**This is a hybrid work opportunity**

Position Overview

The core responsibilities of the Intermediate C/L Underwriter are to evaluate commercial business, determine acceptability impose conditions, warranties and deductibles and provide quotes and calculations for new and existing business. Training and mentorship of less-experienced underwriters of the Commercial line of business would be expected from this underwriter. Ensure all work completed complies with HTM underwriting policies and procedures based on a Level II authority level.

Position Responsibilities

Underwriting (75%)

• Multi-line underwriting in Property, Casualty and Commercial Auto and Fleet
• Provide quotes on new and existing files, complete prospect notes and binds coverage
• Complete a thorough quoting sheet and return to Broker within a 24-hour turnaround
• Complete manual ratings
• Verify information on applications, assess risk and communicate rates and conditions to Brokers
• Review Insured's history, gather information from previous carriers and identify previous rejections
• Review completed inspection documents, including examining photos, cost estimators and questionnaires to determine that the physical condition of the buildings qualify for the package requested
• Send a copy of the inspection report to the appropriate Broker with a memo outlining any areas of concern and recommendations; follow-up with Brokers regarding resolution of those issues
• For composite policies, conduct an initial site visit to determine risk and if HTM will move forward with coverage for that commercial property; collaborate with Brokers to determine values, coverage and rates if moving forward
• Complete all aspects of the paperless renewal process two months in advance; review each renewal in detail
• Review renewals and check claims records to identify information that may affect the renewal of policies to determine and take action (send memo to Insured, Broker, etc)
• Check coverage for current wordings, liaise with Broker to gather current information related to file renewals
• Send memos if insurance policy will be changed and/or discontinued
• Data enter new policy information and endorsements, determine riders, class codes and complete renewal process
• Complete endorsements within a five day period
  
• Determine need for physical risk inspections and order an inspection if required
• Conduct visits when necessary or applicable for high risk commercial properties to review site conditions and conduct a risk assessment
• Determine underwriting acceptability, coverage and rates, including calculation of premium and process changes for endorsements
• Liaise with reinsurers regarding special risk and special rates
• Work with FMRP regarding rate approvals, limits and coverage where required
• Participate in department meetings and make suggestions for improvements in policy wordings, rates and guidelines, as well as process improvements to quality of service provided
• Provide back up to Senior Commercial Underwriter when required

Administration and Relationship Building (25%)

• Liaise with Brokers to explain coverages, exclusions, procedures, rates and manuals; act as a resource and develop a strong working relationship with them
• Conduct Broker visits to maintain strong relationships
• Create and promote new packages to Brokers outlining revisions to rates and coverage
• Compose documents such as memos and letters to Brokers and Insureds
• Respond to telephone, fax, email and mail inquiries; provide information and resolve issues
• Contribute to reviews for Broker performance when requested
• Visit Brokers on a regular basis to build and maintain effective working relationships with periodic training and presentations to brokers/agents
• Put processes in place to enable an easy referral system from Brokers
• Identify and pursue new business opportunities with key Brokers
• Comply with HTM policies and procedures
• Monitor the marketplace and liaise with industry contacts to keep abreast of the changes to the insurance industry
• Participate and attend training and development initiatives, including industry related events

Education and Experience

Must Have:

• College diploma or University degree
• CIP completed or near completion

Assets:

• FCIP
• CRM

Experience Required:

• Commercial Lines Underwriting
• Commercial Automobile and Fleet Underwriting
• 5-7 years commercial underwriting experience
  

Knowledge, Skills & Attributes

• Positive “can-do” attitude
• Understanding of insurance industry for the Mutual system
• Knowledge of restrictions and provisions of reinsurance treaty and process for facultative cession
• Computer skills
• Financial acumen; understanding underwriting rating process
• Attention to detail and high level of accuracy
• Superior communication skills (written and verbal)
• Time management and organizational skills
• Customer service skills; people person
• Relationship building abilities
• Flexibility – adapt to new situations
• Positive “can-do” attitude
• Competent in reading and interpreting policy wordings
• Ability to prioritize and multi-task
• Work well in a deadline driven environment
• Access to a vehicle and valid driver's license