Commercial Underwriter Resume Samples

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Commercial Underwriters write insurance policies for non-residential real estate properties. They also analyze insurance documents to determine the level of risk, to decide whether the property should be insured, and to write insurance policies that would cover potential losses. Commercial Underwriters' example resumes consist of skills like evaluating potential risks, negotiating pricing with agents, and analyzing loss control. A bachelor's degree in the fields of either risk management or insurance is the minimum educational requirement that employers look for on candidates' resumes, though no specific field of study is necessarily required.

For more information on what it takes to be a Commercial Underwriter, check out our complete Commercial Underwriter Job Description.

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1

Commercial Underwriter

Analyze, evaluate and present findings in the review of credit facilities via financial statements,
operational performance and proformas. Prepare appropriate credit presentation outlining the relevant details of proposed transactions and recommendations. Work closely with all levels of
ownership, management, CPAs and attorneys to review, restructure and ensure collateral is
properly secured to maximize asset growth and minimize risk exposure. Decision loans within my $2MM authority.

  • Managed portfolio of 150 accounts totaling $200MM in outstandings to maintain zero past due annual reviews, conditions, and financial statements.
  • Trained and educated 2 new credit employees in all aspects of our credit review process.
  • Developed a review process checklist, resulting in reduced review cycle time of 45 hours
  • Exceeded standard requirements for evaluation of overline requests and competitor
  • Achieved 100% monthly SOX compliance testing of credit line verifications.
Candidate Info
10
years in
workforce
4
years
at this job
BA
Business Management
2

Small Commercial Underwriter

Built and leveraged personal relationships with key agents that allowed The Hartford to obtain new business accounts.

  • Critically analyzed insurance policy submissions to make clear documented decisions to approve or decline based on internal reference material and 200 years of historical data.
  • Managed policy submissions in worker's compensation, property & casualty and automobile lines of business in the New York City territory to reach quarterly goals of ~ $1.5 million.
  • Reviewed accounts up to a maximum of $50,000 in total annual premium and payroll capped at $9 million across all small commercial industries.
  • Identified customer's needs and demonstrated how The Hartford's products and services can meet those needs.
  • Created presentations in the form of 15 minute burst sessions to spark discussion on grey area topics within the insurance industry.
Candidate Info
7
years in
workforce
5
months
at this job
AA
Business Management
BA
Sociology
3

Commercial Underwriter

Commercial Underwriter for a niche program insuring emergency service organizations. Responsible for maintaining the profitability of a $15 million book of business covering a 10 state territory and supervising a staff of three underwriting assistants.

  • Analyzed new business submissions, including verifying eligibility, assigning classifications, rating, pricing, loss history analysis as well as proposal preparation and provided detailed policy issuance instructions to underwriting assistants
  • Reviewed renewal loss runs annually, addressing any frequency and/or severity concerns and improving profitability
  • Reviewed renewals to be sure company pricing and retention goals were met or exceeded
  • Provided excellent customer service by building and maintaining strong professional relationships with all internal and external customers including brokers and sales executives
  • Maintained new business and renewal logs, compiled reports weekly
  • Trained incoming underwriting and sales associates in coverage forms and systems
Candidate Info
14
years in
workforce
9
years
at this job
HS
High School Diploma
Underwriting)
Insurance Services)
4

Commercial Underwriter

Developed, underwrote and managed standard commercial products for states of Arizona, Nevada and Colorado.

  • Trained and supervised underwriting management trainees, two of whom were promoted to management positions in the home office.
  • Completed special assignment with Underwriting Vice-President to create and develop a special Commercial Construction team.
  • With assistance of the Company President, Underwriting Vice-President, Claims Department, Legal Department, and Construction team members, developed Commercial Construction underwriting coverage forms and procedures for underwriting a Construction book of business.
  • As a team member, project managed a $25 million Construction book of business.
  • Increased individual underwriting territory to $8 million in the states of Colorado, Kansas, Missouri, Arkansas and Nebraska.
Candidate Info
30
years in
workforce
16
years
at this job
BS
Business
5

Commercial Underwriter

Successfully completed an intensive six month training and mentoring program designed to educate participants of the wide ranging roles within the insurance industry

  • Combined theoretical insurance knowledge, self study, classroom training, presentation skills, and on-the-job mentoring to develop underwriting analytical skills
  • Managed a $4.2 million book of business and consistently met policy renewal deadlines for multi-line Property/Casualty accounts with annual policy premiums of $5,000-$300,000
  • Developed and maintained strong business relationships with assigned insurance agents in Arizona and Colorado
Candidate Info
2
years in
workforce
2
years
at this job
BBA
Risk Management And Insurance
6

Senior Commercial Underwriter

Managed $4-5M new and renewal book of primarily package business within the Northeast region consisting of over 600 small to mid-size accounts from $500 - 300K. Planned and conducted agency visits.

