The job of a Commercial Underwriter is to take charge of writing insurance policies for non-residential real estate properties. The job description and duties listed on the Commercial Underwriter Resume include the following – processing long requests from clients, structuring payment agreements, verifying paperwork, performing credit analysis, identifying potential risks, managing credit requests, structuring credit agreements, creating summary reports, and following financial policies and regulations as set forth by the industry.
Financial companies hire those possessing these skills – customer service orientation, excellent problem-solving skills, high attention to detail, and time management skills. In addition, personnel management skills, computing skills, the ability to use financial analysis and document management software is also needed. There are no pre-set educational requirements; however, most employers want the job applicants to have at least a bachelor’s degree in business, or finance or mathematics.
Objective : Dynamic Commercial Underwriter with two years of experience in evaluating and managing risk for commercial insurance portfolios. Proficient in analyzing applications, underwriting policies, and ensuring compliance with industry standards. Committed to enhancing organizational profitability through strategic decision-making and risk assessment.
Skills : Risk Assessment And Analysis, Risk Assessment, Data Analysis, Credit Evaluation
Description :
Underwrite commercial insurance policies, assessing risk and determining appropriate coverage and pricing.
Conduct financial analysis and risk assessments to evaluate potential clients and ensure compliance with underwriting guidelines.
Prepare comprehensive loan memorandums and documentation for high-value commercial transactions.
Manage a diverse portfolio, conducting regular reviews to minimize risk and maximize profitability.
Collaborate with cross-functional teams to develop underwriting strategies that align with business objectives.
Analyze market trends and competitor offerings to identify opportunities for portfolio growth.
Provide exceptional client service, addressing inquiries and resolving issues to enhance customer satisfaction.
Experience
0-2 Years
Level
Entry Level
Education
B.S. Finance
Senior Commercial Underwriter Resume
Headline : Accomplished Senior Commercial Underwriter with over 7 years of expertise in risk assessment and portfolio management. Adept at analyzing complex commercial applications and developing tailored underwriting strategies. Proven track record in enhancing profitability and ensuring compliance with regulatory standards while fostering strong relationships with clients and stakeholders.
Evaluated and underwrote complex commercial insurance applications, ensuring alignment with corporate risk appetite.
Conducted detailed financial analyses and assessed creditworthiness to inform underwriting decisions.
Reviewed and interpreted legal documents, appraisals, and third-party reports to mitigate risk.
Collaborated with cross-functional teams to develop tailored insurance solutions for diverse client needs.
Monitored industry trends and regulatory changes to maintain compliance and inform underwriting practices.
Prepared comprehensive reports detailing risk assessments and underwriting recommendations for management review.
Maintained strong relationships with brokers and clients to facilitate effective communication and service delivery.
Experience
5-7 Years
Level
Senior
Education
B.S. Finance
Commercial Underwriter Resume
Objective : Detail-oriented Commercial Underwriter with two years of experience in risk evaluation and management for commercial insurance. Skilled in analyzing policy applications, ensuring compliance, and fostering client relationships to drive profitability. Passionate about leveraging analytical skills to enhance underwriting strategies and contribute positively to organizational goals.
Skills : Policy Development, Process Improvement, Market Trends, Insurance Regulations, Credit Risk Management, Data Interpretation
Description :
Managed a portfolio of over 1.5 million in renewal business, collaborating closely with agents to write new policies.
Generated comprehensive reports and presented data-driven insights at monthly team meetings.
Established and nurtured relationships with internal stakeholders and external clients to enhance service delivery.
Achieved 85% retention of renewal business, aligning with organizational objectives.
Demonstrated strong negotiation skills, fostering exceptional customer service and rapport.
Gained extensive underwriting experience while working in a collaborative team environment.
Utilized skills in risk assessment, decision-making, and account management to drive results.
