Underwriter (P/C) jobs in Monroe, LA

Underwriter (P/C) analyzes and reviews inspection reports, location, risk, credit reports, etc. to accept or reject renewal/new property and casualty policy applications. Decides on appropriate premium rates and issues coverage. Being an Underwriter (P/C) provides customer services regarding underwriting processes and decisions. May communicate with field agents to gather additional information or to explain underwriting decisions. Additionally, Underwriter (P/C) typically requires a bachelor's degree or equivalent. Typically reports to a supervisor or manager. The Underwriter (P/C) work is closely managed. Works on projects/matters of limited complexity in a support role. To be an Underwriter (P/C) typically requires 0-2 years of related experience. (Copyright 2024 Salary.com)

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Commercial Loan Underwriter (in-office)
  • Origin Bank
  • Ruston, LA FULL_TIME
  • Summary Performs underwriting duties for loan relationships of $2.5 million or less in compliance with organizational policies/procedures and state and federal lending laws/regulations by performing the following duties.

    Essential Duties and Responsibilities include the following.

    • Evaluates loan applications up to and including loan relationships of $2.5 million or less for business and/or consumer purposes.
    • Analyzes income and debt levels to determine Debt Service Coverage (DSC) and/or Debt to Income (DTI) ratios which are critical when determining repayment ability.
    • Spreads and analyzes financial statements and tax returns for potential and existing customers and guarantors.
    • Prepares company cash flows, global cash flows, financial analysis, and collateral valuations for loan requests.
    • Decisions loan applications for either approval as submitted, conditional approval or denial.
    • Evaluates an individual's credit score (or business credit score) and historical payment records.
    • Assesses the risks associated with the pricing of the credit (interest rate risk), the current economic climate (market risk) and the industry or the occupation (industry risk) of the applicant.
    • Provides written comments to support loan decisions with each loan application that will become a permanent part of the file.
    • Builds and maintains strong relationships with lenders, loan assistants, and loan support staff.
    • Provide guidance to lenders on loan policy requirements, structure, collateral, loan covenants, and monitoring requirements for new or existing business and consumer loan requests in order to maximize profitability and minimize risk and policy exceptions.

    Additional Duties may include the following.

    • Special Projects as needed.

    Supervisory Responsibilities

    This job has no supervisory responsibilities.

    Competencies - To perform the job successfully, an individual should demonstrate the following competencies:

    Analytical and Design - Synthesizes complex or diverse information; Collects and researches data; Demonstrates attention to detail.

    Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully.

    Project Management - Coordinates projects; Communicates changes and progress; Completes projects on time and budget.

    Interpersonal Skills/Customer Service - Focuses on solving conflict, not blaming; Maintains confidentiality; Remains open to others' ideas and tries new things; Manages difficult or emotional customer situations; Responds promptly to customer needs; Solicits customer feedback to improve service ; Responds to requests for service and assistance; Meets commitments.

    Oral and Written Communication - Listens and gets clarification; Responds well to questions; Writes clearly and informatively; Edits work for spelling and grammar; Varies writing style to meet needs; Presents numerical data effectively; Able to read and interpret written information.

    Teamwork - Balances team and individual responsibilities; Contributes to building a positive team spirit; Puts success of team above own interests; Supports everyone's efforts to succeed.

    Business Acumen - Understands business implications of decisions.

    Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; supports organization's goals and values.

    Judgment - Displays willingness to make decisions; Exhibits sound and accurate judgment; Includes appropriate people in decision-making process; Makes timely decisions.

    Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently.

    Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position.

    Quality and Quantity - Demonstrates accuracy and thoroughness; Completes work in timely manner.

    Adaptability - Adapts to changes in the work environment; Manages competing demands; Changes approach or method to best fit the situation; Able to deal with frequent change, delays, or unexpected events.

    Attendance/Punctuality and Dependability - Is consistently at work and on time; Ensures work responsibilities are covered when absent; Follows instructions, responds to management direction.

    Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

    Education and/or Experience

    Bachelor's degree (B. A.) from four-year college or university; minimum five years' experience as an underwriter or credit analystr in business/consumer lending; or equivalent combination of education and experience.

    Language Skills

    Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

    Mathematical Skills

    Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.

    Reasoning Ability

    Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

    Computer Skills

    To perform this job successfully, an individual should have knowledge of the Internet, Outlook, Microsoft Excel and Word.

    Customer Service Skills

    Ability and judgment to interact and communicate appropriately with other employees, customers and supervisor. Ability to serve customers, both internal and external, (community/public) in a manner that will reflect superior customer relations and enhance the overall marketing effort of Origin Bank.

    Other Skills

    Must have strong working knowledge of the Origin Bank Lending Policy in order to provide proper decisioning of loan applications.

    Physical Demands 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.

    While performing the duties of this job, the employee is regularly required to talk or hear. The employee is frequently required to stand; walk; sit and use hands to finger, handle, or feel. The employee is occasionally required to reach with hands and arms; climb or balance and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision and ability to adjust focus.

    Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

    The noise level in the work environment is usually moderate.

    This job description reflects management's assignment of essential functions. It does not prescribe or restrict the tasks that may be assigned. Origin Bank shall, in its discretion, modify or adjust the position to meet the Bank's changing needs. This job description is not a contract and may be adjusted as deemed appropriate in the Bank's sole discretion.

