Underwriter

Aon•Chicago, IL

6d•Hybrid

About The Position

Pro Financial Services (PFS), an NFP company, is seeking an experienced insurance professional to manage underwriting activities across a specialized and varied book of business. The Underwriter reviews submissions, communicates directly with brokers, develops quotes, binds coverage, and partners with Account Managers to ensure policy documentation accurately reflects the agreed risk. The role evaluates coverage for individuals and organizations whose financial results may depend on the availability or performance of key people, analyzing exposures, benefit amounts, pricing inputs, and underwriting requirements. PFS provides specialized coverage designed to protect individuals’ income and help organizations manage financial loss when a key person cannot perform. Success requires sound insurance judgment, strong communication, mathematical reasoning, and attention to detail, along with the ability to consider both the broader business context and the details of individual files. The position offers increasing ownership as the employee learns PFS products and underwriting practices. Accident & Health experience is preferred but not required; candidates with transferable Property & Casualty, specialty insurance, program underwriting, or advanced underwriting-support experience are encouraged to apply.

Requirements

Four or more years of experience in Accident and Health insurance or Property and Casualty insurance.
Strong attention to detail and commitment to accuracy, completeness, and documentation quality.
Effective planning, organizational, and time-management skills, including the ability to prioritize multiple assignments and meet deadlines.
Sound analytical, critical-thinking, and problem-solving skills, including the ability to identify documentation deficiencies and escalate matters appropriately.
Working knowledge of Microsoft Office software.
Ability to manage multiple responsibilities and adapt to changing priorities in a deadline-driven environment.
Demonstrated initiative, accountability, and a collaborative, results-oriented approach.
Ability to establish effective working relationships and collaborate with internal colleagues and external business partners.
Commitment to professional, accurate, and responsive customer service.
Ability to sit at a computer for long periods of time.
Obtain an Accident & Health insurance license within the first year of employment if not already licensed.

Nice To Haves

Bachelor’s degree preferred.
Accident & Health experience preferred.
Surplus Lines experience preferred.
Transferable Property & Casualty, specialty insurance, program underwriting, or advanced underwriting-support experience is welcomed.
Life, Accident & Health license, if already obtained.

Responsibilities

Obtain, organize, and evaluate submission information; identify missing, incomplete, or inconsistent documentation; and prepare complete files for final underwriting or carrier review.
Perform preliminary rating and premium calculations using approved rating tools, schedules, guidelines, and applicable delegated authority requirements.
Verify ratings, quotations, proposals, binders, policies, endorsements, invoices, and supporting documentation for accuracy, completeness, consistency, and appropriate authorization.
Review and approve documentation within assigned authority, and promptly escalate exceptions, discrepancies, and matters requiring additional underwriting review.
Collaborate with account management, underwriting, claims, accounting, administrative support, analytics, and senior leadership.
Provide professional and responsive service consistent with organizational standards and support the effectiveness of PFS underwriting operations.
Participate in departmental projects and assignments and perform other duties as assigned.