Underwriter

Posting Description

Who We Are:

NFP, an Aon company, is a multiple Best Places to Work award winner in Business Insurance who has also earned the WORK180 employer endorsement. We are an organization of consultative advisors and problem solvers. We help companies and individuals around the globe address their most significant risk, workforce, wealth management and retirement challenges through custom solutions and a people-first approach. To learn more, please visit: https://www.NFP.com.

Pro Financial Services is seeking an experienced insurance professional to manage underwriting activities across a specialized and varied book of business. In this role, you will review submissions, communicate directly with brokers, develop quotes, bind coverage, and partner with Account Managers to ensure policy documentation accurately reflects the agreed risk. You will help evaluate coverage involving individuals and organizations whose financial results may depend on the availability or performance of key people, applying careful analysis to exposures, benefit amounts, pricing inputs, and underwriting requirements. PFS provides specialized coverage designed to protect individuals’ income and help organizations manage financial loss when a key person cannot perform.

You will succeed in this role by combining sound insurance judgment with strong communication, mathematical reasoning, and close attention to detail. The position calls for someone who can move confidently between the larger business context and the details of an individual file, work directly with brokers, and take increasing ownership as they learn PFS’s products and underwriting approach. Accident & Health experience is preferred but not required; professionals with transferable Property & Casualty, specialty insurance, program underwriting, or advanced underwriting-support experience are encouraged to apply!

Essential Duties and Responsibilities:

To perform this job successfully, this individual must be able to perform each essential duty satisfactorily:

• Conduct preliminary underwriting reviews by obtaining, organizing, and evaluating submission information; identifying missing, incomplete, or inconsistent documentation; and preparing complete files for final underwriting or carrier review.
• Complete preliminary rating and premium calculations using approved rating tools, schedules, guidelines, and applicable delegated authority requirements.
• Verify ratings, quotations, proposals, binders, policies, endorsements, invoices, and supporting documentation for accuracy, completeness, consistency, and appropriate authorization.
• Review and approve documentation within assigned authority and escalate exceptions, discrepancies, and matters requiring additional underwriting review in a timely manner.
• Collaborate with PFS functions, including account management, underwriting, claims, accounting, administrative support, analytics, and senior leadership.
• Provide professional and responsive service consistent with organizational standards and support the effectiveness of PFS underwriting operations.
• Participate in departmental projects and assignments and perform other duties as assigned.

Knowledge, Skills, and/or Abilities:

A successful candidate in this role will have:

• Strong attention to detail and demonstrated commitment to accuracy, completeness, and documentation quality.
• Effective planning, organizational, and time-management skills, including the ability to prioritize multiple assignments and meet established deadlines.
• Sound analytical, critical-thinking, and problem-solving skills, including the ability to identify documentation deficiencies and escalate matters appropriately.
• Working knowledge of Microsoft Office software
• Ability to manage multiple responsibilities and adapt to changing priorities in a deadline-driven environment.
• Demonstrated initiative, accountability, and a collaborative, results-oriented approach.
• Ability to establish effective working relationships and collaborate with internal colleagues and external business partners.
• Commitment to professional, accurate, and responsive customer service.

Education and/or Experience:

• Bachelor’s degree preferred.
• 4+ years of experience in accident and health insurance or property and casualty
• Surplus Lines Experience preferred

Certificates, Licenses, Registration:

• Life, Accident & Health license - The hired candidate will be required to obtain an Accident & Health insurance license within first year of employment (if not already completed).

PHYSICAL DEMAND: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Ability to sit at a computer for long periods of time

What We Offer:

We're proud to offer a competitive salary, PTO & paid holidays, 401(k) with match, exclusive discount programs, health & wellness programs, and more. Our PeopleFirst culture focuses on building and nurturing lifelong relationships with our employees because, at the end of the day, we exist to be there for others. The base salary range for this position is $120,000 – $140,000. The base salary offered will be determined by factors including, but not limited to, experience, credentials, education, certifications, skill level required for the position, the scope of the position, and geographic location. Actual base salary offered will be determined on a case-by-case basis. In addition to the base salary, this position may be eligible for performance-based incentives.

NFP and You... Better Together!

NFP is an inclusive Equal Employment Opportunity employer.

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