brokers and all internal partners. **Principal Duties and Responsibilities** + Consult with sales and service partners to provide the products and plan options that best meet the needs of our customers. + Evaluate and select risk to ensure the profitable acquisition of new cases and the continued profitable retention of in force cases. + Conduct high quality risk assessments on all cases to assure business guidelines, target profit and metrics are met. Identify and analyze risk trends, making recommendations for addressing these + Maintain a fully developed knowledge of the Company's products, the sales, implementation, and enrollment processes, and market place influences + Deliver dependable, accurate, and timely service while maintaining relationships with internal and external partners + Assist with training, technical development and mentoring more junior underwriters **Job Specifications** + Bachelors degree or equivalent, relevant business experience + Demonstrated, consistent proficiency at Underwriter level + Fully developed knowledge of product provisions, plan designs, pricing and contractual benefits + Strong technical expertise in risk selection + Demonstrated understanding of top-line and bottom-line objectives + Exhibit strong knowledge of sales/distribution process and market trends + Solid mentoring and coaching skills + Strong creative problem solving skills + Strong critical thinking/analytical reasoning skills + Strong communication skills, both verbal and written + Strong organizational skills and ability to handle multiple priorities + Strong ability to be persuasive and to negotiate + Demonstrated ability to work both independently and in a team environment + Exhibit a strong commitment to quality and personal ownership of results \#LI-JQ1 ~IN1 Unum and Colonial Life are part of Unum Group, a Fortune 500 company and leading provider of employee benefits to companies worldwide. Headquartered in Chattanooga, TN, with international offices in Ireland, Poland and the UK, Unum also has significant operations in Portland, ME, and Baton Rouge, LA - plus over 35 US field offices. Colonial Life is headquartered in Columbia, SC, with over 40 field offices nationwide. The base salary range for applicants for this position is listed below. Unless actual salary is indicated above in the job description, actual pay will be based on skill, geographical location and experience. $53,300.00-$100,700.00 Additionally, Unum offers a portfolio of benefits and rewards that are competitive and comprehensive including healthcare benefits (health, vision, dental), insurance benefits (short & long-term disability), performance-based incentive plans, paid time off, and a 401(k) retirement plan with an employer match up to 5% and an additional 4.5% contribution whether you contribute to the plan or not. All benefits are subject to the terms and conditions of individual Plans. Company: Unum Unum is an equal opportunity employer, considering all qualified applicants and employees for hiring, placement, and advancement, without regard to a person's race, color, religion, national origin, age, genetic information, military status, gender, sexual orientation, gender identity or expression, disability, or protected veteran status.

Not just another job, but an opportunity to work for one of the best insurance companies in the country and reap the rewards that go along with that level of success. We are 195 year old company that works hard not to act our age; as a result, we have been recognized as one of the Best Places to Work in Vermont. An open and collaborative environment, coupled with exceptional compensation and benefits help to make us one of the most attractive employment opportunities in the country. We are looking for a detail-oriented individual to join our team. Our Associate Underwriters perform a variety of tasks associated with commercial lines of insurance, including accepting or declining risks, determining appropriate coverage levels and terms for accepting risks, preparing policies, developing relationships with our agency partners, and more. The ideal candidate has excellent math, analytical and problem-solving skills, excellent communication skills, and the ability to work cooperatively in a fast paced environment. If you have qualifications that you feel would allow you to contribute to the continued success of Vermont Mutual, we'd love to hear from you. **How to Apply:** Submit cover letter, salary requirements and resume, in strict confidence.

Introduction At Risk Placement Services, we're more than just a team - we thrive on collaboration, creativity, and tackling challenges head-on. Our culture fosters an environment where every idea counts, and every individual's contribution matters. Step into a world of excitement and innovation as we work with top-rated carriers to design robust coverage for our clients. Unleash your potential and join our spirited team, where you'll have the freedom to explore and the support to grow. We believe that every candidate brings something special to the table, including you! So, even if you feel that you're close but not an exact match, we encourage you to apply. How you'll make an impact Primary focus is to assist Underwriter/Broker Senior in servicing and operational management of accounts. Underwrites, services, and manages assigned accounts. Has Production and Service goals assigned and is measured on attainment of both. Underwrites individual insurance applications to cover property and casualty with guidelines set for the issuance of policies on a standard or substandard basis. Determines whether to accept, modify or decline a risk through evaluation of the property's value, location, usage, and safety features, and other information pertinent to the decision. Has frequent contact with field to gather information on which to base and defend underwriting decisions. About You Required: Bachelor's degree and 3 years related experience required. Working knowledge of Microsoft Windows applications and Microsoft Office. Preferred: Behaviors: Assignments are broad in nature and usually require originality and ingenuity. Compensation and benefits On top of a competitive salary, great teams and exciting career opportunities, we also offer a wide range of benefits. Below are the minimum core benefits you'll get, depending on your job level these benefits may improve: * Medical/dental/vision plans, which start from day one! * Life and accident insurance * 401(K) and Roth options * Tax-advantaged accounts (HSA, FSA) * Educational expense reimbursement * Paid parental leave Other benefits include: * Digital mental health services (Talkspace) * Flexible work hours (availability varies by office and job function) * Training programs * Gallagher Thrive program - elevating your health through challenges, workshops and digital fitness programs for your overall wellbeing * Charitable matching gift program * And more... We value inclusion and diversity Click Here to review our U.S. Eligibility Requirements Inclusion and diversity (I&D) is a core part of our business, and it's embedded into the fabric of our organization. For more than 95 years, Gallagher has led with a commitment to sustainability and to support the communities where we live and work. Gallagher embraces our employees' diverse identities, experiences and talents, allowing us to better serve our clients and communities. We see inclusion as a conscious commitment and diversity as a vital strength. By embracing diversity in all its forms, we live out The Gallagher Way to its fullest. Gallagher believes that all persons are entitled to equal employment opportunity and prohibits any form of discrimination by its managers, employees, vendors or customers based on race, color, religion, creed, gender (including pregnancy status), sexual orientation, gender identity (which includes transgender and other gender non-conforming individuals), gender expression, hair expression, marital status, parental status, age, national origin, ancestry, disability, medical condition, genetic information, veteran or military status, citizenship status, or any other characteristic protected (herein referred to as "protected characteristics") by applicable federal, state, or local laws. Equal employment opportunity will be extended in all aspects of the employer-employee relationship, including, but not limited to, recruitment, hiring, training, promotion, transfer, demotion, compensation, benefits, layoff, and termination. In addition, Gallagher will make reasonable accommodations to known physical or mental limitations of an otherwise qualified person with a disability, unless the accommodation would impose an undue hardship on the operation of our business.