Associate Underwriter

Atlantic American Corporation•Brookhaven, GA

About The Position

The Associate Underwriter plays a role in evaluating and assessing risk. The individual will build on the foundations of underwriting to evaluate and underwrite risks independently. This role focuses on developing skills in analyzing applications, interpreting medical records, and making unbiased underwriting decisions. The Associate Underwriter will also enhance their knowledge of Medicare Supplement, Final Expense, Hospital Indemnity, Cancer, and Short-Term Care products, while supporting the team in meeting service standards and learning the nuances of underwriting complex products. This role is crucial for ensuring high standards in underwriting practices and involves collaboration with various departments, including marketing, IT, and customer service. By developing a strong foundation in underwriting, the trainee will help the company manage risk effectively and provide excellent service to customers, supporting the company's mission of delivering high-quality insurance products and services.

Requirements

Strong attention to detail and an eagerness to learn
Effective time management and ability to meet deadlines.
Excellent written and verbal communication skills.
Customer-centric mindset with a positive attitude.
Bachelor's degree or equivalent insurance experience.
1- 2 years of insurance or underwriting experience
Customer-first mindset with a passion for delivering exceptional service.
Positive and proactive attitude that inspires others.
Integrity, accountability, and ownership in all tasks.
Team player who thrives independently or in collaboration.
Flexible and resilient in fast-paced, evolving environments.
Detail-oriented with a focus on quality and accuracy.
Strong communication skills—clear, concise, and engaging.
Negotiation and collaboration expertise with internal and external stakeholders.
Adaptable and quick to learn new tools, processes, and guidelines.
Strategic thinker who brings innovative ideas to challenges.
Effective problem solver who makes sound, data-driven decisions.
Excellent time management, able to prioritize and handle high volumes.
Analytical mindset with a knack for breaking down complex information.
Comfortable interpreting data and guidelines to inform priorities.
Performs well under pressure without compromising quality.
Strong mathematical abilities for underwriting calculations
Organized and focused on both daily tasks and long-term projects.

Nice To Haves

Working towards the FLMI designation is encouraged.

Responsibilities

Evaluate and interpret applications, medical records, and interviews to determine underwriting requirements and categorize risk accurately.
Assess risk factors to approve, decline, or adjust coverage, applying necessary endorsements, waivers, amendments, or substandard premiums.
Collaborate with agents, distributors, reinsurers, and customers throughout the underwriting process to address inquiries and ensure seamless coordination.
Communicate application decisions, underwriting policies, and case outcomes clearly and effectively to Underwriting Service Representatives, agents, and other stakeholders.
Support agents with application-related questions, underwriting guidelines, and procedures, providing education on field underwriting practices as needed.
Review telephone interviews and follow up with clients to clarify, verify, or obtain additional information tactfully and with expertise.
Prioritize and manage daily underwriting tasks to meet department service-level agreements (SLAs).
Make unbiased underwriting decisions while adhering to company standards, industry regulations, privacy laws, and disclosure requirements.
Handle all applicant information with the utmost confidentiality and professionalism.
Process reinstatements, conversions, lapses, upgrades, downgrades, and policy additions, coordinating with Policyholder Services when necessary.
Monitor decisions to identify inconsistencies or deviations from underwriting guidelines and company philosophy, advising management of potential issues.
Provide input on underwriting procedures and suggest improvements to enhance department operations and efficiency.
Stay updated on regulatory and underwriting changes relevant to company products, attending seminars and training as directed by management.
Participate in structured training programs covering underwriting guidelines, risk assessment, and product knowledge, shadowing experienced underwriters and gradually taking on simpler cases.