    Origin Bank is an equal opportunity employer and we do not discriminate in hiring or employment on the basis of race, color, sex, age, marital or veteran status, non-job related disability, religion, national origin, genetic information or any other basis protected by law.


    *Origin Bank is an Equal Opportunity Employer. We recognize and value diversity as it strengthens our ability to attract, retain, and engage team members. We support a diverse and inclusive work environment where all team members are given opportunities to perform to their fullest potential. We believe it is only with a diverse and inclusive workplace that Origin Bank can truly perform at its best, carry out its vision, and make a difference in the communities we serve.

     

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Personal Care Attendant PC
  • Gentiva
  • Junction, AR OTHER
  • Our Company Gentiva Personal Care is a member of the Gentiva family - an industry leader in hospice, palliative, home health, and personal home care. Our place is by the side of those who need us, off...
  • 14 Days Ago

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Personal Care Attendant PC
  • Gentiva
  • Hamburg, AR OTHER
  • Our Company Gentiva Personal Care is a member of the Gentiva family - an industry leader in hospice, palliative, home health, and personal home care. Our place is by the side of those who need us, off...
  • 14 Days Ago

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Personal Care Attendant PC
  • Gentiva
  • Crossett, AR OTHER
  • Our Company Gentiva Personal Care is a member of the Gentiva family - an industry leader in hospice, palliative, home health, and personal home care. Our place is by the side of those who need us, off...
  • 14 Days Ago

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Personal Care Attendant PC
  • Gentiva
  • Huttig, AR OTHER
  • Our Company Gentiva Personal Care is a member of the Gentiva family - an industry leader in hospice, palliative, home health, and personal home care. Our place is by the side of those who need us, off...
  • 14 Days Ago

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Personal Care Attendant PC
  • Gentiva
  • Fountain, AR OTHER
  • Our Company Gentiva Personal Care is a member of the Gentiva family - an industry leader in hospice, palliative, home health, and personal home care. Our place is by the side of those who need us, off...
  • 14 Days Ago

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0 Underwriter (P/C) jobs found in Monroe, LA area

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Loan Review Specialist
  • BAFS
  • Monroe, LA
  • Job purpose To provide an objective appraisal to credit union management of Member Business Loans and applications for c...
  • 3/28/2024 12:00:00 AM

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Loss control/Insurance Field Inspector - Ruston
  • InsurSolv,LLC
  • Ruston, LA
  • About the job Loss control/Insurance Field Inspector - Ruston Commercial and Residential Independent Contractor for Insu...
  • 3/28/2024 12:00:00 AM

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PT/FT Sales Rep
  • Spieldenner Financial Group
  • Bastrop, LA
  • Spieldenner Financial Group is a part of the fastest-growing insurance organization in the country. Our most important f...
  • 3/28/2024 12:00:00 AM

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Loan Review Specialist
  • BAFS
  • Monroe, LA
  • Job purpose To provide an objective appraisal to credit union management of Member Business Loans and applications for c...
  • 3/28/2024 12:00:00 AM

I
Loss control/Insurance Field Inspector - Ruston
  • InsurSolv,LLC
  • Ruston, LA
  • About the job Loss control/Insurance Field Inspector - Ruston Commercial and Residential Independent Contractor for Insu...
  • 3/28/2024 12:00:00 AM

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PT/FT Sales Rep
  • Spieldenner Financial Group
  • Bastrop, LA
  • Spieldenner Financial Group is a part of the fastest-growing insurance organization in the country. Our most important f...
  • 3/28/2024 12:00:00 AM

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Insurance Customer Service Representative
  • Advantage Resourcing
  • West Monroe, LA
  • Join the growing team at Advantage Resourcing and our partner company as an Insurance Customer Service Representative in...
  • 3/27/2024 12:00:00 AM

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Insurance Customer Service Representative
  • Advantage Resourcing
  • West Monroe, LA
  • Join the growing team at Advantage Resourcing and our partner company as an Insurance Customer Service Representative in...
  • 3/27/2024 12:00:00 AM

Monroe (historically French: Poste-du-Ouachita) is the eighth-largest city in the U.S. state of Louisiana. It is the parish seat of Ouachita Parish. In the official 2010 census, Monroe had a population of 48,815. The municipal population declined by 8.1 percent over the past decade; it was 53,107 in the 2000 census. After a recheck in 2012, the Census Bureau changed the 2010 population from 48,815 to 49,147. Mayor Jamie Mayo, however, maintains that the Monroe population is more than 50,000 and indicated that he will pursue a continued challenge to the count. Monroe is the principal city of t...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Underwriter (P/C) jobs
$51,967 to $66,100
Monroe, Louisiana area prices
were up 1.2% from a year ago

Underwriter (P/C) in Canton, OH
Across the portfolio—and within subsegments and industries—great underwriters have a clear view of the sweet spot from which they can profitably underwrite risk.
February 29, 2020
Underwriter (P/C) in Longview, TX
The next step for a commercial mortgage underwriter is the calculation of the debt service coverage ratio or DSCR.  This is the ratio of a property’s net operating income to annual mortgage payments (also called debt service).  Notice that in our example above, we did not list mortgage payments as expenses.
February 14, 2020
Underwriter (P/C) in Vallejo, CA
During this open enrollment, insurers cannot reject you or charge a higher premium based on a pre-existing health condition or disability.
February 01, 2020