Underwriter

Obie

2d•$60,000 - $80,000

About The Position

Obie is looking for an innovative, bright and hard-working individual to join our underwriting team to help us accomplish our mission of combining insurance know-how and innovative technology to bring bottom line success for the programs in which we manage. Those successful in this role will have property underwriting experience within P&C insurance. Additionally, you’ll be self-motivated and directed. An ability to collaborate is a must, but you will be autonomous and expected to succeed without heavy direction.

Requirements

2+ years of experience in P&C property underwriting
Experience reviewing property inspections and using inspection findings to make or recommend underwriting decisions
Strong understanding of property risk characteristics, hazards, condition concerns, and their impact on eligibility and underwriting decisions
Strong analytical skills, including the ability to assess performance and P&L within a book of business
Strong attention to detail and the ability to identify inconsistencies across applications, policy information, inspection reports, photographs, and supporting documentation
Experience and comfort using a variety of tools, including Excel, Google Workspace, and policy management systems
Excellent verbal and written communication skills with the ability to clearly document and communicate underwriting decisions
Sound judgment and confidence making decisions independently while recognizing when escalation is appropriate
Adaptability in a fast-moving, evolving environment with the ability to manage multiple priorities at once
Ability to prioritize competing demands and manage time effectively

Responsibilities

Facilitate underwriting processes and make risk-based decisions that maintain the profitability and integrity of the book of business
Review property inspection reports, photographs, and related documentation to identify hazards, condition concerns, eligibility issues, and discrepancies from information provided during the application process
Determine appropriate underwriting action based on inspection findings, including identifying when additional information, remediation, policy changes, cancellation, or non-renewal may be necessary in accordance with underwriting guidelines
Document inspection findings and underwriting decisions clearly and consistently within applicable systems
Monitor relevant KPIs and book performance within your assigned territory, react to emerging indicators, and recommend solutions when needed
Apply underwriting guidelines and use sound judgment when evaluating property risks, escalating risks or exceptions outside of established authority when appropriate
Use your underwriting knowledge to identify procedural efficiencies and continually evolve underwriting best practices
Collaborate cross-functionally to identify trends or recurring issues found through inspections and other underwriting activity that may impact risk selection, guidelines, or portfolio performance
Collaborate with TPAs to help manage and monitor post-loss activity
Contribute to a culture of ownership, collaboration, positive reinforcement, and accountability to yourself, the team, and the company