Job title: Insurance Underwriter

Location: [Company location]

Reports to: [Underwriting Manager]

Employment type: [Full-time]

Job summary:

We're looking for an Insurance Underwriter to review applications and decide coverage terms for [line of business] at [company name]. The right person analyzes risk carefully, follows underwriting guidelines, and works well with brokers and agents.

Underwriters decide which risks the company takes on and at what price. Sound decisions keep loss ratios healthy and the business profitable.

Key responsibilities:

• Review applications, loss runs, inspections, and financial data [for property and casualty], or medical records and mortality data [for life and health], to assess risk.
• Decide whether to accept, decline, or modify coverage within authority limits.
• Set premiums, deductibles, limits, and policy conditions.
• Use rating tools and underwriting systems such as [Guidewire or Duck Creek].
• Work with brokers and agents to gather information and explain decisions.
• Renew existing policies and adjust terms based on loss history.
• Refer risks above authority to senior underwriters.
• Follow company guidelines and state insurance regulations.
• Track portfolio results such as loss ratio and premium growth.
• Document underwriting decisions clearly in policy files.

• Bachelor's degree in Finance, Business, Risk Management, or a related field.
• [X]+ years of underwriting experience in [line of business].
• Knowledge of insurance products and underwriting principles.
• Strong analytical and math skills.
• Experience with underwriting or policy systems.
• Proficiency in Excel.

• Risk analysis.
• Pricing judgment.
• Attention to detail.
• Negotiation with brokers.
• Decision-making.
• Clear documentation.

• CPCU, Associate in Commercial Underwriting (AU), or similar designation [such as CII (UK), ANZIIF (Australia), or Insurance Institute of India qualifications].
• Experience with data or predictive models in underwriting.
• Experience in [specialty line].

• [Health, dental, and vision insurance, or private medical cover]
• [Retirement plan, such as a 401(k), pension, or superannuation]
• [Paid time off and holidays]
• [Professional designation support]
• [Salary range]