Underwriters typically work at insurance agencies, banks and other financial institutions to approve insurance plans and loans for clients. They read each application to determine if an applicant qualifies for a loan or an insurance policy, confirming that all of the information on the applicant accurately reflects their risk level. They review an applicant’s personal documents such as their driving record, medical history, criminal record, credit report and income statements. Underwriters look for patterns in financial data to determine which applications could have a high risk of financial losses. They assess a company’s losses and try to identify the main sources of loss to better inform the way they vet clients. After performing a risk assessment, the Underwriter decides who to approve and submits a statement explaining their decision.
একজন Underwriter কী করে?
An Underwriter, or Loan Underwriter, is a financial professional responsible for assisting in the loan application process by determining the risk-level of working with an applicant. Their duties include researching a client’s credit, income and assets, reviewing applications based on policy guidelines and performing risk assessment reports.
দায়িত্ব
A Underwriter বিভিন্ন দায়িত্ব ও দায়িত্ব পালন করতে সক্ষম হওয়া উচিত। নিম্নলিখিত কিছু কর্তব্য এবং দায়িত্বগুলি একজন Underwriterকে সম্পাদন করতে সক্ষম হওয়া উচিত:
Collect, review and analyze an applicant’s relevant history and records
Obtain additional information about an applicant to determine coverage needs
Determine the level of risk for insuring or lending
Offer recommendations on whether or not to approve an application
Help agents determine premium costs
Evaluate insurance claims for accuracy and the coverage amount
প্রয়োজনীয় দক্ষতা
একজন প্রতিযোগিতামূলক Underwriter এর কিছু দক্ষতা এবং যোগ্যতা থাকবে, যার মধ্যে রয়েছে:
Qualitative and quantitative analysis skills
Communication skills, including speaking and writing
In-depth understanding of insurance coverage or loan products
Advanced knowledge of federal regulations and best practices of insurance or lending institutions
Project management and organization skills
Decision-making and critical thinking skills
অনুরূপ অফার
আপনি যদি একটি Underwriter-এর সাথে সম্পর্কিত পদের জন্য নিয়োগ করেন, অনুরূপ ভূমিকার জন্য আমাদের কাজের বিবরণ দেখুন:
