Personal Lines Underwriter

Job Description:

As Hallmark continues to grow, we strive to find talented, innovative and creative professionals to join our team. We offer very competitive compensation and benefit packages combined with a team atmosphere that encourages independent initiative and professional growth.

Position Summary:

Reviews all policy information and applies critical thinking skills to determine if risk meets the Company's underwriting guidelines and to ensure the policy is rated correctly.

Job Duties

• Reviews new business policies, endorsements, and renewal policies for accuracy, correct rating, and compliance with program underwriting guidelines.
• Processes cancellations and non-renewals of unacceptable risks within state statutory requirements and program underwriting guidelines.
• Reviews discount proofs to validate discount qualification.
• Processes correspondence from agents, policy holders, and loss payees/additional interests.
• Reviews, investigates and processes claim alerts.
• Processes policy reinstatements.
• Reviews underwriting reports including but not limited to MVR, Loss History, and TransUnion insurance score reports ordered at point-of-sale.
• May order and process underwriting reports such as MVR, Loss History, TransUnion Insurance score and Vehicle History reports.
• Identifies and investigates red flags encountered during processing work or phone calls.
• Documents policy files in a factual and professional manner that reflects solid thought process, decision making, and application of underwriting guidelines.
• Provides feedback to Personal Lines Underwriting Manager on agency issues.
• Handles inbound calls assisting agents and policy holders with policy questions or concerns as assigned.
• Performs duties and responsibilities within the department quality and productivity standards, state regulatory requirements, and product underwriting guidelines.

Independence

• Decisions of low complexity should be made within company guidelines.

Supervision

• No direct reports

Education, Experience, Knowledge and Skills:

• High school diploma or equivalent with some college, or 1-3 years of related experience; insurance experience is preferred but not required.
• Knowledge of personal lines insurance underwriting principles preferred.
• Must be customer service oriented.
• Excellent written and verbal communication skills.
• Detail oriented, highly organized, efficient, and able to multi-task.
• Strong analytical and critical thinking skills.
• Must be able to type at least 25 wpm.
• Ability to sit for prolonged periods of time.
• Basic Microsoft Office skills.

Hallmark Financial Services is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.