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.
एक Underwriter को विभिन्न कर्तव्यों और जिम्मेदारियों को पूरा करने में सक्षम होना चाहिए। निम्नलिखित कुछ कर्तव्य और जिम्मेदारियाँ हैं जिन्हें एक Underwriter को निष्पादित करने में सक्षम होना चाहिए:
- 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
प्रतिस्पर्धी Underwriter के पास कुछ कौशल और योग्यताएँ होंगी, जिनमें शामिल हैं:
- 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
