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Become An Underwriting Technician

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Working As An Underwriting Technician

  • Getting Information
  • Making Decisions and Solving Problems
  • Analyzing Data or Information
  • Processing Information
  • Documenting/Recording Information
  • Mostly Sitting

  • Make Decisions

  • Repetitive

  • Stressful

  • $74,348

    Average Salary

What Does An Underwriting Technician Do At Combined Insurance

* Duties may include are not limited to:
* Handle clearance of new submissions and file set-up of new policies.
* Identify forms and endorsements used in policy construction.
* Handle general correspondence and renewal letters.
* Maintain service standards by timely response to broker requests and timely receipt of underwriting information.
* Communicate with customers to confirm or obtain data needed for policy issuance and servicing.
* Prepare at the direction of the Underwriter quotations, binders and or policies.
* Conduct account inquiries in various management systems.
* Handle special projects as assigned

What Does An Underwriting Technician Do At Comerica

* 1. Provide complete analysis of loan package for new deals, reviews and renewals
* Prepares and/or updates appropriate RECAP documentation with guidance from MCU (Manager Credit Underwriting).
* Prepares basic collateral charts, cash flows, risk ratings and other attachments.
* Provides basic industry analysis.
* Identifies policy exceptions and works with MCU/RM (Relationship Manager) to mitigate them.
* Identifies and analyzes inconsistencies and inaccuracies in customer data, including spreads, aging's, projections and other financial documents.
* Develops basic analytical narrative and commentary on the request.
* Evaluates strengths and weaknesses of the credit and escalates risks and other issues to MCU and/or RM or PM (Portfolio Manager).
* Assists RM/PM with contacting customers to obtain answers for loan analyses and recommend loan structures and covenants.
* Prepares risk rating with guidance from MCU.
* Administration
* Monitors loan covenants and tracking on simple transactions in conjunction with CSC (Credit Support Center) support team for assigned relationships.
* Shares responsibility with Credit Specialists for performing OFAC checks and identifying issues.
* Investigates title searches, surveys and UCC (Uniform Commercial Code) searches as requested by MCU or RM/PM.
* Process Sustainability
* Adheres to department procedures for workload management.
* Strives to meet or exceed SLA, or when not possible, communicate to MCU and RM/PM.
* Ensures appropriate RECAP formats/attachments are used in accordance with approved process & procedures.
* Other duties as assigned.
* Travel Travel is not required of this position.
* Relocation Relocation is not available for this position.
* Work Schedule This positions work schedule may require overtime.
* Bachelor's Degree in Business or Economics
* cumulative GPA
* Two (2) Accounting courses (minimum 6 units) with a 3
* GPA average
* year Microsoft Office applications (Word, Excel, PowerPoint, Outlook) Equal Opportunity Employer Minorities/Women/Protected

What Does An Underwriting Technician Do At The Hartford

* Underwriting Excellence (40%)Acts with high levels of Underwriting Authority; expertly applies all applicable Line of Business underwriting guidelines when making risk acceptance and pricing decisionsActs as industry and product subject matter expert on technology, cyber and media liability risk.
* Coaches and mentors staff on team; supports junior or other non- expert underwriters.  Advises standard lines field underwriters in writing Tech E&O in conjunction with their core lines. Primary responsibility for territory total written premium, new business production and profit goals. Has thorough knowledge of applicable laws, regulations and governance Underwrites and/or approves referrals for more complex risks
* Sales Excellence/Distribution Partner Management (40%)Creates, drives, and executes on strategies for new and/or renewal accounts including, sales pipeline management, prospective book management, executing on mix  of business strategy, territorial and distribution partner sales plans, and other sales activities
* Consults and provides solutions to distribution partners and insureds; viewed as a technology, cyber and media risk subject matter expert and trusted advisor to partners; manages the book of businessEffectively provides excellent account management service for assigned region through strategic planning and operational excellence; ensures the consistent delivery and execution of service; positively impacts and influences final account pricing and terms. Responsible for, or influences, retentionLeads regional communicating strategy for engaging agents,, brokers  and other distribution partners; coordinates communications across the enterprise; educates internal and external partners on the strategyCoaches and mentors others on sales excellence and external partner managementEstablishes a pipeline of accounts and source businesses for cross-sell opportunities among other specialty and middle market commercial units
* Manages the sales process for your accounts including, planning, operating routines, and monitoring; build and maintains pipeline and sources opportunities for other team membersIs professionally demanding, results oriented and understands accountability and hold others to those standards
* Book Analysis & Planning (10%)Analyzes agency book on quarterly  basis for potential growth or corrective  actionIdentifies trends in book composition and financial performance, recommends portfolio balancing  solutions and executes corrective action with minimal inputProduct Knowledge / Policy Command (10%)Reviews coverage requests and independently makes risk acceptance   decisions based on company appetite, guidelines, risk characteristics and authority level.
* Refers risks as needed for review or additional authority
* Maintains thorough knowledge of applicable laws, regulations and governance, target industry and class trends, emerging market needs, issues and risks and competition
* Works with distribution partners in addressing market dynamics to reinforce   The Hartford’s reputation as the premier expert carrier for tech, cyber and media risk solutions. Coaches others on applicable terms and conditions

What Does An Underwriting Technician Do At Combined Insurance

* Work closely with CHUBB Small Commercial underwriting, sales and product staff to promote small commercial products and capabilities.
* Working with the local Sales organization, executes CHUBB agency management strategies specific to Technology, developing and managing local key strategic relationships in order to achieve production and profit metrics.
* Identifies new customers through effective pipelining, pre-qualification, and territory analysis/management.
* Exhibit's a thorough understanding of local Technology industry marketplace and trends, CHUBB capabilities within the geography, and corporate vision.
* Develops and executes recommendations to profitably capture market share across assigned geography

What Does An Underwriting Technician Do At The Hartford

* The primary responsibilities for the Sr or Executive Tech Underwriter position include the following:
* Risk Selection/Technical Underwriting:
* Takes lead role in risk selection, pricing, and Technology account management.
* Has extensive knowledge of Hartford Programs, forms and services for the Technology & Life Science Practice and within The Enterprise, with emphasis on Middle Market, and Hartford Financial Products.
* Is creative in use of underwriting tools and techniques to write profitable business.
* Uses pricing models for appropriate risk selection/pricing and is able to communicate rationale for underwriting decisions.
* Exhibits a commitment to finding ways to write business without sacrifice of quality, including appropriate leverage of all lines and account underwriting.
* Successful individual will be responsible for both IT and Life Science risks.
* Agency Management:
* Creates, drives and executes on strategies for new and/or renewal accounts (prospective book management, executes on the mix strategy, low strategy, territorial and agency sales plans, etc.)
* Consults and provides solutions
* Effectively provides excellent account management service of assigned Division through strategic planning and operational excellence.
* Ensures the consistent delivery and execution of the Circle of Service process; tailoring a service plan for each client based on needs.
* Positively impacts and influences final account pricing and terms.
* Successfully sells the proposal
* Responsible for, or influences, retention
* Takes lead in communicating strategy to the agency; coordinates communications across the Enterprise; educates others on the strategy
* Coaches and mentors others on Agency Management
* Trusted advisor to agency; manages the book of business
* Sales:
* Establishes and maintains pipeline
* Manages cross-sell and up-sell opportunities across team; generates cross-sell opportunities
* Manages the sales process including planning, operating routines, and monitoring
* Sources opportunities for other team members
* Coaches and mentors others on sales practices
* Is well versed about every aspect of The Hartford's Value proposition to best position us for success.
* Is professionally demanding and holds internal and external customers accountable.
* Service:
* Consulting with the agents to answer questions regarding coverage, explaining processes, directing the agents to appropriate resources within the Hartford based on their unique needs
* Directs and coordinates identified service issues
* Is highly familiar with how service operates
* Makes recommendations to service; provides feedback to Service leaders

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How To Become An Underwriting Technician

Employers prefer to hire candidates who have a bachelor’s degree. However, insurance-related work experience and strong computer skills may be enough. Certification is generally necessary for advancement to senior underwriter and underwriter manager positions.


Most firms prefer to hire applicants who have a bachelor’s degree. Courses in business, finance, economics, and mathematics are particularly helpful.


Beginning underwriters usually work as trainees under the supervision of senior underwriters. Trainees work on basic applications and learn the most common risk factors. As they gain experience, they become responsible for more complex applications and work independently.

Licenses, Certifications, and Registrations

Employers often expect underwriters to become certified through coursework. Courses are important for keeping current with new insurance policies and for adjusting to new technology and changes in state and federal regulations. Certification is often necessary for advancement to senior underwriter and underwriter management positions. Many certification options are available.

For underwriters with at least 3 years of insurance experience, The Institutes offer the Chartered Property and Casualty Underwriter (CPCU) designation. For beginning underwriters, The Institutes offer a training program.

The Institutes also offer two special designations: Associate in Commercial Underwriting (AU) and Associate in Personal Insurance (API). To earn either the AU or API designation, underwriters complete a series of courses and exams that generally take 1 to 2 years.

The National Association of Insurance and Financial Advisors offers an introductory course in basic insurance concepts: the Life Underwriter Training Council Fellow (LUTCF). The American College of Financial Services offers the Chartered Life Underwriter (CLU) certification.

Important Qualities

Analytical skills. Underwriters must be able to evaluate information from a variety of sources and solve complex problems.

Decisionmaking skills. Underwriters must consider the costs and benefits of various decisions and choose the appropriate one.

Detail oriented. Underwriters must pay attention to detail, because each individual item on an insurance application can affect the coverage decision.

Interpersonal skills. Underwriters need good communication and interpersonal skills because much of their work involves dealing with other people, such as insurance agents.

Math skills. Determining the probability of losses on an insurance policy and calculating appropriate premiums require mathematical ability.

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Underwriting Technician jobs

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Underwriting Technician Demographics


  • Female

  • Male

  • Unknown



  • White

  • Hispanic or Latino

  • Asian

  • Unknown

  • Black or African American

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Languages Spoken

  • Spanish

  • French

  • Carrier

  • Chinese

  • Cantonese

  • Hindi

  • Mandarin

  • Mongolian

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Top Skills for An Underwriting Technician


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Top Underwriting Technician Skills

  1. Insurance Policies
  2. Underwriting Guidelines
  3. Loss Control
You can check out examples of real life uses of top skills on resumes here:
  • Set up insurance policies for underwriters, Applied checks towards policies Balanced checks for deposit
  • Requested additional documents, if required, based on the company s underwriting guidelines.
  • Developed relationships with agents, loss control, and marketing representatives.
  • Provide timely and professional customer service to internal and external customers.
  • Assisted in developing underwriting procedures.

Top Underwriting Technician Employers

Underwriting Technician Videos

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