Personal Line Underwriter (Homeowners & Dwelling Fire) - HYBRID

$75,000 - $100,000/Yr

Db Insurance - Anaheim, CA

Full-time - Mid Level

Anaheim, CA

Insurance Carriers and Related Activities

About the position

As a Personal Line Underwriter specializing in Homeowners and Dwelling Fire insurance, you will assess risks for individual clients, analyze client information, and adhere to underwriting guidelines. This role requires collaboration with agents and brokers to deliver competitive insurance solutions while maintaining a balanced portfolio aligned with the company's risk management goals.

Responsibilities

• Evaluate property characteristics, claims history, and other pertinent data to establish insurability and risk level.
• Perform risk analysis and assessments in compliance with company underwriting guidelines and state regulations.
• Make decisions on acceptance, rejection, or modification of insurance applications based on underwriting policies.
• Work closely with agents, brokers, and customer service teams to explain underwriting decisions and answer questions.
• Ensure compliance with regulatory requirements and company standards in underwriting practices.
• Regularly review assigned book of business to maintain balanced portfolio performance and identify growth opportunities.
• Monitor market trends, emerging risks, and regulatory changes to adjust underwriting practices as necessary.
• Participate in training programs to stay updated on underwriting practices, product changes, and industry developments.

Requirements

• Bachelor's degree in Business, Finance, Insurance, or a related field, or equivalent experience.
• 3+ years of underwriting experience in Personal Lines, specifically in Homeowners and Dwelling Fire insurance.
• Strong analytical and decision-making skills, with a solid understanding of underwriting principles.
• Excellent communication skills, with the ability to work collaboratively with agents and internal teams.
• Proficiency in Microsoft Office Suite/Google Workspace applications.

Nice-to-haves

• Professional designations such as CPCU (Chartered Property Casualty Underwriter) or AU (Associate in Underwriting) are a plus.
• Experience in working within a multi-state environment and familiarity with state-specific regulations.

Benefits

• Insurance covered 100% by the company - Medical (PPO), dental (PPO), vision (PPO), and group term Life.
• Annual bonus performance incentive program.
• Paid time off and sick leave.
• 10 Annual paid holidays.
• 401(k) plan with up to 5% company match.
• Quarterly Fringe Benefit reimbursements.
• Job-related training reimbursement.