Bilingual Underwriter - Personal Lines

Team Focus Insurance Group•Florida Remote, FL

20d•Remote

About The Position

FOCUS provides cloud-based core administration solutions and services for property and casualty insurance companies and managing general agents. The Bilingual Underwriter - Personal Lines reviews and processes personal lines applications, assesses risk, and makes underwriting decisions within established rules and guidelines. The role determines eligibility, coverage, pricing, and endorsements; processes policy changes; researches complex underwriting issues; and supports agents with policy and submission questions. It also manages workflow, maintains compliance with carrier and company requirements, stays current on underwriting practices and regulations, and recommends process improvements. The position is fully remote, with hours of 8 a.m.–5 p.m. or 9 a.m.–6 p.m. Eastern Time. It cannot be performed in California, Colorado, New York, or Washington.

Requirements

Three to five years of personal lines underwriting experience, including homeowners and other lines, or an equivalent combination of education and experience.
General knowledge of insurance statutes, regulations, and policies.
Strong knowledge of property and casualty underwriting principles and personal lines policy elements.
Ability to analyze complex applications and make informed risk decisions.
Excellent verbal and written communication skills.
Strong organizational, time-management, and decision-making skills.
Ability to handle multiple tasks, prioritize workload, and maintain accuracy.
Customer service and conflict-resolution skills, including professional handling of agent or client inquiries.
Self-motivated and disciplined, with the ability to maintain productivity without direct supervision.
Basic proficiency with Microsoft Office Suite, including Word, Excel, Outlook, and Teams.

Nice To Haves

Bachelor’s degree from a four-year college or university.
Active 2-20 or 4-40 license, or an industry designation such as CPCU or CIC.

Responsibilities

Review and process applications for personal lines coverage to determine eligibility for company programs.
Analyze applications, inspections, and endorsements and make risk-selection decisions within underwriting rules and guidelines.
Accept or reject applications and determine coverage, pricing, and endorsements accurately and efficiently.
Process cancellations, reinstatements, and endorsements in accordance with departmental service standards.
Demonstrate proficiency in at least five underwriting functions, including risk evaluation, premium calculation, and policy adjustments.
Research complex underwriting issues and provide solutions concerning eligibility, coverage, and compliance.
Guide agents on policy forms, coverage options, and application submission as a subject matter expert.
Handle agent calls about bind requests, endorsement changes, cancellations, reinstatements, inspections, missing information, and quote acceptability.
Maintain agent relationships through proactive communication and timely resolution of inquiries.
Process tasks accurately and on time, and organize workflow to support productivity and compliance.
Stay current on underwriting rules, policy forms, industry trends, and regulatory requirements.
Participate in training and cross-functional initiatives as needed.
Ensure underwriting decisions comply with carrier and company guidelines.
Recommend process improvements to enhance underwriting quality and efficiency.