Experience
0-2 Years
Level
Junior
Education
BBA
Lead Commercial Underwriter Resume
Summary : Results-focused Lead Commercial Underwriter with a decade of experience driving risk analysis and underwriting excellence. Expertise in developing innovative strategies to optimize profitability while maintaining regulatory compliance. Proven ability to cultivate client relationships and enhance portfolio performance through data-driven decision-making.
Emphasized acceptance of new risks while strategically canceling sub-standard risks to optimize portfolio performance.
Utilized analytics to assess policy values and apply appropriate endorsements, ensuring profitable risk distribution.
Evaluated commercial insurance applications for risk assessment and underwriting decisions.
Demonstrated a successful track record in new business production and renewal retention through effective account risk management.
Conducted thorough analysis of new business applications, ensuring all documentation meets compliance standards.
Collaborated with agents to expand a profitable book of business while delivering exceptional client relations.
Evaluated individual insurance applications and supporting documents to assess risk levels accurately.
Experience
7-10 Years
Level
Management
Education
B.S. Finance
Commercial Underwriter Resume
Objective : Ambitious Commercial Underwriter with two years of experience in assessing and mitigating risks within commercial insurance sectors. Expertise in evaluating policy applications, ensuring regulatory compliance, and implementing effective underwriting strategies. Driven to optimize profitability and enhance client relations through thorough risk analysis and strategic decision-making.
Evaluated credit risk for middle-market firms with revenues exceeding $5M and credit exposure over $3M.
Underwrote credit requests totaling over $15M, ensuring compliance with internal policies.
Conducted comprehensive financial analysis to assess debt servicing capabilities and working capital needs.
Developed pro-forma financial statements to project the impact of new credit facilities on cash flow.
Adjusted balance sheets to evaluate the effects of capitalized operating leases on financial stability.
Reviewed independent business valuations and appraisals to inform underwriting decisions.
Served as lead underwriter for a $27M syndication request, enhancing collaborative efforts with banking partners.
Experience
0-2 Years
Level
Entry Level
Education
B.S. Finance
Junior Commercial Underwriter Resume
Objective : Enthusiastic Junior Commercial Underwriter with two years of experience in risk assessment and policy analysis within the commercial insurance sector. Adept at evaluating applications and ensuring compliance with regulatory standards. Passionate about driving profitability through informed underwriting decisions and fostering strong relationships with agents.
Skills : Attention To Detail, Problem Solving, Analytical Thinking, Financial Analysis
Description :
Oversee a diverse portfolio of commercial accounts, ensuring effective risk classification and compliance with underwriting standards.
Establish and nurture long-term relationships with agents to facilitate business growth.
Market and promote company products to enhance visibility and sales within assigned territories.
Maintain accurate documentation for all accounts, ensuring transparency and compliance.
Stay informed on market trends and competitive products to provide strategic insights.
Manage underwriting processes, including endorsements and cancellations, to meet operational benchmarks.
Identify accounts requiring reinsurance and collaborate with stakeholders for risk mitigation.
Experience
0-2 Years
Level
Junior
Education
B.S. in BA
Commercial Underwriter Resume
Headline : Dedicated Commercial Underwriter with 7 years of experience in evaluating and mitigating risks for diverse commercial insurance portfolios. Expert in analyzing complex applications and implementing customized underwriting strategies that drive profitability and ensure regulatory compliance. Eager to leverage analytical skills and industry knowledge to enhance organizational success.
Skills : Data Analysis In Excel, Risk Mitigation, Contract Review, Pricing Strategies, Forecasting Skills, Presentation Skills
Description :
Evaluated and underwrote complex commercial insurance applications, ensuring compliance with industry standards.
Developed tailored underwriting strategies that enhanced profitability and minimized risk exposure.
Collaborated with cross-functional teams to assess market trends and adjust underwriting guidelines accordingly.
Conducted financial analysis and risk assessments to determine appropriate coverage and premiums.
Maintained strong relationships with clients, providing exceptional service and support throughout the underwriting process.
Trained junior underwriters on best practices and compliance requirements, fostering a culture of excellence.
Reviewed and analyzed claims history to inform underwriting decisions and improve risk management strategies.