  • Recognized for exceeding team service standards while underwriting to less than 54% loss ratio for first 5 months of 1998.
  • Increased new business writings by over $750K for 1997 year with 29% hit ratio.
  • Developed profitable relationships with several under-performing agencies, through successful execution of a proactive departmental risk improvement re-underwriting initiative.
Candidate Info
9
years in
workforce
4
years
at this job
BS
Business Administration / Finance, Cum Laude
7

Senior Commercial Underwriter

Analyzed and evaluated annual renewal terms for over 200 credit insurance policies representing over $7,000,000 in premium.

  • Examined and assessed applications, financial reports, claims history and all other pertinent information to determine the degree of risk and pricing on a policy.
  • Demonstrated detailed underwriting knowledge by structuring and negotiating policy terms, pricing, and credit limit decisions for over 75 new business applicants a month.
  • Showed a track record of success in underwriting from a premium and loss ratio standpoint.
  • Developed productive relationships with insurance agents, brokers, credit analysts, and management in order to issue new premium.
  • Conducted bi-weekly key account meetings with regional vice presidents, commercial and risk executives to help secure and issue new business applications with potential premium over $100,000.
Candidate Info
20
years in
workforce
3
years
at this job
BS
Business Administration
8

Senior Commercial Underwriter

Managed Commercial Territory of $4M new business, renewals and endorsements for small to mid-sized business.

  • Selected to manage the commercial booth at annual sales conferences. Familiarized agents with company products and generated new business opportunities.
  • Participated in team problem solving relative to the Kaizen concept which resulted in improved work flow.
  • Requested by manager to lead daily team meetings in his absence. Coached and mentored team members with service results, production results and voice of the customer.
  • Initiated agency visits which resulted in generating new business, promoting products, and relationships.
  • Participated in mid-year/year end agency reviews. Implemented action plans such as re-underwriting, education of agency personnel, review of products, increased agency visits, and enhancement of relationships.
  • Reviewed claims and determined appropriate action to maintain profitability.
  • Reviewed loss prevention reports which involved verification of favorable risks, pricing and underwriting changes, cancellation within the 1st 60 days, non-renewal or no action.
Candidate Info
17
years in
workforce
2
years
at this job
BS
Business Administration, Management / Marketing
9

Commercial Underwriter

Compared commercial inspection reports with internal underwriting guidelines regarding commercial coverage. Endorsed or non-renewed policies upon findings.

  • Ensured timely communication amongst applicants, field inspectors, and underwriters by providing scheduled and as needed reports.
  • Provided information and completed reports to supervisor, field inspectors, and underwriters for renewal and new policy quotes.
  • Prepare sectional documentation for usage in divisional reports. Provide commentary to supervisors regarding trends and observations.
  • Made necessary updates in AS400 upon findings of inspection report.
  • Consistently maintained exceeds status on all quality and agent surveys during my time in commercial underwriting.
Candidate Info
9
years in
workforce
1
year
at this job
HS
High School Diploma
BA
Bachelor of Arts
10

Commercial Underwriter, AVP

A Commercial Underwriter reviews and decisions business loan applications, in a centralized
environment, for commercial exposure up to $2.5M.

  • Analyzed industry trends and emerging issues to assess their impact on the prospective clients'
  • Assessed a prospective clients' debt servicing capabilities through cash flow and sensitivity
  • Provided informed credit recommendations based on a review of all underwriting criteria,
  • Effectively communicated loan decision to loan originator, which may include the negotiation of terms and conditions, the identification of cross-sell opportunities, and the preparation of all loan
  • Participated in extensive and ongoing credit training as it relates to regulatory changes and credit
Candidate Info
6
years in
workforce
2
years
at this job
BS
Accounting

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