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.
Underwriter은 다양한 업무 및 책임을 이행할 수 있어야 합니다. 다음은 Underwriter이 실행할 수 있어야 하는 몇 가지 업무 및 책임입니다.
- 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
경쟁력 있는 Underwriter은 다음을 포함한 특정 기술과 자격을 갖추고 있습니다.
- 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