Experience
5-7 Years
Level
Management
Education
B.S. Finance
Assistant Commercial Underwriter Resume
Objective : Results-oriented Assistant Commercial Underwriter with two years of experience in risk analysis and policy evaluation within the commercial insurance sector. Skilled in underwriting diverse products, ensuring compliance, and enhancing profitability through strategic insights. Eager to contribute analytical expertise and foster strong relationships with agents and clients to drive business success.
Underwrote a diverse range of commercial insurance products for over 200 agents in New Jersey, enhancing agent satisfaction.
Processed an average of 100 new policies and 25 re-underwritten policies weekly, ensuring timely service delivery.
Analyzed competitor offerings to provide tailored coverage solutions that meet client needs.
Recognized multi-line opportunities and increased cross-selling by 12% through targeted agent support.
Compiled detailed reports on profitability trends and devised actionable strategies for improvement.
Communicated underwriting decisions clearly to agents and clients, fostering trust and transparency.
Maintained up-to-date knowledge of NJ DOBI regulations to ensure compliance in all underwriting activities.
Experience
0-2 Years
Level
Entry Level
Education
B.S. in Business
Commercial Underwriter Resume
Objective : Proficient Commercial Underwriter with two years of experience in assessing and managing risk within commercial insurance sectors. Skilled in underwriting applications, ensuring compliance, and optimizing portfolio performance. Eager to leverage analytical abilities to enhance profitability and drive informed decision-making.
Analyze and evaluate financial statements and performance metrics to assess credit risk.
Prepare comprehensive credit presentations outlining transaction details and recommendations.
Collaborate with management and external advisors to ensure collateral security and minimize risk exposure.
Manage a portfolio of 150 accounts totaling $200MM, achieving zero overdue annual reviews.
Train new credit staff on the credit review process, enhancing team capability.
Implement a review checklist that reduced the annual review cycle time by 45 hours.
Exceed evaluation standards for overline requests, ensuring competitive positioning.
Experience
0-2 Years
Level
Entry Level
Education
B.S. Finance
Senior Commercial Underwriter Resume
Summary : Seasoned Senior Commercial Underwriter with 10 years of experience in risk analysis and portfolio management. Expert in developing customized underwriting strategies that enhance profitability while ensuring compliance with regulatory standards. Proven ability to build strong relationships with clients and stakeholders, driving business growth through informed decision-making.
Skills : Communication Skills, Commercial Insurance Knowledge, Team Collaboration, Financial Statement Analysis
Description :
Underwrote new and renewal business for commercial accounts, specializing in high-risk sectors such as auto repair and service.
Collaborated with agents to identify target accounts and provided marketing assistance to support new business acquisition.
Evaluated complex applications and made informed underwriting decisions based on comprehensive risk analysis.
Managed accounts across multiple states, ensuring compliance with state regulations and company policies.
Conducted training sessions for raters on best practices in insurance underwriting and risk assessment.
Set pricing and rating strategies for accounts, aligning with corporate objectives and market conditions.
Authored articles for industry newsletters to share insights and promote best underwriting practices.
Experience
7-10 Years
Level
Consultant
Education
B.S. Finance
Commercial Underwriter Resume
Headline : Results-driven Commercial Underwriter with 7 years of experience in risk assessment and underwriting for diverse commercial portfolios. Specialized in analyzing complex applications, formulating tailored strategies, and ensuring compliance with industry regulations. Passionate about optimizing profitability and fostering strong relationships to enhance business outcomes.
Evaluate financial aspects of borrowers and business assets to identify strengths and weaknesses.
Collaborate with Loan Officers to assess credit opportunities and business ventures.
Conduct onsite inspections of proposed investments, documenting property conditions and local competition.
Analyze financial statements and prepare detailed credit memos for review.
Reviewed policy terms and conditions to ensure compliance with company standards.
Coordinate with borrowers, appraisers, and inspectors to facilitate timely loan closures.
Perform annual credit reviews to forecast potential cash flow issues for existing clients.
