Underwriter II reviews and analyzes risk characteristics on insurance applications, renewals, and change requests. Utilizes underwriting guidelines, rules, standards, and levels of authority to accept, reject, or mitigate risk for applications and determine appropriate premiums, limits, and coverages. Being an Underwriter II calculates renewal rates. Ensures that underwriting activities comply with all industry and governmental regulations. Additionally, Underwriter II may coordinate with field agents to collect or clarify information or decisions. Typically requires a bachelor's degree or equivalent. Typically reports to a supervisor or manager. The Underwriter II occasionally directed in several aspects of the work. Gaining exposure to some of the complex tasks within the job function. To be an Underwriter II typically requires 2-4 years of related experience.