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Field Underwriter
Job Code:2020-UNDCOM-001
Company:Texas Farm Bureau Casualty Insurance Company
Location:San Antonio/Surrounding Areas, TX
Status:Full-time
  
Job Responsibilities:

This position is responsible for conducting field-underwriting services in accordance with company and departmental goals, objectives, and guidelines, which will enhance profitable Underwriting results. 

 

MAJOR RESPONSIBILITIES AND AUTHORITY

         

Examine documents to determine degree of risk from such factors as applicant financial standing, and value and condition of property.

 

Make underwriting decisions in compliance with departmental procedures, TFB guidelines, binding limitations, reinsurance restrictions, and Texas Department of Insurance regulations.

 

Make decisions regarding risk selection and rate promulgation to place the company in the best position for profitability.

 

Operate under, and abide by, the “Safety Services Procedures” and the Texas Department of Insurance, division of Loss Control regulations.

 

Evaluate safety activities and Safety/Loss Control programs for effectiveness and completeness.

 

Conduct on-site surveys, safety consultations, and/or safety counseling as requested by Home Office Underwriting and complete all necessary forms according to established procedures.

 

Maintain a file to document safety services and loss control information provided to policyholders, including a chronological log of activities.

 

Communicate Underwriting decisions to agents, applicants, and insureds.

 

Evaluate the possibility of losses due to catastrophe or excessive insurance.

 

Decrease the value of a policy when risk is substandard and specify applicable endorsements or apply rating to ensure safe profitable distribution of risks, using reference materials.

 

Review company records to determine amount of insurance in force on single risk or group of closely related risks.

 

Authorize reinsurance of policy when risk is high.

 

Assist in training the Underwriter Trainee.

 

Participate in company administered self-improvement courses.

 

Report any special problem(s) involving agency force, workflow delay of two or more days, and correspondence from the Texas Department of Insurance and other regulatory agencies to the assigned Field Underwriter Supervisor.

 

Report, in writing, to the assigned Field Underwriter Supervisor any recommended changes in company guidelines and procedures.

 

Participate in any special projects or research activities as assigned.

 

Communicate with employees of other departments regarding transactions related to Underwriting.

 

Comply with the Certified Fleet Operator requirements of the Company Driving and Safety Policy.

 

Other duties as assigned.

 

Job Qualifications:

Four-year degree from an accredited college or university.

 

Experience as an Underwriter preferred.

 

Knowledge of basic computer applications, especially Microsoft Office Suite.

 

Ability to plan, organize, and complete detailed work independently or in a team environment.

 

Strong interpersonal verbal skills, both face-to-face and over the phone.

 

Valid Texas driver’s license and driving record at the time of hire which would not place the employee on probation, or disqualify the employee from Certified Fleet Operator Status, under the company Driving and Safety Policy.

 

Other Job Information (if applicable):
PHYSICAL REQUIREMENTS

         

Significant amounts of driving.

 

Repeated use of PC, telephone, and office machines.

 

Extended periods of sitting and concentrating.

 

Occasional bending, twisting, crouching, pulling, pushing and reaching in an office or field environment.

 

Occasional lifting and moving items weighing up to 30 lbs.

 

WORKING CONDITIONS

 

Occasional long, irregular work hours.

 

Travel, as required.

 

Work to be conducted in office environment owned or leased by company.

 

REVISED June 2020