Underwriter

Dálkový

💰 Finance

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.

Co dělá Underwriter?

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.

Odpovědnosti

Underwriter by mělo být schopné plnit různé povinnosti a odpovědnosti. Níže jsou uvedeny některé povinnosti a odpovědnosti, které by měl Underwriter být schopen vykonávat:

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

Požadované dovednosti

Konkurenční Underwriter bude mít určité dovednosti a kvalifikaci, včetně:

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

Podobné nabídky

Pokud přijímáte nábor na pozice související s Underwriter, podívejte se na naše popisy práce pro podobné role:

Tax Accountant