Experience
5-7 Years
Level
Management
Education
B.S. Finance
Commercial Underwriter Resume
Objective : Proficient Commercial Underwriter with two years of experience in analyzing and managing commercial insurance risks. Experienced in evaluating applications, ensuring compliance, and implementing effective underwriting strategies. Focused on enhancing profitability through informed decision-making and strong client relationships.
Worked closely with claims department to understand risk exposure.
Obtain necessary documents to complete underwriting files efficiently.
Place Facultative Property Reinsurance on relevant accounts.
Rate applications for appropriate debits and credits.
Release new business, renewal, and endorsement quotes within established timelines.
Ensure profitability through appropriate underwriting analysis based on risk complexity.
Develop relationships with agents to introduce new concepts and target markets.
Experience
0-2 Years
Level
Entry Level
Education
BBA
Commercial Lines Underwriter/Co-ordinator Resume
Objective : Detail-oriented Commercial Underwriter with over 5 years of experience in risk assessment and policy development. Proven track record in analyzing complex financial data and crafting tailored insurance solutions. Strong communication skills and ability to collaborate with brokers and clients to ensure comprehensive coverage. Committed to maintaining compliance with industry regulations and enhancing underwriting processes.
Reviewed and assessed commercial renewal accounts for all lines of business, ensuring adequate risk management.
Evaluated and approved or rejected applications and endorsement requests based on underwriting criteria.
Communicated effectively with agents and company personnel regarding policy details and coverage options.
Ordered and analyzed investigation reports to make informed underwriting decisions.
Reviewed claim files to determine risk desirability and classification.
Evaluated and priced commercial exposures, contributing to overall portfolio management.
Provided administrative support to ensure the efficient operation of the underwriting team.
Experience
0-2 Years
Level
Entry Level
Education
BBA
Commercial Lines Underwriter I Resume
Headline : Accomplished Commercial Lines Underwriter with 7 years of experience in assessing and managing complex insurance risks. Proven expertise in underwriting commercial property and casualty policies, ensuring compliance with industry regulations. Committed to driving profitability through strategic analysis and relationship management with agents and clients.
Underwrote new and renewal commercial insurance policies, adhering to established underwriting guidelines.
Evaluated and classified risks to determine coverage options and pricing strategies.
Maintained strong relationships with brokers and agents to facilitate timely underwriting decisions.
Conducted thorough risk assessments and ensured compliance with regulatory standards.
Developed and submitted underwriting referrals to management for high-risk accounts.
Performed data entry for policy documents, ensuring accuracy and completeness.
Collaborated with the marketing team to implement strategies for business growth.
Experience
5-7 Years
Level
Management
Education
B.S. in Business Admin.
Commercial Lines Underwriter/Executive Resume
Objective : Proficient Commercial Lines Underwriter with two years of experience in evaluating risk and underwriting policies for diverse insurance portfolios. Skilled in analyzing applications, ensuring compliance, and enhancing profitability through strategic risk assessment. Dedicated to fostering strong relationships with clients and stakeholders while driving operational excellence.
Assessed the impact of regulatory changes on underwriting practices.
Analyzed existing policies to assess renewal potential and recommend adjustments.
Processed endorsements, cancellations, reinstatements, and exception requests efficiently.
Tracked agency performance data, identified trends, and prepared actionable recommendations.
Collaborated with internal and external clients to maintain a productive in-force book of business.
Assisted agents with risk placement and provided accurate rating guidance.
Proactively addressed customer issues, negotiating solutions to enhance satisfaction.
Experience
0-2 Years
Level
Entry Level
Education
B.S. Finance
Commercial Lines Underwriter Resume
Summary : Accomplished Commercial Lines Underwriter with 10 years of extensive experience in risk evaluation, underwriting, and portfolio management. Expertise in analyzing complex insurance applications and formulating strategic solutions to enhance profitability and ensure compliance. Proven ability to develop strong client relationships and optimize underwriting processes for sustained business growth.
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