Underwriter I

This position performs standard duties in reviewing, analyzing, and evaluating insurance risks on new and enforce policies. In addition, this position renders subjective decisions regarding acceptability of risks in accordance with underwriting policies, practices, and Exchange guidelines. The position accepts, modifies, or rejects the risk/coverages as appropriate, with concurrence of the Manager or Manager's designee.

Job Duties

• Analyze applications or documentation and develop supplemental information, which may be obtained from previous insurance carriers, direct contact with insureds and/or from photographs; Determine acceptability and rate level adequacy by enforcing rating plan. Determine modifications or rejection of risk with concurrence of Management.

• Modify risk as to deem it acceptable or determine restrictive action on enforce and renewal policies.

• Review files when errors are detected and coordinate correction through appropriate levels

• Inform insureds of rejections, modifications or restrictive actions on policies after Management has reviewed. Respond to inquiries from insureds regarding those restrictions

• Communicate underwriting philosophy and decisions to Sales Agents while continuing to build a good rapport and relationship between Sales and Underwriting

• Determine acceptability of continued coverage when amendments or endorsements substantially change initial risk exposure

• Recommend restrictive action or termination of policies with Management approval, prior to expiration

• Position is designed as an entry level that requires decisions regarding cancellation of policy to be reviewed with Underwriting Management. This position requires decision making capabilities by weighing all pertinent facts associated with an insurance risk. The decisions are not routine and often require subjective review, however decision to cancel or non-renew must be reviewed with Management for this Underwriter level.

Qualifications

• Bachelors Equivalent combination of education and experience

• Insurance, Risk Management, Business, Public Administration, or related discipline. Preferred

• Problem solving, decision making and analytical skills. (Medium proficiency)

• MS Office applications (Medium proficiency)

• Communication skills both written and verbal (Medium proficiency)

• Organizational and time management skills required. (Medium proficiency)

• Interpersonal skills in working in a group environment (Medium proficiency)

• Chartered Property Casualty Underwriter - Insurance Institute of America

Remarkable benefits:
•    Health coverage for medical, dental, vision
•    401(K) saving plan with company match AND Pension
•    Tuition assistance
•    PTO for community volunteer programs
•    Wellness program
•    Employee discounts (membership, insurance, travel, entertainment, services and more!)

Auto Club Enterprises is the largest federation of AAA clubs in the nation. We have 14,000 employees in 21 states helping 17 million members. The strength of our organization is our employees. Bringing together and supporting different cultures, backgrounds, personalities, and strengths creates a team capable of delivering legendary, lifetime service to our members. When we embrace our diversity – we win. All of Us! With our national brand recognition, long-standing reputation since 1902, and constantly growing membership, we are seeking career-minded, service-driven professionals to join our team.

"Through dedicated employees we proudly deliver legendary service and beneficial products that provide members peace of mind and value.”

AAA is an Equal Opportunity Employer